WO2017101740A1 - 一种基于hce的支付方法和装置 - Google Patents

一种基于hce的支付方法和装置 Download PDF

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Publication number
WO2017101740A1
WO2017101740A1 PCT/CN2016/109247 CN2016109247W WO2017101740A1 WO 2017101740 A1 WO2017101740 A1 WO 2017101740A1 CN 2016109247 W CN2016109247 W CN 2016109247W WO 2017101740 A1 WO2017101740 A1 WO 2017101740A1
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user
discount
card information
receiving terminal
payment
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PCT/CN2016/109247
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English (en)
French (fr)
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才华
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中国银联股份有限公司
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Publication of WO2017101740A1 publication Critical patent/WO2017101740A1/zh

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

Definitions

  • Embodiments of the present invention relate to electronic payments, and in particular to HCE-based payment methods and apparatus.
  • NFC Near Field Communication
  • NFC Devices with NFC capability can work in three ways.
  • Card Emulation mode the NFC device simulates a card
  • reader mode the NFC device simulates the reader to read and write the card
  • two-way data sharing mode the two NFC devices exchange each other. data.
  • the way to implement card emulation on an NFC device includes a hardware-based Virtual Card Mode and a software-based Host Card Mode.
  • virtual card mode you need to provide a Secure Element (SE).
  • SE provides secure storage for sensitive information and a secure execution environment for transactional transactions.
  • the NFC chip forwards the data received from the external reader to the SE, and then processes it by the SE and returns the processing result through the NFC controller.
  • the host card mode there is no need to provide the SE, but the function of the SE is completed by an application running in the NFC device or a server in the cloud.
  • HCE host-based card emulation
  • the data received by the NFC chip is exchanged by the operating system or an application sent to the device, or sent to the server in the cloud through the mobile network. Therefore, when using HCE, the NFC controller sends the data received from the external reader directly to the host system instead of the SE.
  • An HCE-based payment method including: receiving a unique identifier of a user from an receiving terminal, obtaining card information bound to the user from a user identifier stored in the cloud according to the unique identifier of the user, and obtaining a discount item based on the card information,
  • the acceptance terminal returns the payment amount after the discount.
  • the discount information is determined based on the card information and the payment amount.
  • the user uniquely identifies the corresponding plurality of cards, wherein the maximum discount item is obtained based on the multiple card information, and the payment amount after the maximum discount is returned to the receiving terminal.
  • the user uniquely identifies a plurality of cards, wherein a plurality of discount items are obtained based on the plurality of card information, and the plurality of discount items are returned to the receiving terminal.
  • An HCE-based payment device comprising: a first unit, receiving a unique identifier of a user from an receiving terminal, and a second unit, obtaining card information bound to the user from a user identifier stored in the cloud according to the unique identifier of the user, The three units obtain a discount item based on the card information, and the fourth unit returns the discounted payment amount to the receiving terminal.
  • the third unit determines the discount information according to the card information and the payment amount.
  • the user uniquely identifies a plurality of cards, wherein the third unit obtains a maximum discount item based on the multiple card information, and the fourth unit returns a maximum discount amount to the receiving terminal. .
  • the user uniquely identifies a plurality of cards, wherein the third unit obtains a plurality of discount items based on the plurality of card information, and the fourth unit returns the plurality of discounts to the receiving terminal. project.
  • the advantage of the present invention is that the user does not need to worry about forgetting various promotions, discounts, and the like, and even if holding multiple bank cards, the bank card corresponding to the most favorable discount item can be automatically selected. Moreover, the HCE-based card analog payment method does not require the user to carry the bank card with him or her to carry out the payment. Embodiments of the present invention increase the user's payment efficiency in conducting transaction activities while also increasing the user's payment experience.
  • FIG. 1 is a schematic diagram of an HCE-based payment scheme in accordance with an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of an HCE-based payment method in accordance with an embodiment of the present invention.
  • FIG. 3 is a schematic diagram of an HCE-based payment device in accordance with an embodiment of the present invention.
  • the payment application in the smart terminal 10 can simulate a payment IC card and directly communicate with the NFC card reader in the acceptance terminal 20 through the NFC controller provided in the smart terminal 10.
  • the user credentials and other sensitive information such as the user's account information and payment password can be stored remotely in the cloud 40, and the SE function is completed by the server of the cloud 40.
  • the NFC card reader of the receiving terminal 30 obtains the user unique identifier from the smart terminal 10.
  • the receiving terminal 30 transmits the user unique identifier to the background transaction system 30.
  • the background transaction system 30 obtains card information bound to the user from the user credentials stored in the cloud based on the unique identifier of the user.
  • the back office transaction system 30 can obtain discount items based on the discount information configuration and card information it maintains.
  • the discount item indicates the discount that the user can enjoy during the payment process.
  • the background transaction system 30 returns the discounted payment amount to the acceptance terminal 20.
  • the receiving terminal 20 performs a subsequent transaction operation based on the discounted payment amount. After the transaction is successful, the receiving terminal can prompt the user for the discount item.
  • the transaction system can provide an automatic discount operation, the user does not need to recall or view the discounts that can be enjoyed in the current payment scenario before making a payment, and does not need to care or intervene in the transaction related to the discount.
  • the back office transaction system can determine the discount information based on the card information and the payment amount. For example, when a specific bank card is used to consume a certain amount, a discount is given.
  • the user uniquely identifies a plurality of cards, wherein the maximum discount item is obtained based on the plurality of card information, and the payment amount after the maximum discount is returned to the receiving terminal.
  • the user uniquely identifies a plurality of cards, wherein a plurality of discount items are obtained based on the plurality of card information, and the plurality of discount items are returned to the receiving terminal.
  • FIG. 2 is a schematic diagram of an HCE-based payment method in accordance with an embodiment of the present invention.
  • the method can generally include the following four steps and can be performed in a background transaction system.
  • Step 201 Receive a user unique identifier from the receiving terminal.
  • the user unique identifier can uniquely identify the user and can be bound to one or more bank cards.
  • Step 202 Obtain card information bound to the user from the user credentials stored in the cloud according to the unique identifier of the user.
  • Step 203 Obtain a discount item based on the card information.
  • the discount information is determined based on the card information and the payment amount.
  • Step 204 Return the discounted payment amount to the receiving terminal.
  • the maximum discount item can be obtained based on the plurality of card information, and the payment amount after the maximum discount is returned to the receiving terminal.
  • a plurality of discount items may be obtained based on the plurality of card information, and the plurality of discount items may be returned to the receiving terminal. After the user knows the plurality of discount items, the user can select the discount items to be used.
  • Step 301 The user completes binding of multiple bank card information and the mobile phone application through the mobile phone application, and obtains a unique identifier of the user;
  • Step 302 At the beginning of the payment, the cashier inputs the transaction amount at the POS terminal, prompting the user to place the mobile phone on the POS terminal, and then the POS terminal obtains the unique identifier of the user from the mobile phone, and sends it to the background transaction system in a secure manner. ;
  • Step 303 The background transaction system acquires the card information bound by the user according to the unique identifier of the user, compares the configuration with the discount information maintained by the background transaction system itself, and performs the preferential matching according to the transaction amount;
  • Step 304 The background transaction system returns the card matching the discount information and the payment amount after the discount.
  • Step 305 The POS terminal displays the discounted payment amount through the display, and the cashier can prompt the user whether he is willing to participate in the preferential activity;
  • Step 306 After the user confirms the participation in the preferential activity, the POS terminal sends a transaction request to the background transaction system;
  • Step 307 The Taiwan trading system performs final transaction authorization.
  • steps 304, 305, 306 may be omitted, that is, the matching of the discount is automatically completed, and the optimal selection is completed in combination with the current transaction amount of the user, without user intervention.
  • steps 301 to 307 can be considered as method steps, and/or considered as operations due to running computer program code, and/or as a plurality of coupled logic circuit elements constructed to implement related functions. .
  • the operations are depicted in the figures in a particular order, this should not be construed as requiring that the operations are performed in the particular order shown or in the order of the order, or that all illustrated operations are performed to achieve the desired results. In some cases, multitasking parallel processing may be advantageous.
  • the HCE-based payment device includes: a first unit, receiving a unique identifier of the user from the receiving terminal, and a second unit, obtaining, according to the user identifier, the card information bound to the user from the user credential stored in the cloud, the third unit, The discount item is obtained based on the card information, and the fourth unit returns the discounted payment amount to the receiving terminal.
  • the third unit may determine the discount information according to the card information and the payment amount.
  • the user uniquely identifies a plurality of cards, wherein the third unit obtains a maximum discount item based on the plurality of card information, and the fourth unit returns a maximum discount to the receiving terminal. The amount paid.
  • the user uniquely identifies a plurality of cards, wherein the third unit obtains a plurality of discount items based on the plurality of card information, and the fourth unit returns the plurality of the plurality of discount items to the receiving terminal. Discount items.
  • the respective functional unit modules can be configured in a background transaction system. It can also be configured in other components of the trading system depending on the specific implementation.
  • the exemplary embodiments can be implemented in hardware, software, or a combination thereof. For example, some aspects of the invention may be implemented in hardware, while other aspects may be implemented in software. Although aspects of the exemplary embodiments of the present invention may be shown and described as a block diagram, a flowchart, it is well understood that the devices or methods described herein may be implemented in a system as a non-limiting example as functional module. Furthermore, the above-described apparatus should not be construed as requiring such separation in all embodiments, but it should be understood that the described program components and systems can generally be integrated into a single software product or packaged into multiple software products. .

Abstract

一种基于HCE的支付方法和支付装置。方法包括：从受理终端接收用户唯一标识（201），根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息（202），基于该卡信息得到折扣项目（203），向该受理终端返回折扣后的支付金额（204）。

Description

一种基于HCE的支付方法和装置 技术领域
本发明的实施例涉及电子支付，并且具体涉及基于HCE的支付方法和装置。
背景技术
近场通信(Near Field Communication，NFC)技术允许电子设备之间在数厘米的范围内进行非接触式点对点数据传输。
具有NFC功能的设备可三种方式下工作。在卡模拟(Card Emulation)模式下，NFC设备模拟一张卡；在读写器模式下，NFC设备模拟读写器，对卡进行读写；在双向数据分享模式下，两个NFC设备互相交换数据。
在NFC设备上实现卡模拟的方式包括基于硬件的虚拟卡模式(Virtual Card Mode)和是基于软件的主机卡模式(Host Card Mode)。在虚拟卡模式下，需要提供安全元件(Secure Element，SE)。SE为敏感信息提供安全存储，并且为交易事务提供的安全的执行环境。NFC芯片作为非接触通信前端，将从外部读写器接收到的数据转发到SE，然后由SE处理，并通过NFC控制器返回处理结果。在主机卡模式下，不需要提供SE，而是由在NFC设备中运行的一个应用或云端的服务器完成SE的功能。在基于主机的卡模拟(host-based card emulation，HCE)下，NFC芯片接收到的数据由操作系统或发送至设备中的应用，或通过移动网络发送至云端的服务器来完成交互。因此，在使用HCE时，NFC控制器将从外部读写器接收到的数据直接发送到主机系统上，而不是SE。
发明内容
公开一种基于HCE的支付方法，包括：从受理终端接收用户唯一标识，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，基于该卡信息得到折扣项目，向该受理终端返回折扣后的支付金额。
可选地，根据该卡信息和支付金额确定折扣信息。
可选地，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。
可选地，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。
公开一种基于HCE的支付装置，包括：第一单元，从受理终端接收用户唯一标识，第二单元，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，第三单元，基于该卡信息得到折扣项目，第四单元，向该受理终端返回折扣后的支付金额。
可选地，所述第三单元，根据该卡信息和支付金额确定折扣信息。
可选地，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到最大折扣项目，所述第四单元，向该受理终端返回最大折扣后的支付金额。
可选地，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到多个折扣项目，所述第四单元，向该受理终端返回所述多个折扣项目。
本发明的优势在于用户不需要担心遗忘各种促销、折扣等活动，即使持有多张银行卡，对应最优惠的折扣项目的银行卡可以被自动地选择。而且，基于HCE的卡模拟支付方式，不需要用户随身携带银行卡就能够进行支付。本发明的实施例提高了用户在进行交易活动中的支付效率，同时也增加了用户的支付体验。
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
图1是根据本发明实施例的基于HCE的支付方案的示意图。
图2是根据本发明实施例的基于HCE的支付方法的示意图。
图3是根据本发明实施例的基于HCE的支付装置的示意图。
具体实施方式
在下文中，将结合实施例描述本发明的原理。应当理解的是，给出的实施例只是为了本领域技术人员更好地理解并且实践本发明，而不是限制本发明的范围。例如，本说明书中包含许多具体的实施细节不应被解释为对发明的范围或可能被要求保护的范围的限制，而是应该被视为特定于实施例的描述。例如，在各实施例的上下文描述的特征可被组合在单一实施例中来实施。在单一实施例的上下文中描述的特可在多个实施例来实施。
图1是根据本发明实施例的基于HCE的支付方案的示意图。在该基于HCE的支付方案中，智能终端10中的支付应用可以模拟支付IC卡，并且通过设置在智能终端10中的NFC控制器与受理终端20中的NFC读卡器直接通信。而用户的账户信息和支付密码等用户凭据和其它敏感信息可以被远程地存储在云端40，由云端40的服务器完成SE功能。
在使用安装有支付应用的智能终端10进行支付时，受理终端30的NFC读卡器从智能终端10获得用户唯一标识。受理终端30再将该用户唯一标识传送到后台交易系统30。后台交易系统30根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息。后台交易系统30可以根据其维护的折扣信息配置和卡信息得到折扣项目。折扣项目指示用户在本次支付过程中能够享受的优惠。最后，后台交易系统30向该受理终端20返回折扣后的支付金额。受理终端20根据该折扣后的支付金额进行后续交易操作。交易成功后，受理终端可以向用户提示折扣项目。由此，交易系统可以提供自动折扣的操作，用户在进行支付前不需要回忆或者查看在当前支付场景下可以享受的折扣，不需要去关心或者干预与折扣相关的事务。
在一个实施例中，后台交易系统可以根据该卡信息和支付金额确定折扣信息。例如，当使用特定银行卡消费特定金额时，给予折扣。
用户在进行刷卡消费时，可能达到多种符合条件的优惠促销。在一个实施例 中，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。在另一种情况下，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。
图2是根据本发明实施例的基于HCE的支付方法的示意图。该方法大致可以包括以下四个步骤，并且可以在后台交易系统被执行。
步骤201：从受理终端接收用户唯一标识。该用户唯一标识可以唯一地确定用户身份，并且可以与一张或多张银行卡绑定。
步骤202：根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息。
步骤203：基于该卡信息得到折扣项目。或者，根据该卡信息和支付金额确定折扣信息。
步骤204：向该受理终端返回折扣后的支付金额。可以基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。或者还可以基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。用户在知晓该多个折扣项目之后，可以选择需要使用的折扣项目。
以下描述使用本发明的支付方法的交易过程的具体实例。
步骤301：用户通过手机应用程序完成多张银行卡信息与手机应用程序的绑定，并获得用户唯一标识；
步骤302：在支付开始时，收银员在POS终端输入交易金额，提示用户将手机放置于POS终端上，随后POS终端从手机获得用户唯一标识，并且以安全的方式将其上送到后台交易系统；
步骤303：后台交易系统根据用户唯一标识向云端获取用户绑定的卡信息，通过与后台交易系统自身所维护的折扣信息配置进行比对，并结合本次交易金额进行优惠匹配；
步骤304：后台交易系统将匹配折扣信息的卡、以及折扣后的支付金额返回 POS终端；
步骤305：POS终端通过显示器显示折扣后的支付金额，收银员可以提示用户是否愿意参与优惠活动；
步骤306：在用户确认参与优惠活动后，POS终端发送交易请求到后台交易系统；
步骤307：台交易系统进行最终交易授权。
特别地，上述步骤304、305、306可以省略，即，自动完成折扣的匹配，并结合用户本次交易金额完成最优选择，无需用户干预。
图2和上述步骤301至307可被视为方法步骤、和/或被视为由于运行计算机程序代码而导致的操作、和/或被视为构建为实施相关功能的多个耦合的逻辑电路元件。尽管操作按特定的顺序在图中被描绘，但这不应被理解为要求按照所示的特定顺序或按依次顺序来执行这些操作，或要求所有例示的操作被执行，以达到理想的结果。在某些情况下，多任务并行处理可能是有利的。
图3是根据本发明实施例的基于HCE的支付装置的示意图。基于HCE的支付装置，包括：第一单元，从受理终端接收用户唯一标识，第二单元，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，第三单元，基于该卡信息得到折扣项目，第四单元，向该受理终端返回折扣后的支付金额。其中，所述第三单元，可以根据该卡信息和支付金额确定折扣信息。
在一个实施例中，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到最大折扣项目，所述第四单元，向该受理终端返回最大折扣后的支付金额。
在一个实施例中，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到多个折扣项目，所述第四单元，向该受理终端返回所述多个折扣项目。
可以理解的是，所述各个功能性单元模块可以被配置在后台交易系统。还可以根据具体的实施情况，被配置在交易系统的其他部件中。
示例性实施例可在硬件、软件或其组合中来实施。例如，本发明的某些方面可在硬件中实施，而其它方面则可在软件中实施。尽管本发明的示例性实施例的方面可被示出和描述为框图、流程图，但很好理解的是，这里描述的这些装置、或方法可在作为非限制性实例的系统中被实现为功能模块。此外，上述装置不应被理解为要求在所有的实施例中进行这种分离，而应该被理解为所描述的程序组件和系统通常可以被集成在单一的软件产品中或打包成多个软件产品。
相关领域的技术人员当结合附图阅读前述说明书时，对本发明的前述示例性实施例的各种修改和变形对于相关领域的技术人员会变得明显。因此，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 (8)

  1. 一种基于HCE的支付方法，其特征在于，包括：
    从受理终端接收用户唯一标识，
    根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，
    基于该卡信息得到折扣项目，
    向该受理终端返回折扣后的支付金额。
  2. 如权利要求1所述的方法，其特征在于，
    根据该卡信息和支付金额确定折扣信息。
  3. 如权利要求1所述的方法，其特征在于，
    所述用户唯一标识对应多张卡，其中，
    基于该多张卡信息得到最大折扣项目，
    向该受理终端返回最大折扣后的支付金额。
  4. 如权利要求1所述的方法，其特征在于，
    所述用户唯一标识对应多张卡，其中，
    基于该多张卡信息得到多个折扣项目，
    向该受理终端返回所述多个折扣项目。
  5. 一种基于HCE的支付装置，其特征在于，包括：
    第一单元，从受理终端接收用户唯一标识，
    第二单元，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，
    第三单元，基于该卡信息得到折扣项目，
    第四单元，向该受理终端返回折扣后的支付金额。
  6. 如权利要求5所述的装置，其特征在于，
    所述第三单元，根据该卡信息和支付金额确定折扣信息。
  7. 如权利要求5所述的装置，其特征在于，
    所述用户唯一标识对应多张卡，其中，
    所述第三单元，基于该多张卡信息得到最大折扣项目，
    所述第四单元，向该受理终端返回最大折扣后的支付金额。
  8. 如权利要求5所述的装置，其特征在于，
    所述用户唯一标识对应多张卡，其中，
    所述第三单元，基于该多张卡信息得到多个折扣项目，
    所述第四单元，向该受理终端返回所述多个折扣项目。
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