WO2017128516A1 - 一种nfc支付方式的选择方法、装置和终端 - Google Patents

一种nfc支付方式的选择方法、装置和终端 Download PDF

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Publication number
WO2017128516A1
WO2017128516A1 PCT/CN2016/078007 CN2016078007W WO2017128516A1 WO 2017128516 A1 WO2017128516 A1 WO 2017128516A1 CN 2016078007 W CN2016078007 W CN 2016078007W WO 2017128516 A1 WO2017128516 A1 WO 2017128516A1
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nfc payment
card
nfc
payment method
user
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PCT/CN2016/078007
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English (en)
French (fr)
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张子敬
朱孟波
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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 WO2017128516A1 publication Critical patent/WO2017128516A1/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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a method, an apparatus, and a terminal for selecting an NFC payment method.
  • NFC payment refers to the fact that when consumers purchase goods or services, they use NFC technology (Near Field Communication) to complete payment through handheld devices such as mobile phones. It is an emerging mobile payment method. The payment process is performed on-site and performed offline, without the need to use a mobile network, but using NFC RF channels for local communication with devices such as POS cash registers or vending machines.
  • the existing NFC payment methods include an HFC-based NFC payment method and an SE-based NFC payment method.
  • SE Secure Element
  • the security module also communicates with external read/write devices through a non-connected front end to achieve data storage and transaction security.
  • the traditional SE solution needs to provide a security module SE, which provides secure storage of sensitive information and provides a secure execution environment for transaction transactions.
  • the SE can be integrated into a SIM card, an SD card or a mobile phone chip.
  • HCE host-based card emulation
  • NFC-enabled mobile phone card simulation is performed without the need to provide SE. Instead, an SE application running in the mobile phone or a cloud server performs the function of the SE. At this time, the data received by the NFC chip is sent by the operating system or sent to the system. The application in the mobile phone, or the server sent to the cloud through the mobile network to complete the interaction.
  • the existing Android 4.4 introduces support for HCE, that is, it can simulate various cards with the APP application on the host to realize the function of the host card simulation.
  • Android is also compatible, that is, other SE-based analog card technologies can also be used on Android phones using HCE technology, and vice versa.
  • HCE technology or NFC terminal before Android4.4 can pass Upgrade the version to Android4.4 or above to support HCE host card emulation technology. Therefore, there will be NFC terminals compatible with HCE and traditional SE solutions on the market.
  • the compatibility between the traditional SE and the HCE is based on an AID routing principle, that is, the NFC controller internally stores a routing table, and the entries are composed of AIDs and The destination address consists of either the host (where the application is running) or the security module (SE) connected to it.
  • SE security module
  • the existing solution implements the compatibility between the traditional SE and HCE schemes through the AID routing table in the NFC controller, but when the same type of card application (such as a financial card) is deployed in both the traditional SE and the HCE, there is a problem of selection. .
  • the default card application is set as the consumption card in advance, and if the mode of the default consumer card application can be changed, the operation mode is cumbersome and the user experience is poor.
  • the object of the present invention is to provide a method for selecting an NFC payment method, which aims to solve the problem that the existing route switching for mobile payment can only be realized by modifying the default consumption card, the operation mode is cumbersome, and the user experience is poor.
  • the present invention provides a method for selecting an NFC payment method, including:
  • the first card is selected for payment.
  • the enabled state of the card corresponding to the NFC payment mode selected by the user Set to available states including:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the method further includes:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the receiving, by the user, the second instruction that the user selects the first card from the available status card for payment comprises:
  • the manner in which the user inputs the first instruction is a key input, and the key is any one of a physical key, a virtual key, and a floating key of the terminal.
  • the invention also provides an apparatus for selecting an NFC payment method, comprising:
  • a first receiving module configured to receive a first instruction for selecting an NFC payment mode, where the NFC payment method includes an HFC-based NFC payment method or an SE-based NFC payment method;
  • a configuration module configured to set an enabled state of a card corresponding to the NFC payment mode selected by the user to an available state
  • a second receiving module configured to receive a second instruction that the user selects a first card from the available state card for payment
  • a selection module configured to select the first card to perform payment according to the second instruction.
  • the configuration module is specifically configured to:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the configuration module is further configured to:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the second receiving module includes:
  • a retrieval unit for retrieving a card whose enabled state is available
  • a selection unit configured to receive a second instruction that the user selects a first card from the available status cards for payment.
  • the manner in which the user inputs the first instruction is a key input, and the key is any one of a physical key, a virtual key, and a floating key of the terminal.
  • the present invention also provides a terminal, comprising the selection device of the NFC payment method according to any of the above technical solutions.
  • the method, device, and terminal for selecting an NFC payment method receive a first instruction for selecting an NFC payment method input by a user, including an HFC-based NFC payment method or an SE-based NFC payment method; and selecting a user-selected NFC
  • the enabled state of the card corresponding to the payment method is set to an available state; receiving a second instruction that the user selects the first card from the available card for payment; and according to the second instruction, selecting the first card for payment.
  • the method, device and terminal for selecting the NFC payment method provided by the invention dynamically switch the manner of NFC mobile payment by detecting the trigger of the physical button, which is more convenient and greatly improves the user experience.
  • FIG. 1 is a flowchart of a specific implementation manner of a method for selecting an NFC payment method according to the present invention
  • FIG. 2 is a flowchart of implementing an NFC discovery process in another specific implementation manner of a method for selecting an NFC payment method according to the present invention
  • FIG. 3 is a structural block diagram of a specific implementation manner of an apparatus for selecting an NFC payment method according to the present invention
  • FIG. 4 is a structural block diagram of an NFC terminal provided by the present invention.
  • FIG. 1 A flowchart of a specific implementation manner of a method for selecting an NFC payment method provided by the present invention is shown in FIG. 1 , and the method includes:
  • Step S101 Receive a first instruction for selecting an NFC payment mode input by the user, where the NFC payment method includes an HFC-based NFC payment method or an SE-based NFC payment method;
  • the manner in which the user inputs the first instruction may be any one or more of a button, a fingerprint, and a voice.
  • the button used may be a physical button, which may be a physical button of an existing terminal, or may be a multiplexing of multiple physical buttons, such as a Power button, a volume up and down button, and a combination of keys, and of course, a virtual button. Either any of the floating keys, such as a cool key, does not affect the implementation of the present invention.
  • the invention divides the payment routing method into an HFC-based NFC payment method and an SE-based NFC payment method.
  • the SE-based NFC payment method may further include SIM and SD.
  • Step S102 setting an enabled state of the card corresponding to the NFC payment mode selected by the user to an available state
  • Step S103 Receive a second instruction that the user selects a first card from the available status cards for payment;
  • Step S104 Select the first card to perform payment according to the second instruction.
  • the method for selecting an NFC payment method provided by the present invention receives a user input
  • the first instruction of the NFC payment method is selected, including an HFC-based NFC payment method or an SE-based NFC payment method; setting an enable state of the card corresponding to the NFC payment mode selected by the user to an available state; and receiving a card from the available state of the user Selecting a first instruction for payment by the first card; and selecting the first card for payment according to the second instruction.
  • the method, device and terminal for selecting the NFC payment method provided by the invention dynamically switch the manner of NFC mobile payment by detecting the trigger of the physical button, which is more convenient and greatly improves the user experience.
  • the method for selecting the NFC payment method provided by the present invention may receive the first instruction of the NFC payment mode that is input by the user.
  • the triggering instruction input by the user by the same button is received, and the current mobile payment method is determined according to the preset sequence in accordance with the number of times of the button.
  • the user needs to set a physical button to control the NFC route switching function. After the function is enabled, the user can perform NFC route switching through the physical button.
  • the number of buttons is one, it can be switched by the number of times the button is clicked. For example, when you click for the first time, switch to the SE-based NFC payment method; when you click for the second time, switch to the HFC-based NFC payment method; when you click for the third time, switch to the SE-based NFC payment method...
  • the terminals may be sequentially clicked for switching.
  • the method after receiving the first instruction of the selected NFC payment mode input by the user, the method further includes:
  • the current mobile payment method is displayed on the terminal interface.
  • the setting of the enabled state of the card corresponding to the NFC payment mode selected by the user to the available state in step S102 may be specifically: addressing the NFC controller to the NFC payment mode selected by the user.
  • the card sets the enabled state of the card corresponding to the NFC payment method selected by the user to an available state.
  • the method may further include: a card corresponding to the unselected NFC payment mode.
  • the enabled state of the slice is set to disabled.
  • the card can be retrieved by the enabled state to be available; the receiving user is from the available state The second instruction of selecting the first card for payment in the card.
  • the card corresponding to the NFC payment method selected by the user may be determined by addressing through a pre-established routing table.
  • an AID routing table may be created in the NFC controller according to the payment application installed and downloaded by the user, where the storage location, the routing destination, and the enabled state information of each application are stored, as shown in a specific implementation manner in Table 1.
  • Table 1 The table shows. In the table, the user deployed 4 card applications, 1 and 4 were deployed on the HCE, and 2 and 3 were deployed on the SIM card.
  • the NFC controller When receiving a trigger command from the plurality of mobile payment methods that is input by the user as the current mobile payment mode, the NFC controller addresses the card corresponding to the payment mode selected by the user.
  • the routing table is specifically used to search.
  • the routing destination of the NFC controller is configured to be the routing destination corresponding to the mobile payment mode.
  • the system configures the routing purpose of the NFC controller as a SIM card, and after successful, modifies the AID routing table, and sets the enable status of the card application of 2 and 3 to "Enable”. ", the card application of 1 and 4 is modified to "Disable”. This way when making mobile payments, NFC's discovery process will only be responded to in the "Enable” state.
  • the flow chart of the implementation of the NFC discovery process is shown in Figure 2.
  • the process includes:
  • Step S201 The NFC controller receives the discovery request of the external card reader
  • Step S202 Retrieving from the AID routing table whether there is a card application whose card status is "Enable”; if yes, proceeding to step S203; if not, proceeding to step S204;
  • Step S203 The AID of the card application in the "Enable” state is sent to the external reader/writer, and the subsequent transaction is routed to the card application corresponding to the payment method SE to complete the payment;
  • Step S204 End.
  • the method for controlling an NFC routing policy by a physical button is provided by the embodiment of the present invention, which mainly switches the routing policy of the NFC mobile payment by detecting the trigger of the physical button, such as the SE-based NFC payment method and the HCE-based NFC payment method. Switch back and forth.
  • the selection device of the NFC payment method provided by the embodiment of the present invention is described below.
  • the selection device of the NFC payment method described below and the selection method of the NFC payment method described above can refer to each other.
  • FIG. 3 is a structural block diagram of a device for selecting an NFC payment method according to an embodiment of the present invention.
  • the device for selecting a NFC payment method according to FIG. 3 may include:
  • the first receiving module 100 is configured to receive, by the user, a first instruction for selecting an NFC payment mode, where the NFC payment mode includes an HFC-based NFC payment method or an SE-based NFC payment mode;
  • the configuration module 200 is configured to set an enabled state of the card corresponding to the NFC payment mode selected by the user to an available state;
  • a second receiving module 300 configured to receive a second instruction that the user selects a first card from the available status cards for payment
  • the selecting module 400 is configured to select the first card to perform payment according to the second instruction.
  • the central configuration module 200 can be specifically configured to:
  • the NFC controller is addressed to the card corresponding to the NFC payment mode selected by the user, and the enabled state of the card corresponding to the NFC payment mode selected by the user is set to an available state.
  • the foregoing configuration module 200 can also be used to:
  • the enabled state of the card corresponding to the unselected NFC payment method is set to the disabled state.
  • the second receiving module 300 in the selecting device of the NFC payment method provided by the present invention may specifically include:
  • a retrieval unit for retrieving a card whose enabled state is available
  • a selection unit configured to receive a second instruction that the user selects a first card from the available status cards for payment.
  • the user inputs the first instruction by using a button input
  • the button may be any one of a physical button, a virtual button and a floating button of the terminal.
  • the apparatus for selecting an NFC payment method receives a first instruction for selecting an NFC payment method input by a user, including an HFC-based NFC payment method or an SE-based NFC payment method; and correspondingly selecting a NFC payment method selected by the user
  • the enabled state of the card is set to an available state; receiving a second instruction that the user selects the first card from the available card for payment; and according to the second instruction, selecting the first card for payment.
  • the NFC payment method selection device provided by the invention dynamically switches the NFC mobile payment mode by detecting the trigger of the physical button, and the operation is more convenient, thereby greatly improving the user experience.
  • the present invention also provides a terminal 500, comprising the NFC payment method selection device according to any of the above technical solutions.
  • the steps of a method or algorithm described in connection with the embodiments disclosed herein can be implemented directly in hardware, a software module executed by a processor, or a combination of both.
  • the software module can be placed in random access memory (RAM), memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or technical field. Any other form of storage medium known.

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Abstract

一种NFC支付方式的选择方法、装置和终端，该方法包括：接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式（S101）；将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态（S102）；接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令（S103）；根据所述第二指令，选择所述第一卡片进行支付（S104）。所提供的NFC支付方式的选择方法、装置和终端，通过检测实体按键的触发动态切换NFC移动支付的方式，操作更加方便，大大提升了用户的使用体验。

Description

一种NFC支付方式的选择方法、装置和终端 技术领域
本发明涉及移动支付技术领域，特别是涉及一种NFC支付方式的选择方法、装置和终端。
背景技术
NFC支付是指消费者在购买商品或服务时，即时采用NFC技术(Near Field Communication)通过手机等手持设备完成支付，是新兴的一种移动支付方式。支付的处理在现场进行，并且在线下进行，不需要使用移动网络，而是使用NFC射频通道实现与POS收款机或自动售货机等设备的本地通讯。现有的NFC支付方式包括基于HCE的NFC支付方式以及基于SE的NFC支付方式。
SE(Security Element)即安全模块，主要用于存储NFC应用和用户敏感数据以及实现安全密钥运算的芯片模块；它是NFC卡模拟的核心。安全模块还通过非接前端与外部读写设备进行通信，实现数据存储及交易过程的安全性。传统SE方案需要提供安全模块SE，SE提供对敏感信息的安全存储和对交易事务提供一个安全的执行环境，SE可以集成到SIM卡、SD卡或手机芯片中。
HCE(host-based card emulation)即基于主机的卡模拟。在一部配备NFC功能的手机实现卡模拟，不需要提供SE，而是由在手机中运行的一个应用或云端的服务器完成SE的功能，此时NFC芯片接收到的数据由操作系统或发送至手机中的应用，或通过移动网络发送至云端的服务器来完成交互。
现有Android4.4中引入了对HCE的支持，即可以在主机上用APP应用程序模拟出各种卡片，实现主机卡模拟的功能。当然，对于其他的传统SE模拟卡技术，Android也是兼容的，即其他的基于SE的模拟卡技术也可以在使用HCE技术的Android手机上使用，反之亦可。只要系统支持HCE技术，或者Android4.4之前版本的NFC终端可通 过版本升级到Android4.4以上来支持HCE的主机卡模拟技术。因此市场上会存在兼容HCE和传统SE方案的NFC终端。
在现有的兼容传统SE和HCE方案的NFC终端中，对传统SE和HCE的这种兼容是建立在一个AID路由原则之上的，即NFC控制器内部保存一个路由表，表项由AID和目标地址组成，目标地址既可以是主机(应用程序运行的地方)，也可以是与之相连的安全模块(SE)。当NFC读卡器发送了一个“SELECT AID”的APDU时，NFC控制器解析出其中的AID并在路由表中检索，路由表中有相应匹配时将此APDU送至相应的目标地址。
现有方案通过NFC控制器中的AID路由表来实现传统SE和HCE方案的兼容，但对于传统SE和HCE均部署同种类型的卡片应用(如金融卡)时，就会存在一个选择的问题。现有方案中是通过提前设置默认卡片应用为消费卡的方式来实现的，如果需要切换只能修改默认消费卡片应用的方式，操作方式繁琐、用户体验差。
发明内容
本发明的目的是提供一种NFC支付方式的选择方法，目的在于解决现有对移动支付的路由切换只能通过修改默认消费卡片的方式实现，操作方式繁琐、用户体验较差的问题。
为解决上述技术问题，本发明提供一种NFC支付方式的选择方法，包括：
接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
根据所述第二指令，选择所述第一卡片进行支付。
可选地，所述将用户选择的NFC支付方式对应的卡片的使能状态 设置为可用状态包括：
将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
可选地，所述将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态后，还包括：
将未选择的NFC支付方式对应的卡片的使能状态设置为禁用状态。
可选地，所述接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令包括：
检索到使能状态为可用状态的卡片；
接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
可选地，用户输入所述第一指令的方式为按键输入，所述按键为终端的物理按键、虚拟按键和悬浮按键的任一种。
本发明还提供了一种NFC支付方式的选择装置，包括：
第一接收模块，用于接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
配置模块，用于将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
第二接收模块，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
选择模块，用于根据所述第二指令，选择所述第一卡片进行支付。
可选地，所述配置模块具体用于：
将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
可选地，所述配置模块还用于：
将未选择的NFC支付方式对应的卡片的使能状态设置为禁用状态。
可选地，所述第二接收模块包括：
检索单元，用于检索到使能状态为可用状态的卡片；
选择单元，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
可选地，用户输入所述第一指令的方式为按键输入，所述按键为终端的物理按键、虚拟按键和悬浮按键的任一种。
本发明还提供了一种终端，包括如上述任一技术方案所述的NFC支付方式的选择装置。
本发明所提供的NFC支付方式的选择方法、装置和终端，通过接收用户输入的选择NFC支付方式的第一指令，包括基于HCE的NFC支付方式或基于SE的NFC支付方式；将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；接收用户从可用状态的卡片中选择第一卡片进行支付的第二指令；根据第二指令，选择第一卡片进行支付。本发明所提供的NFC支付方式的选择方法、装置和终端，通过检测实体按键的触发动态切换NFC移动支付的方式，操作更加方便，大大提升了用户的使用体验。
附图说明
为了更清楚的说明本发明实施例或现有技术的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单的介绍，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。
图1为本发明所提供的NFC支付方式的选择方法的一种具体实施方式的流程图；
图2为本发明所提供的NFC支付方式的选择方法的另一种具体实施方式中NFC发现过程的实现流程图；
图3为本发明所提供的NFC支付方式的选择装置的一种具体实施方式的结构框图；
图4为本发明所提供的一个NFC终端的结构框图。
具体实施方式
为了使本技术领域的人员更好地理解本发明方案，下面结合附图和具体实施方式对本发明作进一步的详细说明。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做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。
本发明所提供的NFC支付方式的选择方法的一种具体实施方式的流程图如图1所示，该方法包括：
步骤S101：接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
需要指出的是，本发明中用户输入第一指令的方式可以为按键、指纹、语音中的任一种或多种。采用的按键可以为实体按键，其具体可以为现有终端的一个物理按键，也可以为多个物理按键的复用，如Power键、音量上下键以及各键的组合，当然还可以为虚拟按键或悬浮按键的任一种，如酷键等，这均不影响本发明的实现。
本发明将支付的路由方式分为基于HCE的NFC支付方式和基于SE的NFC支付方式。其中，基于SE的NFC支付方式又可以进一步包括SIM以及SD两种方式。
步骤S102：将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
步骤S103：接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
步骤S104：根据所述第二指令，选择所述第一卡片进行支付。
本发明所提供的NFC支付方式的选择方法，通过接收用户输入的 选择NFC支付方式的第一指令，包括基于HCE的NFC支付方式或基于SE的NFC支付方式；将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；接收用户从可用状态的卡片中选择第一卡片进行支付的第二指令；根据第二指令，选择第一卡片进行支付。本发明所提供的NFC支付方式的选择方法、装置和终端，通过检测实体按键的触发动态切换NFC移动支付的方式，操作更加方便，大大提升了用户的使用体验。
在上述实施例的基础上，本发明所提供的NFC支付方式的选择方法接收用户输入的选择NFC支付方式的第一指令可以具体为：
接收用户由同一按键输入的触发指令，根据按键的次数按照预设顺序确定当前移动支付方式。
在本实施例中，用户需要设置实体按键控制NFC路由切换的功能，该功能使能后，用户可以通过该实体按键进行NFC路由切换。当按键的数量为一个时，可以通过单击该按键的次数进行切换。如第一次单击时，切换至基于SE的NFC支付方式；第二次单击时，切换至基于HCE的NFC支付方式；第三次单击时，切换至基于SE的NFC支付方式……进一步地，当终端配置有超过两种支付方式时，可顺序单击进行切换。
本实施例中，在接收用户输入的选择NFC支付方式的第一指令之后还可以进一步包括：
在终端界面显示当前移动支付方式。
在上述任一实施例的基础上，步骤S102中将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态可以具体为：将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
进一步地，在将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态后，还可以包括：将未选择的NFC支付方式对应的卡 片的使能状态设置为禁用状态。
在当接收到用户从可用状态的卡片中选择第一卡片进行支付的第二指令时，作为一种具体实施方式，可以通过检索到使能状态为可用状态的卡片；接收用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
作为一个具体实施例，可以通过预先建立的路由表进行寻址，确定用户选择的NFC支付方式对应的卡片。具体地，可在NFC控制器中根据用户下载安装的支付应用创建一张AID路由表，用于存储各应用的存储位置、路由目的以及使能状态信息，如表1一种具体实施方式的路由表所示。表中举例用户部署了4张卡片应用，1和4部署在HCE上，2和3部署在SIM卡上。
表1
AID标识 路由目的 使能状态
1 HCE Enable/Disable
2 SIM Enable/Disable
3 SIM Enable/Disable
4 HCE Enable/Disable
下面结合表1对本发明所提供的NFC支付方式的选择方法的另一种具体实施方式的实施过程进行进一步详细描述。当接收用户输入的从多种移动支付方式中选择其一作为当前移动支付方式的触发指令，NFC控制器寻址到用户选择的支付方式对应的卡片，本实施例中具体通过上述路由表进行寻址，将NFC控制器的路由目的配置成该移动支付方式对应的路由目的，配置成功后将AID路由表中属于该移动支付方式的卡片应用的使能状态修改为可用状态，即将表1中使能状态修改为“Enable”，其他卡片则设置为“Disable”。例如当用户点击按键切换至SWP-SIM支付方式时，系统将NFC控制器的路由目的配置成SIM卡，成功后会修改AID路由表，将2和3的卡片应用的使能状态设为“Enable”，1和4的卡片应用修改为“Disable”。这样在进行移动支付时， NFC的发现过程仅有处于“Enable”状态的卡片才会被响应。具体在NFC发现过程的实现流程图如图2所示。
该过程包括：
步骤S201：NFC控制器接收外部读卡器的发现请求；
步骤S202：从AID路由表中检索是否存在卡片状态为“Enable”的卡片应用；如果是，则进入步骤S203；如果否，则进入步骤S204；
步骤S203：将处于“Enable”状态的卡片应用的AID响应给外部读写器，将后续交易路由到对应支付方式SE的卡片应用中完成支付；
步骤S204：结束。
本发明实施例所提供的通过实体按键控制NFC路由选择策略的方法，主要通过检测实体按键的触发动态切换NFC移动支付的路由策略，如在基于SE的NFC支付方式和基于HCE的NFC支付方式之间来回切换。
下面对本发明实施例提供的NFC支付方式的选择装置进行介绍，下文描述的NFC支付方式的选择装置与上文描述的NFC支付方式的选择方法可相互对应参照。
图3为本发明实施例提供的NFC支付方式的选择装置的结构框图，参照图3NFC支付方式的选择装置可以包括：
第一接收模块100，用于接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
配置模块200，用于将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
第二接收模块300，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
选择模块400，用于根据所述第二指令，选择所述第一卡片进行支付。
作为一种具体实施方式，本发明所提供的NFC支付方式的选择装 置中配置模块200可以具体用于：
将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
进一步地，上述配置模块200还可以用于：
将未选择的NFC支付方式对应的卡片的使能状态设置为禁用状态。
作为一种具体实施方式，本发明所提供的NFC支付方式的选择装置中第二接收模块300可以具体包括：
检索单元，用于检索到使能状态为可用状态的卡片；
选择单元，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
作为一种具体实施方式，本发明所提供的NFC支付方式的选择装置中用户输入所述第一指令的方式为按键输入，按键可以为终端的物理按键、虚拟按键和悬浮按键的任一种。
本发明所提供的NFC支付方式的选择装置，通过接收用户输入的选择NFC支付方式的第一指令，包括基于HCE的NFC支付方式或基于SE的NFC支付方式；将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；接收用户从可用状态的卡片中选择第一卡片进行支付的第二指令；根据第二指令，选择第一卡片进行支付。本发明所提供的NFC支付方式的选择装置，通过检测实体按键的触发动态切换NFC移动支付的方式，操作更加方便，大大提升了用户的使用体验。
图4为本发明的一个实施例提供的终端。本发明还提供了一种终端500，包括如上述任一技术方案所述的NFC支付方式的选择装置。
本说明书中各个实施例采用递进的方式描述，每个实施例重点说明的都是与其它实施例的不同之处，各个实施例之间相同或相似部分互相参见即可。对于实施例公开的装置而言，由于其与实施例公开的 方法相对应，所以描述的比较简单，相关之处参见方法部分说明即可。
专业人员还可以进一步意识到，结合本文中所公开的实施例描述的各示例的单元及算法步骤，能够以电子硬件、计算机软件或者二者的结合来实现，为了清楚地说明硬件和软件的可互换性，在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。这些功能究竟以硬件还是软件方式来执行，取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能，但是这种实现不应认为超出本发明的范围。
结合本文中所公开的实施例描述的方法或算法的步骤可以直接用硬件、处理器执行的软件模块，或者二者的结合来实施。软件模块可以置于随机存储器(RAM)、内存、只读存储器(ROM)、电可编程ROM、电可擦除可编程ROM、寄存器、硬盘、可移动磁盘、CD-ROM、或技术领域内所公知的任意其它形式的存储介质中。
以上对本发明所提供的NFC支付方式的选择方法以及装置进行了详细介绍。本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想。应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明原理的前提下，还可以对本发明进行若干改进和修饰，这些改进和修饰也落入本发明权利要求的保护范围内。

Claims (11)

  1. 一种NFC支付方式的选择方法，其特征在于，包括：
    接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
    将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
    接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
    根据所述第二指令，选择所述第一卡片进行支付。
  2. 如权利要求1所述的NFC支付方式的选择方法，其特征在于，所述将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态包括：
    将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
  3. 如权利要求2所述的NFC支付方式的选择方法，其特征在于，所述将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态后，还包括：
    将未选择的NFC支付方式对应的卡片的使能状态设置为禁用状态。
  4. 如权利要求2或3所述的NFC支付方式的选择方法，其特征在于，所述接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令包括：
    检索到使能状态为可用状态的卡片；
    接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
  5. 如权利要求4所述的NFC支付方式的选择方法，其特征在于，用户输入所述第一指令的方式为按键输入，所述按键为终端的物理按键、虚拟按键和悬浮按键的任一种。
  6. 一种NFC支付方式的选择装置，其特征在于，包括：
    第一接收模块，用于接收用户输入的选择NFC支付方式的第一指令，所述NFC支付方式包括基于HCE的NFC支付方式或基于SE的NFC支付方式；
    配置模块，用于将用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态；
    第二接收模块，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令；
    选择模块，用于根据所述第二指令，选择所述第一卡片进行支付。
  7. 如权利要求6所述的NFC支付方式的选择装置，其特征在于，所述配置模块具体用于：
    将NFC控制器寻址到用户选择的NFC支付方式对应的卡片，将所述用户选择的NFC支付方式对应的卡片的使能状态设置为可用状态。
  8. 如权利要求7所述的NFC支付方式的选择装置，其特征在于，所述配置模块还用于：
    将未选择的NFC支付方式对应的卡片的使能状态设置为禁用状态。
  9. 如权利要求7或8所述的NFC支付方式的选择装置，其特征在于，所述第二接收模块包括：
    检索单元，用于检索到使能状态为可用状态的卡片；
    选择单元，用于接收所述用户从所述可用状态的卡片中选择第一卡片进行支付的第二指令。
  10. 如权利要求9所述的NFC支付方式的选择装置，其特征在于，用户输入所述第一指令的方式为按键输入，所述按键为终端的物理按键、虚拟按键和悬浮按键的任一种。
  11. 一种终端，其特征在于，包括如权利要求6至10中任一项所述的NFC支付方式的选择装置。
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