WO2018049851A1

WO2018049851A1 - Payment method, mobile terminal and nfc terminal

Info

Publication number: WO2018049851A1
Application number: PCT/CN2017/087146
Authority: WO
Inventors: 高世英
Original assignee: 中兴通讯股份有限公司
Priority date: 2016-09-19
Filing date: 2017-06-05
Publication date: 2018-03-22
Also published as: CN107844972A

Abstract

Disclosed are a payment method, a mobile terminal and an NFC terminal. The method comprises: a mobile terminal being connected to a near field communication (NFC) terminal (S101), wherein the NFC terminal contains an NFC chip; the mobile terminal receiving an NFC payment instruction sent by the NFC terminal (S102), wherein the NFC payment instruction is an NFC payment instruction sent by an NFC card swiping machine received by the NFC terminal by means of the NFC chip; and the mobile terminal paying according to the NFC payment instruction (S103). The method can improve the security of a mobile terminal.

Description

Payment method, mobile terminal and NFC terminal

Technical field

The present application relates to the field of communication technologies, for example, to a payment method, a mobile terminal, and an NFC terminal.

Background technique

With the continuous development of technology, payment methods have become more and more diversified. Related payment methods include cash payment, credit card payment, scan code payment and Near Field Communication (NFC) payment. With the convenience of card payment, scan code payment and NFC payment, it has become a very mainstream payment method and is very popular among young people. However, the related NFC chip and payment software are all installed on the same mobile terminal, and the mobile terminal can complete the NFC payment separately. Once the mobile terminal is lost, it is possible for others to use the mobile terminal for NFC payment, which results in the security of the mobile terminal is not high.

Summary of the invention

The embodiments of the present disclosure provide a payment method, a mobile terminal, and an NFC terminal, which solve the problem that the security of the mobile terminal is not high.

An embodiment of the present disclosure provides a payment method, including:

The mobile terminal is connected to the near field communication NFC terminal, and the NFC terminal includes an NFC chip;

Receiving, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader;

The mobile terminal performs payment according to the NFC payment instruction.

The embodiment of the present disclosure further provides a mobile terminal, including:

a connection module configured to connect the mobile terminal to a near field communication NFC terminal, where the NFC terminal includes an NFC chip;

a first receiving module, configured to receive, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is that the NFC terminal receives NFC through the NFC chip The NFC payment instruction sent by the credit card machine;

And a payment module configured to: the mobile terminal performs payment according to the NFC payment instruction.

The embodiment of the present disclosure further provides an NFC terminal, including:

a connection module configured to connect the mobile terminal to the NFC terminal, where the NFC terminal includes an NFC chip;

a first receiving module, configured to receive, by the NFC terminal, an NFC payment instruction sent by an NFC card reader through the NFC chip;

The first sending module is configured to send, by the NFC terminal, the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.

Embodiments of the present disclosure also provide a computer storage medium having stored therein one or more programs executable by a computer, the one or more programs being executed by the computer to cause the computer to perform as described above A method for uploading an upgrade file.

An embodiment of the present disclosure further provides an electronic device, including:

At least one processor;

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor to perform the method described above.

One of the above technical solutions has the following advantages or benefits:

In an embodiment of the present disclosure, the mobile terminal is connected to a near field communication NFC terminal, and the NFC terminal includes an NFC chip; the mobile terminal receives an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is passed by the NFC terminal. The NFC chip receives an NFC payment instruction sent by the NFC card reader; the mobile terminal performs payment according to the NFC payment instruction. In this way, the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can not complete the payment, so that the security of the mobile terminal is improved.

BRIEF abstract

FIG. 1 is a flowchart of a payment method according to an embodiment of the present disclosure;

2 is a flowchart of another payment method according to an embodiment of the present disclosure;

FIG. 3 is a structural diagram of a mobile terminal according to an embodiment of the present disclosure;

FIG. 4 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure;

FIG. 5 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure;

FIG. 6 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure;

FIG. 7 is a structural diagram of an NFC terminal according to an embodiment of the present disclosure;

FIG. 8 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure;

FIG. 9 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure;

FIG. 10 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure;

FIG. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.

detailed description

In order to make the technical problems, technical solutions and advantages of the present disclosure more clear, the following detailed description will be made with reference to the accompanying drawings and embodiments.

As shown in FIG. 1 , an embodiment of the present disclosure provides a payment method, including the following steps:

Step S101: The mobile terminal is connected to a near field communication NFC terminal, where the NFC terminal includes an NFC chip.

Step S102: The mobile terminal receives an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader.

Step S103: The mobile terminal performs payment according to the NFC payment instruction.

In this embodiment, the near field communication is an emerging technology, and devices using NFC technology (such as mobile phones) can exchange data in close proximity to each other, and are integrated by contactless radio frequency identification and interconnection technology. It has evolved to enable mobile payment, electronic ticketing, access control, mobile identification and anti-counterfeiting applications by integrating inductive readers, inductive cards and peer-to-peer communication on a single chip.

In this embodiment, the NFC terminal may be a portable routing device, and may of course be a A mobile phone, as long as they contain an NFC chip are all possible. The mobile terminal is connected to the NFC terminal of the near field communication, and may be a connection through Wireless Fidelity (WIFI), a connection through Bluetooth, or a connection by other means. The embodiments of the present disclosure are not limited.

In this embodiment, the NFC card swiping machine may be a card swiping machine in a supermarket, and may be a card swiping machine in a shopping mall, or a card swiping machine of a toll booth is also possible.

In this embodiment, the mobile terminal performs payment according to the NFC payment instruction, which may be that the mobile terminal installs the payment software of the bank and performs payment by the bank payment software; or the mobile terminal installs the third-party payment software, and then passes Payment by third party payment software.

In the embodiment of the present disclosure, the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can complete the payment, so that the security of the mobile terminal is achieved. Got an improvement.

Optionally, before the mobile terminal is connected to the NFC terminal, the method further includes:

The mobile terminal sends a connection request to the NFC terminal, the connection request includes a physical address of the mobile terminal and an international mobile device identity, and the NFC terminal is configured to be based on a physical address of the mobile terminal and an international mobile device Determining whether the mobile terminal is bound to the NFC terminal;

Receiving, by the mobile terminal, a first response message sent by the NFC terminal in response to the connection request;

If the first response message indicates that the mobile terminal is bound to the NFC terminal, performing the step of connecting the mobile terminal to the NFC terminal;

If the first response message indicates that the mobile terminal is not bound to the NFC terminal, no connection is established.

In this embodiment, the physical address can be understood as a string of identifiers that the mobile terminal has when it leaves the factory, and the identifier is unique, that is, different mobile terminals have different identifiers. The above international mobile device identification is also a unique identifier of the mobile terminal. Generally, the international mobile device identification is composed of 15 digits, and the first 6 digits are “model approval number”, which generally represents the model. The next 2 digits are "most The post-assembly number" generally represents the place of origin. The last 6 digits are the "serial number", which generally represents the production sequence number. The last digit is usually "0", which is the check code, and the spare. The international mobile device identification is unique. Usually attached to the logo on the back of the phone, and read and write in the phone memory. It is also the "file" and "ID number" of the phone in the manufacturer.

In this embodiment, the foregoing NFC terminal is configured to determine whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier. The NFC terminal stores the physical address of the bound mobile terminal and the international mobile device identifier, which may be stored in a specific database or stored in a file.

In this embodiment, the foregoing first response message indicates that the mobile terminal is bound or not bound to the NFC terminal. For example, the first response message can contain a string of 001 or 000. When the 001 string is included, it indicates that the mobile terminal is bound to the NFC terminal. When the 000 string is included, it indicates that the mobile terminal is not bound to the NFC terminal. Of course, the character string may also be aaa or bbb or any self-defined string, which is not limited in this embodiment.

In the embodiment of the present disclosure, it is determined whether the mobile terminal is bound to the NFC terminal, and the connection is established after the binding, and the connection is not established without binding, so that the security of the mobile terminal is improved.

Optionally, after the mobile terminal sends the connection request to the NFC terminal, before the mobile terminal receives the first response message sent by the NFC terminal in response to the connection request, the method further includes:

Receiving, by the mobile terminal, a second response message that is sent by the NFC terminal in response to the connection request;

If the second response message indicates that the NFC terminal is not used by another mobile terminal, performing the step of the mobile terminal receiving the first response message sent by the NFC terminal in response to the connection request;

If the second response message indicates that the NFC terminal is used by another mobile terminal, no connection is established.

In this embodiment, the second response message may use different character strings to represent different information. For example, the use of the string 0001 indicates that the NFC terminal is used by other mobile terminals, and the use of the string 0000 indicates that the NFC terminal is not used by other mobile terminals. Of course, some other custom strings are also available here.

In the embodiment of the present disclosure, it is recognized whether the NFC terminal is occupied by accepting a message sent by the NFC terminal, thereby performing connection when the NFC terminal is not used, thereby performing normal work.

Optionally, after the mobile terminal performs the payment according to the NFC payment instruction, the method further includes:

The mobile terminal encrypts an NFC payment response command;

The mobile terminal sends an encrypted NFC payment response command to the NFC terminal.

In this embodiment, the encryption may be performed by using a WIFI network key, or may be secondary encryption by negotiation, or encryption by other encryption algorithms may be used here, and the encryption algorithm is The disclosed embodiments are not limited.

In the embodiment of the present disclosure, the NFC payment response instruction is encrypted, which improves the security of the mobile terminal.

As shown in FIG. 2, the embodiment of the present disclosure further provides another payment method, including the following steps:

Step S201: The NFC terminal is connected to the mobile terminal, and the NFC terminal includes an NFC chip.

Step S202: The NFC terminal receives an NFC payment instruction sent by the NFC card reader through the NFC chip.

Step S203: The NFC terminal sends the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.

In this embodiment, the foregoing NFC terminal, the NFC card swipe machine, and the payment according to the NFC payment instruction have been explained in steps S101 to S103, and details are not described herein again.

Optionally, before the NFC terminal is connected to the mobile terminal, the method further includes:

Receiving, by the NFC terminal, a connection request sent by the mobile terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier;

Determining, by the NFC terminal, whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier;

The NFC terminal sends a first response message to the mobile terminal in response to the connection request.

In this embodiment, the physical address of the mobile terminal and the international mobile device identifier have been explained, and details are not described herein again.

In the embodiment of the present disclosure, the NFC terminal determines whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier, and sends a first response message to the mobile terminal, where the response message may include binding information or unbinding. Information, so that the bound mobile terminal can get the correct feedback and connect, which enhances the security of the mobile terminal.

Optionally, after the NFC terminal receives the connection request sent by the mobile terminal, before the sending the first response message to the mobile terminal, the method further includes:

The NFC terminal sends a second response message to the mobile terminal in response to the connection request.

In this embodiment, the second response message may include a message occupied by the NFC terminal or a message that is not occupied, and the message may be in the form of a customized string, and different strings represent different meanings.

In the embodiment of the present disclosure, the NFC terminal sends a response message to the mobile terminal to let the mobile terminal know whether the NFC terminal is occupied, so that the mobile terminal can connect when the NFC terminal is not occupied, so that the normal operation can be performed.

Optionally, the method further includes:

Receiving, by the NFC terminal, an encrypted NFC payment response command sent by the mobile terminal;

The NFC terminal sends the NFC payment response command to the NFC card swiping machine.

In the embodiment of the present disclosure, the NFC terminal receives the encrypted NFC payment response command sent by the mobile terminal, and sends an NFC payment response command to the NFC card reader, which improves the security of the mobile terminal when the transaction is performed.

In an embodiment of the present disclosure, the NFC terminal is connected to the mobile terminal, and the NFC terminal includes an NFC chip; the NFC terminal receives an NFC payment instruction sent by the NFC card reader through the NFC chip; the NFC terminal sends the NFC terminal to the mobile terminal The NFC pays instructions to cause the mobile terminal to make a payment according to the NFC payment instruction. In this way, the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can not complete the payment, so that the security of the mobile terminal is improved.

As shown in FIG. 3, an embodiment of the present disclosure provides a structure of a mobile terminal, including the following modules:

The connection module 301 is configured to connect the mobile terminal to the near field communication NFC terminal, where the NFC terminal includes an NFC chip;

The first receiving module 302 is configured to receive, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader. ;

The payment module 303 is configured to perform, by the mobile terminal, payment according to the NFC payment instruction.

Optionally, as shown in FIG. 4, the mobile terminal further includes:

The first sending module 304 is configured to send, by the mobile terminal, a connection request to the NFC terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier, and the NFC terminal is configured to be configured according to the Determining, by the physical address of the mobile terminal, an international mobile device identifier, whether the mobile terminal is bound to the NFC terminal;

The second receiving module 305 is configured to receive, by the mobile terminal, a first response message that is sent by the NFC terminal in response to the connection request;

The connection module 301 is configured to: if the first response message indicates that the mobile terminal is bound to the NFC terminal, perform the mobile terminal to connect to the NFC terminal;

The connection module 301 is configured to not establish a connection if the first response message indicates that the mobile terminal is not bound to the NFC terminal.

Optionally, as shown in FIG. 5, the mobile terminal further includes:

The third receiving module 306 is configured to receive, by the mobile terminal, a second response message that is sent by the NFC terminal in response to the connection request;

The second receiving module 305 is configured to: if the second response message indicates that the NFC terminal is not used by another mobile terminal, perform the first response message that the mobile terminal receives the NFC terminal in response to the connection request ;

The second receiving module 305 is configured to not establish a connection if the second response message indicates that the NFC terminal is used by another mobile terminal.

Optionally, as shown in FIG. 6, the mobile terminal further includes:

The encryption module 307 is configured to encrypt, by the mobile terminal, an NFC payment response instruction;

The second sending module 308 is configured to send, by the mobile terminal, an encrypted NFC payment response instruction to the NFC terminal.

In this embodiment, the mobile terminal may be the mobile terminal in the embodiment shown in FIG. 1 to FIG. 2, and any implementation manner of the mobile terminal in the embodiment shown in FIG. 1 to FIG. 2 may be used in this embodiment. It is implemented by the mobile terminal and will not be described here. The security of the above mobile terminal is improved.

As shown in FIG. 7, the embodiment of the present disclosure provides a structure of an NFC terminal, including the following modules:

The connection module 401 is configured to connect the mobile terminal to the NFC terminal, where the NFC terminal includes an NFC chip;

The first receiving module 402 is configured to receive, by the NFC terminal, an NFC payment instruction sent by the NFC card reader through the NFC chip;

The first sending module 403 is configured to send, by the NFC terminal, the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.

Optionally, as shown in FIG. 8, the NFC terminal further includes:

The second receiving module 404 is configured to receive, by the NFC terminal, a connection request sent by the mobile terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier;

The determining module 405 is configured to determine, by the NFC terminal, whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier;

The second sending module 406 is configured to send, by the NFC terminal, a first response message to the mobile terminal in response to the connection request.

Optionally, as shown in FIG. 9, the NFC terminal further includes:

The third sending module 407 is configured to send, by the NFC terminal, a second response message to the mobile terminal in response to the connection request.

Optionally, as shown in FIG. 10, the NFC terminal further includes:

The third receiving module 408 is configured to receive, by the NFC terminal, an encrypted NFC payment response command sent by the mobile terminal;

The fourth sending module 409 is configured to send the NFC payment response command to the NFC card reader by the NFC terminal.

In this embodiment, the foregoing NFC terminal may be the NFC terminal in the embodiment shown in FIG. 1 to FIG. 2, and any implementation manner of the NFC terminal in the embodiment shown in FIG. 1 to FIG. 2 may be used in this embodiment. The implementation of the NFC terminal is not repeated here. The above NFC terminal can improve security.

It will be understood by those skilled in the art that all or part of the steps of implementing the above embodiments may be performed by hardware associated with program instructions, which may be stored in a computer readable medium, including when executed, including The following steps:

The mobile terminal performs payment according to the NFC payment instruction.

If the first response message indicates that the mobile terminal is bound to the NFC terminal, performing the The step of connecting the mobile terminal to the NFC terminal;

The mobile terminal encrypts an NFC payment response command;

The storage medium is, for example, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.

The embodiment of the present disclosure further provides a schematic structural diagram of an electronic device. Referring to FIG. 11, the electronic device includes:

At least one processor 110, which is exemplified by a processor 110 in FIG. 11; and a memory 111, may further include a communication interface 112 and a bus 113. The processor 110, the communication interface 112, and the memory 111 can complete communication with each other through the bus 113. Communication interface 112 can be used for information transfer. The processor 110 can invoke logic instructions in the memory 111 to perform the methods of the above-described embodiments.

In addition, the logic instructions in the memory 111 described above may be implemented in the form of a software functional unit and sold or used as a stand-alone product, and may be stored in a computer readable storage medium.

The memory 111 is a computer readable storage medium and can be used to store software programs, computer executable programs, and program instructions/modules corresponding to the methods in the embodiments of the present disclosure. The processor 110 executes the function application and the data processing by executing software programs, instructions, and modules stored in the memory 111, that is, implementing the payment method in the above method embodiments.

The memory 111 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function; the storage data area may store data created according to use of the terminal device, and the like. Further, the memory 111 may include a high speed random access memory, and may also include a nonvolatile memory.

The technical solution of the embodiments of the present disclosure may be embodied in the form of a software product stored in a storage medium, including one or more instructions for causing a computer device (which may be a personal computer, a server, or a network) The device or the like) performs all or part of the steps of the method described in the embodiments of the present disclosure. The foregoing storage medium may be a non-transitory storage medium, including: a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and the like. A medium that can store program code, or a transitory storage medium.

The above is an embodiment of the present disclosure, and it should be noted that those skilled in the art can also make several improvements and retouchings without departing from the scope of the embodiments of the present disclosure. It should be considered as the scope of protection of this disclosure.

Industrial applicability

The payment method, the mobile terminal and the NFC terminal provided by the application can improve the security of the mobile terminal.

Claims

A payment method comprising:

The mobile terminal is connected to the near field communication NFC terminal, and the NFC terminal includes an NFC chip;

Receiving, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader;

The mobile terminal performs payment according to the NFC payment instruction.
The method of claim 1, wherein before the mobile terminal connects to the NFC terminal, the method further comprises:

The mobile terminal sends a connection request to the NFC terminal, the connection request includes a physical address of the mobile terminal and an international mobile device identity, and the NFC terminal is configured to be based on a physical address of the mobile terminal and an international mobile device Determining whether the mobile terminal is bound to the NFC terminal;

Receiving, by the mobile terminal, a first response message sent by the NFC terminal in response to the connection request;

If the first response message indicates that the mobile terminal is bound to the NFC terminal, performing the step of connecting the mobile terminal to the NFC terminal;

If the first response message indicates that the mobile terminal is not bound to the NFC terminal, no connection is established.
The method according to claim 2, wherein after the mobile terminal transmits a connection request to the NFC terminal, the mobile terminal receives the first response message sent by the NFC terminal in response to the connection request, The method also includes:

Receiving, by the mobile terminal, a second response message that is sent by the NFC terminal in response to the connection request;

If the second response message indicates that the NFC terminal is not used by another mobile terminal, performing the step of the mobile terminal receiving the first response message sent by the NFC terminal in response to the connection request;

If the second response message indicates that the NFC terminal is used by another mobile terminal, no connection is established.
The method according to any one of claims 1 to 3, wherein after the mobile terminal performs payment according to the NFC payment instruction, the method further comprises:

The mobile terminal encrypts an NFC payment response command;

The mobile terminal sends an encrypted NFC payment response command to the NFC terminal.
A payment method comprising:

The NFC terminal is connected to the mobile terminal, and the NFC terminal includes an NFC chip;

Receiving, by the NFC chip, the NFC payment instruction sent by the NFC card reader through the NFC chip;

The NFC terminal sends the NFC payment instruction to the mobile terminal to cause the mobile terminal to perform payment according to the NFC payment instruction.
The method of claim 5, wherein before the connecting the NFC terminal to the mobile terminal, the method further comprises:

Receiving, by the NFC terminal, a connection request sent by the mobile terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier;

Determining, by the NFC terminal, whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier;

The NFC terminal sends a first response message to the mobile terminal in response to the connection request.
The method according to claim 6, wherein after the NFC terminal receives the connection request sent by the mobile terminal, the method further sends the first response message to the mobile terminal in response to the connection request include:

The NFC terminal sends a second response message to the mobile terminal in response to the connection request.
The method of any of claims 5-7, further comprising:

Receiving, by the NFC terminal, an encrypted NFC payment response command sent by the mobile terminal;

The NFC terminal sends the NFC payment response command to the NFC card swiping machine.
A mobile terminal includes:

a connection module configured to connect the mobile terminal to a near field communication NFC terminal, where the NFC terminal includes an NFC chip;

The first receiving module is configured to receive, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader;

And a payment module configured to: the mobile terminal performs payment according to the NFC payment instruction.
An NFC terminal, comprising:

a connection module configured to connect the mobile terminal to the NFC terminal, where the NFC terminal includes an NFC chip;

a first receiving module, configured to receive, by the NFC terminal, an NFC payment instruction sent by an NFC card reader through the NFC chip;

The first sending module is configured to send, by the NFC terminal, the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.
A non-transitory computer readable storage medium storing computer executable instructions arranged to perform the method of any of claims 1-4.
A non-transitory computer readable storage medium storing computer executable instructions arranged to perform the method of any of claims 5-8.