WO2017049478A1 - 一种支付方法及智能手环 - Google Patents

一种支付方法及智能手环 Download PDF

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Publication number
WO2017049478A1
WO2017049478A1 PCT/CN2015/090406 CN2015090406W WO2017049478A1 WO 2017049478 A1 WO2017049478 A1 WO 2017049478A1 CN 2015090406 W CN2015090406 W CN 2015090406W WO 2017049478 A1 WO2017049478 A1 WO 2017049478A1
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WO
WIPO (PCT)
Prior art keywords
payment
mobile terminal
smart
card
identifier
Prior art date
Application number
PCT/CN2015/090406
Other languages
English (en)
French (fr)
Inventor
刘均
陈松林
徐为
欧阳张鹏
Original Assignee
深圳还是威健康科技有限公司
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Filing date
Publication date
Application filed by 深圳还是威健康科技有限公司 filed Critical 深圳还是威健康科技有限公司
Priority to PCT/CN2015/090406 priority Critical patent/WO2017049478A1/zh
Priority to CN201580002078.XA priority patent/CN105765614A/zh
Publication of WO2017049478A1 publication Critical patent/WO2017049478A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a payment method and a smart bracelet.
  • Embodiments of the present invention provide a payment method and a smart bracelet to facilitate user security of mobile payment and secure payment.
  • a payment method which is applied to a smart wristband, and the method includes:
  • the mobile terminal sends a payment request to the payment center, and receives a payment identifier sent by the payment center, where the mobile terminal is bound to the smart bracelet;
  • the method further includes:
  • the smart wristband includes a smart card integrated circuit chip module, and the smart card integrated circuit chip module Including payment card amount information;
  • the method further includes:
  • the smart card integrated circuit chip module further includes a payment card user name and a password
  • the method further includes:
  • the method further includes:
  • Receiving a payment request of a near field card reading device the payment request including a payment amount and a payee identification; [0022] transmitting a payment request to a banking system associated with the payment card, the payment request including a payment amount , payee identification, payment card user, password;
  • a smart wristband is provided, where the smart wristband includes:
  • a receiving unit configured to: when the mobile terminal sends a payment request to the payment center, receive a payment identifier sent by the payment center, where the mobile terminal is bound to the smart bracelet;
  • an output unit configured to output the payment identifier, so that the mobile terminal scans the payment identifier to complete payment.
  • the smart bracelet further includes:
  • a binding unit configured to establish a binding relationship between the mobile terminal and the smart bracelet according to the identifier of the smart bracelet and the user identity module that is set in the mobile terminal;
  • a sending unit configured to send the binding relationship to the payment center.
  • the smart wristband includes a smart card integrated circuit chip module, where the smart card integrated circuit chip module is Including payment card amount information;
  • the output unit is further configured to:
  • the receiving unit is further configured to receive a payment request of the near field card reading device, where the payment request includes a payment amount And the payee identification;
  • the sending unit is further configured to send a payment request to a banking system associated with the payment card, where the payment request includes a payment amount, a recipient identification, a payment card user, and a password;
  • the output unit is further configured to display a current payment amount and a balance in the payment card after completing the payment.
  • the smart bracelet in combination with the second possible implementation of the second aspect or the third possible implementation of the second aspect, in a fourth possible implementation, the smart bracelet includes a ring body, and the receiving The unit, the transmitting unit and the output unit are embedded in the ring body, and the smart card integrated circuit chip module is integrated or adhered to the ring body.
  • a smart wristband includes an input device, an output device, a memory, and a processor, and the processor performs the following steps:
  • the processor further performs the following steps:
  • the smart wristband includes a smart card integrated circuit chip module, where the smart card integrated circuit chip module is Including payment card amount information;
  • the processor further performs the following steps:
  • the smart card integrated circuit chip module further includes a payment card user name and a password
  • the processor further performs the following steps:
  • the processor further performs the following steps: Receiving a payment request of the near field card reading device, the payment request including a payment amount and a payee identification; [0052] transmitting a payment request to a banking system associated with the payment card, the payment request including a payment amount , payee identification, payment card user, password;
  • the payment method and the smart bracelet provided by the embodiment of the present invention have the following beneficial effects: [0056]
  • the payment center binds to the smart bracelet bound to the mobile terminal. Sending a payment identifier, the smart bracelet receives the payment identifier and outputs, and the mobile terminal can scan the payment identifier to complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, so that the user can conveniently perform mobile payment, and The security of the payment is guaranteed.
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIG. 3 is a schematic flowchart of another payment method according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a smart wristband according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of another smart wristband according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of a payment method according to an embodiment of the present invention, where the method includes the following steps.
  • S101 When the mobile terminal sends a payment request to the payment center, receiving the payment identifier sent by the payment center.
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention, where a mobile terminal, a smart bracelet, a payment center, or a payment server establish a communication connection, and the mobile terminal and the mobile terminal Smart bracelet binding.
  • Mobile terminals and smart bracelets are usually connected via Bluetooth or Wi-Fi.
  • the mobile terminal After the mobile payment is performed on the mobile terminal, the mobile terminal sends a payment request to the payment center, and the payment center sends a payment identifier to the smart wristband bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the payment identifier can be a barcode, a two-dimensional code, etc., for verifying the current transaction.
  • S102 Output the payment identifier, so that the mobile terminal scans the payment identifier to complete payment.
  • the smart bracelet outputs the payment identifier, and the mobile terminal can directly scan the payment identifier on the smart bracelet to complete the payment.
  • the scan button can be set in the payment interface of the mobile terminal, and the button can be pressed without exiting the current payment interface, and the payment identifier can be scanned, and the user does not need to remember the payment identifier in the short message interface, and enters the current payment interface.
  • the mobile terminal has a larger screen to facilitate mobile payment, and the smart wristband has a smaller screen for displaying the payment identifier, and the transaction is completed easily and conveniently through the cooperation of the two.
  • the mobile terminal when the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, facilitating the user to perform mobile payment, and ensuring the security of payment.
  • FIG. 3 is a schematic flowchart of another payment method according to an embodiment of the present invention, where the method includes the following steps:
  • S201 Establish a binding relationship between the mobile terminal and the smart bracelet according to the identifier of the user identity module that is set in the smart bracelet and the mobile terminal.
  • a smart phone and a mobile terminal are generally provided with a user identity module, that is, a SIM card is installed, and The hand-held ring and the mobile terminal can use the SIM identifier to establish a binding relationship between the two, and send the binding relationship to the payment center or the payment server for storage.
  • the payment center can be bound according to the SIM card identifier of either party. The identity of the other party.
  • S203 Receive a payment card user name and password acquisition request of the mobile terminal.
  • S204 Send the payment card user name and password to the mobile terminal.
  • a smart card integrated circuit chip module may also be disposed in the smart wristband.
  • the smart wristband includes a ring body, and the main functional units are disposed in the ring body, and the smart card integrated circuit chip module may be integrated or adhered to the smart card integrated circuit chip module.
  • the smart card integrated circuit chip module can store the payment card user name and password. When receiving the payment card user name and password acquisition request of the mobile terminal, the payment card user name and password can be sent to the mobile terminal without user input.
  • the payment center After the mobile payment is performed on the mobile terminal, after the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the payment identifier can be a barcode, a two-dimensional code, etc., for verifying the current transaction.
  • S206 Output the payment identifier, so that the mobile terminal scans the payment identifier to complete payment.
  • the smart bracelet outputs the payment identifier, and the mobile terminal can directly scan the payment identifier on the smart bracelet to complete the payment.
  • the scan button can be set in the payment interface of the mobile terminal, and the button can be pressed without exiting the current payment interface, and the payment identifier can be scanned, and the user does not need to remember the payment identifier in the short message interface, and enters the current payment interface.
  • the mobile terminal has a larger screen, which is convenient for mobile payment, and the smart wristband has a smaller screen for displaying the payment identifier, and the transaction is completed easily and conveniently by the cooperation of the two.
  • S207 Display a current payment amount and a balance in the payment card.
  • the smart card integrated circuit chip module can also store the payment card amount information. After the mobile terminal completes the payment, the smart card integrated circuit chip module of the smart bracelet receives the deduction of the payment center, and the smart bracelet can display the current payment in the payment card. Amount and balance.
  • S208 Receive a payment request of the near field card reading device.
  • the payment request includes a payment amount and a payee identification.
  • S209. Send a payment request to a banking system associated with the payment card.
  • the payment request includes a payment amount, a payee identification, a payment card user, and a password.
  • the smart bracelet can also perform near field payment, that is, the smart card integrated circuit chip module is a near-end payment smart card.
  • the near field payment function can be completed by contacting the near field payment reader. Users can easily make near-field payments without having to pull out their mobile phones or bank cards or bus cards.
  • steps S208-S210 are optional steps.
  • the payment center when the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, facilitating the user to perform mobile payment, and ensuring the security of payment; and the smart bracelet
  • the utility model also comprises a smart card integrated circuit chip module, which can store the payment card amount information, the payment card user name and the password, can send the payment card user name and password to the mobile terminal, guarantee the security of the payment, and can display the current payment amount and the balance, and can also Near field payment is performed using a smart card integrated circuit chip module.
  • FIG. 2 is a schematic flowchart of a payment method according to an embodiment of the present invention, where the method includes the following steps:
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention, where a mobile terminal, a smart bracelet, a payment center, or a payment server establish a communication connection, and the mobile terminal and the mobile terminal Smart bracelet binding.
  • Mobile terminals and smart bracelets are usually connected via Bluetooth or Wi-Fi.
  • the payment center After the mobile payment is performed on the mobile terminal, after the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart wristband bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the payment identifier can be a barcode, a two-dimensional code, etc., for verifying the current transaction.
  • S102 Output the payment identifier, so that the mobile terminal scans the payment identifier to complete payment.
  • the smart bracelet outputs the payment identifier, and the mobile terminal can directly scan the payment identifier on the smart bracelet to complete the payment.
  • the scan button can be set in the payment interface of the mobile terminal, and the button is pressed, without exiting the current
  • the payment interface can scan the payment identifier, and the user does not need to remember the payment identifier in the short message interface, and input to the current payment interface.
  • the mobile terminal has a larger screen to facilitate mobile payment, and the smart bracelet has a smaller screen for displaying the payment identifier, and the transaction is completed easily and conveniently by the cooperation of the two.
  • the mobile terminal when the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, facilitating the user to perform mobile payment, and ensuring the security of payment.
  • FIG. 3 is a schematic flowchart of another payment method according to an embodiment of the present invention, where the method includes the following steps:
  • a smart phone and a mobile terminal are generally provided with a user identity module, that is, a SIM card is installed, and the smart bracelet and the mobile terminal can establish a binding relationship between the two by using the SIM identifier, and bind the binding.
  • the relationship is sent to the payment center or the payment server for storage, and the payment center can query the identity of the other party to which it is bound according to the SIM card identifier of either party.
  • S203 Receive a payment card user name and password acquisition request of the mobile terminal.
  • S204 Send the payment card user name and password to the mobile terminal.
  • a smart card integrated circuit chip module may also be disposed in the smart wristband.
  • the smart wristband includes a ring body, and the main functional units are disposed in the ring body, and the smart card integrated circuit chip module may be integrated or adhered thereto.
  • the smart card integrated circuit chip module can store the payment card user name and password. When receiving the payment card user name and password acquisition request of the mobile terminal, the payment card user name and password can be sent to the mobile terminal without user input.
  • the mobile terminal sends a payment request to the payment center, and then pays The center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the payment identifier can be a barcode, a two-dimensional code, etc., for verifying the current transaction.
  • S206 Output the payment identifier, so that the mobile terminal scans the payment identifier to complete payment.
  • the smart bracelet outputs the payment identifier, and the mobile terminal can directly scan the payment identifier on the smart bracelet to complete the payment.
  • the scan button can be set in the payment interface of the mobile terminal, and the button can be pressed without exiting the current payment interface, and the payment identifier can be scanned, and the user does not need to remember the payment identifier in the short message interface, and enters the current payment interface.
  • the mobile terminal has a larger screen for convenient mobile payment, while the smart wristband has a smaller screen for displaying the payment identifier, and the transaction is completed easily and conveniently by the cooperation of the two.
  • S207 Display a current payment amount and a balance in the payment card.
  • the smart card integrated circuit chip module can also store the payment card amount information, when the mobile terminal completes the payment
  • the smart card integrated circuit chip module of the smart bracelet receives the deduction of the payment center, and the smart bracelet can display the current payment amount and balance in the payment card.
  • S208. Receive a payment request of the near field card reading device.
  • the payment request includes a payment amount and a payee identification.
  • the payment request includes a payment amount, a payee identification, a payment card user, and a password.
  • the smart bracelet can also perform near field payment, that is, the smart card integrated circuit chip module is a near-end payment smart card.
  • the near field payment function can be completed by contacting the near field payment reader. Users can easily make near-field payments without having to pull out their mobile phones or bank cards or bus cards.
  • steps S208-S210 are optional steps.
  • the payment center when the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, facilitating the user to perform mobile payment, and ensuring the security of payment; and the smart bracelet
  • the utility model also comprises a smart card integrated circuit chip module, which can store the payment card amount information, the payment card user name and the password, and can send the payment card user name to the mobile terminal and The password guarantees the security of the payment, and can display the current payment amount and balance.
  • the smart card integrated circuit chip module can also be used for near-field payment.
  • FIG. 4 is a schematic structural diagram of a smart wristband according to an embodiment of the present invention.
  • the smart wristband 300 includes: a receiving unit 33 and an output unit 34, which are connected to each other.
  • the smart bracelet 300 is further connected to each other.
  • the binding unit 31, the transmitting unit 32, the binding unit 31, the transmitting unit 32, the receiving unit 33, and the output unit 34 may be sequentially connected. These units are located on the ring body of the smart bracelet.
  • the smart bracelet may further include a smart card integrated circuit chip module (not shown).
  • the smart card integrated circuit chip module can be connected to the above unit, and the smart card integrated circuit chip module is integrated or glued. Attached to the ring body.
  • the receiving unit 33 is configured to: when the mobile terminal sends a payment request to the payment center, receive the payment identifier sent by the payment center.
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention, where a mobile terminal, a smart bracelet, a payment center, or a payment server establish a communication connection, and the mobile terminal and the mobile terminal Smart bracelet binding.
  • Mobile terminals and smart bracelets are usually connected via Bluetooth or Wi-Fi.
  • the payment center After the mobile payment is performed on the mobile terminal, after the mobile terminal sends a payment request to the payment center, the payment center sends a payment identifier to the smart wristband bound to the mobile terminal, and the smart bracelet receives the payment identifier.
  • the payment identifier can be a barcode, a two-dimensional code, etc., for verifying the current transaction.
  • the output unit 34 is configured to output the payment identifier, so that the mobile terminal scans the payment identifier to complete the payment.
  • the smart bracelet outputs the payment identifier, and the mobile terminal can directly scan the payment identifier on the smart bracelet to complete the payment.
  • the scan button can be set in the payment interface of the mobile terminal, and the button can be pressed without exiting the current payment interface, and the payment identifier can be scanned, and the user does not need to remember the payment identifier in the short message interface, and enters the current payment interface.
  • the mobile terminal has a larger screen to facilitate mobile payment, and the smart bracelet has a smaller screen for displaying the payment identifier, and the transaction is completed easily and conveniently by the cooperation of the two.
  • the smart bracelet also has the following functions:
  • a binding unit 31 configured to identify, according to the identity of the user identity module set in the smart bracelet and the mobile terminal
  • the sending unit 32 is configured to send the binding relationship to the payment center.
  • the smart bracelet and the mobile terminal are generally provided with a user identity module, that is, a SIM card is installed, and the smart bracelet and the mobile terminal can establish a binding relationship between the two by using the SIM identifier, and bind the binding.
  • the relationship is sent to the payment center or the payment server for storage, and the payment center can query the identity of the other party to which it is bound according to the SIM card identifier of either party.
  • the receiving unit 33 is further configured to receive a payment card user name and a password acquisition request of the mobile terminal.
  • the sending unit 32 is further configured to send the payment card username and password to the mobile terminal.
  • a smart card integrated circuit chip module may be disposed in the smart wristband.
  • the smart wristband includes a ring body, and the main functional units are disposed in the ring body, and the smart card integrated circuit chip module may be integrated or adhered thereto.
  • the smart card integrated circuit chip module can store the payment card user name and password. When receiving the payment card user name and password acquisition request of the mobile terminal, the payment card user name and password can be sent to the mobile terminal without user input.
  • the output unit 34 is further configured to display the current payment amount and the balance in the payment card.
  • the smart card integrated circuit chip module can also store the payment card amount information. After the mobile terminal completes the payment, the smart card integrated circuit chip module of the smart bracelet receives the deduction of the payment center, and the smart bracelet can display the current payment in the payment card. Amount and balance.
  • the receiving unit 33 is further configured to receive a payment request of the near field card reading device.
  • the payment request includes a payment amount and a payee identification.
  • the sending unit 32 is further configured to send a payment request to a banking system associated with the payment card.
  • the payment request includes a payment amount, a payee identification, a payment card user, and a password.
  • the output unit 34 is further configured to display the current payment amount and the balance in the payment card after the payment is completed.
  • the smart bracelet can also perform near field payment, that is, the smart card integrated circuit chip module is a near-end payment smart card.
  • the near field payment function can be completed by contacting the near field payment reader. Users can easily make near-field payments without having to pull out their mobile phones or bank cards or bus cards.
  • the payment center when a mobile terminal sends a payment request to a payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier. And outputting, the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, so that the user can conveniently perform mobile payment. And ensure the security of payment; and the smart bracelet also includes a smart card integrated circuit chip module, which can store the payment card amount information, the payment card user name and password, and can send the payment card user name and password to the mobile terminal to ensure the security of payment. , and can display the current payment amount and balance, and can also use the smart card integrated circuit chip module for near field payment.
  • FIG. 5 is a schematic structural diagram of another smart wristband according to an embodiment of the present invention.
  • the smart wristband 400 may include:
  • the input device 41, the output device 42, the memory 43, and the processor 44 (the number of the processors 44 in the network device may be one or more, and one processor in FIG. 5 is taken as an example).
  • the input device 41, the output device 42, the memory 43, and the processor 44 may be connected by a bus or other means, wherein the bus connection is taken as an example in FIG.
  • the processor 44 is configured to perform the following steps:
  • the mobile terminal sends a payment request to the payment center
  • the payment identifier sent by the payment center is received, where the mobile terminal is bound to the smart bracelet
  • the processor further performs the following steps:
  • the smart wristband includes a smart card integrated circuit chip module, and the smart card integrated circuit chip module includes payment card amount information;
  • the processor further performs the following steps:
  • the smart card integrated circuit chip module further includes a payment card user name and a password
  • the processor further performs the following steps:
  • the processor further performs the following steps: Receiving a payment request of the near field card reading device, the payment request including a payment amount and a payee identification; [0170] transmitting a payment request to a banking system associated with the payment card, the payment request including a payment amount , payee identification, payment card user, password;
  • the payment center when a mobile terminal sends a payment request to a payment center, the payment center sends a payment identifier to the smart bracelet bound to the mobile terminal, and the smart bracelet receives the payment identifier. And outputting, the mobile terminal can scan the payment identifier, complete the payment, without exiting the current payment interface of the mobile terminal, remembering and inputting the payment identifier on the payment interface, facilitating the user to perform mobile payment, and ensuring the security of payment; and the smart bracelet
  • the utility model also comprises a smart card integrated circuit chip module, which can store the payment card amount information, the payment card user name and the password, can send the payment card user name and password to the mobile terminal, guarantee the security of payment, and can display the current payment amount and balance,
  • the smart card integrated circuit chip module can be used for near field payment.
  • Computer readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one location to another. Save The storage medium can be any available medium that the computer can access. Taking this as an example, but not limited to:
  • the computer readable medium may include random access memory (Random Access)
  • RAM Random Access Memory
  • ROM Read-Only Memory
  • EEPROM Electrically Erasable Programmable Read-Only Memory
  • CD-ROM Compact Disc Read-Only Memory
  • Any connection may suitably be a computer readable medium.
  • a disk and a disc include a compact disc (CD), a laser disc, a compact disc, a digital versatile disc (DVD), a floppy disc, and a Blu-ray disc, wherein the disc is usually magnetically copied, and the disc is The laser is used to optically replicate the data. Combinations of the above should also be included within the scope of the computer readable media.

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Abstract

一种支付方法及智能手环。该支付方法包括：当移动终端向支付中心发送支付请求，支付中心向与该移动终端绑定的智能手环发送支付标识（S101），智能手环接收该支付标识并输出，移动终端可以扫描该支付标识，完成支付（S102），无需退出移动终端当前支付界面，记住并在支付界面输入支付标识，方便用户进行移动支付，并保证了支付的安全性。

Description

说明书 发明名称：一种支付方法及智能手环
[0001] 技术领域
[0002] 本发明涉及移动支付技术领域， 尤其涉及一种支付方法及智能手环。
[0003] 背景技术
[0004] 随着手机、 平板电脑等便捷式终端的推陈出新， 以及互联网技术的发展， 现在 人们越来越喜欢进行移动支付， 这给人们带来了很大的便利。 然而， 人们使用 便捷式终端进行支付吋， 为了确保支付的安全， 支付中心会通过短信等方式发 送临吋生成的支付标识给便捷式终端， 用户需要从当前支付界面转至短信界面 ， 査看短信， 并记住该支付标识， 然后在支付界面填写或选择支付标识， 这给 人们进行移动支付带来了不便。
[0005] 发明内容
[0006] 本发明实施例提供了一种支付方法及智能手环， 以便于用户进行移动支付 和保证支付的安全性。
[0007] 第一方面， 提供了一种支付方法， 应用于智能手环， 所述方法包括：
[0008] 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付标识， 其中， 所述移动终端与所述智能手环绑定；
[0009] 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0010] 在第一种可能的实现方式中， 所述方法还包括：
[0011] 根据所述智能手环和所述移动终端中设置的用户身份识别模块的标识， 建立所 述移动终端与所述智能手环的绑定关系；
[0012] 将所述绑定关系发送至所述支付中心。
[0013] 结合第一方面或第一方面的第一种可能的实现方式， 在第二种可能的实现方式 中， 所述智能手环包括智能卡集成电路芯片模块， 所述智能卡集成电路芯片模 块中包括支付卡金额信息；
[0014] 所述方法还包括：
[0015] 当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余额。 [0016] 结合第一方面的第二种可能的实现方式， 在第三种可能的实现方式中， 所述智 能卡集成电路芯片模块中还包括支付卡用户名和密码；
[0017] 所述方法还包括：
[0018] 接收所述移动终端的支付卡用户名和密码获取请求；
[0019] 向所述移动终端发送所述支付卡用户名和密码。
[0020] 结合第一方面的第二种可能的实现方式或第一方面的第三种可能的实现方式， 在第四种可能的实现方式中， 所述方法还包括：
[0021] 接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受款方标识； [0022] 向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码；
[0023] 完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0024] 第二方面， 提供了一种智能手环， 所述智能手环包括：
[0025] 接收单元， 用于当移动终端向支付中心发送支付请求吋， 接收所述支付中心发 送的支付标识， 其中， 所述移动终端与所述智能手环绑定；
[0026] 输出单元， 用于输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完 成支付。
[0027] 在第一种可能的实现方式中， 所述智能手环还包括：
[0028] 绑定单元， 用于根据所述智能手环和所述移动终端中设置的用户身份识别模块 的标识， 建立所述移动终端与所述智能手环的绑定关系；
[0029] 发送单元， 用于发送所述绑定关系至所述支付中心。
[0030] 结合第二方面或第二方面的第一种可能的实现方式， 在第二种可能的实现方式 中， 所述智能手环包括智能卡集成电路芯片模块， 所述智能卡集成电路芯片模 块中包括支付卡金额信息；
[0031] 所述输出单元还用于：
[0032] 当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0033] 结合第二方面的第二种可能的实现方式， 在第三种可能的实现方式中， 所述接 收单元还用于接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受 款方标识； [0034] 所述发送单元还用于向与所述支付卡关联的银行系统发送付款请求， 所述付款 请求包括支付金额、 受款方标识、 支付卡用户、 密码；
[0035] 所述输出单元还用于完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0036] 结合第二方面的第二种可能的实现方式或第二方面的第三种可能的实现方式， 在第四种可能的实现方式中， 所述智能手环包括环形本体， 所述接收单元、 发 送单元和输出单元嵌设于所述环形本体内， 所述智能卡集成电路芯片模块集成 或粘附于所述环形本体上。
[0037] 第三方面， 提供了一种智能手环， 所述智能手环包括输入装置、 输出装置、 存 储器和处理器， 所述处理器执行如下步骤：
[0038] 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付标识， 其中， 所述移动终端与所述智能手环绑定；
[0039] 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0040] 在第一种可能的实现方式中， 所述处理器还执行如下步骤：
[0041] 根据所述智能手环和所述移动终端中设置的用户身份识别模块的标识， 建立所 述移动终端与所述智能手环的绑定关系；
[0042] 将所述绑定关系发送至所述支付中心。
[0043] 结合第三方面或第三方面的第一种可能的实现方式， 在第二种可能的实现方式 中， 所述智能手环包括智能卡集成电路芯片模块， 所述智能卡集成电路芯片模 块中包括支付卡金额信息；
[0044] 所述处理器还执行如下步骤：
[0045] 当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0046] 结合第三方面的第二种可能的实现方式， 在第三种可能的实现方式中， 所述智 能卡集成电路芯片模块中还包括支付卡用户名和密码；
[0047] 所述处理器还执行如下步骤：
[0048] 接收所述移动终端的支付卡用户名和密码获取请求；
[0049] 向所述移动终端发送所述支付卡用户名和密码。
[0050] 结合第三方面的第二种可能的实现方式或第三方面的第三种可能的实现方式， 在第四种可能的实现方式中， 所述处理器还执行如下步骤： [0051] 接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受款方标识； [0052] 向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码；
[0053] 完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0054]
[0055] 采用本发明实施例提供的一种支付方法及智能手环， 具有如下有益效果： [0056] 当移动终端向支付中心发送支付请求， 支付中心向与该移动终端绑定的智能手 环发送支付标识， 智能手环接收该支付标识并输出， 移动终端可以扫描该支付 标识， 完成支付， 无需退出移动终端当前支付界面， 记住并在支付界面输入支 付标识， 方便用户进行移动支付， 并保证了支付的安全性。
[0057]
[0058] 附图说明
[0059] 为了更清楚地说明本发明实施例或现有技术中的技术方案， 下面将对实施例中 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他的附图。
[0060] 图 1为本发明实施例涉及的一种支付系统的结构示意图；
[0061] 图 2为本发明实施例提供的一种支付方法的流程示意图；
[0062] 图 3为本发明实施例提供的另一种支付方法的流程示意图；
[0063] 图 4为本发明实施例提供的一种智能手环的结构示意图；
[0064] 图 5为本发明实施例提供的另一种智能手环的结构示意图。
[0065]
[0066] 具体实施方式
[0067] 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作出创造性劳 动前提下所获得的所有其他实施例， 都属于本发明保护的范围。
[0068] 图 2为本发明实施例提供的一种支付方法的流程示意图， 该方法包括以下步骤 [0069] S101、 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付 标识。
[0070] 如图 1所示， 图 1为本发明实施例涉及的一种支付系统的结构示意图， 用户的移 动终端、 智能手环与支付中心或支付服务器之间建立通信连接， 且移动终端与 智能手环绑定。 移动终端、 智能手环之间一般通过蓝牙或 Wi-Fi连接。
[0071] 当在移动终端上进行移动支付吋， 移动终端向支付中心发送支付请求后， 支付 中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支付标识
。 该支付标识可以是条形码、 二维码等， 用于对当前交易进行验证。
[0072] S102、 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0073] 智能手环输出该支付标识， 移动终端可以直接扫描智能手环上的支付标识， 完 成支付。 可在移动终端的支付界面设置扫描按键， 按下该按键， 无需退出当前 支付界面， 并可扫描该支付标识， 也无需用户在短信界面记住支付标识， 并输 入到当前支付界面。
[0074] 移动终端具有较大的屏幕， 方便进行移动支付， 而智能手环则屏幕较小， 用于 显示支付标识， 通过两者的配合轻松、 方便的完成了交易。
[0075] 根据本发明实施例提供的一种支付方法， 当移动终端向支付中心发送支付请求 ， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支 付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终端 当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并 保证了支付的安全性。
[0076]
[0077] 图 3为本发明实施例提供的另一种支付方法的流程示意图， 该方法包括以下步 骤：
[0078] S201、 根据智能手环和移动终端中设置的用户身份识别模块的标识， 建立所述 移动终端与所述智能手环的绑定关系。
[0079] S202、 将所述绑定关系发送至支付中心。
[0080] 智能手环、 移动终端中一般都设置有用户身份识别模块， 即安装有 SIM卡， 智 能手环、 移动终端可利用 SIM标识建立两者之间的绑定关系， 并将该绑定关系发 送给支付中心或支付服务器存储， 支付中心可根据任一方的 SIM卡标识査询与其 绑定的另一方的标识。
[0081] S203、 接收所述移动终端的支付卡用户名和密码获取请求。
[0082] S204、 向所述移动终端发送所述支付卡用户名和密码。
[0083] 智能手环中中还可设置智能卡集成电路芯片模块， 智能手环包括环形本体， 其 主要功能单元都设置于该环形本体内， 而该智能卡集成电路芯片模块可集成或 粘附于该环形本体上。 智能卡集成电路芯片模块可存储支付卡用户名和密码， 当接收到移动终端的支付卡用户名和密码获取请求吋， 可向移动终端发送支付 卡用户名和密码， 而无需用户输入。
[0084] S205、 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付 标识。
[0085] 当在移动终端上进行移动支付吋， 移动终端向支付中心发送支付请求后， 支付 中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支付标识
。 该支付标识可以是条形码、 二维码等， 用于对当前交易进行验证。
[0086] S206、 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0087] 智能手环输出该支付标识， 移动终端可以直接扫描智能手环上的支付标识， 完 成支付。 可在移动终端的支付界面设置扫描按键， 按下该按键， 无需退出当前 支付界面， 并可扫描该支付标识， 也无需用户在短信界面记住支付标识， 并输 入到当前支付界面。
[0088] 移动终端具有较大的屏幕， 方便进行移动支付， 而智能手环则屏幕较小， 用于 显示支付标识， 通过两者的配合轻松、 方便的完成了交易。
[0089] S207、 显示所述支付卡中的当前支付金额和余额。
[0090] 智能卡集成电路芯片模块还可以存储支付卡金额信息， 当移动终端完成支付后 ， 智能手环的智能卡集成电路芯片模块接收支付中心的扣款， 智能手环可显示 支付卡中的当前支付金额和余额。
[0091] S208、 接收近场读卡装置的支付请求。
[0092] 所述支付请求包括支付金额和受款方标识。 [0093] S209、 向与所述支付卡关联的银行系统发送付款请求。
[0094] 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码。
[0095] S210、 完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0096] 智能手环还可以完成近场支付， 即智能卡集成电路芯片模块为近端支付智能卡
， 通过与近场支付读卡器接触， 可完成近场支付功能。 用户无需掏出手机或银 行卡、 公交卡， 即可轻松完成近场支付。
[0097] 当然， 步骤 S208-S210是可选的步骤。
[0098] 根据本发明实施例提供的一种支付方法， 当移动终端向支付中心发送支付请 求， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该 支付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终 端当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并保证了支付的安全性； 且智能手环中还包括智能卡集成电路芯片模块， 可存 储支付卡金额信息、 支付卡用户名和密码， 可向移动终端发送支付卡用户名和 密码， 保证支付的安全性， 并可显示当前支付的金额和余额， 还可利用智能卡 集成电路芯片模块进行近场支付。
[0099] 图 2为本发明实施例提供的一种支付方法的流程示意图， 该方法包括以下步 骤：
[0100] S101、 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付 标识。
[0101] 如图 1所示， 图 1为本发明实施例涉及的一种支付系统的结构示意图， 用户的移 动终端、 智能手环与支付中心或支付服务器之间建立通信连接， 且移动终端与 智能手环绑定。 移动终端、 智能手环之间一般通过蓝牙或 Wi-Fi连接。
[0102] 当在移动终端上进行移动支付吋， 移动终端向支付中心发送支付请求后， 支付 中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支付标识
。 该支付标识可以是条形码、 二维码等， 用于对当前交易进行验证。
[0103] S102、 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0104] 智能手环输出该支付标识， 移动终端可以直接扫描智能手环上的支付标识， 完 成支付。 可在移动终端的支付界面设置扫描按键， 按下该按键， 无需退出当前 支付界面， 并可扫描该支付标识， 也无需用户在短信界面记住支付标识， 并输 入到当前支付界面。
[0105] 移动终端具有较大的屏幕， 方便进行移动支付， 而智能手环则屏幕较小， 用于 显示支付标识， 通过两者的配合轻松、 方便的完成了交易。
[0106] 根据本发明实施例提供的一种支付方法， 当移动终端向支付中心发送支付请求 ， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支 付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终端 当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并 保证了支付的安全性。
[0107] 图 3为本发明实施例提供的另一种支付方法的流程示意图， 该方法包括以下步 骤：
[0108] S201、 根据智能手环和移动终端中设置的用户身份识别模块的标识， 建立所述 移动终端与所述智能手环的绑定关系。
[0109] S202、 将所述绑定关系发送至支付中心。
[0110] 智能手环、 移动终端中一般都设置有用户身份识别模块， 即安装有 SIM卡， 智 能手环、 移动终端可利用 SIM标识建立两者之间的绑定关系， 并将该绑定关系发 送给支付中心或支付服务器存储， 支付中心可根据任一方的 SIM卡标识査询与其 绑定的另一方的标识。
[0111] S203、 接收所述移动终端的支付卡用户名和密码获取请求。
[0112] S204、 向所述移动终端发送所述支付卡用户名和密码。
[0113] 智能手环中中还可设置智能卡集成电路芯片模块， 智能手环包括环形本体， 其 主要功能单元都设置于该环形本体内， 而该智能卡集成电路芯片模块可集成或 粘附于该环形本体上。 智能卡集成电路芯片模块可存储支付卡用户名和密码， 当接收到移动终端的支付卡用户名和密码获取请求吋， 可向移动终端发送支付 卡用户名和密码， 而无需用户输入。
[0114] S205、 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付 标识。
[0115] 当在移动终端上进行移动支付吋， 移动终端向支付中心发送支付请求后， 支付 中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支付标识 。 该支付标识可以是条形码、 二维码等， 用于对当前交易进行验证。
[0116] S206、 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0117] 智能手环输出该支付标识， 移动终端可以直接扫描智能手环上的支付标识， 完 成支付。 可在移动终端的支付界面设置扫描按键， 按下该按键， 无需退出当前 支付界面， 并可扫描该支付标识， 也无需用户在短信界面记住支付标识， 并输 入到当前支付界面。
[0118] 移动终端具有较大的屏幕， 方便进行移动支付， 而智能手环则屏幕较小， 用于 显示支付标识， 通过两者的配合轻松、 方便的完成了交易。
[0119] S207、 显示所述支付卡中的当前支付金额和余额。
[0120] 智能卡集成电路芯片模块还可以存储支付卡金额信息， 当移动终端完成支付后
， 智能手环的智能卡集成电路芯片模块接收支付中心的扣款， 智能手环可显示 支付卡中的当前支付金额和余额。
[0121] S208、 接收近场读卡装置的支付请求。
[0122] 所述支付请求包括支付金额和受款方标识。
[0123] S209、 向与所述支付卡关联的银行系统发送付款请求。
[0124] 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码。
[0125] S210、 完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0126] 智能手环还可以完成近场支付， 即智能卡集成电路芯片模块为近端支付智能卡
， 通过与近场支付读卡器接触， 可完成近场支付功能。 用户无需掏出手机或银 行卡、 公交卡， 即可轻松完成近场支付。
[0127] 当然， 步骤 S208-S210是可选的步骤。
[0128] 根据本发明实施例提供的一种支付方法， 当移动终端向支付中心发送支付请 求， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该 支付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终 端当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并保证了支付的安全性； 且智能手环中还包括智能卡集成电路芯片模块， 可存 储支付卡金额信息、 支付卡用户名和密码， 可向移动终端发送支付卡用户名和 密码， 保证支付的安全性， 并可显示当前支付的金额和余额， 还可利用智能卡 集成电路芯片模块进行近场支付。
[0129] 图 4为本发明实施例提供的一种智能手环的结构示意图， 该智能手环 300包括： 接收单元 33和输出单元 34， 它们之间互相连接， 此外， 该智能手环 300还可包括 绑定单元 31、 发送单元 32， 绑定单元 31、 发送单元 32、 接收单元 33和输出单元 3 4依次连接。 这些单元位于智能手环的环形本体上， 智能手环还可包括智能卡集 成电路芯片模块 (未示出)， 该智能卡集成电路芯片模块与以上单元都可连接， 该 智能卡集成电路芯片模块集成或粘附于环形本体上。
[0130] 接收单元 33， 用于当移动终端向支付中心发送支付请求吋， 接收所述支付中心 发送的支付标识。
[0131] 如图 1所示， 图 1为本发明实施例涉及的一种支付系统的结构示意图， 用户的移 动终端、 智能手环与支付中心或支付服务器之间建立通信连接， 且移动终端与 智能手环绑定。 移动终端、 智能手环之间一般通过蓝牙或 Wi-Fi连接。
[0132] 当在移动终端上进行移动支付吋， 移动终端向支付中心发送支付请求后， 支付 中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支付标识
。 该支付标识可以是条形码、 二维码等， 用于对当前交易进行验证。
[0133] 输出单元 34， 用于输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0134] 智能手环输出该支付标识， 移动终端可以直接扫描智能手环上的支付标识， 完 成支付。 可在移动终端的支付界面设置扫描按键， 按下该按键， 无需退出当前 支付界面， 并可扫描该支付标识， 也无需用户在短信界面记住支付标识， 并输 入到当前支付界面。
[0135] 移动终端具有较大的屏幕， 方便进行移动支付， 而智能手环则屏幕较小， 用于 显示支付标识， 通过两者的配合轻松、 方便的完成了交易。
[0136] 进一步地， 智能手环还具有以下功能：
[0137] 绑定单元 31， 用于根据智能手环和移动终端中设置的用户身份识别模块的标识
， 建立所述移动终端与所述智能手环的绑定关系。
[0138] 发送单元 32， 用于将所述绑定关系发送至支付中心。 [0139] 智能手环、 移动终端中一般都设置有用户身份识别模块， 即安装有 SIM卡， 智 能手环、 移动终端可利用 SIM标识建立两者之间的绑定关系， 并将该绑定关系发 送给支付中心或支付服务器存储， 支付中心可根据任一方的 SIM卡标识査询与其 绑定的另一方的标识。
[0140] 接收单元 33还用于接收所述移动终端的支付卡用户名和密码获取请求。
[0141] 发送单元 32还用于向所述移动终端发送所述支付卡用户名和密码。
[0142] 智能手环中中还可设置智能卡集成电路芯片模块， 智能手环包括环形本体， 其 主要功能单元都设置于该环形本体内， 而该智能卡集成电路芯片模块可集成或 粘附于该环形本体上。 智能卡集成电路芯片模块可存储支付卡用户名和密码， 当接收到移动终端的支付卡用户名和密码获取请求吋， 可向移动终端发送支付 卡用户名和密码， 而无需用户输入。
[0143] 输出单元 34还用于显示所述支付卡中的当前支付金额和余额。
[0144] 智能卡集成电路芯片模块还可以存储支付卡金额信息， 当移动终端完成支付后 ， 智能手环的智能卡集成电路芯片模块接收支付中心的扣款， 智能手环可显示 支付卡中的当前支付金额和余额。
[0145] 接收单元 33还用于接收近场读卡装置的支付请求。
[0146] 所述支付请求包括支付金额和受款方标识。
[0147] 发送单元 32还用于向与所述支付卡关联的银行系统发送付款请求。
[0148] 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码。
[0149] 输出单元 34还用于完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0150] 智能手环还可以完成近场支付， 即智能卡集成电路芯片模块为近端支付智能卡
， 通过与近场支付读卡器接触， 可完成近场支付功能。 用户无需掏出手机或银 行卡、 公交卡， 即可轻松完成近场支付。
[0151] 当然， 近场支付是可选的功能。
[0152] 根据本发明实施例提供的一种智能手环， 当移动终端向支付中心发送支付请 求， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该 支付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终 端当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并保证了支付的安全性； 且智能手环中还包括智能卡集成电路芯片模块， 可存 储支付卡金额信息、 支付卡用户名和密码， 可向移动终端发送支付卡用户名和 密码， 保证支付的安全性， 并可显示当前支付的金额和余额， 还可利用智能卡 集成电路芯片模块进行近场支付。
[0153] 图 5为本发明实施例提供的另一种智能手环的结构示意图， 该智能手环 400可包 括：
[0154] 输入装置 41、 输出装置 42、 存储器 43和处理器 44(网络设备中的处理器 44的数 量可以一个或多个， 图 5中以一个处理器为例)。 在本发明的一些实施例中， 输入 装置 41、 输出装置 42、 存储器 43和处理器 44可通过总线或其它方式连接， 其中 ， 图 5中以通过总线连接为例。
[0155] 其中， 处理器 44用于执行以下步骤：
[0156] 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支付标识， 其中， 所述移动终端与所述智能手环绑定；
[0157] 输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付。
[0158] 在第一种可能的实现方式中， 所述处理器还执行如下步骤：
[0159] 根据所述智能手环和所述移动终端中设置的用户身份识别模块的标识， 建立所 述移动终端与所述智能手环的绑定关系；
[0160] 将所述绑定关系发送至所述支付中心。
[0161] 在第二种可能的实现方式中， 所述智能手环包括智能卡集成电路芯片模块， 所 述智能卡集成电路芯片模块中包括支付卡金额信息；
[0162] 所述处理器还执行如下步骤：
[0163] 当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0164] 在第三种可能的实现方式中， 所述智能卡集成电路芯片模块中还包括支付卡用 户名和密码；
[0165] 所述处理器还执行如下步骤：
[0166] 接收所述移动终端的支付卡用户名和密码获取请求；
[0167] 向所述移动终端发送所述支付卡用户名和密码。
[0168] 在第四种可能的实现方式中， 所述处理器还执行如下步骤： [0169] 接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受款方标识； [0170] 向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码；
[0171] 完成支付后， 显示所述支付卡中的当前支付金额和余额。
[0172] 根据本发明实施例提供的一种智能手环， 当移动终端向支付中心发送支付请求 ， 支付中心向与该移动终端绑定的智能手环发送支付标识， 智能手环接收该支 付标识并输出， 移动终端可以扫描该支付标识， 完成支付， 无需退出移动终端 当前支付界面， 记住并在支付界面输入支付标识， 方便用户进行移动支付， 并 保证了支付的安全性； 且智能手环中还包括智能卡集成电路芯片模块， 可存储 支付卡金额信息、 支付卡用户名和密码， 可向移动终端发送支付卡用户名和密 码， 保证支付的安全性， 并可显示当前支付的金额和余额， 还可利用智能卡集 成电路芯片模块进行近场支付。
[0173] 需要说明的是， 对于前述的各方法实施例， 为了简单描述， 故将其都表述为一 系列的动作组合， 但是本领域技术人员应该知悉， 本发明并不受所描述的动作 顺序的限制， 因为根据本发明， 某些步骤可以采用其他顺序或者同吋进行。 其 次， 本领域技术人员也应该知悉， 说明书中所描述的实施例均属于优选实施例 ， 所涉及的动作和模块并不一定是本发明所必须的。
[0174] 在上述实施例中， 对各个实施例的描述都各有侧重， 某个实施例中没有详述的 部分， 可以参见其他实施例的相关描述。
[0175] 本发明实施例方法中的步骤可以根据实际需要进行顺序调整、 合并和刪减。
[0176] 本发明实施例装置中的单元可以根据实际需要进行合并、 划分和刪减。 本领域 的技术人员可以将本说明书中描述的不同实施例以及不同实施例的特征进行结 合或组合。
[0177] 通过以上的实施方式的描述， 所属领域的技术人员可以清楚地了解到本发明可 以用硬件实现， 或固件实现， 或它们的组合方式来实现。 当使用软件实现吋， 可以将上述功能存储在计算机可读介质中或作为计算机可读介质上的一个或多 个指令或代码进行传输。 计算机可读介质包括计算机存储介质和通信介质， 其 中通信介质包括便于从一个地方向另一个地方传送计算机程序的任何介质。 存 储介质可以是计算机能够存取的任何可用介质。 以此为例但不限于： 计算机可 读介质可以包括随机存取存储器 (Random Access
Memory , RAM)、 只读存储器 (Read-Only Memory， ROM)、 电可擦可编程只读 存储器 (Electrically Erasable Programmable Read-Only Memory， EEPROM)、 只读 光盘 (Compact Disc Read-Only Memory , CD-ROM)或其他光盘存储、 磁盘存储介 质或者其他磁存储设备、 或者能够用于携带或存储具有指令或数据结构形式的 期望的程序代码并能够由计算机存取的任何其他介质。 此外。 任何连接可以适 当的成为计算机可读介质。 例如， 如果软件是使用同轴电缆、 光纤光缆、 双绞 线、 数字用户线 （Digital Subscriber Line, DSL) 或者诸如红外线、 无线电和微 波之类的无线技术从网站、 服务器或者其他远程源传输的， 那么同轴电缆、 光 纤光缆、 双绞线、 DSL或者诸如红外线、 无线和微波之类的无线技术包括在所属 介质的定影中。 如本发明所使用的， 盘 （Disk) 和碟 （disc) 包括压缩光碟 （CD ) 、 激光碟、 光碟、 数字通用光碟 （DVD) 、 软盘和蓝光光碟， 其中盘通常磁 性的复制数据， 而碟则用激光来光学的复制数据。 上面的组合也应当包括在计 算机可读介质的保护范围之内。
总之， 以上所述仅为本发明技术方案的较佳实施例而已， 并非用于限定本发明 的保护范围。 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。
技术问题
问题的解决方案
发明的有益效果

Claims

权利要求书
[权利要求 1] 一种支付方法， 应用于智能手环， 其特征在于， 所述方法包括： 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支 付标识， 其中， 所述移动终端与所述智能手环绑定；
输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付
[权利要求 2] 如权利要求 1所述的方法， 其特征在于， 所述方法还包括：
根据所述智能手环和所述移动终端中设置的用户身份识别模块的标识 ， 建立所述移动终端与所述智能手环的绑定关系； 将所述绑定关系发送至所述支付中心。
[权利要求 3] 如权利要求 1或 2所述的方法， 其特征在于， 所述智能手环包括智能卡 集成电路芯片模块， 所述智能卡集成电路芯片模块中包括支付卡金额 f π息；
所述方法还包括：
当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余 额。
[权利要求 4] 如权利要求 3所述的方法， 其特征在于， 所述智能卡集成电路芯片模 块中还包括支付卡用户名和密码；
所述方法还包括：
接收所述移动终端的支付卡用户名和密码获取请求；
向所述移动终端发送所述支付卡用户名和密码。
[权利要求 5] 如权利要求 4所述的方法， 其特征在于， 所述方法还包括：
接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受款方 标识； 向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支 付金额、 受款方标识、 支付卡用户、 密码；
完成支付后， 显示所述支付卡中的当前支付金额和余额。
[权利要求 6] —种智能手环， 其特征在于， 所述智能手环包括：
接收单元， 用于当移动终端向支付中心发送支付请求吋， 接收所述支 付中心发送的支付标识， 其中， 所述移动终端与所述智能手环绑定； 输出单元， 用于输出所述支付标识， 以使所述移动终端扫描所述支付 标识， 完成支付。
[权利要求 7] 如权利要求 6所述的智能手环， 其特征在于， 所述智能手环还包括： 绑定单元， 用于根据所述智能手环和所述移动终端中设置的用户身份 识别模块的标识， 建立所述移动终端与所述智能手环的绑定关系； 发送单元， 用于将所述绑定关系发送至所述支付中心。
[权利要求 8] 如权利要求 6所述的智能手环， 其特征在于， 所述智能手环包括智能 卡集成电路芯片模块， 所述智能卡集成电路芯片模块中包括支付卡金 额信息；
所述输出单元还用于：
当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余 额。
[权利要求 9] 如权利要求 8所述的智能手环， 其特征在于：
所述接收单元还用于接收近场读卡装置的支付请求， 所述支付请求包 括支付金额和受款方标识；
所述发送单元还用于向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支付金额、 受款方标识、 支付卡用户、 密码； 所述输出单元还用于完成支付后， 显示所述支付卡中的当前支付金额 和余额。
[权利要求 10] 如权利要求 8或 9所述的智能手环， 其特征在于， 所述智能手环包括环 形本体， 所述接收单元、 发送单元和输出单元嵌设于所述环形本体内 ， 所述智能卡集成电路芯片模块集成或粘附于所述环形本体上。
[权利要求 11] 一种智能手环， 所述智能手环包括输入装置、 输出装置、 存储器和处 理器， 其特征在于， 所述处理器执行如下步骤： 当移动终端向支付中心发送支付请求吋， 接收所述支付中心发送的支 付标识， 其中， 所述移动终端与所述智能手环绑定；
输出所述支付标识， 以使所述移动终端扫描所述支付标识， 完成支付
[权利要求 12] 如权利要求 11所述的智能手环， 其特征在于， 所述处理器还执行如下 步骤：
根据所述智能手环和所述移动终端中设置的用户身份识别模块的标识 ， 建立所述移动终端与所述智能手环的绑定关系； 将所述绑定关系发送至所述支付中心。
[权利要求 13] 如权利要求 11或 12所述的智能手环， 其特征在于， 所述智能手环包括 智能卡集成电路芯片模块， 所述智能卡集成电路芯片模块中包括支付 卡金额信息；
所述处理器还执行如下步骤：
当所述移动终端完成支付后， 显示所述支付卡中的当前支付金额和余 额。
[权利要求 14] 如权利要求 13所述的智能手环， 其特征在于， 所述智能卡集成电路芯 片模块中还包括支付卡用户名和密码；
所述处理器还执行如下步骤： 接收所述移动终端的支付卡用户名和密码获取请求;
向所述移动终端发送所述支付卡用户名和密码。
[权利要求 15] 如权利要求 14所述的智能手环， 其特征在于， 所述处理器还执行如下 步骤：
接收近场读卡装置的支付请求， 所述支付请求包括支付金额和受款方 标识；
向与所述支付卡关联的银行系统发送付款请求， 所述付款请求包括支 付金额、 受款方标识、 支付卡用户、 密码；
完成支付后， 显示所述支付卡中的当前支付金额和余额。
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