WO2017113503A1 - 支付方法、支付装置和可穿戴设备 - Google Patents

支付方法、支付装置和可穿戴设备 Download PDF

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Publication number
WO2017113503A1
WO2017113503A1 PCT/CN2016/074889 CN2016074889W WO2017113503A1 WO 2017113503 A1 WO2017113503 A1 WO 2017113503A1 CN 2016074889 W CN2016074889 W CN 2016074889W WO 2017113503 A1 WO2017113503 A1 WO 2017113503A1
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WO
WIPO (PCT)
Prior art keywords
payment
wearable device
transaction
amount
request
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PCT/CN2016/074889
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English (en)
French (fr)
Inventor
陈历伟
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宇龙计算机通信科技(深圳)有限公司
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Publication of WO2017113503A1 publication Critical patent/WO2017113503A1/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
    • G06Q20/327—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
    • G06Q20/30—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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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

Definitions

  • the present invention relates to the field of terminal technologies, and in particular, to a payment method, a payment device, and a wearable device.
  • the identity authentication information can be written into the chip of the wearable device, so that when the terminal performs the payment, the terminal can connect to the wearable device to read the authentication of the identity authentication information, thereby enabling the terminal to realize the secret-free payment.
  • the NFC chip for mobile payment and its antenna and the ESE chip are all disposed inside the terminal.
  • This payment function is actually performed in the terminal, which is only using the wearable device for identity authentication, that is, The wearable device itself cannot perform mobile payment. Even when making a small payment, it is not convenient to carry the terminal with the wearable device.
  • the invention is based on the above problems, and proposes a new technical solution, which can realize direct payment of small amount by using a wearable device.
  • the first aspect of the present invention provides a payment method for a wearable device having an NFC chip for near field communication, the payment method comprising: obtaining a payment request; Whether the payment request is a small payment; if it is a small payment, the confidential payment transaction is initiated by the NFC chip, and the payment process is completed.
  • an NFC (Near Field Communication) chip can be disposed in the wearable device.
  • the technical solution of setting the NFC chip in the terminal in the related art, in particular, the terminal can store the account information and the corresponding electronic cash into the NFC chip, so that when the payment request is determined to be a small payment, the wearable The device can directly interact with the peripheral payment device through the antenna, deducting the electronic cash in the wearable device, realizing the secret-free payment, improving the convenience of mobile payment, and reducing the complexity of the mobile phone hardware, and being a wearable device.
  • the function of separately performing mobile payment is realized, which improves the convenience of mobile payment and the practicability of the wearable device.
  • determining whether the payment request is a micropayment specifically comprising: determining whether the amount of the payment request is less than or equal to a single payment limit; and/or determining the payment request Whether the sum of the amount and the historical payment amount of the day is less than or equal to the one-day payment limit.
  • the single payment limit and/or the one-day payment limit may be set by a third party, or may be set by the user in the terminal or the wearable device, if the amount of the payment request is less than or equal to a single payment.
  • the limit indicates that the payment amount is valid and belongs to the small payment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the one-day payment limit, the payment amount on the current day is not exceeded, and the payment request is a small payment.
  • the method further includes: recording a small number of payment times in a preset time period; detecting whether the number of small payment times reaches a threshold; and if the threshold is reached, prohibiting the wearable device A micropayment function and sending reminder information to the mobile terminal bound to the wearable device.
  • the number of micropayments can also be limited, and the threshold value of the number of micropayments can be set by the third party or the user, and the number of micropayments in the preset time period can be limited.
  • the three parties or the user can set the preset time period and the threshold of the number of micropayments in the preset time period.
  • the preset time period when the user can set the micropayment on the mobile phone or the wearable device bound to the mobile phone is 1h, and the threshold of the number of micropayments within 1 hour is set to 5 times, so that the wearable device Can check itself It is measured whether the number of micropayments such as bus card or online shopping is up to five times within 1 hour. If it is five times, the user's wearable device is likely to be lost or stolen. The frequent payment behavior may be that others use the wearable device. By brushing the bus card or online shopping, the micropayment function of the wearable device can be automatically prohibited at this time.
  • the reminder information can also be sent to the mobile terminal bound to the wearable device, and the user can be notified in time to facilitate the user to take measures in time to ensure payment security, wherein the reminder information can include the payment transaction content of the wearable device and wearable.
  • the real-time location of the device, etc. a threshold may be set for the total number of small payment times of the wearable device in the preset time period according to the received setting command, or a corresponding preset time period and a number of times threshold may be respectively set for different types of small payment.
  • the threshold for setting the total number of small payment times of the wearable device within 1 hour is 5 times, and the threshold of the number of online shopping payment times of the wearable device within 1 hour may be set to 3 times, and the threshold of the number of cross-line transfer times within 2 hours may be set. 2 times.
  • the wearable device further has an ESE chip
  • the ESE chip is configured to store payment transaction sensitive information
  • the payment method further includes: when determining that the payment request is not small Establishing a communication connection between the wearable device and a mobile terminal bound to the wearable device; transmitting the payment transaction sensitive information to a security system of the mobile terminal for the security system to complete payment transaction.
  • the ESE (Embedded Security Element) chip can be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, thereby reducing the complexity of the mobile phone hardware and implementing the device for the wearable device.
  • the function of mobile payment alone improves the convenience of mobile payment and the practicability of wearable devices.
  • the ESE chip is used to store payment transaction sensitive information, that is, account transaction information of a higher security level, such as bank card information, and the like, and is particularly suitable for application scenarios of large-value payment.
  • the ESE chip can be combined with a dedicated secure payment system in a plurality of systems of the terminal, and the related transaction information is sent by the ESE chip to the secure payment system, and the secure payment system sends the related transaction information to the transaction platform server at the transaction platform. After the server verification is confirmed, the payment can be directly debited, and the transaction result is fed back to the secure payment system, and then the secure payment system feeds back to the wearable device.
  • the payment transaction sensitive information comprises at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • the transaction information includes but is not limited to at least one of the following or a combination thereof: Easy account number, transaction amount, transaction object, transaction time, multiple transaction information provide users with more conditions to choose space. For example, users can set to use NFC chip for direct confidential payment when the transaction content is daily necessities. When the content is an electronic product, the ESE chip is selected for secure payment.
  • a second aspect of the present invention provides a payment device for a wearable device having an NFC chip for near field communication, the payment device comprising: a payment request acquisition unit, obtaining a payment request; and paying The credit determination unit determines whether the payment request is a small payment; the first execution unit, if it is a small payment, initiates a confidential payment transaction through the NFC chip, and completes the payment process.
  • an NFC (Near Field Communication) chip can be disposed in the wearable device, instead of the technical solution of setting the NFC chip in the terminal in the related art, in particular, the terminal can be stored in the NFC chip.
  • the account information and the corresponding electronic cash so that when the payment request is determined to be a small payment, the wearable device can directly interact with the peripheral payment device through the antenna, deducting the electronic cash in the wearable device, thereby realizing the confidential payment and improving.
  • the convenience of mobile payment at the same time, also reduces the complexity of the mobile phone hardware, realizes the function of mobile payment separately for the wearable device, and improves the convenience of mobile payment and the practicability of the wearable device.
  • the payment amount determining unit is specifically configured to: determine whether the amount of the payment request is less than or equal to a single payment limit, and/or determine the amount of the payment request and the historical payment of the day Whether the sum of the amounts is less than or equal to the one-day payment limit.
  • the single payment limit and/or the one-day payment limit may be set by a third party, or may be set by the user in the terminal or the wearable device, if the amount of the payment request is less than or equal to a single payment.
  • the limit indicates that the payment amount is valid and belongs to the small payment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the one-day payment limit, the payment amount on the current day is not exceeded, and the payment request is a small payment.
  • the method further includes: a payment number recording unit that records the number of small payment times in the preset time period; and a detecting unit that detects whether the small number of payment times reaches a threshold; the second execution unit If the detecting unit detects that the number of small payment reaches The threshold, the micropayment function of the wearable device is prohibited, and the reminder information is sent to the mobile terminal bound to the wearable device.
  • the number of micropayments can also be limited, and the threshold value of the number of micropayments can be set by the third party or the user, and the number of micropayments in the preset time period can be limited.
  • the three parties or the user can set the preset time period and the threshold of the number of micropayments in the preset time period.
  • the preset time period when the user can set the micropayment on the mobile phone or the wearable device bound to the mobile phone is 1h, and the threshold of the number of micropayments within 1 hour is set to 5 times, so that the wearable device It can detect whether the number of micro-payments such as bus card or online shopping within five hours is five times. If it reaches five times, it means that the user's wearable device is likely to be lost or stolen. Frequent payment behavior may be used by others.
  • the wearable device performs a bus card or online shopping, so the micropayment function of the wearable device can be automatically prohibited at this time.
  • the reminder information can also be sent to the mobile terminal bound to the wearable device, and the user can be notified in time to facilitate the user to take measures in time to ensure payment security, wherein the reminder information can include the payment transaction content of the wearable device and wearable.
  • the real-time location of the device, etc. a threshold may be set for the total number of small payment times of the wearable device in the preset time period according to the received setting command, or a corresponding preset time period and a number of times threshold may be respectively set for different types of small payment.
  • the threshold for setting the total number of small payment times of the wearable device within 1 hour is 5 times, and the threshold of the number of online shopping payment times of the wearable device within 1 hour may be set to 3 times, and the threshold of the number of cross-line transfer times within 2 hours may be set. 2 times.
  • the wearable device further has an ESE chip
  • the ESE chip is configured to store payment transaction sensitive information
  • the payment device further includes: a communication connection establishing unit, when determining the Establishing a communication connection between the wearable device and a mobile terminal bound to the wearable device when the payment request is not for a small payment; and transmitting, by the sensitive information sending unit, the payment transaction sensitive information to the mobile terminal a system for the security system to complete a payment transaction.
  • the ESE (embedded security element) chip can be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, and reducing the mobile phone.
  • the complexity of the hardware enables a separate mobile payment function for the wearable device, which improves the convenience of mobile payment and the practicability of the wearable device.
  • the ESE chip is used to store payment transaction sensitive information, that is, account transaction information of a higher security level, such as bank card information, and the like, and is particularly suitable for application scenarios of large-value payment.
  • the ESE chip can be combined with a dedicated secure payment system in a plurality of systems of the terminal, and the related transaction information is sent by the ESE chip to the secure payment system, and the secure payment system sends the related transaction information to the transaction platform server at the transaction platform. After the server verification is confirmed, the payment can be directly debited, and the transaction result is fed back to the secure payment system, and then the secure payment system feeds back to the wearable device.
  • the payment transaction sensitive information comprises at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • the transaction information includes, but is not limited to, at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, a transaction time, and a plurality of transaction information provides a user with more condition selection space, for example, the user can It is set to use the NFC chip for direct confidential payment when the transaction content is daily necessities.
  • the ESE chip is selected for secure payment.
  • Yet another aspect of the present invention provides a wearable device including a communication bus, an input device, an output device, a memory, and a processor, wherein:
  • the communication bus is configured to implement connection communication between the input device, the output device, the memory, and the processor;
  • the input device is configured to obtain a payment request
  • the output device is configured to communicate with the NFC
  • the program stores a set of program codes, and the wearable device calls program code stored in the memory for performing the following operations:
  • the input device acquires a payment request
  • the processor determines whether the payment request is a micropayment
  • the output device initiates a secret-free payment transaction through the NFC chip to complete the payment process.
  • the processor determines whether the payment request is a micropayment, and specifically includes:
  • the processor determines whether the amount of the payment request is less than or equal to a single payment limit; and / or
  • the processor determines whether the sum of the amount of the payment request and the historical payment amount of the day is less than or equal to the one-day payment limit.
  • it also includes:
  • the processor records the number of small payments in a preset time period
  • the processor detects whether the number of small payment times reaches a threshold
  • the processor prohibits the micropayment function of the wearable device, and the output device sends the reminder information to the mobile terminal bound to the wearable device.
  • the wearable device further has an ESE chip, and the ESE chip is configured to store payment transaction sensitive information, and
  • the processor establishes a communication connection between the wearable device and a mobile terminal bound to the wearable device when determining that the payment request is not a micropayment;
  • the output device transmits the payment transaction sensitive information to a security system of the mobile terminal for the security system to complete a payment transaction.
  • the payment transaction sensitive information includes at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • the wearable device when determining that the payment request is a micropayment, can directly interact with the peripheral payment device through the antenna, deducting the electronic cash in the wearable device, realizing the secret-free payment, and improving the convenience of the mobile payment. Sex, at the same time, it also reduces the complexity of the mobile phone hardware, and realizes the mobile payment function for the wearable device, which improves the convenience of mobile payment and the practicability of the wearable device.
  • Figure 1 shows a flow chart of a payment method in accordance with one embodiment of the present invention
  • FIG. 2 shows a block diagram of a payment device in accordance with one embodiment of the present invention
  • Figure 3 shows a block diagram of a wearable device in accordance with one embodiment of the present invention
  • FIG. 4 shows a flow chart of a payment method in accordance with another embodiment of the present invention.
  • FIG. 5 illustrates a schematic diagram of interaction of a wearable device with a mobile phone in accordance with one embodiment of the present invention.
  • FIG. 1 shows a flow chart of a payment method in accordance with one embodiment of the present invention.
  • a payment method is used in a wearable device having an NFC chip for near field communication, and the payment method includes:
  • Step 102 Obtain a payment request.
  • Step 104 Determine whether the payment request is a micropayment
  • Step 106 If it is a small payment, the confidential payment transaction is initiated by the NFC chip, and the payment process is completed.
  • an NFC (Near Field Communication) chip can be disposed in the wearable device, instead of the technical solution of setting the NFC chip in the terminal in the related art, in particular, the terminal can be stored in the NFC chip.
  • the account information and the corresponding electronic cash so that when the payment request is determined to be a small payment, the wearable device can directly interact with the peripheral payment device through the antenna, deducting the electronic cash in the wearable device, thereby realizing the confidential payment and improving.
  • the convenience of mobile payment at the same time, also reduces the complexity of the mobile phone hardware, realizes the function of mobile payment separately for the wearable device, and improves the convenience of mobile payment and the practicability of the wearable device.
  • the step 104 includes: determining whether the amount of the payment request is less than or equal to a single payment limit; and/or determining whether the sum of the amount of the payment request and the historical payment amount of the day is less than Or equal to the one-day payment limit.
  • the single payment limit and/or the one-day payment limit may be set by a third party, or may be set by the user in the terminal or the wearable device, if the amount of the payment request is less than or equal to a single payment.
  • the limit indicates that the payment amount is valid and belongs to the micropayment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the one-day payment limit, Explain that the payment amount on the day does not exceed the standard, and the payment request is a small payment.
  • the method further includes: recording a small number of payment times in a preset time period; detecting whether the number of small payment times reaches a threshold; and if the threshold is reached, prohibiting the wearable device A micropayment function and sending reminder information to the mobile terminal bound to the wearable device.
  • the number of micropayments can also be limited, and the threshold value of the number of micropayments can be set by the third party or the user, and the number of micropayments in the preset time period can be limited.
  • the three parties or the user can set the preset time period and the threshold of the number of micropayments in the preset time period.
  • the preset time period when the user can set the micropayment on the mobile phone or the wearable device bound to the mobile phone is 1h, and the threshold of the number of micropayments within 1 hour is set to 5 times, so that the wearable device It can detect whether the number of micro-payments such as bus card or online shopping within five hours is five times. If it reaches five times, it means that the user's wearable device is likely to be lost or stolen. Frequent payment behavior may be used by others.
  • the wearable device performs a bus card or online shopping, so the micropayment function of the wearable device can be automatically prohibited at this time.
  • the reminder information can also be sent to the mobile terminal bound to the wearable device, and the user can be notified in time to facilitate the user to take measures in time to ensure payment security, wherein the reminder information can include the payment transaction content of the wearable device and wearable.
  • the real-time location of the device, etc. a threshold may be set for the total number of small payment times of the wearable device in the preset time period according to the received setting command, or a corresponding preset time period and a number of times threshold may be respectively set for different types of small payment.
  • the threshold for setting the total number of small payment times of the wearable device within 1 hour is 5 times, and the threshold of the number of online shopping payment times of the wearable device within 1 hour may be set to 3 times, and the threshold of the number of cross-line transfer times within 2 hours may be set. 2 times.
  • the wearable device further has an ESE chip
  • the ESE chip is configured to store payment transaction sensitive information
  • the step 106 further includes: when determining that the payment request is not for micropayment Establishing the wearable device and the wearable device a communication connection of the bound mobile terminal; transmitting the payment transaction sensitive information to a security system of the mobile terminal for the security system to complete the payment transaction.
  • the ESE (Embedded Security Element) chip can be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, thereby reducing the complexity of the mobile phone hardware and implementing the device for the wearable device.
  • the function of mobile payment alone improves the convenience of mobile payment and the practicability of wearable devices.
  • the ESE chip is used to store payment transaction sensitive information, that is, account transaction information of a higher security level, such as bank card information, and the like, and is particularly suitable for application scenarios of large-value payment.
  • the ESE chip can be combined with a dedicated secure payment system in a plurality of systems of the terminal, and the related transaction information is sent by the ESE chip to the secure payment system, and the secure payment system sends the related transaction information to the transaction platform server at the transaction platform. After the server verification is confirmed, the payment can be directly debited, and the transaction result is fed back to the secure payment system, and then the secure payment system feeds back to the wearable device.
  • the payment transaction sensitive information comprises at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • the transaction information includes, but is not limited to, at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, a transaction time, and a plurality of transaction information provides a user with more condition selection space, for example, the user can It is set to use the NFC chip for direct confidential payment when the transaction content is daily necessities.
  • the ESE chip is selected for secure payment.
  • FIG. 2 shows a block diagram of a payment device in accordance with one embodiment of the present invention.
  • a payment device 200 is used in a wearable device having an NFC chip for near field communication, and the payment device 200 includes: a payment request acquisition unit 202, payment The credit determination unit 204 and the first execution unit 206.
  • the payment request obtaining unit 202 is configured to obtain a payment request; the payment amount determining unit 204 is configured to determine whether the payment request is a small payment; the first executing unit 206 is configured to pass the NFC chip if it is a small payment. Initiate a confidential payment transaction and complete the payment process.
  • an NFC (Near Field Communication) chip can be disposed in the wearable device, instead of the technical solution of setting the NFC chip in the terminal in the related art, in particular, the terminal can be stored in the NFC chip.
  • Account information and corresponding electronic cash so that when the payment request is judged to be a small payment, the wearable device can directly communicate with the peripheral payment device through the antenna. Deducting the electronic cash in the wearable device, realizing the secret-free payment, improving the convenience of mobile payment, and reducing the complexity of the mobile phone hardware, realizing the function of mobile payment for the wearable device separately, improving The convenience of mobile payment and the usability of wearable devices.
  • the payment amount determining unit 204 is specifically configured to: determine whether the amount of the payment request is less than or equal to a single payment limit, and/or determine the amount of the payment request and the historical payment amount of the day Whether the sum is less than or equal to the one-day payment limit.
  • the single payment limit and/or the one-day payment limit may be set by a third party, or may be set by the user in the terminal or the wearable device, if the amount of the payment request is less than or equal to a single payment.
  • the limit indicates that the payment amount is valid and belongs to the small payment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the one-day payment limit, the payment amount on the current day is not exceeded, and the payment request is a small payment.
  • the method further includes: a payment number recording unit 208, recording a small number of payment times in a preset time period; and detecting unit 210, detecting whether the small number of payment times reaches a threshold; The executing unit 212, if the detecting unit detects that the number of micropayments reaches a threshold, prohibits the micropayment function of the wearable device, and sends the reminding information to the mobile terminal bound to the wearable device.
  • the number of micropayments can also be limited, and the threshold value of the number of micropayments can be set by the third party or the user, and the number of micropayments in the preset time period can be limited.
  • the three parties or the user can set the preset time period and the threshold of the number of micropayments in the preset time period.
  • the preset time period when the user can set the micropayment on the mobile phone or the wearable device bound to the mobile phone is 1h, and the threshold of the number of micropayments within 1 hour is set to 5 times, so that the wearable device It can detect whether the number of micro-payments such as bus card or online shopping within five hours is five times. If it reaches five times, it means that the user's wearable device is likely to be lost or stolen. Frequent payment behavior may be used by others.
  • the wearable device performs a bus card or online shopping, so the micropayment function of the wearable device can be automatically prohibited at this time.
  • the reminder information can also be sent to the mobile terminal bound to the wearable device, and the user can be notified in time to facilitate the user to take measures in time to ensure payment security, wherein the reminder information can include the payment transaction content of the wearable device and wearable.
  • the real-time location of the device, etc. a threshold may be set for the total number of small payment times of the wearable device in the preset time period according to the received setting command, or a corresponding preset time period and a number of times threshold may be respectively set for different types of small payment.
  • the threshold for setting the total number of small payment times of the wearable device within 1 hour is 5 times, and the threshold of the number of online shopping payment times of the wearable device within 1 hour may be set to 3 times, and the threshold of the number of cross-line transfer times within 2 hours may be set. 2 times.
  • the wearable device further has an ESE chip
  • the ESE chip is configured to store payment transaction sensitive information
  • the payment device 200 further includes: a communication connection establishing unit 214, when determining the payment request Establishing a communication connection between the wearable device and the mobile terminal bound to the wearable device when not paying a small amount; the sensitive information sending unit 216, transmitting the payment transaction sensitive information to the security system of the mobile terminal For the security system to complete the payment transaction.
  • the ESE (Embedded Security Element) chip can be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, thereby reducing the complexity of the mobile phone hardware and implementing the device for the wearable device.
  • the function of mobile payment alone improves the convenience of mobile payment and the practicability of wearable devices.
  • the ESE chip is used to store payment transaction sensitive information, that is, account transaction information of a higher security level, such as bank card information, and the like, and is particularly suitable for application scenarios of large-value payment.
  • the ESE chip can be combined with a dedicated secure payment system in a plurality of systems of the terminal, and the related transaction information is sent by the ESE chip to the secure payment system, and the secure payment system sends the related transaction information to the transaction platform server at the transaction platform. After the server verification is confirmed, the payment can be directly debited, and the transaction result is fed back to the secure payment system, and then the secure payment system feeds back to the wearable device.
  • the payment transaction sensitive information comprises at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • the transaction information includes, but is not limited to, at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, a transaction time, and a plurality of transaction information provides a user with more condition selection space, for example, the user can Set to use NFC when the transaction content is daily necessities
  • the chip performs direct confidential payment.
  • the ESE chip is selected for secure payment.
  • Figure 3 shows a block diagram of a wearable device in accordance with one embodiment of the present invention.
  • a wearable device includes a communication bus 302, an input device 303, an output device 304, a memory 305, and a processor 301, wherein:
  • the communication bus 302 is configured to implement connection communication between the input device 303, the output device 304, the memory 305, and the processor 301;
  • the input device 303 is configured to obtain a payment request.
  • the output device 304 is configured to communicate with the NFC
  • the memory 305 stores a set of program codes, and the wearable device calls the program code stored in the memory 305 for performing the following operations:
  • the input device 303 acquires a payment request
  • the processor 301 determines whether the payment request is a micropayment
  • the output device 304 initiates a secret-free payment transaction through the NFC chip to complete the payment process.
  • the processor 301 determines whether the payment request is a micropayment, and specifically includes:
  • the processor 301 determines whether the amount of the payment request is less than or equal to a single payment limit.
  • the processor 301 determines whether the sum of the amount of the payment request and the historical payment amount of the day is less than or equal to the one-day payment limit.
  • the processor 301 can also perform the following operations.
  • the processor 301 records the number of small payment times in a preset time period
  • the processor 301 detects whether the number of small payment times reaches a threshold
  • the processor 301 disables the micropayment function of the wearable device, and the output device 304 sends the reminder information to the mobile terminal bound to the wearable device.
  • the wearable device further has an ESE chip, and the ESE chip is configured to store payment transaction sensitive information, and
  • the processor 301 establishes the wearable when it is determined that the payment request is not a small payment Wearing a communication connection between the device and the mobile terminal bound to the wearable device;
  • the output device 304 transmits the payment transaction sensitive information to a security system of the mobile terminal for the security system to complete a payment transaction.
  • the payment transaction sensitive information includes at least one of the following or a combination thereof: a transaction account number, a transaction amount, a transaction object, and a transaction time.
  • FIG. 4 shows a flow chart of a payment method in accordance with another embodiment of the present invention.
  • a payment method includes:
  • Step 402 The wearable device initiates a payment request.
  • step 404 it is determined whether it is a large online payment. When the determination result is yes, the process proceeds to step 406. Otherwise, the process proceeds to step 408.
  • Step 406 Connect and communicate with the security system of the mobile phone, and transmit sensitive information such as a transaction account, a password, and an amount to the security system of the mobile phone.
  • step 408 it is determined to be a small payment.
  • Step 410 Enable a virtual private network in the security system of the mobile phone, and send the sensitive information transmitted by the wearable device to the transaction platform server for confirmation.
  • step 412 the transaction platform server verifies the deduction and verifies the transaction result after passing the verification.
  • Step 414 communicating with an external transaction device through the NFC chip and its antenna to perform a secret-free payment.
  • step 416 the transaction platform server verifies the deduction and verifies the transaction result after passing the verification.
  • FIG. 5 illustrates a schematic diagram of interaction of a wearable device with a mobile phone in accordance with one embodiment of the present invention.
  • the handset 500 has a secure payment system 502 and other systems 505, wherein the ESE chip 6044 is coupled to the secure payment system 502, and the associated transaction information is sent by the ESE chip 6044 to the secure payment system 502, and the secure payment system 502
  • the related transaction information is sent to the trading platform server, and after the transaction platform server verifies and confirms, the transaction can be directly debited, and the transaction result is fed back to the secure payment system 502, and then fed back to the wearable device by the secure payment system 502.
  • the ESE chip can also be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, reducing the complexity of the mobile phone hardware, implementing the function of separately performing mobile payment for the wearable device, and improving the mobile function.
  • the convenience of payment and the usability of wearable devices can also be disposed on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related art, reducing the complexity of the mobile phone hardware, implementing the function of separately performing mobile payment for the wearable device, and improving the mobile function. The convenience of payment and the usability of wearable devices.
  • the payment module 604 of the wearable device 600 further includes an NFC chip 6042 connected to the controller 602 for performing near field communication with an external transaction device through an antenna to pay electronic cash to the external transaction device.
  • the complexity of the mobile phone hardware is reduced, and the mobile payment function is separately implemented for the wearable device, which improves the convenience of mobile payment and the practicability of the wearable device.
  • the NFC chip can be disposed in the wearable device, which replaces the technical solution of setting the NFC chip in the terminal in the related art, reduces the complexity of the mobile phone hardware, implements a separate mobile payment function for the wearable device, and improves the mobile function. The convenience of payment and the usability of wearable devices.
  • the wearable device can directly interact with the peripheral payment device through the antenna, and deduct the inside of the wearable device.
  • E-cash which realizes confidential payment, improves the convenience of mobile payment, and also reduces the complexity of mobile phone hardware, realizes the function of mobile payment for wearable devices, and improves the convenience of mobile payment.
  • the practicality of the wearable device is described in detail above with reference to the accompanying drawings.

Abstract

一种支付方法、一种支付装置和一种可穿戴设备，其中，支付方法包括：获取支付请求（102）；判断所述支付请求是否为小额支付（104）；若为小额支付，则通过NFC芯片发起免密支付交易，完成支付过程（106）。通过该方法，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。

Description

支付方法、支付装置和可穿戴设备
本申请要求于2015年12月29日提交中国专利局，申请号为201511017122.2、发明名称为“支付方法、支付装置和可穿戴设备”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，涉及一种支付方法、一种支付装置和一种可穿戴设备。
背景技术
目前，可把身份认证信息写入可穿戴设备的芯片中，这样，终端在进行支付时，就能连接可穿戴设备读取身份认证信息鉴权，从而使终端实现免密支付。
然而，用于移动支付的NFC芯片及其天线以及ESE芯片都设置在终端的内部，这种支付功能实际上是在终端中进行的，其只是使用可穿戴设备进行身份认证，也就是说，可穿戴设备本身不能进行移动支付，即使是进行小额支付时，也需要将终端与可穿戴设备一起随身携带，不够便捷。
因此需要一种新的技术方案，可以实现使用可穿戴设备直接进行小额支付。
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，可以实现使用可穿戴设备直接进行小额支付。
有鉴于此，本发明的第一方面提出了一种支付方法，用于可穿戴设备，所述可穿戴设备具有用于近场通信的NFC芯片，所述支付方法包括：获取支付请求；判断所述支付请求是否为小额支付；若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
在该技术方案中，可以将NFC(近场通信)芯片设置在可穿戴设备中， 取代相关技术中将NFC芯片设置在终端中的技术方案，具体来说，可以通过终端可以向NFC芯片内存储账户信息及对应的电子现金，这样，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
在上述技术方案中，优选地，所述判断所述支付请求是否为小额支付，具体包括：判断所述支付请求的金额是否小于或等于单次支付限额；和/或判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
在该技术方案中，首先，单次支付限额和/或单日支付限额可以由第三方设置，也可以由用户在终端或可穿戴设备中进行设置，如果支付请求的金额小于或等于单次支付限额，说明其支付额度有效，属于小额支付，如果支付请求的金额与当天的历史支付金额之和小于或等于单日支付限额，说明当日支付金额未超标，该支付请求属于小额支付。通过对小额支付的限制，可以提升使用可穿戴设备进行支付功能的安全性，保护用户的财产安全。
在上述任一技术方案中，优选地，还包括：记录在预设时间段内的小额支付次数；检测所述小额支付次数是否达到阈值；若达到阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
在该技术方案中，还可以对小额支付的次数进行限制，由第三方或用户自行设置小额支付的次数的阈值，还可以对预设时间段内的小额支付的次数进行限制，第三方或用户可以自行设置预设时间段以及预设时间段内的小额支付的次数的阈值，在小额支付的次数达到阈值时，在预定时间段内的小额支付的次数达到阈值时，说明支付额度超出了限制，具有财产损失的风险，故此时可以禁止可穿戴设备的小额支付功能。比如，用户可以在手机上或与手机绑定的可穿戴设备上设置小额支付时的预设时间段为1h，并设置1h内小额支付的次数的阈值为5次，这样，可穿戴设备本身可以检 测1h内刷公交卡或网购等小额支付的次数是否达到五次，如果达到五次，说明用户的可穿戴设备很可能丢失或被窃，频繁的支付行为有可能是他人使用该可穿戴设备进行刷公交卡或网购，故可以在此时自动禁止可穿戴设备的小额支付功能。同时，还可以发送提醒信息至与可穿戴设备绑定的移动终端，以及时通知用户，便于用户及时采取措施，从而保证支付安全，其中，提醒信息可以包括可穿戴设备的支付交易内容、可穿戴设备的实时位置等。另外，可以根据接收到的设置命令，为可穿戴设备在预设时间段内的小额支付总次数设置阈值，或为不同类型的小额支付分别设置对应的预设时间段和次数阈值。比如，设置可穿戴设备在1h内的小额支付总次数的阈值为5次，也可以设置可穿戴设备在1h内的网购支付次数的阈值为3次，在2h内的跨行转账次数的阈值为2次。
在上述任一技术方案中，优选地，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及所述支付方法还包括：当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
在该技术方案中，ESE(嵌入式安全元素)芯片可以设置在可穿戴设备上，取代相关技术中将ESE芯片设置在终端中的技术方案，降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。ESE芯片用于存储支付交易敏感信息，即更高安全等级的账户交易信息，如银行卡信息等，尤其适用于大额支付的应用场景。并且，ESE芯片可以与终端的多个系统中的专用的安全支付系统结合，由ESE芯片将相关交易信息发送至安全支付系统，安全支付系统再向交易平台服务器发送该相关交易信息，在交易平台服务器验证确认后，可直接扣款，并将交易结果反馈给安全支付系统，再由安全支付系统反馈至可穿戴设备。
在上述任一技术方案中，优选地，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
在该技术方案中，交易信息包括但不限于以下至少之一或其组合：交 易账号、交易金额、交易对象、交易时间，多种交易信息为用户提供了更多条件选择空间，比如，用户可以设置为当交易内容为日用品时，使用NFC芯片进行直接免密支付，当交易内容为电子产品时，选择ESE芯片进行安全支付。
本发明的第二方面提出了一种支付装置，用于可穿戴设备，所述可穿戴设备具有用于近场通信的NFC芯片，所述支付装置包括：支付请求获取单元，获取支付请求；支付额度判断单元，判断所述支付请求是否为小额支付；第一执行单元，若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
在该技术方案中，可以将NFC(近场通信)芯片设置在可穿戴设备中，取代相关技术中将NFC芯片设置在终端中的技术方案，具体来说，可以通过终端可以向NFC芯片内存储账户信息及对应的电子现金，这样，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
在上述技术方案中，优选地，所述支付额度判断单元具体用于：判断所述支付请求的金额是否小于或等于单次支付限额，和/或判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
在该技术方案中，首先，单次支付限额和/或单日支付限额可以由第三方设置，也可以由用户在终端或可穿戴设备中进行设置，如果支付请求的金额小于或等于单次支付限额，说明其支付额度有效，属于小额支付，如果支付请求的金额与当天的历史支付金额之和小于或等于单日支付限额，说明当日支付金额未超标，该支付请求属于小额支付。通过对小额支付的限制，可以提升使用可穿戴设备进行支付功能的安全性，保护用户的财产安全。
在上述任一技术方案中，优选地，还包括：支付次数记录单元，记录在预设时间段内的小额支付次数；检测单元，检测所述小额支付次数是否达到阈值；第二执行单元，若所述检测单元检测到所述小额支付次数达到 阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
在该技术方案中，还可以对小额支付的次数进行限制，由第三方或用户自行设置小额支付的次数的阈值，还可以对预设时间段内的小额支付的次数进行限制，第三方或用户可以自行设置预设时间段以及预设时间段内的小额支付的次数的阈值，在小额支付的次数达到阈值时，在预定时间段内的小额支付的次数达到阈值时，说明具有财产损失的风险，故此时可以禁止可穿戴设备的小额支付功能。比如，用户可以在手机上或与手机绑定的可穿戴设备上设置小额支付时的预设时间段为1h，并设置1h内小额支付的次数的阈值为5次，这样，可穿戴设备本身可以检测1h内刷公交卡或网购等小额支付的次数是否达到五次，如果达到五次，说明用户的可穿戴设备很可能丢失或被窃，频繁的支付行为有可能是他人使用该可穿戴设备进行刷公交卡或网购，故可以在此时自动禁止可穿戴设备的小额支付功能。同时，还可以发送提醒信息至与可穿戴设备绑定的移动终端，以及时通知用户，便于用户及时采取措施，从而保证支付安全，其中，提醒信息可以包括可穿戴设备的支付交易内容、可穿戴设备的实时位置等。另外，可以根据接收到的设置命令，为可穿戴设备在预设时间段内的小额支付总次数设置阈值，或为不同类型的小额支付分别设置对应的预设时间段和次数阈值。比如，设置可穿戴设备在1h内的小额支付总次数的阈值为5次，也可以设置可穿戴设备在1h内的网购支付次数的阈值为3次，在2h内的跨行转账次数的阈值为2次。
在上述任一技术方案中，优选地，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及所述支付装置还包括：通信连接建立单元，当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；敏感信息发送单元，发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
在该技术方案中，ESE(嵌入式安全元素)芯片可以设置在可穿戴设备上，取代相关技术中将ESE芯片设置在终端中的技术方案，降低了手机 硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。ESE芯片用于存储支付交易敏感信息，即更高安全等级的账户交易信息，如银行卡信息等，尤其适用于大额支付的应用场景。并且，ESE芯片可以与终端的多个系统中的专用的安全支付系统结合，由ESE芯片将相关交易信息发送至安全支付系统，安全支付系统再向交易平台服务器发送该相关交易信息，在交易平台服务器验证确认后，可直接扣款，并将交易结果反馈给安全支付系统，再由安全支付系统反馈至可穿戴设备。
在上述任一技术方案中，优选地，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
在该技术方案中，交易信息包括但不限于以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间，多种交易信息为用户提供了更多条件选择空间，比如，用户可以设置为当交易内容为日用品时，使用NFC芯片进行直接免密支付，当交易内容为电子产品时，选择ESE芯片进行安全支付。
本发明的再一方面提出了一种可穿戴设备，包括通信总线、输入装置、输出装置、存储器以及处理器，其中：
所述通信总线，用于实现所述输入装置、输出装置、存储器以及处理器之间的连接通信；
所述输入装置，用于获取支付请求；
所述输出装置，用于与NFC进行通信；
所述存储器中存储一组程序代码，且所述可穿戴设备调用所述存储器中存储的程序代码，用于执行以下操作：
所述输入装置获取支付请求；
所述处理器判断所述支付请求是否为小额支付；
若为小额支付，则所述输出装置通过所述NFC芯片发起免密支付交易，完成支付过程。
可选的，所述处理器判断所述支付请求是否为小额支付，具体包括：
所述处理器判断所述支付请求的金额是否小于或等于单次支付限额； 和/或
所述处理器判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
可选的，还包括：
所述处理器记录在预设时间段内的小额支付次数；
所述处理器检测所述小额支付次数是否达到阈值；
若达到阈值，则所述处理器禁止所述可穿戴设备的小额支付功能，所述输出装置发送提醒信息至与所述可穿戴设备绑定的移动终端。
可选的，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及
当判断所述支付请求不为小额支付时，所述处理器建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；
所述输出装置发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
可选的，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
通过以上技术方案，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
附图说明
图1示出了根据本发明的一个实施例的支付方法的流程图；
图2示出了根据本发明的一个实施例的支付装置的框图；
图3示出了根据本发明的一个实施例的可穿戴设备的框图；
图4示出了根据本发明的另一个实施例的支付方法的流程图；
图5示出了根据本发明的一个实施例的可穿戴设备与手机的交互示意图。
具体实施方式
为了能够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支付方法的流程图。
如图1所示，根据本发明的一个实施例的支付方法，用于可穿戴设备，所述可穿戴设备具有用于近场通信的NFC芯片，所述支付方法包括：
步骤102，获取支付请求；
步骤104，判断所述支付请求是否为小额支付；
步骤106，若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
在该技术方案中，可以将NFC(近场通信)芯片设置在可穿戴设备中，取代相关技术中将NFC芯片设置在终端中的技术方案，具体来说，可以通过终端可以向NFC芯片内存储账户信息及对应的电子现金，这样，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
在上述技术方案中，优选地，步骤104具体包括：判断所述支付请求的金额是否小于或等于单次支付限额；和/或判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
在该技术方案中，首先，单次支付限额和/或单日支付限额可以由第三方设置，也可以由用户在终端或可穿戴设备中进行设置，如果支付请求的金额小于或等于单次支付限额，说明其支付额度有效，属于小额支付，如果支付请求的金额与当天的历史支付金额之和小于或等于单日支付限额， 说明当日支付金额未超标，该支付请求属于小额支付。通过对小额支付的限制，可以提升使用可穿戴设备进行支付功能的安全性，保护用户的财产安全。
在上述任一技术方案中，优选地，还包括：记录在预设时间段内的小额支付次数；检测所述小额支付次数是否达到阈值；若达到阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
在该技术方案中，还可以对小额支付的次数进行限制，由第三方或用户自行设置小额支付的次数的阈值，还可以对预设时间段内的小额支付的次数进行限制，第三方或用户可以自行设置预设时间段以及预设时间段内的小额支付的次数的阈值，在小额支付的次数达到阈值时，在预定时间段内的小额支付的次数达到阈值时，说明具有财产损失的风险，故此时可以禁止可穿戴设备的小额支付功能。比如，用户可以在手机上或与手机绑定的可穿戴设备上设置小额支付时的预设时间段为1h，并设置1h内小额支付的次数的阈值为5次，这样，可穿戴设备本身可以检测1h内刷公交卡或网购等小额支付的次数是否达到五次，如果达到五次，说明用户的可穿戴设备很可能丢失或被窃，频繁的支付行为有可能是他人使用该可穿戴设备进行刷公交卡或网购，故可以在此时自动禁止可穿戴设备的小额支付功能。同时，还可以发送提醒信息至与可穿戴设备绑定的移动终端，以及时通知用户，便于用户及时采取措施，从而保证支付安全，其中，提醒信息可以包括可穿戴设备的支付交易内容、可穿戴设备的实时位置等。另外，可以根据接收到的设置命令，为可穿戴设备在预设时间段内的小额支付总次数设置阈值，或为不同类型的小额支付分别设置对应的预设时间段和次数阈值。比如，设置可穿戴设备在1h内的小额支付总次数的阈值为5次，也可以设置可穿戴设备在1h内的网购支付次数的阈值为3次，在2h内的跨行转账次数的阈值为2次。
在上述任一技术方案中，优选地，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及步骤106还包括：当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备 绑定的移动终端的通信连接；发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
在该技术方案中，ESE(嵌入式安全元素)芯片可以设置在可穿戴设备上，取代相关技术中将ESE芯片设置在终端中的技术方案，降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。ESE芯片用于存储支付交易敏感信息，即更高安全等级的账户交易信息，如银行卡信息等，尤其适用于大额支付的应用场景。并且，ESE芯片可以与终端的多个系统中的专用的安全支付系统结合，由ESE芯片将相关交易信息发送至安全支付系统，安全支付系统再向交易平台服务器发送该相关交易信息，在交易平台服务器验证确认后，可直接扣款，并将交易结果反馈给安全支付系统，再由安全支付系统反馈至可穿戴设备。
在上述任一技术方案中，优选地，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
在该技术方案中，交易信息包括但不限于以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间，多种交易信息为用户提供了更多条件选择空间，比如，用户可以设置为当交易内容为日用品时，使用NFC芯片进行直接免密支付，当交易内容为电子产品时，选择ESE芯片进行安全支付。
图2示出了根据本发明的一个实施例的支付装置的框图。
如图2所示，根据本发明的一个实施例的支付装置200用于可穿戴设备，所述可穿戴设备具有用于近场通信的NFC芯片，支付装置200包括：支付请求获取单元202、支付额度判断单元204和第一执行单元206。
其中，支付请求获取单元202用于获取支付请求；支付额度判断单元204用于判断所述支付请求是否为小额支付；第一执行单元206用于若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
在该技术方案中，可以将NFC(近场通信)芯片设置在可穿戴设备中，取代相关技术中将NFC芯片设置在终端中的技术方案，具体来说，可以通过终端可以向NFC芯片内存储账户信息及对应的电子现金，这样，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交 互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
在上述技术方案中，优选地，支付额度判断单元204具体用于：判断所述支付请求的金额是否小于或等于单次支付限额，和/或判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
在该技术方案中，首先，单次支付限额和/或单日支付限额可以由第三方设置，也可以由用户在终端或可穿戴设备中进行设置，如果支付请求的金额小于或等于单次支付限额，说明其支付额度有效，属于小额支付，如果支付请求的金额与当天的历史支付金额之和小于或等于单日支付限额，说明当日支付金额未超标，该支付请求属于小额支付。通过对小额支付的限制，可以提升使用可穿戴设备进行支付功能的安全性，保护用户的财产安全。
在上述任一技术方案中，优选地，还包括：支付次数记录单元208，记录在预设时间段内的小额支付次数；检测单元210，检测所述小额支付次数是否达到阈值；第二执行单元212，若所述检测单元检测到所述小额支付次数达到阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
在该技术方案中，还可以对小额支付的次数进行限制，由第三方或用户自行设置小额支付的次数的阈值，还可以对预设时间段内的小额支付的次数进行限制，第三方或用户可以自行设置预设时间段以及预设时间段内的小额支付的次数的阈值，在小额支付的次数达到阈值时，在预定时间段内的小额支付的次数达到阈值时，说明具有财产损失的风险，故此时可以禁止可穿戴设备的小额支付功能。比如，用户可以在手机上或与手机绑定的可穿戴设备上设置小额支付时的预设时间段为1h，并设置1h内小额支付的次数的阈值为5次，这样，可穿戴设备本身可以检测1h内刷公交卡或网购等小额支付的次数是否达到五次，如果达到五次，说明用户的可穿戴设备很可能丢失或被窃，频繁的支付行为有可能是他人使用该可穿戴设备进行刷公交卡或网购，故可以在此时自动禁止可穿戴设备的小额支付功能。 同时，还可以发送提醒信息至与可穿戴设备绑定的移动终端，以及时通知用户，便于用户及时采取措施，从而保证支付安全，其中，提醒信息可以包括可穿戴设备的支付交易内容、可穿戴设备的实时位置等。另外，可以根据接收到的设置命令，为可穿戴设备在预设时间段内的小额支付总次数设置阈值，或为不同类型的小额支付分别设置对应的预设时间段和次数阈值。比如，设置可穿戴设备在1h内的小额支付总次数的阈值为5次，也可以设置可穿戴设备在1h内的网购支付次数的阈值为3次，在2h内的跨行转账次数的阈值为2次。
在上述任一技术方案中，优选地，可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及支付装置200还包括：通信连接建立单元214，当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；敏感信息发送单元216，发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
在该技术方案中，ESE(嵌入式安全元素)芯片可以设置在可穿戴设备上，取代相关技术中将ESE芯片设置在终端中的技术方案，降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。ESE芯片用于存储支付交易敏感信息，即更高安全等级的账户交易信息，如银行卡信息等，尤其适用于大额支付的应用场景。并且，ESE芯片可以与终端的多个系统中的专用的安全支付系统结合，由ESE芯片将相关交易信息发送至安全支付系统，安全支付系统再向交易平台服务器发送该相关交易信息，在交易平台服务器验证确认后，可直接扣款，并将交易结果反馈给安全支付系统，再由安全支付系统反馈至可穿戴设备。
在上述任一技术方案中，优选地，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
在该技术方案中，交易信息包括但不限于以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间，多种交易信息为用户提供了更多条件选择空间，比如，用户可以设置为当交易内容为日用品时，使用NFC 芯片进行直接免密支付，当交易内容为电子产品时，选择ESE芯片进行安全支付。
图3示出了根据本发明的一个实施例的可穿戴设备的框图。
如图3所示，根据本发明的一个实施例的可穿戴设备，包括通信总线302、输入装置303、输出装置304、存储器305以及处理器301，其中：
所述通信总线302，用于实现所述输入装置303、输出装置304、存储器305以及处理器301之间的连接通信；
所述输入装置303，用于获取支付请求；
所述输出装置304，用于与NFC进行通信；
所述存储器305中存储一组程序代码，且所述可穿戴设备调用所述存储器305中存储的程序代码，用于执行以下操作：
所述输入装置303获取支付请求；
所述处理器301判断所述支付请求是否为小额支付；
若为小额支付，则所述输出装置304通过所述NFC芯片发起免密支付交易，完成支付过程。
可选的，所述处理器301判断所述支付请求是否为小额支付，具体包括：
所述处理器301判断所述支付请求的金额是否小于或等于单次支付限额；和/或
所述处理器301判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
可选的，处理器301还可以执行以下操作
所述处理器301记录在预设时间段内的小额支付次数；
所述处理器301检测所述小额支付次数是否达到阈值；
若达到阈值，则所述处理器301禁止所述可穿戴设备的小额支付功能，所述输出装置304发送提醒信息至与所述可穿戴设备绑定的移动终端。
可选的，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及
当判断所述支付请求不为小额支付时，所述处理器301建立所述可穿 戴设备及与所述可穿戴设备绑定的移动终端的通信连接；
所述输出装置304发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
可选的，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
图4示出了根据本发明的另一个实施例的支付方法的流程图。
如图4所示，根据本发明的另一个实施例的支付方法，包括：
步骤402，可穿戴设备发起支付请求。
步骤404，判断是否为大额联机支付，当判断结果为是时，进入步骤406，否则，进入步骤408。
步骤406，与手机的安全系统连接通信，将交易帐户、密码和金额等敏感信息传递到手机的安全系统。
步骤408，确定为小额支付。
步骤410，手机的安全系统内启用虚拟专用网络，将可穿戴设备传递的敏感信息发送到交易平台服务器确认。
步骤412，交易平台服务器验证通过后确认扣款并反馈交易结果。
步骤414，通过NFC芯片及其天线与外部交易设备通信，进行免密支付。
步骤416，交易平台服务器验证通过后确认扣款并反馈交易结果。
图5示出了根据本发明的一个实施例的可穿戴设备与手机的交互示意图。
如图5所示，手机500具有安全支付系统502和其他系统505，其中，ESE芯片6044连接至安全支付系统502，由ESE芯片6044将相关交易信息发送至安全支付系统502，安全支付系统502再向交易平台服务器发送该相关交易信息，在交易平台服务器验证确认后，可直接扣款，并将交易结果反馈给安全支付系统502，再由安全支付系统502反馈至可穿戴设备。ESE芯片也可以设置在可穿戴设备上，取代相关技术中将ESE芯片设置在终端中的技术方案，降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
而可穿戴设备600的支付模块604还包括NFC芯片6042，NFC芯片6042连接至控制器602，用于通过天线与外部交易设备进行近场通信，以向外部交易设备支付电子现金。降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。可以将NFC芯片设置在可穿戴设备中，取代相关技术中将NFC芯片设置在终端中的技术方案，降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
以上结合附图详细说明了本发明的技术方案，通过本发明的技术方案，在判断支付请求为小额支付时，可穿戴设备可以直接通过天线与外设支付设备交互，扣除可穿戴设备内的电子现金，实现了免密支付，提升了移动支付的便利性，同时，也降低了手机硬件的复杂度，为可穿戴设备实现了单独进行移动支付的功能，提升了移动支付的便利性及可穿戴设备的实用性。
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. 一种支付方法，用于可穿戴设备，其特征在于，所述可穿戴设备具有用于近场通信的NFC芯片，所述支付方法包括：
    获取支付请求；
    判断所述支付请求是否为小额支付；
    若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
  2. 根据权利要求1所述的支付方法，其特征在于，所述判断所述支付请求是否为小额支付，具体包括：
    判断所述支付请求的金额是否小于或等于单次支付限额；和/或
    判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
  3. 根据权利要求2所述的支付方法，其特征在于，还包括：
    记录在预设时间段内的小额支付次数；
    检测所述小额支付次数是否达到阈值；
    若达到阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
  4. 根据权利要求1至3中任一项所述的支付方法，其特征在于，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及
    所述支付方法还包括：
    当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；
    发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
  5. 根据权利要求4所述的支付方法，其特征在于，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
  6. 一种支付装置，用于可穿戴设备，其特征在于，所述可穿戴设备具有用于近场通信的NFC芯片，所述支付装置包括：
    支付请求获取单元，获取支付请求；
    支付额度判断单元，判断所述支付请求是否为小额支付；
    第一执行单元，若为小额支付，则通过所述NFC芯片发起免密支付交易，完成支付过程。
  7. 根据权利要求6所述的支付装置，其特征在于，所述支付额度判断单元具体用于：
    判断所述支付请求的金额是否小于或等于单次支付限额，和/或判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
  8. 根据权利要求7所述的支付装置，其特征在于，还包括：
    支付次数记录单元，记录在预设时间段内的小额支付次数；
    检测单元，检测所述小额支付次数是否达到阈值；
    第二执行单元，若所述检测单元检测到所述小额支付次数达到阈值，则禁止所述可穿戴设备的小额支付功能，并发送提醒信息至与所述可穿戴设备绑定的移动终端。
  9. 根据权利要求6至8中任一项所述的支付装置，其特征在于，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及
    所述支付装置还包括：
    通信连接建立单元，当判断所述支付请求不为小额支付时，建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；
    敏感信息发送单元，发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
  10. 根据权利要求9所述的支付装置，其特征在于，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
  11. 一种可穿戴设备，其特征在于，包括通信总线、输入装置、输出装 置、存储器以及处理器，其中：
    所述通信总线，用于实现所述输入装置、输出装置、存储器以及处理器之间的连接通信；
    所述输入装置，用于获取支付请求；
    所述输出装置，用于与NFC进行通信；
    所述存储器中存储一组程序代码，且所述可穿戴设备调用所述存储器中存储的程序代码，用于执行以下操作：
    所述输入装置获取支付请求；
    所述处理器判断所述支付请求是否为小额支付；
    若为小额支付，则所述输出装置通过所述NFC芯片发起免密支付交易，完成支付过程。
  12. 根据权利要求11所述的可穿戴设备，其特征在于，所述处理器判断所述支付请求是否为小额支付，具体包括：
    所述处理器判断所述支付请求的金额是否小于或等于单次支付限额；和/或
    所述处理器判断所述支付请求的金额与当天的历史支付金额之和是否小于或等于单日支付限额。
  13. 根据权利要求12所述的可穿戴设备，其特征在于，还包括：
    所述处理器记录在预设时间段内的小额支付次数；
    所述处理器检测所述小额支付次数是否达到阈值；
    若达到阈值，则所述处理器禁止所述可穿戴设备的小额支付功能，所述输出装置发送提醒信息至与所述可穿戴设备绑定的移动终端。
  14. 根据权利要求11至13中任一项所述的可穿戴设备，其特征在于，所述可穿戴设备还具有ESE芯片，所述ESE芯片用于存储支付交易敏感信息，以及
    当判断所述支付请求不为小额支付时，所述处理器建立所述可穿戴设备及与所述可穿戴设备绑定的移动终端的通信连接；
    所述输出装置发送所述支付交易敏感信息至所述移动终端的安全系统，以供所述安全系统完成支付交易。
  15. 根据权利要求14所述的可穿戴设备，其特征在于，所述支付交易敏感信息包括以下至少之一或其组合：交易账号、交易金额、交易对象、交易时间。
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