WO2017219271A1 - 支付切换方法及装置 - Google Patents

支付切换方法及装置 Download PDF

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Publication number
WO2017219271A1
WO2017219271A1 PCT/CN2016/086692 CN2016086692W WO2017219271A1 WO 2017219271 A1 WO2017219271 A1 WO 2017219271A1 CN 2016086692 W CN2016086692 W CN 2016086692W WO 2017219271 A1 WO2017219271 A1 WO 2017219271A1
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WO
WIPO (PCT)
Prior art keywords
payment
virtual card
terminal
account information
mode
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PCT/CN2016/086692
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English (en)
French (fr)
Inventor
张旭
程雨
刘静
Original Assignee
北京小米移动软件有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 北京小米移动软件有限公司 filed Critical 北京小米移动软件有限公司
Priority to CN201680000678.7A priority Critical patent/CN106170808A/zh
Priority to PCT/CN2016/086692 priority patent/WO2017219271A1/zh
Priority to EP17176703.1A priority patent/EP3261039A1/en
Priority to US15/628,977 priority patent/US11403620B2/en
Publication of WO2017219271A1 publication Critical patent/WO2017219271A1/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
    • G06Q20/351—Virtual 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
    • G06F3/0482—Interaction with lists of selectable items, e.g. menus
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0487—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
    • G06F3/0488—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
    • G06F3/04883—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card

Definitions

  • the present disclosure relates to the field of terminal technologies, and in particular, to a payment switching method and apparatus.
  • mobile payment technology is mainly divided into two categories through the payment service level: one is third-party payment, and the third-party payment is mainly based on the third-party payment company as the settlement institution, and the third-party payment company acts as the medium for transaction with the bank.
  • One of the payment methods is NFC flash payment, which is mainly based on the UnionPay organization as the main body of the settlement institution, and the UnionPay organization acts as the payment medium for the transaction with the bank.
  • NFC flash payment which is mainly based on the UnionPay organization as the main body of the settlement institution, and the UnionPay organization acts as the payment medium for the transaction with the bank.
  • the present disclosure provides a payment switching method and apparatus.
  • the technical solution is as follows:
  • a payment switching method comprising:
  • a payment operation is performed based on the target payment method.
  • the user can be provided with an operation portal for quickly switching the payment method by providing a virtual card display interface, which greatly shortens the operation path.
  • the interface is triggered to display an instruction; or, when the NFC module of the terminal detects that the preset distance has a specified type of device Triggering the interface display instruction; or triggering the interface display instruction when the triggering operation on the shortcut icon is detected, the shortcut icon is used to evoke the virtual card Slice display interface.
  • the specified operation of the terminal hardware component includes any of the following operations:
  • the virtual card display interface when the selected payment method is the first payment mode, includes a virtual card list in which the first payment mode has been opened, and each virtual card represents an open The virtual bank card of the first payment method.
  • the virtual card display interface when the selected payment method is the second payment mode, the virtual card display interface includes an account list in which the second payment mode has been opened, and each virtual card represents an opened account.
  • the account information of the second payment method is described.
  • the switching operation is a right sliding operation or a left sliding operation on the virtual card display interface
  • the switching operation is a triggering operation on any virtual card list in the virtual card display interface.
  • performing the payment operation based on the target payment mode includes:
  • the payment graphic identifier is displayed, and the payment graphic identifier is scanned by the other terminal to complete the payment operation, where the payment graphic identifier is used to indicate that the account of the second payment mode has been opened. information;
  • the payment account information is read from the designated storage area, and the payment account information is sent to the payment terminal through the NFC module of the terminal, and the payment operation is completed by the server. Account information generation of the second payment method has been opened.
  • the method further includes:
  • performing the payment operation based on the target payment method includes:
  • a payment switching device comprising:
  • a display module configured to display a virtual card display interface when the interface display instruction is received, where the virtual card display interface includes at least two payment methods;
  • a determining module configured to determine, according to the switching operation of the selected payment mode, a payment method corresponding to the switching operation as a target payment mode
  • a payment module configured to perform a payment operation based on the target payment method.
  • the device further includes a first triggering module, where the first triggering module is configured to: if the terminal is in a lock screen state, the specified operation of the terminal hardware component is detected, triggering the interface display instruction .
  • the device further includes a second triggering module, where the second triggering module is configured to: when the NFC module of the terminal detects that there is a specified type of device within the preset distance, triggering the interface display instruction.
  • the device further includes a third triggering module, configured to: when the triggering operation on the shortcut icon is detected, triggering the interface display instruction, where the shortcut icon is used The virtual card display interface is invoked.
  • the specified operation on the terminal hardware component includes any one of the following operations: a click operation, a continuous click operation, or a long press operation on a preset physical button on the terminal; or, the terminal screen a preset operation; or a preset operation on the fingerprint recognition module of the terminal.
  • the virtual card display interface when the selected payment method is the first payment mode, includes a virtual card list in which the first payment mode has been opened, and each virtual card represents an open The virtual bank card of the first payment method.
  • the virtual card display interface when the selected payment method is the second payment mode, the virtual card display interface includes an account list in which the second payment mode has been opened, and each virtual card represents an opened account.
  • the account information of the second payment method is described.
  • the switching operation is a right sliding operation or a left sliding operation on the virtual card display interface
  • the switching operation is a triggering operation on any virtual card list in the virtual card display interface.
  • the payment module is configured to:
  • the payment graphic identifier is displayed, and the payment graphic identifier is scanned by the other terminal to complete the payment operation, where the payment graphic identifier is used to indicate that the account of the second payment mode has been opened.
  • Information scanning the receipt graphic identifier, obtaining the account information of the payee, completing the payment operation according to the account information of the second payment method and the account information of the payee; or, when receiving
  • the payment account information is read from the designated storage area, and the payment account information is sent to the payment terminal through the NFC module of the terminal, and the payment operation is completed, and the payment account information is opened by the server according to the server.
  • the account information of the second payment method is generated.
  • the device further includes:
  • a list generating module configured to generate a virtual card list of each payment method according to different payment methods of the virtual card
  • the payment module is configured to display a virtual card list of the target payment method, and perform a payment operation based on the virtual card list of the target payment method.
  • a payment switching apparatus including:
  • a memory for storing processor executable instructions
  • processor is configured to:
  • the virtual card display interface When the interface display instruction is received, the virtual card display interface is displayed, and the virtual card display interface includes at least two payment modes; if the switching operation of the selected payment mode is detected, the payment mode corresponding to the switching operation is determined as Target payment method; performing a payment operation based on the target payment method.
  • the user can be provided with an operation portal for quickly switching the payment method by providing a virtual card display interface, which greatly shortens the operation path.
  • FIG. 1 is a flowchart of a payment switching method according to an exemplary embodiment
  • FIG. 2 is a flowchart of a payment switching method according to an exemplary embodiment
  • FIG. 3 is a schematic diagram of a virtual card display interface according to an exemplary embodiment
  • FIG. 4 is a block diagram of a payment switching apparatus according to an exemplary embodiment
  • FIG. 5 is a block diagram of a payment switching device 500, according to an exemplary embodiment.
  • the payment method of the embodiment of the present disclosure includes a first payment method and a second payment method, wherein the first payment method may be a NFC (Near Field Communication) flash payment method, and the second payment method may be a third party.
  • the payment method, the above payment methods can all be provided by the payment application. Below, two different payment methods are introduced:
  • the NFC flash payment method refers to the interaction between the NFC module on the payment terminal and the NFC module of the payment terminal, and the payment information is exchanged between the terminals, so that the payment terminal can be provided with the background of providing the payment terminal.
  • a UnionPay server or a bank server performs data interaction to implement payment operations of the payment terminal to the payment terminal.
  • Third-party payment method refers to the payment account provided by a third-party payment institution with a payment license.
  • the user can bind the bank card in the payment account or recharge the payment account to make the payment in the payment process.
  • the terminal and the payment terminal can exchange payment accounts and/or payment accounts in the form of two-dimensional code scanning, thereby realizing payment operations from the payment account to the payment account.
  • the third party is only used to distinguish it from the concept of the bank or the user, and does not represent other meanings.
  • the provider of the third party payment method can operate the same institution as the manufacturer of the terminal.
  • FIG. 1 is a flowchart of a method for switching a payment according to an exemplary embodiment. As shown in FIG. 1 , the payment switching method is used in a terminal, and includes the following steps:
  • step 101 when an interface display instruction is received, a virtual card display interface is displayed, and the virtual card display interface includes at least two payment methods.
  • the payment method includes at least a first payment method and a second payment method.
  • step 102 if a switching operation for the selected payment method is detected, the payment method corresponding to the switching operation is determined as the target payment method.
  • step 103 a payment operation is performed based on the target payment method.
  • the interface is triggered to display an instruction.
  • the interface display instruction is triggered.
  • the interface display instruction is triggered, and the shortcut icon is used to evoke the virtual card display interface.
  • the specified operation of the terminal hardware component includes any of the following operations:
  • the virtual card display interface when the selected payment method is the first payment mode, includes a virtual card list in which the first payment mode has been opened, and each virtual card represents an open The virtual bank card of the first payment method.
  • the virtual card display interface when the selected payment method is the second payment mode, the virtual card display interface includes an account list in which the second payment mode has been opened, and each virtual card represents an opened account.
  • the account information of the second payment method is described.
  • the switching operation is a right sliding operation or a left sliding operation on the virtual card display interface
  • the switching operation is a triggering operation on any virtual card list in the virtual card display interface.
  • performing the payment operation based on the target payment mode includes:
  • the payment graphic identifier is displayed, and the payment graphic identifier is scanned by the other terminal to complete the payment operation, where the payment graphic identifier is used to indicate that the account of the second payment mode has been opened.
  • Information scanning the receipt graphic identifier, obtaining the account information of the payee, completing the payment operation according to the account information of the second payment method and the account information of the payee; or, when receiving
  • the payment account information is read from the designated storage area, and the payment account information is sent to the payment terminal through the NFC module of the terminal, and the payment operation is completed, and the payment account information is opened by the server according to the server.
  • the account information of the second payment method is generated.
  • the method further includes:
  • performing the payment operation based on the target payment method includes:
  • FIG. 2 is a flowchart of a payment switching method according to an exemplary embodiment. As shown in FIG. 2, the payment switching method is used in a terminal, and includes the following steps:
  • step 201 a virtual card list for each payment method is generated according to the payment method of the virtual card.
  • the terminal in the embodiment of the present disclosure has an account corresponding to the terminal, and the account may be an account of the payment application, and multiple virtual cards may be associated with one account, so that the virtual card can be visually displayed in the subsequent display of the virtual card.
  • the difference between the payment methods supported by the card can generate a virtual card list for each virtual card of each payment method.
  • the content represented by the virtual card in the virtual card list may be different.
  • each virtual card in the virtual card list of the first payment method represents a virtual bank card in which the first payment method has been activated.
  • Each virtual card in the virtual card list of the second payment method represents the account information of the second payment method.
  • a virtual card list corresponding to the selected payment method may be displayed in the virtual card display interface.
  • the virtual card display interface when the payment mode is selected as the first payment mode, the virtual card display interface includes a virtual card list in which the first payment mode has been opened, wherein each virtual card in the virtual card list represents the first opened mode. Virtual bank card for payment method. And when the payment method is selected as the second payment mode, the virtual card display interface includes an account list in which the second payment mode has been opened, wherein each virtual card in the account list represents that the second payment has been opened.
  • the option corresponding to the selected payment mode may be displayed as the selected state, and the selected state may be highlighted.
  • the selected state may also be corresponding to the unselected state. Display, for example, the display brightness of the selected state is greater than the display brightness of the unselected option.
  • Figure 3 is a schematic illustration of a virtual card display interface.
  • the virtual card or the account that is added by the user may be used as the default card or the default account of the payment method.
  • the user may reset the user according to the subsequent adjustment of the user. This is not limited.
  • step 202 when an interface display instruction is received, a virtual card display interface is displayed.
  • the manner in which the interface display instruction is triggered may include any of the following methods:
  • the first trigger mode triggers the interface display instruction if the specified operation of the terminal hardware component is detected when the terminal is in the lock screen state.
  • the specified operation on the hardware component of the terminal includes: performing a click operation, a continuous click operation, or a long press operation on the physical button of the terminal, where the preset physical key may refer to a physical button, for example, Double-click or long press the home physical button.
  • the preset physical button can also refer to one or more of the specified physical buttons.
  • the power-on button and the home button are simultaneously clicked and the number of clicks is 2; or,
  • the preset operation of the terminal screen such as a continuous click operation, a sliding operation, or the like, for example, double-clicking the screen; or a preset operation of the fingerprint recognition module of the terminal, such as double-clicking a fingerprint identification module or the like.
  • the user may preset a designated operation that can evoke the virtual card display interface in the terminal, so that the use of the terminal can be closer to the user's usage habits.
  • the evoke interface mode corresponding to the trigger mode provides the user with an operation portal for quickly switching the payment mode, which greatly shortens the operation path and improves the operation performance of the terminal.
  • the virtual card display interface can be evoked by direct operation of the terminal hardware component. Therefore, the shortcut entry used by the evoke is directly connected with the terminal hardware component itself, resulting in the terminal hardware.
  • the component faces security issues such as malicious tampering. Therefore, the payment application can be a native application of the system or an application certified by the terminal manufacturer. At this time, even if the payment application has the control authority for the hardware components of the terminal, security can be ensured while ensuring quick and convenient.
  • the second trigger mode triggers the interface display instruction when the NFC module of the terminal detects that there is a specified type of device within the preset distance.
  • the specified type of device may be a payment terminal, such as a POS machine, a scanner, and the like.
  • the terminal can detect whether there is a specified type of device in the preset distance by using the NFC module set on the terminal.
  • the detection can be performed by detecting whether the terminal enters the radio frequency field of the device of the specified type, or by detecting whether a device of the specified type enters the terminal itself.
  • the radio frequency field is performed, and the embodiment of the present disclosure is not specifically limited.
  • the device of the specified type can be used as the master device in the NFC communication to send a discovery signal to the surroundings.
  • the device information can be carried according to the discovery signal. Determine whether the device is a specified type of device. If it is determined that the device is a specified type of device, an interface display instruction may be triggered.
  • the device information may be device model information or device type information.
  • the terminal may serve as a master device in the NFC communication, and send a discovery signal to the surroundings.
  • the terminal may feed back the response to the terminal.
  • the signal the terminal may determine, according to the device information carried in the response signal, whether the device is a specified type device, and if it is determined that the device is a specified type device, the interface display instruction may be triggered.
  • the device information may be device model information or device type information.
  • whether the specified type of device is within the preset distance is determined by detecting whether the NFC module receives the payment or payment instruction, which is not specifically limited in this embodiment of the present disclosure.
  • the interface display instruction may also be triggered by other operations of the user on the terminal, for example, providing a shortcut icon on the terminal interface, the shortcut icon is used to evoke the virtual card display interface, when detecting the The trigger operation of the shortcut icon, such as the click operation, triggers the interface display instruction, and displays the virtual card display interface in response to the interface display instruction, and the process can also greatly shorten the operation path and realize quick and convenient switching.
  • step 203 if a switching operation for the selected payment method is detected, the payment method corresponding to the switching operation is determined as the target payment method.
  • the switching operation may refer to a left sliding operation or a right sliding operation on the virtual card display interface currently displaying the virtual card list. For example, taking the left image of FIG. 3 as an example, the direction of the currently displayed virtual card may be detected.
  • the left swipe operation enables switching from the "swipe card” list to the "scan code” list.
  • the payment method corresponding to the switching operation refers to the third-party payment method corresponding to the “scan code” list.
  • the switching operation may also be a trigger for displaying any virtual card list in the virtual card display interface. operating.
  • the triggering operation may be a clicking operation on an option corresponding to the virtual card list. For example, if a click operation on the “swipe card” option is detected, the virtual card list corresponding to the option is displayed.
  • the figure 3 is only an example. If the payment method is selected as the third-party payment method, the target payment method can be set to the NFC flash payment mode by the switching operation, which is not limited in this embodiment of the disclosure.
  • the default card or the default account may also be set, for example, by the card switching operation, the current default virtual card 1 is switched to the virtual card 2, or the current switching operation is performed through the account switching operation.
  • the default account 1 is switched to account 2.
  • a third-party payment method a plurality of different third-party payment methods can be bound to one terminal, for example, Alipay, Huawei payment, or WeChat payment.
  • step 204 a payment operation is performed based on the target payment method.
  • the step 204 may include: displaying a virtual card list of the target payment method, and performing a payment operation based on the virtual card list of the target payment method.
  • the user can select any virtual card as the current payment card from the virtual card list of the displayed target payment method, and perform a payment operation based on the selected virtual card.
  • the payment operation can be completed by interacting with the background through the payment terminal.
  • the target payment mode is the second payment mode
  • the payment operation based on the target payment mode includes active scan code, passive scan code, and NFC inductive payment.
  • a first implementation manner when receiving the first payment instruction, displaying a payment graphic identifier, scanning the payment graphic identifier by another terminal, completing the payment operation, where the payment graphic identifier is used to indicate that the Account information for the second payment method.
  • the first payment instruction is for instructing payment by displaying a graphical identification.
  • the first implementation means in fact that the payment terminal displays the payment graphic identifier, and the payment terminal identifier scans the payment graphic identifier to obtain the account information of the payment terminal, thereby enabling the payment terminal to utilize the payment terminal.
  • the account information interacts with the third-party payment platform to complete the payment operation of the payment terminal to the payment terminal.
  • the terminal may perform payment according to the bank card bound by the default third-party payment method or use the balance in the account, and the server may encrypt the account information and payment method of the terminal user to generate a set of payment graphic identifiers.
  • the payment graphic identifier may be generated in advance and stored as a payment graphic identification list, and the payment graphic is used by the server.
  • the identification list is sent to the terminal, so that the terminal acquires the payment graphic identifier from the payment graphic identification list in a random form each time the payment is made.
  • the payment password can also be set, so that the terminal completes the payment operation by using the password after the scanning is completed. In order to simplify the payment process, when the amount to be paid is small, the payment process can be directly executed without using the password payment.
  • the second implementation manner scanning the receipt graphic identifier, obtaining the account information of the payee, and completing the payment operation according to the account information of the second payment method and the account information of the payee.
  • the second implementation manner actually refers to the payment graphic identifier provided by the payment terminal scanning the payment terminal to obtain the account information of the payment terminal, so that the payment terminal can utilize the account information of the payment terminal, and
  • the third-party payment platform interacts to complete the payment operation of the payment terminal to the payment terminal.
  • the payment graphic identifier may carry the amount to be paid, or may be manually input.
  • the payment account information is read from the designated storage area, and the payment account information is sent to the payment terminal through the NFC module of the terminal to complete the payment operation,
  • the payment account information is generated by the server according to the account information of the second payment method that has been opened.
  • the second payment instruction is used to indicate payment by the NFC module.
  • the third implementation manner actually means that the payment terminal sends the payment account information to the payment terminal through the NFC module, and the payment terminal information is decrypted by the payment terminal to obtain the account information of the payment terminal, thereby
  • the terminal can interact with the third-party payment platform by using the account information of the payment terminal, thereby completing the payment operation of the payment terminal to the payment terminal, and the process can be regarded as an NFC module sensing payment process.
  • the server may encrypt the account information and the payment method of the terminal user to generate a group of payment account information, which is used to represent the account information of the terminal user. For an account information of the terminal user, multiple payment may be generated for the account information in advance. Account information, and storing the plurality of payment account information as a list of payment account information, and the server sends the payment account information list to the terminal, so that the terminal randomly collects from the payment account information list each time the payment is made. Get payment account information.
  • the inductive payment process is similar to the scanning pattern identification process except that the transmission medium is different. Of course, in the case that the terminal user adds multiple account information, the above steps of generating and delivering the list may be performed for each account information.
  • the graphic identifiers mentioned above may be two-dimensional codes, barcodes or other means for reflecting corresponding information.
  • the graphic identifier is not limited by the embodiment of the present disclosure.
  • the virtual card list corresponding to the first payment method may be displayed by default, such as the NFC flash payment bank card list, and if the user switches the payment method and completes the payment, when awake again
  • the virtual card list corresponding to the payment method after the switching can be displayed by default.
  • the user can be provided with an operation entry for quickly switching the payment method, which greatly shortens the operation path and improves the operation performance of the terminal.
  • the payment application may be a system native application or an application certified by a terminal manufacturer. At this time, even if the payment application has the control authority for the hardware components of the terminal, security can be ensured while ensuring quick and convenient.
  • FIG. 4 is a block diagram of a payment switching apparatus, according to an exemplary embodiment.
  • the apparatus includes:
  • the display module 401 is configured to display a virtual card display interface when the interface display instruction is received, where the virtual card display interface includes at least two payment modes;
  • the determining module 402 is configured to determine, according to the switching operation of the selected payment mode, the payment mode corresponding to the switching operation as the target payment mode;
  • the payment module 403 is configured to perform a payment operation based on the target payment method.
  • the device further includes a first triggering module, where the first triggering module is configured to: if the terminal is in a lock screen state, the specified operation of the terminal hardware component is detected, triggering the interface display instruction .
  • the device further includes a second triggering module, where the second triggering module is configured to: when the NFC module of the terminal detects that there is a specified type of device within the preset distance, triggering the interface display instruction.
  • the device further includes a third triggering module, configured to: when the triggering operation on the shortcut icon is detected, triggering the interface display instruction, where the shortcut icon is used The virtual card display interface is invoked.
  • the specified operation on the hardware component of the terminal includes any one of the following operations: a click operation, a continuous click operation, or a long press operation on a preset physical button on the terminal; or, a preset operation of the terminal screen; or a preset operation of the fingerprint identification module of the terminal.
  • the virtual card display interface when the selected payment method is the first payment mode, includes a virtual card list in which the first payment mode has been opened, and each virtual card represents an open The virtual bank card of the first payment method.
  • the virtual card display interface when the selected payment method is the second payment mode, the virtual card display interface includes an account list in which the second payment mode has been opened, and each virtual card represents an opened account.
  • the account information of the second payment method is described.
  • the switching operation is a right sliding operation or a left sliding operation on the virtual card display interface
  • the switching operation is a triggering operation on any virtual card list in the virtual card display interface.
  • the payment module is configured to:
  • the payment graphic identifier is displayed, and the payment graphic identifier is scanned by the other terminal to complete the payment operation, where the payment graphic identifier is used to indicate that the account of the second payment mode has been opened.
  • Information scanning the receipt graphic identifier, obtaining the account information of the payee, completing the payment operation according to the account information of the second payment method and the account information of the payee; or, when receiving
  • the payment account information is read from the designated storage area, and the payment account information is sent to the payment terminal through the NFC module of the terminal, and the payment operation is completed, and the payment account information is opened by the server according to the server.
  • the account information of the second payment method is generated.
  • the device further includes:
  • a list generating module configured to generate a virtual card list of each payment method according to different payment methods of the virtual card
  • the payment module is configured to display a virtual card list of the target payment method, and perform a payment operation based on the virtual card list of the target payment method.
  • the payment switching apparatus provided by the foregoing embodiment is only illustrated by the division of the foregoing functional modules when the payment is switched. In actual applications, the function allocation may be completed by different functional modules as needed.
  • the internal structure of the device is divided into different functional modules to perform all or part of the functions described above.
  • the payment switching device and the support provided by the above embodiments The embodiment of the handover method belongs to the same concept, and the specific implementation process is described in detail in the method embodiment, and details are not described herein again.
  • FIG. 5 is a block diagram of a payment switching device 500, according to an exemplary embodiment.
  • device 500 can be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a gaming console, a tablet device, a medical device, a fitness device, a personal digital assistant, and the like.
  • apparatus 500 can include one or more of the following components: processing component 502, memory 504, power component 506, multimedia component 508, audio component 510, input/output (I/O) interface 512, sensor component 514, And a communication component 516.
  • Processing component 502 typically controls the overall operation of device 500, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations.
  • Processing component 502 can include one or more processors 520 to execute instructions to perform all or part of the steps of the above described methods.
  • processing component 502 can include one or more modules to facilitate interaction between component 502 and other components.
  • processing component 502 can include a multimedia module to facilitate interaction between multimedia component 508 and processing component 502.
  • Memory 504 is configured to store various types of data to support operation at device 500. Examples of such data include instructions for any application or method operating on device 500, contact data, phone book data, messages, pictures, videos, and the like.
  • the memory 504 can be implemented by any type of volatile or non-volatile storage device, or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read only memory (EEPROM), erasable.
  • SRAM static random access memory
  • EEPROM electrically erasable programmable read only memory
  • EPROM Electrically erasable programmable read only memory
  • PROM Programmable Read Only Memory
  • ROM Read Only Memory
  • Magnetic Memory Flash Memory
  • Disk Disk or Optical Disk.
  • Power component 506 provides power to various components of device 500.
  • Power component 506 can include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for device 500.
  • the multimedia component 508 includes a screen between the device 500 and the user that provides an output interface.
  • the screen can include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen can be implemented as a touch screen to receive input signals from the user.
  • the touch panel includes one or more touch sensors to sense touches, slides, and gestures on the touch panel. The touch sensor may sense not only the boundary of the touch or sliding action, but also the duration and pressure associated with the touch or slide operation.
  • the multimedia component 508 package Includes a front camera and/or rear camera. When the device 500 is in an operation mode, such as a shooting mode or a video mode, the front camera and/or the rear camera can receive external multimedia data. Each front and rear camera can be a fixed optical lens system or have focal length and optical zoom capabilities.
  • the audio component 510 is configured to output and/or input an audio signal.
  • audio component 510 includes a microphone (MIC) that is configured to receive an external audio signal when device 500 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode.
  • the received audio signal may be further stored in memory 504 or transmitted via communication component 516.
  • audio component 510 also includes a speaker for outputting an audio signal.
  • the I/O interface 512 provides an interface between the processing component 502 and the peripheral interface module, which may be a keyboard, a click wheel, a button, or the like. These buttons may include, but are not limited to, a home button, a volume button, a start button, and a lock button.
  • Sensor assembly 514 includes one or more sensors for providing device 500 with various aspects of status assessment.
  • sensor assembly 514 can detect an open/closed state of device 500, a relative positioning of components, such as the display and keypad of device 500, and sensor component 514 can also detect a change in position of one component of device 500 or device 500. The presence or absence of user contact with device 500, device 500 orientation or acceleration/deceleration, and temperature variation of device 500.
  • Sensor assembly 514 can include a proximity sensor configured to detect the presence of nearby objects without any physical contact.
  • Sensor assembly 514 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications.
  • the sensor component 514 can also include an acceleration sensor, a gyro sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
  • Communication component 516 is configured to facilitate wired or wireless communication between device 500 and other devices.
  • the device 500 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof.
  • communication component 516 receives broadcast signals or broadcast associated information from an external broadcast management system via a broadcast channel.
  • the communication component 516 also includes a near field communication (NFC) module to facilitate short range communication.
  • NFC near field communication
  • the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
  • RFID radio frequency identification
  • IrDA infrared data association
  • UWB ultra-wideband
  • Bluetooth Bluetooth
  • apparatus 500 may be implemented by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable Gate array (FPGA), controller, microcontroller, microprocessor or Other electronic components are implemented to perform the above methods.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGA field programmable Gate array
  • controller microcontroller, microprocessor or Other electronic components are implemented to perform the above methods.
  • non-transitory computer readable storage medium comprising instructions, such as a memory 504 comprising instructions executable by processor 520 of apparatus 500 to perform the above method.
  • the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
  • a non-transitory computer readable storage medium that, when executed by a processor of a mobile terminal, enables the mobile terminal to perform the payment switching method provided by the embodiment illustrated in FIG. 1 or FIG. 2 above.

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Abstract

公开了一种支付切换方法及装置，属于终端技术领域。方法包括：当接收到界面显示指令时，显示虚拟卡片显示界面（101），所述虚拟卡片显示界面包括至少两种支付方式；如果检测到对所述已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式（102）；基于所述目标支付方式进行支付操作（103）。通过提供虚拟卡片显示界面，为用户提供对支付方式进行快捷切换的操作入口，大大缩短了操作路径。

Description

支付切换方法及装置 技术领域
本公开是关于终端技术领域，具体来说是关于一种支付切换方法及装置。
背景技术
随着终端技术的发展，移动支付技术已经成为一种越来越被接受的手段。目前移动支付技术通过支付业务层面主要分为两大类别：一种是第三方支付，第三方支付主要是以第三方支付公司为结算机构主体，由第三方支付公司作为与银行进行交易的媒介的支付方式，一种是NFC闪付，主要是以银联组织为结算机构主体，由银联组织作为与银行进行交易的媒介的支付方式。不论哪种支付方式，都极大简化了用户的支付过程，而且由于替代了银行卡实体卡和现金，因此，也确保了用户资金的安全。
发明内容
为了解决相关技术中存在的问题，本公开提供了一种支付切换方法及装置。所述技术方案如下：
第一方面，提供了一种支付切换方法，所述方法包括：
当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
基于所述目标支付方式进行支付操作。
在本公开实施例中，可通过提供虚拟卡片显示界面，为用户提供对支付方式进行快捷切换的操作入口，大大缩短了操作路径。
在一种可能实现方式中，如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令；或，当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令；或，当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡 片显示界面。
在一种可能实现方式中，对终端硬件组件的指定操作包括下述任一操作：
对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，
对所述终端屏幕的预设操作；或，
对所述终端的指纹识别模块的预设操作。
在一种可能实现方式中，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
在一种可能实现方式中，当所述已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
在一种可能实现方式中，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；或，
所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
在一种可能实现方式中，当所述目标支付方式为第二支付方式时，基于所述目标支付方式进行支付操作包括：
当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；
或，
扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；
或，
当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
在一种可能实现方式中，所述方法还包括：
按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
相应地，基于所述目标支付方式进行支付操作包括：
显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡 片列表进行支付操作。
第二方面，提供了一种支付切换装置，所述装置包括：
显示模块，用于当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
确定模块，用于如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
支付模块，用于基于所述目标支付方式进行支付操作。
在一种可能实现方式中，所述装置还包括第一触发模块，所述第一触发模块用于：如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
在一种可能实现方式中，所述装置还包括第二触发模块，所述第二触发模块用于：当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
在一种可能实现方式中，所述装置还包括第三触发模块，所述第三触发模块用于：当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡片显示界面。
在一种可能实现方式中，对终端硬件组件的指定操作包括下述任一操作：对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，对所述终端屏幕的预设操作；或，对所述终端的指纹识别模块的预设操作。
在一种可能实现方式中，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
在一种可能实现方式中，当所述已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
在一种可能实现方式中，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；或，
所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
在一种可能实现方式中，所述支付模块用于：
当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；或，扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；或，当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
在一种可能实现方式中，所述装置还包括：
列表生成模块，用于按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
所述支付模块用于显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。
第三方面，提供了一种支付切换装置，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；基于所述目标支付方式进行支付操作。
在本公开实施例中，可通过提供虚拟卡片显示界面，为用户提供对支付方式进行快捷切换的操作入口，大大缩短了操作路径。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性的，并不能限制本公开。
附图说明
此处的附图被并入说明书中并构成本说明书的一部分，示出了符合本公开的实施例，并与说明书一起用于解释本公开的原理。
图1是根据一示例性实施例示出的一种支付切换方法的流程图；
图2是根据一示例性实施例示出的一种支付切换方法的流程图；
图3是根据一示例性实施例示出的一种虚拟卡片显示界面的示意图；
图4是根据一示例性实施例示出的一种支付切换装置的框图；
图5是根据一示例性实施例示出的一种支付切换装置500的框图。
具体实施方式
为使本公开的目的、技术方案和优点更加清楚明白，下面结合实施方式和附图，对本公开做进一步详细说明。在此，本公开的示意性实施方式及其说明用于解释本公开，但并不作为对本公开的限定。
本公开实施例所述的支付方式包括第一支付方式和第二支付方式，其中，第一支付方式可以为NFC(Near Field Communication，近场通信)闪付方式，第二支付方式可以为第三方支付方式，上述支付方式均可以由支付应用提供。下面，对两种不同的支付方式进行介绍：
NFC闪付方式，是指通过付款终端上的NFC模块与收款终端的NFC模块之间的交互，在终端之间进行支付信息的交互，从而使得收款终端可以与提供该收款终端的后台(例如银联服务器或某个银行服务器)进行数据交互，以实现付款终端向收款终端的支付操作。
第三方支付方式：是指由具有支付牌照的第三方支付机构提供支付账号，用户可以通过在支付账号内绑定银行卡，或是向支付账号中进行充值，以使得在支付过程中，收款终端和付款终端可以通过二维码扫描等形式交互收款账号和/或付款账号，从而实现从付款账号到收款账号的支付操作。
需要说明的是，该第三方仅用于与银行或用户的概念产生区别，而并不代表其他含义。该第三方支付方式的提供商可以与终端的生产商为同一机构运营。
图1是根据一示例性实施例示出的一种支付切换方法的流程图，如图1所示，该支付切换方法用于终端中，包括以下步骤：
在步骤101中，当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式。
其中，所述支付方式至少包括第一支付方式和第二支付方式。
在步骤102中，如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式。
在步骤103中，基于所述目标支付方式进行支付操作。
在一种可能实现方式中，如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
在一种可能实现方式中，当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
在一种可能实现方式中，当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡片显示界面。
在一种可能实现方式中，对终端硬件组件的指定操作包括下述任一操作：
对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，
对所述终端屏幕的预设操作；或，
对所述终端的指纹识别模块的预设操作。
在一种可能实现方式中，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
在一种可能实现方式中，当所述已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
在一种可能实现方式中，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；或，
所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
在一种可能实现方式中，当所述目标支付方式为第二支付方式时，基于所述目标支付方式进行支付操作包括：
当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；或，扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；或，当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
在一种可能实现方式中，所述方法还包括：
按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
相应地，基于所述目标支付方式进行支付操作包括：
显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。
上述所有可选技术方案，可以采用任意结合形成本公开的可选实施例，在此不再一一赘述。
图2是根据一示例性实施例示出的一种支付切换方法的流程图，如图2所示，该支付切换方法用于终端中，包括以下步骤：
在步骤201中，按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表。
本公开实施例中的终端具有与该终端唯一对应的账号，该账号可以是指支付应用的账号，一个账号中可以关联有多张虚拟卡片，为了在后续显示虚拟卡片时，能够直观的体现虚拟卡片所支持支付方式之间的区别，可以为每种支付方式的虚拟卡片分别生成一个虚拟卡片列表。根据支付方式的不同，其虚拟卡片列表中虚拟卡片所代表的内容可以不同，例如，第一支付方式的虚拟卡片列表中的每张虚拟卡片均代表已开通第一支付方式的虚拟银行卡。而第二支付方式的虚拟卡片列表中的每张虚拟卡片均代表已开通第二支付方式的账户信息。
为了突出显示已选中的支付方式，在该虚拟卡片显示界面中可以显示已选中支付方式对应的虚拟卡片列表。
例如，当已选中支付方式为第一支付方式时，虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，其中，虚拟卡片列表中的每张虚拟卡片均代表已开通第一支付方式的虚拟银行卡。而当已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，其中，账户列表中的每张虚拟卡片均代表已开通第二支付方式的一个账户信息。
为了进一步突出显示已选中的支付方式，可以将已选中支付方式对应的选项显示为已选中状态，该已选中状态具体可以为高亮显示，当然，该已选中状态还可以是与未选中状态对应显示，例如，已选中状态的选项的显示亮度大于未选中状态的选项的显示亮度。
图3是虚拟卡片显示界面的一个示意图。在图3中，包括“刷卡”和“扫码”两个选项，每一个选项对应于一个虚拟卡片列表，图3中左图中所显示的是当已选中支付方式为第一支付方式，“刷卡”对应的虚拟卡片为支持NFC闪付的虚拟卡片，“扫码”对应的虚拟卡片代表支持第三方支付的账户信息。
其中，在任一虚拟卡片列表中，可以将用户第一个添加的虚拟卡片或账号作为该种支付方式的默认卡或默认账户，当然，也可以根据用户后续的调整而重新设置，本公开实施例对此不作限定。
在步骤202中，当接收到界面显示指令时，显示虚拟卡片显示界面。
该界面显示指令的触发方式可以包括下述任一种方式：
第一种触发方式、如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
其中，对终端硬件组件的指定操作包括下述任一操作：对所述终端预设物理按键的点击操作、连续点击操作或长按操作，该预设物理按键可以是指某一个物理按键，例如，双击或长按home物理按键，该预设物理按键也可以是指多个指定物理按键中的一个或多个，例如，对开机键和home键同时点击且点击次数为2次；或，对所述终端屏幕的预设操作，例如连续点击操作、滑动操作等等，例如双击屏幕；或，对所述终端的指纹识别模块的预设操作，例如双击指纹识别模块等。
需要说明的是，用户可以在终端预先设置可以唤起该虚拟卡片显示界面的指定操作，以便终端的使用能够更加贴近用户的使用习惯。
采用这种触发方式所对应的唤起界面方式，为用户提供对支付方式进行快捷切换的操作入口，大大缩短了操作路径，提升了终端的操作性能。
另外，采用这种触发方式所对应的唤起界面方式，可以通过对终端硬件组件的直接操作进行唤起虚拟卡片显示界面，因此，该唤起所采用的快捷入口直接与终端硬件组件本身打通，导致终端硬件组件面临被恶意篡改等安全问题，因此，进一步地，该支付应用可以为系统原生应用，或是经过终端厂商认证的应用。此时，即使该支付应用具有对终端硬件组件的控制权限，也可以在保证了快捷方便的同时，保证安全性。
第二种触发方式、当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
该指定类型设备可以为收款终端，如POS机、扫码机等。
终端可以通过终端上设置的NFC模块来检测预设距离内是否有指定类型设备，该检测可以通过检测终端是否进入指定类型设备的射频场进行，也可以通过检测是否有指定类型设备进入终端自身的射频场进行，本公开实施例不做具体限定。
对于检测终端是否进入指定类型设备的射频场的实现方式，指定类型设备可以作为NFC通信中的主设备，向周围发送发现信号，当终端接收到发现信号时，可以根据发现信号所携带的设备信息，确定该设备是否为指定类型设备，如果确定该设备是指定类型设备，则可以触发界面显示指令。该设备信息可以为设备型号信息或设备类型信息等。
对于检测是否有指定类型设备进入终端自身的射频场的实现方式，终端可以作为NFC通信中的主设备，向周围发送发现信号，当有任一个设备接收到该发现信号时，可以向终端反馈响应信号，终端可以根据该响应信号中所携带的设备信息，确定该设备是否为指定类型设备，如果确定该设备是指定类型设备，则可以触发界面显示指令。该设备信息可以为设备型号信息或设备类型信息等。
当然，上述对实现方式的描述仅为一种示例性描述，并不限定该具体实现方式。并且，除了上述实现方式，还可以通过检测NFC模块是否接收到收款或付款指令，来确定预设距离内是否有指定类型设备，本公开实施例对此不做具体限定。
在本公开实施例中，该界面显示指令还可以由用户在终端上的其他操作触发，例如，在终端界面上提供一个快捷图标，该快捷图标用于唤起虚拟卡片显示界面，当检测到对该快捷图标的触发操作，如点击操作时，触发界面显示指令，响应于该界面显示指令，显示虚拟卡片显示界面，该过程也能够大大缩短操作路径，实现快捷方便的切换。
在步骤203中，如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式。
该切换操作可以是指对虚拟卡片显示界面上当前显示虚拟卡片列表的向左滑动操作或者向右滑动操作，例如，以图3的左图为例，可以在检测到对当前显示虚拟卡片的向左滑动操作，实现从“刷卡”列表到“扫码”列表的切换。此时，切换操作对应的支付方式是指“扫码”列表所对应的第三方支付方式。
该切换操作还可以为对虚拟卡片显示界面中任一个虚拟卡片列表的触发 操作。其中，该触发操作可以为对虚拟卡片列表对应的选项的点击操作，例如，如果检测到对“刷卡”选项的点击操作，则显示该选项对应的虚拟卡片列表。
当然，该图3仅为一个示例，如果已选中支付方式为第三方支付方式，还可以通过切换操作，将目标支付方式设置为NFC闪付方式，本公开实施例对此不作限定。
进一步地，在各个支付方式中，还可以对默认卡或者默认账户进行设置，比如，通过卡片切换操作，将当前所默认的虚拟卡片1切换为虚拟卡片2，或是通过账户切换操作，将当前默认的账户1切换为账户2。需要说明的是，对于第三方支付方式来说，一个终端上可以绑定多个不同第三方支付方式，比如，支付宝、小米支付或微信支付等等。
在步骤204中，基于所述目标支付方式进行支付操作。
该步骤204可以包括：显示目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。用户可以从已显示的目标支付方式的虚拟卡片列表中选择任一张虚拟卡片作为当前支付卡片，并基于所选择的虚拟卡片进行支付操作。
对于第一支付方式，可以通过收款终端与后台交互，从而完成支付操作。而当所述目标支付方式为第二支付方式时，基于所述目标支付方式进行支付操作包括主动扫码、被动扫码以及NFC感应支付，下面针对每种支付实现方式进行描述：
第一种实现方式、当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息。
该第一支付指令用于指示通过显示图形标识进行支付。
该第一种实现方式事实上是指由付款终端显示支付图形标识，由收款终端对该支付图形标识进行扫描，以获取到付款终端的账户信息，从而使得收款终端能够通过利用该付款终端的账户信息，与第三方支付平台进行交互，从而完成付款终端向收款终端的支付操作。
其中，终端可以依据默认的第三方支付方式所绑定的银行卡进行支付或是用账户中的余额进行支付，服务器可以将终端用户的账户信息、支付方式加密后生成一组支付图形标识，用以代表该终端用户的账户信息，该支付图形标识可以事先生成多个，并存储为一个支付图形标识列表，由服务器将该支付图形 标识列表下发至终端，使得终端在每次进行支付时，以随机形式从支付图形标识列表中获取支付图形标识。若需要进行密保，则还可以设置支付密码，使得终端在扫描完成后，采用密码完成支付操作。为了简化支付流程，当需支付金额较小时，可以不采用密码支付而是直接执行支付过程。
第二种实现方式、扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作。
该第二种实现方式事实上是指由付款终端扫描收款终端提供的收款图形标识，以获取到收款终端的账户信息，从而使得付款终端能够通过利用该收款终端的账户信息，与第三方支付平台进行交互，从而完成付款终端向收款终端的支付操作。进一步地，该收款图形标识中可以携带需支付金额，也可以手工输入。
第三种实现方式、当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
该第二支付指令用于指示通过NFC模块进行支付。该第三种实现方式事实上是指由付款终端通过NFC模块将支付账户信息发送至收款终端，由收款终端对该支付账户信息进行解密，以获取到付款终端的账户信息，从而使得收款终端能够通过利用该付款终端的账户信息，与第三方支付平台进行交互，从而完成付款终端向收款终端的支付操作，该过程可以看作是NFC模块感应支付过程。
服务器可以将终端用户的账户信息、支付方式加密后生成一组支付账户信息，用以代表该终端用户的账户信息，对于终端用户的一个账户信息来说，可以为该账户信息事先生成多个支付账户信息，并将该多个支付账户信息存储为一个支付账户信息列表，由服务器将该支付账户信息列表下发至终端，使得终端在每次进行支付时，以随机形式从支付账户信息列表中获取支付账户信息。该感应支付过程与扫描图形标识过程相似，只是传输媒介有所不同。当然，对于终端用户添加了多个账户信息的情况，可以为每个账户信息均执行上述列表生成和下发的步骤。
上述所涉及的图形标识可以为二维码、条形码或其他用于体现对应信息的 图形标识，本公开实施例对此不作限定。
需要说明的是，第一次唤起虚拟卡片显示界面时，可以默认显示第一支付方式对应的虚拟卡片列表，如NFC闪付银行卡列表，如果用户切换了支付方式并完成支付后，当再次唤起虚拟卡片显示界面时，可以默认展示切换后的支付方式对应的虚拟卡片列表。
在本公开实施例中，可通过提供虚拟卡片显示界面，为用户提供对支付方式进行快捷切换的操作入口，大大缩短了操作路径，提升了终端的操作性能。
另外，由于唤起虚拟卡片显示界面时，可以通过对终端硬件组件的直接操作进行，因此，该唤起所采用的快捷入口直接与终端硬件组件本身打通，导致终端硬件组件面临被恶意篡改等安全问题，因此，进一步地，该支付应用可以为系统原生应用，或是经过终端厂商认证的应用。此时，即使该支付应用具有对终端硬件组件的控制权限，也可以在保证了快捷方便的同时，保证安全性。
图4是根据一示例性实施例示出的一种支付切换装置的框图。参见图4，该装置包括：
显示模块401，用于当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
确定模块402，用于如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
支付模块403，用于基于所述目标支付方式进行支付操作。
在一种可能实现方式中，所述装置还包括第一触发模块，所述第一触发模块用于：如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
在一种可能实现方式中，所述装置还包括第二触发模块，所述第二触发模块用于：当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
在一种可能实现方式中，所述装置还包括第三触发模块，所述第三触发模块用于：当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡片显示界面。
在一种可能实现方式中，对终端硬件组件的指定操作包括下述任一操作：对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，对所 述终端屏幕的预设操作；或，对所述终端的指纹识别模块的预设操作。
在一种可能实现方式中，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
在一种可能实现方式中，当所述已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
在一种可能实现方式中，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；或，
所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
在一种可能实现方式中，所述支付模块用于：
当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；或，扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；或，当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
在一种可能实现方式中，所述装置还包括：
列表生成模块，用于按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
所述支付模块用于显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。
关于上述实施例中的装置，其中各个模块执行操作的具体方式已经在有关该方法的实施例中进行了详细描述，此处将不做详细阐述说明。
需要说明的是：上述实施例提供的支付切换装置在支付切换时，仅以上述各功能模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能模块完成，即将设备的内部结构划分成不同的功能模块，以完成以上描述的全部或者部分功能。另外，上述实施例提供的支付切换装置与支 付切换方法实施例属于同一构思，其具体实现过程详见方法实施例，这里不再赘述。
图5是根据一示例性实施例示出的一种支付切换装置500的框图。例如，装置500可以是移动电话，计算机，数字广播终端，消息收发设备，游戏控制台，平板设备，医疗设备，健身设备，个人数字助理等。
参照图5，装置500可以包括以下一个或多个组件：处理组件502，存储器504，电源组件506，多媒体组件508，音频组件510，输入/输出(I/O)的接口512，传感器组件514，以及通信组件516。
处理组件502通常控制装置500的整体操作，诸如与显示，电话呼叫，数据通信，相机操作和记录操作相关联的操作。处理组件502可以包括一个或多个处理器520来执行指令，以完成上述的方法的全部或部分步骤。此外，处理组件502可以包括一个或多个模块，便于处理组件502和其他组件之间的交互。例如，处理组件502可以包括多媒体模块，以方便多媒体组件508和处理组件502之间的交互。
存储器504被配置为存储各种类型的数据以支持在装置500的操作。这些数据的示例包括用于在装置500上操作的任何应用程序或方法的指令，联系人数据，电话簿数据，消息，图片，视频等。存储器504可以由任何类型的易失性或非易失性存储设备或者它们的组合实现，如静态随机存取存储器(SRAM)，电可擦除可编程只读存储器(EEPROM)，可擦除可编程只读存储器(EPROM)，可编程只读存储器(PROM)，只读存储器(ROM)，磁存储器，快闪存储器，磁盘或光盘。
电源组件506为装置500的各种组件提供电力。电源组件506可以包括电源管理系统，一个或多个电源，及其他与为装置500生成、管理和分配电力相关联的组件。
多媒体组件508包括在所述装置500和用户之间的提供一个输出接口的屏幕。在一些实施例中，屏幕可以包括液晶显示器(LCD)和触摸面板(TP)。如果屏幕包括触摸面板，屏幕可以被实现为触摸屏，以接收来自用户的输入信号。触摸面板包括一个或多个触摸传感器以感测触摸、滑动和触摸面板上的手势。所述触摸传感器可以不仅感测触摸或滑动动作的边界，而且还检测与所述触摸或滑动操作相关的持续时间和压力。在一些实施例中，多媒体组件508包 括一个前置摄像头和/或后置摄像头。当装置500处于操作模式，如拍摄模式或视频模式时，前置摄像头和/或后置摄像头可以接收外部的多媒体数据。每个前置摄像头和后置摄像头可以是一个固定的光学透镜系统或具有焦距和光学变焦能力。
音频组件510被配置为输出和/或输入音频信号。例如，音频组件510包括一个麦克风(MIC)，当装置500处于操作模式，如呼叫模式、记录模式和语音识别模式时，麦克风被配置为接收外部音频信号。所接收的音频信号可以被进一步存储在存储器504或经由通信组件516发送。在一些实施例中，音频组件510还包括一个扬声器，用于输出音频信号。
I/O接口512为处理组件502和外围接口模块之间提供接口，上述外围接口模块可以是键盘，点击轮，按钮等。这些按钮可包括但不限于：主页按钮、音量按钮、启动按钮和锁定按钮。
传感器组件514包括一个或多个传感器，用于为装置500提供各个方面的状态评估。例如，传感器组件514可以检测到装置500的打开/关闭状态，组件的相对定位，例如所述组件为装置500的显示器和小键盘，传感器组件514还可以检测装置500或装置500一个组件的位置改变，用户与装置500接触的存在或不存在，装置500方位或加速/减速和装置500的温度变化。传感器组件514可以包括接近传感器，被配置用来在没有任何的物理接触时检测附近物体的存在。传感器组件514还可以包括光传感器，如CMOS或CCD图像传感器，用于在成像应用中使用。在一些实施例中，该传感器组件514还可以包括加速度传感器，陀螺仪传感器，磁传感器，压力传感器或温度传感器。
通信组件516被配置为便于装置500和其他设备之间有线或无线方式的通信。装置500可以接入基于通信标准的无线网络，如WiFi，2G或3G，或它们的组合。在一个示例性实施例中，通信组件516经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中，所述通信组件516还包括近场通信(NFC)模块，以促进短程通信。例如，在NFC模块可基于射频识别(RFID)技术，红外数据协会(IrDA)技术，超宽带(UWB)技术，蓝牙(BT)技术和其他技术来实现。
在示例性实施例中，装置500可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或 其他电子元件实现，用于执行上述方法。
在示例性实施例中，还提供了一种包括指令的非临时性计算机可读存储介质，例如包括指令的存储器504，上述指令可由装置500的处理器520执行以完成上述方法。例如，所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
一种非临时性计算机可读存储介质，当所述存储介质中的指令由移动终端的处理器执行时，使得移动终端能够执行上述图1或图2所示实施例提供的支付切换方法。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本公开的其它实施方案。本申请旨在涵盖本公开的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本公开的一般性原理并包括本公开未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本公开的真正范围和精神由下面的权利要求指出。
应当理解的是，本公开并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本公开的范围仅由所附的权利要求来限制。

Claims (21)

  1. 一种支付切换方法，其特征在于，所述方法包括：
    当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
    如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
    基于所述目标支付方式进行支付操作。
  2. 根据权利要求1所述的方法，其特征在于，如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
  3. 根据权利要求1所述的方法，其特征在于，当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
  4. 根据权利要求1所述的方法，其特征在于，当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡片显示界面。
  5. 根据权利要求2所述的方法，其特征在于，对终端硬件组件的指定操作包括下述任一操作：
    对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，
    对所述终端屏幕的预设操作；或，
    对所述终端的指纹识别模块的预设操作。
  6. 根据权利要求1所述的方法，其特征在于，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
  7. 根据权利要求1所述的方法，其特征在于，当所述已选中支付方式为第 二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
  8. 根据权利要求1所述的方法，其特征在于，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；
    或，
    所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
  9. 根据权利要求1所述的方法，其特征在于，当所述目标支付方式为第二支付方式时，基于所述目标支付方式进行支付操作包括：
    当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；
    或，
    扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；
    或，
    当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
  10. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
    相应地，基于所述目标支付方式进行支付操作包括：
    显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。
  11. 一种支付切换装置，其特征在于，所述装置包括：
    显示模块，用于当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
    确定模块，用于如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
    支付模块，用于基于所述目标支付方式进行支付操作。
  12. 根据权利要求11所述的装置，其特征在于，所述装置还包括第一触发模块，所述第一触发模块用于：如果终端处于锁屏状态下检测到对终端硬件组件的指定操作，触发所述界面显示指令。
  13. 根据权利要求11所述的装置，其特征在于，所述装置还包括第二触发模块，所述第二触发模块用于：当通过终端的NFC模块检测到预设距离内有指定类型设备时，触发所述界面显示指令。
  14. 根据权利要求11所述的装置，其特征在于，所述装置还包括第三触发模块，所述第三触发模块用于：当检测到对快捷图标的触发操作时，触发所述界面显示指令，所述快捷图标用于唤起所述虚拟卡片显示界面。
  15. 根据权利要求12所述的装置，其特征在于，对终端硬件组件的指定操作包括下述任一操作：对所述终端上预设物理按键的点击操作、连续点击操作或长按操作；或，对所述终端屏幕的预设操作；或，对所述终端的指纹识别模块的预设操作。
  16. 根据权利要求11所述的装置，其特征在于，当所述已选中支付方式为第一支付方式时，所述虚拟卡片显示界面中包括已开通所述第一支付方式的虚拟卡片列表，每张虚拟卡片代表已开通所述第一支付方式的虚拟银行卡。
  17. 根据权利要求11所述的装置，其特征在于，当所述已选中支付方式为第二支付方式时，所述虚拟卡片显示界面中包括已开通所述第二支付方式的账户列表，每张虚拟卡片代表已开通所述第二支付方式的账户信息。
  18. 根据权利要求11所述的装置，其特征在于，所述切换操作为对虚拟卡片显示界面的向右滑动操作或向左滑动操作；或，
    所述切换操作为对所述虚拟卡片显示界面中任一虚拟卡片列表的触发操作。
  19. 根据权利要求11所述的装置，其特征在于，所述支付模块用于：
    当接收到第一支付指令时，显示支付图形标识，通过其他终端对所述支付图形标识进行扫描，完成所述支付操作，所述支付图形标识用于指示已开通所述第二支付方式的账户信息；
    或，
    扫描收款图形标识，得到收款方的账户信息，根据已开通所述第二支付方式的账户信息和所述收款方的账户信息，完成所述支付操作；
    或，
    当接收到第二支付指令时，从指定存储区域读取支付账户信息，通过终端的NFC模块将所述支付账户信息发送至收款终端，完成所述支付操作，所述支付账户信息由服务器根据已开通所述第二支付方式的账户信息生成。
  20. 根据权利要求11所述的装置，其特征在于，所述装置还包括：
    列表生成模块，用于按照虚拟卡片的支付方式不同，生成各个支付方式的虚拟卡片列表；
    所述支付模块用于显示所述目标支付方式的虚拟卡片列表，基于所述目标支付方式的虚拟卡片列表进行支付操作。
  21. 一种支付切换装置，其特征在于，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    当接收到界面显示指令时，显示虚拟卡片显示界面，所述虚拟卡片显示界面包括至少两种支付方式；
    如果检测到对已选中支付方式的切换操作，将所述切换操作对应的支付方式确定为目标支付方式；
    基于所述目标支付方式进行支付操作。
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