WO2018133178A1

WO2018133178A1 - Nfc-based data transmission method and mobile device

Info

Publication number: WO2018133178A1
Application number: PCT/CN2017/075632
Authority: WO
Inventors: 张艺宝
Original assignee: 华为技术有限公司
Priority date: 2017-01-20
Filing date: 2017-03-03
Publication date: 2018-07-26
Also published as: CN108604342A; CN108604342B

Abstract

Embodiments of the present application provide an NFC-based data transmission method, comprising: when a mobile device senses an NFC radio-frequency field, obtain situation information related to the environment where the mobile device is located, the situation information comprising at least one of geographical position where the mobile device is located, time, and specific situation information, the specific situation information being information related to NFC payment; the mobile device determines a simulation card for NFC payment based on the situation information; the mobile device selects the simulation card after receiving a confirm operation of a user; the mobile device performs NFC payment with an NFC card reader based on the selected simulation signal. By means of the technical solution provided by the embodiments of the present application, the mobile device is more intellectualized in NFC payment, improving the efficiency of the mobile device, reducing user operations, and improving user experience in NFC payment.

Description

Method for data transmission based on NFC and mobile device

This application claims the priority of the Chinese Patent Application filed on Jan. 20, 2017, filed on Jan. 20, 2011, filed Jan. In this application.

Technical field

The present invention relates to the field of data processing, and in particular, to a method and a mobile device for data transmission based on NFC.

Background technique

Near Field Communication (NFC) is a short-range high-frequency radio technology that operates at a distance of 10 cm at a frequency of 13.56 MHz ± 7 kHz. Its transmission speed is 106 Kbit/s, 212 Kbit/s or 424Kbit/s three. At present, NFC technology has become a relevant international standard and is widely used. NFC mobile devices (such as mobile phones, tablets, wearable electronic devices with wireless communication capabilities, etc.) are mobile devices with NFC hardware. NFC mobile devices can support many corresponding applications. In general, the mobile device described above has three application modes, a card reader mode, a point-to-point (P2P) mode, and a card emulation mode. In the card reader mode, the NFC mobile device is used as a contactless card reader. For example, read relevant information from the NFC tag of a poster or exhibition. In this mode, NFC mobile devices with read and write capabilities can collect data from NFC tags and then process the data. Typical scenarios based on this model include electronic advertisement reading and ticket sales, cinema ticket sales, and the like. For example, if an NFC tag is attached to a movie poster, the user can use the NFC-enabled mobile device to get close to the movie poster to obtain the movie details, or immediately use the credit card to purchase the movie ticket online. The card reader mode can also be used for simple data acquisition, such as bus station site information, park maps and other information. In point-to-point mode, two NFC mobile devices establish a connection to achieve point-to-point data transmission. Based on this mode, multiple NFC-enabled digital cameras, tablets, and mobile phones can be wirelessly interconnected for data exchange. Typical application scenarios based on this mode include quickly establishing a Bluetooth connection, exchanging contact business cards, and the like. In the card emulation mode, the NFC card reader is an active device that generates an NFC radio field, and the NFC mobile device is a passive device, simulating an NFC-compliant contactless RF card to perform data interaction with the NFC card reader. Mainly used in non-contact mobile payment scenarios such as shops and transportation. Users only need to close the NFC mobile device to the NFC card reader and enter the password to confirm the transaction or directly receive the transaction. This makes it possible to change the existing facilities. A contactless payment service can be performed using an NFC mobile device. Typical scenarios based on this model include local payments, access control, and the like.

In the card emulation mode, the current NFC mobile device can simultaneously support three types of analog cards, and the analog card refers to a radio frequency card that the mobile device simulates through NFC hardware. These three types of analog cards are bank cards, bus cards, and access cards. An NFC mobile device can support the above three types of analog cards at the same time. However, only one of the cards can be selected as the currently used analog card at a time. When the user manually selects a card, the user needs to judge the card to be selected according to the scenario in which the NFC analog card is used, and the operation procedure performed in the mobile device is very cumbersome, which seriously reduces the intelligence of the mobile device and the user. Pay Mutual capabilities also make mobile devices less efficient.

Summary of the invention

To solve the above technical problem, the embodiment of the present application provides a method for data transmission based on NFC and a mobile device, so that the mobile device can automatically select an analog card between different analog cards based on different scenarios when the user uses the NFC analog card. In order to meet the user's need for fast and convenient switching process, the intelligent interaction ability between the mobile device and the user is greatly improved.

In a first aspect, an embodiment of the present application provides a method for data transmission based on NFC, where the method is implemented on a mobile device with an NFC function, the method includes: the mobile device receives a touch operation of a user, and the touch operation may be Performing on the touch screen; the mobile device opens an application related to the NFC payment based on the touch operation; displaying a graphical user interface of the application on the mobile device; and acquiring, by the mobile device, context information related to the environment in which the mobile device is located The context information includes a geographical location, a time, and specific context information of the mobile device, and the specific context information may include at least one of the following messages: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, a mobile device a motion state in which the mobile device determines an analog card for performing NFC payment based on the scenario information; the mobile device prompts the determined analog card to the user; and after receiving the confirmation operation of the user, the mobile device selects the analog card The mobile device performs NFC based on the selected analog card and the NFC card reader Pay. The technical solution provided by the embodiment of the present application can make the mobile device more intelligent when performing NFC payment, thereby improving the efficiency of the mobile device, reducing the operation of the user, and improving the user experience for performing NFC payment.

In a possible embodiment, before the mobile device receives the touch operation of the user, the method may further include: the mobile device receiving and storing NFC payment information, where the NFC payment information includes a payment place and a payment time when the NFC is paid. And the payment amount; and the specific scenario information further includes the NFC payment information, so that the mobile device can determine the analog card for performing the NFC payment based on the geographical location, the time, the Wi-Fi hotspot broadcast message, and the NFC payment information. With this technical solution, the mobile device can be made to more accurately determine the required NFC analog card.

In a possible embodiment, at least two different types of analog cards are displayed in the graphical user interface of the application; when the mobile device displays the determined analog card to the user, the determined analog card can be enlarged. Display, other analog cards are displayed in a reduced size. In this way, the determined analog card can be highlighted to better prompt the user.

In a possible embodiment, before the mobile device performs NFC payment based on the selected analog card and the NFC card reader, in order to further improve the security of the NFC payment, the mobile device may allow the user to further perform biometric information (such as a fingerprint). Or iris) verification, after the user biometric information verification is passed, the mobile device performs NFC payment based on the selected analog card.

In a second aspect, the embodiment of the present application provides a method for data transmission based on NFC, where the method is implemented on a mobile device with an NFC function, and the method may include: when the mobile device senses an NFC radio frequency field, acquiring The context information related to the environment in which the mobile device is located, the NFC radio frequency field is sent by the NFC card reader, and the scenario information includes at least one of a geographical location, a time, and specific scenario information of the mobile device, the specific context information. Refers to the information related to the NFC payment, for example, the specific context information may be the product discount information sent by the Twitter friend, the discount information in the Wi-Fi hotspot broadcast message, etc.; the mobile device determines the simulation of performing the NFC payment based on the above scenario information. a card; the mobile device generates an analog card selection command based on the determined analog card; the mobile device selects a corresponding analog card according to the analog card selection instruction; the mobile device reads based on the selected analog card and NFC The card holder performs NFC payment. The technical solution provided by the embodiment of the present application can make the mobile device more intelligent when performing NFC payment, thereby improving the efficiency of the mobile device, reducing the operation of the user, and improving the user experience for performing NFC payment.

In this embodiment, when the mobile device senses the NFC radio frequency field, the scenario information related to the environment in which the mobile device is located is obtained, so that the mobile device can obtain high-efficiency acquisition when the scenario information is needed. It also ensures the accuracy and real-time of the acquired context information when the mobile device is ready to make NFC payment, further ensuring the convenience and security of NFC payment. Of course, in some other embodiments, obtaining context information related to the environment in which the mobile device is located may also occur before the mobile device senses the NFC radio frequency field. The advantage is that the mobile device can process related context information at any time, reducing Some steps in the NFC payment. In some other embodiments, the foregoing scenario information may also be acquired when receiving the NFC payment indication of the user, where the NFC payment indication may be a gesture operation performed by the user's finger on the touch screen of the mobile phone, and the gesture operation may be open. An application for NFC payment; for example, the NFC payment indication may also be a double tap of the mobile device's Home button.

In a possible embodiment, the specific context information may include at least one of the following messages: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, and a motion state in which the mobile device is located. Obtaining specific context information is also for the mobile device to more accurately determine the analog card that requires NFC payment.

In a possible embodiment, before the mobile device senses the NFC radio frequency field, the method may further include: the mobile device receiving and storing NFC payment information, where the NFC payment information includes a payment location and a payment time when the NFC is paid. , the amount paid.

In a possible embodiment, the specific context information further includes the NFC payment information, and therefore, the mobile device can determine to perform an NFC payment based on the geographical location, the time, the Wi-Fi hotspot broadcast message, and the NFC payment information. Analog card.

In a possible embodiment, when the mobile device determines the analog card based on the scenario information, the mobile device may illuminate the touch screen, and prompt the user to use the analog card under the interface of the lock screen; After confirming the operation, the mobile device selects the analog card for NFC payment when the screen is locked. Through the technical solution of the above embodiment, the mobile device lights the touch screen only when needed, thereby reducing power consumption.

In a third aspect, an embodiment of the present application provides a method for data transmission based on NFC, where the method can be implemented on a smart watch and a mobile phone, and the smart watch and the mobile phone can establish a wireless link by using a short-distance communication protocol, and the method can The method includes: when the smart watch senses the NFC radio frequency field, sending a notification message to the mobile phone through the wireless link; the mobile phone acquires context information related to the environment in which the mobile phone is located, where the context information includes the geographical location, time, and At least one of the specific context information, the specific context information may refer to information related to the NFC payment; the mobile phone determines an analog card for performing NFC payment based on the context information, and sends the analog card to the smart watch through the wireless link The instruction is selected; after receiving the analog card selection command, the smart watch selects the determined analog card; the smart watch performs NFC payment based on the selected analog card. In the embodiment, the technical solution jointly implemented on the mobile phone and the smart watch greatly improves the efficiency of performing NFC payment.

In a possible embodiment, after the smart watch selects the determined analog card, before the smart watch performs NFC payment based on the selected analog card, the method may further include: the smart watch detecting whether the wireless link with the mobile phone is normal. If the smart watch detects that the wireless link with the phone is normal, the smart watch makes NFC payment based on the selected analog card, or if smart When the watch detects that the wireless link with the mobile phone is disconnected, the smart watch terminates the NFC payment and prompts the user. In this way, the smart watch can further determine the security of the NFC payment according to whether the NFC payment is made according to the wireless connection with the mobile phone.

In a fourth aspect, the embodiment of the present application provides a mobile device that performs data transmission based on NFC, and the mobile device may specifically include: a touch screen, a processor, a memory, an NFC device, a positioning device, a Bluetooth device, a Wi-Fi device, or one a plurality of sensors, wherein: the touch screen receives a user's touch operation; the processor opens an application related to the NFC payment based on the touch operation, and displays a graphical user interface of the application on the touch screen; the processor acquires The context information related to the environment in which the mobile device is located, the context information includes a geographical location, time and specific context information of the mobile device collected by the positioning device, and the specific context information includes at least one of the following messages: An instant message, a Bluetooth broadcast message received by the Bluetooth device, a Wi-Fi hotspot broadcast message received by the Wi-Fi device, a motion state of the mobile device collected by the one or more sensors; The processor determines an analog card for performing NFC payment based on the context information; the processor determines the determination Analog cards by a user of the touch screen display; the processor after receiving a confirmation operation by the user, select the analog card; the NFC device for NFC payment with the NFC reader.

The description of the technical features, technical solutions, advantages, or similar language in this application is not intended to suggest that all features and advantages may be realized in any single embodiment. Rather, it is to be understood that a description of a feature or benefit is meant to include a particular technical feature, technical solution, or benefit in at least one embodiment. Therefore, descriptions of technical features, technical solutions, or advantageous effects in the present specification are not necessarily referring to the same embodiments. Further, the technical features, technical solutions, and advantageous effects described in the embodiment can also be combined in any suitable manner. Those skilled in the art will appreciate that embodiments may be implemented without one or more specific technical features, technical solutions, or advantages of the specific embodiments. In other embodiments, additional technical features and benefits may also be identified in a particular embodiment that does not embody all embodiments.

DRAWINGS

1 is a schematic diagram of a network environment in which mobile devices (eg, mobile phones, smart watches, etc.) are located in some embodiments;

2 is a schematic diagram showing the hardware structure of a smart watch in some embodiments;

3 is a schematic diagram showing the hardware structure of a mobile phone in some embodiments;

4 is a schematic structural view of an NFC device in some embodiments;

FIG. 5 is a schematic structural diagram of a smart watch and a mobile phone in some embodiments; FIG.

6 is a flow chart of a method for data transmission based on NFC in some embodiments;

7 is a schematic diagram of signaling interaction between an NFC card reader and a mobile device in some embodiments;

Figure 8 is a schematic diagram of a network framework involved in NFC payment in some embodiments;

9A-9F are schematic illustrations of graphical user interfaces for setting a default analog card on a mobile device, such as a smart watch, in some embodiments;

10 is a schematic diagram of a graphical user interface displayed on a touch screen of a mobile phone in some embodiments;

Figure 11 is a schematic illustration of a graphical user interface of an application "card package" in some embodiments;

12 is a schematic illustration of another graphical user interface of an application "card package" in some embodiments;

Figure 13 is a schematic illustration of another graphical user interface of an application "card package" in some embodiments;

14 is a schematic illustration of another graphical user interface of an application "card package" in some embodiments;

15 is a schematic diagram of a graphical user interface displayed when a mobile phone is locked in a screen in some embodiments;

16A is a schematic diagram of a scenario server and a client network framework in a mobile device in some embodiments;

16B is a schematic diagram of a network framework between a scenario server, a mobile phone, and a smart watch in some embodiments;

17 is a schematic diagram of an NFC payment process in some embodiments;

18 is a schematic diagram of another NFC payment process in some embodiments;

19 is a schematic diagram of another NFC payment process in some embodiments;

20 is a hardware framework diagram of a mobile device in some embodiments;

21 is a schematic flow chart of setting a default analog card for NFC payment in some embodiments;

22 is a schematic diagram of a framework of NFC payment in some embodiments;

23A is a schematic illustration of a graphical user interface displayed on a mobile device in some embodiments;

23B is a schematic illustration of another graphical user interface displayed on a mobile device in some embodiments;

24 is a schematic diagram of a graphical user interface displayed on a mobile device in still other embodiments.

detailed description

The terminology used in the description of the present invention is for the purpose of describing particular embodiments and is not intended to limit the invention. The singular expression "a", "an", "sai", "said", "the", "the" and "the" are intended to be used in the description of the invention and the appended claims. The plural expressions are included unless they are expressly indicated to the contrary. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

The mobile device in the following embodiments may be various mobile communication devices with NFC functions, for example, may be an NFC-enabled wearable electronic device (such as the smart watch 200 in FIG. 2), or may be the mobile phone shown in FIG. 300, which may also be a tablet computer or the like. The following embodiments do not particularly limit the specific form of the mobile device.

As shown in FIG. 1 , the present embodiment provides a smart watch 200 with an NFC function, which can wirelessly communicate with the wireless communication base station 100 or with the mobile phone 300 in a wireless manner. For example, the smart watch 200 can transmit a wireless signal to the base station 100 through the wireless communication link L1 through its own radio frequency circuit and antenna, and then request the base station 100 to perform wireless network service processing on the specific service requirements of the smart watch 200; for example, a smart watch. The 200 can be matched with the mobile phone 30 through its own Bluetooth. After the matching is successful, the data communication with the mobile phone through the Bluetooth communication link L2, and of course, the data communication with the mobile phone through other wireless communication methods, such as radio frequency identification technology, short-range wireless communication Technology, etc. The smart watch 200 can also detect data of various environments by its own various sensors. In addition, since the smart watch 200 can have an NFC function, the smart watch 200 can perform NFC communication with the NFC card reader 500 (for example, a POS machine having an NFC function, etc.) via the wireless communication link L3.

As shown in FIG. 2, the smart watch 200 may specifically include a body and a wristband (not shown in FIG. 2) connected to each other, wherein the watch body The touch screen 201, the NFC device 202, the processor 203, the micro control unit 204, the memory 205, the microphone 206, the ambient light sensor 207, the Bluetooth device 208, the positioning device 209, the heart rate sensor 210, the gravity acceleration sensor 211, and the power management system may be included. 213 (including power source 212), Wi-Fi device 214, and the like. Although not shown, the smart watch 200 may also include an antenna, a speaker, an accelerometer, a gyroscope, and the like.

The following describes each functional component of the smart watch 200:

The touch screen 201 includes a touch panel and a display panel, and the touch panel can be overlaid on the display panel. The touch panel can collect touch operations on or near the user of the smart watch 200 (such as a user using a finger, a stylus, or the like, any suitable object or accessory on or near the touch panel), and according to A preset program drives the connected connection device. The touch panel may include two parts of a touch detection device and a touch controller. Wherein, the touch detection device detects the touch orientation of the user, and detects a signal brought by the touch operation, and transmits the signal to the touch controller; the touch controller receives the touch information from the touch detection device, converts the touch information into contact coordinates, and sends the touch information. The processor 203 is provided and can receive commands transmitted by the processor 203 and executed. In addition, touch panels can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic waves. A display panel (generally referred to as a display screen) can be used to display information entered by the user or information provided to the user as well as various menus of the watch. Optionally, the display panel may be configured in the form of a liquid crystal display, an organic light emitting diode, or the like. The touch panel may be overlaid on the display screen. When the touch panel detects a touch operation on or near it, the touch panel transmits to the processor 203 to determine the type of the touch event, and then the processor 203 displays the type according to the type of the touch event. A corresponding visual output is provided on the screen. Although in FIG. 2, the touch panel and the display screen are used as two separate components to implement the input and output functions of the watch, in some embodiments, the smart watch 200 can be implemented by integrating the touch panel with the display screen. Input and output functions.

The NFC device 202 is used to provide an NFC function to the smart watch 200, which can have three application modes, namely a card reader mode, a peer-to-peer mode, and a card emulation mode. In some embodiments, the hardware structure of the NFC device may be as shown in FIG. 4, and the NFC device 202 may include an NFC controller 401, an NFC radio frequency circuit 402, and a Secure Element 403. The NFC controller 401 is respectively connected to the NFC radio frequency circuit 402 and the security unit 403, and is mainly used for modulation and demodulation of the contactless communication signal, controls input and output of data in the NFC device, and performs data interaction with the processor 203; NFC The RF circuit is connected to the NFC controller to realize the transmission and reception of the 13.56 MHz RF signal, and can be composed of an EMC filter circuit, a matching circuit, a receiving circuit, and an NFC antenna. The security unit 403 may include a memory, one or more processors, and the main function of the security unit is to implement secure storage of applications and data, and provide secure computing services externally. The security module also communicates with external devices through the NFC controller to achieve data storage and transaction security. It is noted that the security unit 403 can be a tamper-resistant component in a mobile device for providing security, confidentiality, and to support various application environments. The security unit 403 can exist in a variety of shapes, for example, the security unit 403 can be integrated in a Universal Integrated Circuit Card (UICC) such as a Subscriber Identity Module SIM card, an embedded security unit (on a circuit board of a mobile device), Secure Digital (SD) Card, micro SD card, etc. Moreover, security unit 403 can also include one or more applications executing in the context of security unit 403, such as in the operating system of security unit 403 and/or in the Java runtime environment running on security unit 403. Additionally, the one or more applications can include one or more payment applications that can be saved in the memory 205. The security unit 403 supports application secure transaction and secure data storage, supports downloading, installing, deleting, updating, etc. of multiple applications. The security unit 403 also supports secure isolation of application data. For security, the security unit may not allow different applications. Free access between; security unit 403 also Provides symmetric, asymmetric encryption algorithms and certificate capabilities for all types of payment needs, provides a program interface for secure transaction application access, and supports two-way communication with NFC controller 401 or processor 203.

The processor 203 is a control center of the smart watch 200, and connects various parts of the watch using various interfaces and lines, executes the watch 200 by running or executing an application stored in the memory 205, and calling data stored in the memory 205. Various functions and processing data. In some embodiments, the processor 203 can include one or more processing units; the processor 203 can also integrate an application processor and a modem processor, wherein the application processor primarily processes an operating system, a user interface, an application, and the like. The modem processor primarily handles wireless communications. It can be understood that the above modem processor may not be integrated into the processor 203. For example, the processor 203 may be a Kirin 960 chip manufactured by Huawei Technologies Co., Ltd.

The micro control unit 204 is configured to control various sensors, collect data of various sensors, perform preliminary operations on the data of the sensor, and communicate with the processor 203. The sensor may be an air pressure sensor, a heart rate sensor 210, a gravity acceleration sensor 211, Ambient light sensor 207 or other sensor. Other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, and the like which are also configurable in the watch will not be described here.

The memory 205 is used to store applications and data, and the processor 203 executes various functions of the watch 200 and data processing by running applications and data stored in the memory. The memory 205 mainly includes a storage program area and a storage data area, wherein the storage program area can store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.); the storage data area can be stored according to the use of the watch. The data created (such as audio data, phone book, etc.). Further, the memory may include a high speed random access memory, and may also include a nonvolatile memory such as a magnetic disk storage device, a flash memory device, or other volatile solid state storage device. The memory 205 can store an operating system that enables the smart watch to operate, such as the Watch operating system developed by Apple, Android developed by Google Inc.

Operating system, etc.

A positioning device 209 is provided for providing a geographic location to the watch 200. It can be understood that the positioning device 209 can be specifically a receiver of a positioning system such as a Global Positioning System (GPS) or a Beidou satellite navigation system, or a Russian GLONASS. After receiving the geographical location transmitted by the positioning system, the positioning device 209 sends the information to the processor 203 for processing, or sends it to the memory 205 for storage. In some other embodiments, the positioning device 209 can be a receiver for assisting an Global Positioning System (AGPS). The AGPS is an operation mode for performing GPS positioning with a certain assist, which can utilize the signal of the base station. The GPS satellite signal can make the watch 200 locate faster; in the AGPS system, the positioning device 209 can obtain positioning assistance by communicating with an auxiliary positioning server (such as a mobile phone positioning server). The AGPS system assists the positioning device 209 in performing the ranging and positioning services by acting as an auxiliary server, in which case the auxiliary positioning server communicates with the mobile device via the wireless communication network (eg, the watch 200, the positioning device 209 of the mobile phone 300 (ie, the GPS receiver) Providing location assistance in communication. In still other embodiments, the location device 209 may also be a Wi-Fi access point based location technology. Since each Wi-Fi access point has a globally unique MAC address The mobile device can scan and collect the broadcast signals of the surrounding Wi-Fi access points when Wi-Fi is turned on, so that the MAC address broadcasted by the Wi-Fi access point can be obtained; the mobile device can mark these The data of the Wi-Fi access point (such as the MAC address) is sent to the location server through the wireless communication network, and the location server retrieves the geographic location of each Wi-Fi access point and combines the strength of the Wi-Fi broadcast signal. The geographic location of the mobile device is calculated and sent to the location device 209 of the mobile device.

Wi-Fi device 214 for providing Wi-Fi network access to watch 200, watch 200 can be accessed through Wi-Fi device 214 To the Wi-Fi access point, which helps users to send and receive e-mail, browse the web and access streaming media, it provides users with wireless broadband Internet access. In still other embodiments, the Wi-Fi device 214 can also function as a Wi-Fi access point to provide Wi-Fi network access to other mobile devices.

The watch also includes a power source 212 (such as a battery) that supplies power to the various components. The power source 212 can be logically coupled to the processor 203 via the power management system 213 to enable functions such as managing charging, discharging, and power management through the power management system 213. The microphone 206 can convert the collected sound signal into an electrical signal, which is received by the audio circuit and converted into audio data; Bluetooth 208, the smart watch can exchange information with other electronic devices (such as the mobile phone 300) through the Bluetooth, and through the electronic device Connect to the network, connect to the server, and handle voice recognition.

The methods in the following embodiments can all be implemented in the smart watch 200 having the above-described hardware structure.

As shown in FIG. 3, the mobile device in this embodiment may also be the mobile phone 300. The embodiment will be specifically described below by taking the mobile phone 300 as an example. It should be understood that the illustrated mobile phone 300 is only one example of a mobile device, and the mobile phone 300 may have more or fewer components than those shown in the figures, two or more components may be combined, or Has a different component configuration. The various components shown in the figures can be implemented in hardware, software, or a combination of hardware and software, including one or more signal processing and/or application specific integrated circuits.

As shown in FIG. 3, the mobile phone 300 includes an RF (Radio Frequency) circuit 310, a memory 320, a touch screen 330, a positioning device 340, an NFC device 202, a sensor 350, an audio circuit 360, a Wi-Fi device 370, and a processor 380. And components such as power system 390. It will be understood by those skilled in the art that the structure of the handset shown in FIG. 3 does not constitute a limitation to the handset, and may include more or less components than those illustrated, or some components may be combined, or different component arrangements.

The components of the mobile phone 300 will be specifically described below with reference to FIG. 3:

The RF circuit 310 can be used to transmit and receive information and receive and transmit signals during a call. Specifically, the RF circuit 310 receives the downlink data of the base station and then processes it to the processor 380; in addition, transmits data related to the uplink to the base station. Generally, RF circuits include, but are not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, RF circuitry 310 can also communicate with other devices over a wireless communication network. The wireless communication network may use any communication standard or protocol including, but not limited to, global mobile communication systems, general packet radio services, code division multiple access, wideband code division multiple access, long term evolution, email, short message service, and the like.

The handset 300 can also include at least one sensor 350, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display panel of the touch screen 330 according to the brightness of the ambient light, and the proximity sensor may close the display panel when the mobile phone 300 moves to the ear. Power supply. As a kind of motion sensor, the accelerometer sensor can detect the magnitude of acceleration in all directions (usually three axes). When it is stationary, it can detect the magnitude and direction of gravity. It can be used to identify the gesture of the mobile phone (such as horizontal and vertical screen switching, related Game, magnetometer attitude calibration), vibration recognition related functions (such as pedometer, tapping), etc.; as for the mobile phone 300 can also be configured with gyroscopes, barometers, hygrometers, thermometers, infrared sensors and other sensors, here Let me repeat.

The audio circuit 360, the speaker 361, and the microphone 362 can provide an audio interface between the user and the handset 300. The audio circuit 360 can transmit the converted electrical data of the received audio data to the speaker 361, and convert it into a sound signal output by the speaker 361; On the other hand, the microphone 362 converts the collected sound signal into an electrical signal, which is received by the audio circuit 360 and then converted into audio data, and then the audio data is output to the RF circuit 310 for transmission to, for example, another mobile phone, or the audio data is output to Memory 320 is for further processing.

The processor 380 is a control center of the mobile phone 300, and connects various parts of the mobile phone using various interfaces and lines, and executes each of the mobile phones 300 by running or executing an application stored in the memory 320 and calling data stored in the memory 320. The function and processing of data to monitor the phone as a whole. In some embodiments, processor 380 can include one or more processing units; processor 380 can also integrate an application processor and a modem processor, where the application processor primarily processes operating systems, user interfaces, applications, and the like The modem processor primarily handles wireless communications. It will be appreciated that the above described modem processor may also not be integrated into the processor 380.

The handset 300 also includes a power system 390 (including a battery and power management chip) that powers the various components. The battery can be logically coupled to the processor 380 via a power management chip to manage functions such as charging, discharging, and power consumption through the power system 390. Although not shown, the mobile phone 300 may further include a camera, a Subscriber Identity Module (SIM) card slot, a peripheral interface (for connecting other input/output devices), and the like, and details are not described herein.

In some embodiments, the functions and functions of the components of the memory 320, the touch screen 330, the positioning device 340, the NFC device 202, the Wi-Fi device 370, the Bluetooth device 381, and the like in the mobile phone 300 may be the same as those in the smart watch 200 of the above embodiment. The functions and functions of the memory 205, the touch screen 201, the positioning device 209, the NFC device 202, the Wi-Fi device 214, and the Bluetooth device 208 are the same or similar, and the above components are not described too much herein.

It can be understood that in other embodiments, the smart watch 200 can adopt the same hardware structure as the mobile phone 300, but only is different in appearance from the mobile phone 300. Therefore, in this embodiment, the smart watch 200 and the mobile phone 300 Although the names are different, their functions and functions are the same; in the following embodiments, the smart watch 200 and the mobile phone 300 can adopt the same hardware structure unless otherwise specified.

In some embodiments, the security unit 403 of the NFC device 202 may also be encapsulated in a SIM card issued by a telecommunications carrier. This SIM card-based NFC payment method is welcomed by most telecom operators and is also reduced. The cost of the mobile phone manufacturer; in other embodiments, the security unit 403 can also be integrated in the processor 380 or stored separately in the memory 320, so that the security unit 403 can be independent of the mobile phone operating system and hardware, and supports encryption. Protocols to enhance access control, only authenticated applications can access security unit 403 and initiate NFC transactions, thus ensuring transaction security. In still other embodiments, the mobile device may also have no security unit 403, but the related functions of the security unit 403 may be implemented by an application running in the mobile device or a server in the network to implement NFC payment. This approach bypasses the hardware limitations of the mobile device 403. This technology is called Host-based Card Emulation (HCE) technology, such as NFC payment Android developed by Google Inc. Pay uses this technical solution.

In some other embodiments, as shown in FIG. 5, the security unit 403 may be disposed on the mobile phone 300, and the NFC controller 401 and the NFC radio frequency circuit 402 may be disposed on the smart watch 200. When the mobile phone and the smart watch establish a wireless connection through a short-distance communication technology (such as Bluetooth, Wi-Fi, etc.), the mobile phone 300 can serve as a master device to control the NFC payment through the smart watch 200, and the specific control includes NFC authentication and authentication. Wait. And when the mobile phone 300 is away from the smart watch 200, the wireless connection will be interrupted, that Whether attempting to make an NFC payment with the mobile phone 300 or attempting an NFC payment with the watch 200 will not succeed, so that NFC payment can be performed more securely on the mobile device. In still other embodiments, the security unit 403 can also be disposed on the smart watch 200, and the NFC controller 401 and the NFC radio frequency circuit 402 are disposed on the handset.

As shown in FIG. 6, the embodiment provides a method for data transmission by using NFC. The method may be implemented in the smart watch 200 or the mobile phone 300, or may be implemented by the smart watch 200 and the mobile phone 300. The method specifically includes the following steps:

Step 601: When the mobile device senses the NFC radio frequency field, acquire context information related to the environment where the mobile device is located, where the context information includes a geographical location, a time, and specific context information of the mobile device, where the specific context information is Refers to business information related to NFC payments.

As shown in FIG. 7, the NFC RF field is generally sent by an NFC card reader, and one of 106 Kbit/s, 212 Kbit/s or 424 Kbit/s can be selected as the transmission speed to communicate with the mobile device. The NFC device 202 of the mobile device can sense the RF field emitted by the NFC card reader. Specifically, the NFC antenna (or coil) of the mobile device 600 (eg, the cell phone 300, the smart watch 200) is an NFC card reader transmit antenna ( Or the load of the coil, such that the mobile device modulates the parameters of the antenna loop (such as resonance and detuning) so that the NFC reader is modulated so that the mobile device can transmit data back to the NFC reader at the same speed. Data transmission from the mobile device to the NFC reader with weak energy is achieved. The ability to obtain data backhaul through load modulation technology can significantly reduce mobile device power consumption and extend battery life.

The above scenario information refers to some specific information that the environment in which the mobile device is located reacts in the mobile device, that is, the environment in which the mobile device is located may be mapped to some information in the mobile device, where the environment in which the mobile device is located is Dataization in mobile devices. For example, if the mobile device is currently in a dark environment with very little light, then the reaction on the mobile device is information such as the ambient light intensity collected by the relevant sensor on the mobile device (such as an ambient light sensor), so that the mobile The light environment in which the device is located reacts to the mobile device. For another example, if the geographical location of the mobile device is Beijing, then the environment response is obtained by the positioning device of the mobile device on the mobile device, and then processed by the processor to obtain the geographic location of the mobile device is Beijing. The context information may also be the time of the mobile device, for example, when the mobile device senses the NFC radio frequency field, the mobile device is at 8 am on Wednesday. The above geographical location, time, etc. can be used as one of the consideration parameters when determining the analog card.

The context information may also be specific context information received by the mobile device. The specific context information may refer to service information related to the NFC payment. For example, the specific context information may be that the mobile device receives the broadcast message broadcast by the Bluetooth Beacon (such as 803 in FIG. 8) through the Bluetooth, for example, the broadcast message may be : "Good news! Enjoy a 20% discount on NFC payments with China Merchants Bank Credit Card in Beijing from December 3rd to 4th." The mobile device can determine, according to the content in the broadcast message, that the two days on December 3 and 4 are the payment discount date of the China Merchants Bank credit card in Beijing, and then the mobile device saves the specific context information in the memory and determines NFC as a follow-up. One of the consideration parameters of the analog card when paying. Similarly, the message broadcasted by the Wi-Fi wireless access point (such as 802 in FIG. 8) may also include specific context information that is the same as or similar to the above message, and the mobile device may be connected to the Wi-Fi. The in-point Wi-Fi link 805 receives the specific context information. The specific context information may also be specific content in a message such as a short message acquired by the mobile device through the network side, an instant message of the application, or the like, and the specific content may be related to or similar to the content of the Bluetooth broadcast message, indicating that the NFC payment is related. Business information, such as Facebook friends sent an instant message: "On December 3, using China Merchants Bank credit card for NFC payment in Beijing can be discounted!", then the mobile device passed The instant message can obtain a specific context information related to the NFC payment.

In some other embodiments, the specific context information may also be the state of motion of the mobile device. The mobile device collects relevant data through the various sensors mentioned in the above embodiments, and then can determine the motion state of the mobile device, such as running, walking, or stationary, based on the collected data. For example, the mobile device obtains the time at 7:30 am on Wednesday, and the acquired geographic location is at a certain bus stop. If the mobile device's motion state is still, it indicates that the user is on a bus such as a platform, then The mobile device can determine an analog card of the type of the bus card; if the acquired motion state of the mobile device is walking or running, it indicates that the user only passes the bus stop, and does not want to take the bus, so the mobile The device does not have to determine which analog card to use.

In some other embodiments, the specific context information may also be weather information of an environment in which the mobile device is located. It can be understood that the specific context information in this application includes but is not limited to the examples cited in the above embodiments.

In this embodiment, when the mobile device senses the NFC radio frequency field, the context information related to the environment in which the mobile device is located is obtained, so that the mobile device can obtain high-efficiency information when the situation information is needed. It ensures the accuracy and real-time of the acquired situation information when the mobile device is ready to make NFC payment, which further ensures the convenience and security of NFC payment. Of course, in some other embodiments, obtaining context information related to the environment in which the mobile device is located in step 601 may also occur before the mobile device senses the NFC radio frequency field, which has the advantage that the mobile device can process related scenarios at any time. Information reduces some of the operational steps in NFC payments. In some other embodiments, the scenario information may also be obtained when the NFC payment indication of the user is received, and the NFC payment indication may be a gesture operation performed by the user's finger on the touch screen 330 of the mobile phone 300, and the gesture operation may be performed. The application for NFC payment is opened; for example, the NFC payment indication may also be a double tap of the Home button of the mobile device.

The above scenario information may be stored in a memory of the mobile device for subsequent mobile device to read and process the context information, or may be displayed on the touch screen of the mobile device. In general, the more context information a mobile device obtains, the more accurate the results of the scenario information analysis. Therefore, in some other embodiments, the context information may include at least three types: a geographical location, a time, and specific context information of the mobile device, and the context information may further include, for example, a geographic location where the mobile device is located. the weather. Of course, it can be understood that the context information is not limited to the examples listed above.

Step 602: Based on the acquired context information, the mobile device determines an analog card for the NFC payment.

The analog card, that is, the RF card simulated by the mobile device in the card emulation mode, allows the mobile device to perform contactless mobile payment through NFC technology. For example, when the NFC device of the mobile device senses the NFC radio frequency field sent by the NFC card reader, the mobile device can obtain the following scenario information related to the device: the mobile device is in the morning at 8:00 am, then, The mobile device can determine that the analog card to be used by the mobile device is a bus card based on the above scenario information (time); for example, when the NFC device of the mobile device senses the NFC radio frequency field emitted by the NFC card reader, the mobile device can The current time to get the mobile device is 8:00 am on Wednesday and the location is in Shenzhen. Then, based on the above scenario information (time and geographical location), the mobile device determines that the NFC analog card to be used is “Shenzhen Tong” (a type in Shenzhen). The NFC card used in the public transportation system of the city; for example, when the mobile device receives the NFC payment instruction of the user, the mobile device acquires a geographical location in a Starbucks coffee shop in Shenzhen, and is connected via Wi-Fi. The broadcast message obtained by the entry point indicates that the NFC payment with the China Merchants Bank credit card is 20% off (ie, specific context information), then the mobile device is based on The above scenario information (geographic location and specific scenario information) determines the NFC branch The NFC simulation card to be used for payment is the China Merchants Bank Credit Card.

For another example, when the NFC device of the mobile device senses the NFC radio frequency field emitted by the NFC card reader, the mobile device acquires the following scenario information related to the device: the current time of the mobile device is 8:00 am on Wednesday, the geographic location It is a Starbucks coffee shop in Shenzhen. The broadcast message (ie, specific context information) obtained by the service set identifier (SSID) name for the Wi-Fi wireless access point of the Starbucks coffee shop indicates that the NFC payment is made with the China Merchants Bank credit card. Fold, the weather in the geographical location is heavy rain...etc., the mobile device can simultaneously obtain the above various scene information. Then, the mobile device analyzes and determines an analog card suitable for the environment in which the mobile device is located according to the foregoing multiple context information, and then selects the analog card for NFC payment. In some embodiments, for example, the bus card and the bank card may be separately scored based on the above scenario information.

S _T =K _D /D _T +E _T *K _S +inTraficTime(time)*K _T (1)

S _P =K _D /D _P +E _P *K _S (2)

The above formula (1) is a bus card score S _T calculation method, wherein: K _D represents the distance weight coefficient of the bus card, and D _T represents the distance between the nearest bus stop and the subway station from the mobile device. If the distance is greater than 500m, it is considered that there is no bus stop nearby; the distance is less than 1 meter, calculated by 1 meter. E _T represents the signal strength of the bus station Wi-Fi wireless access point, and K _S represents the weight coefficient of the signal strength of the Wi-Fi wireless access point, where K _S >K _D . InTraficTime (time) function, if the input time is morning and evening peak (for example, 06:00-09:30 is the morning peak of work, 17:00-20:00 is the peak of work late), the value is 1, and vice versa. K _T represents the weighting factor of morning and evening peak hours. The above formula (2) is a bank card score S _P calculation method, where: D _P represents the distance from the nearest store to the mobile device. If the distance is greater than 500m, it is considered that there is no store nearby; the distance is less than 1 meter, calculated by 1 meter. E _P represents the signal strength of the store Wi-Fi access point and Bluetooth beacon. K _S represents the weighting coefficient of the signal strength of the Wi-Fi wireless access point and the Bluetooth beacon.

Compare the bus card score S _{T in} formula (1) with the bank card score S _P in formula (2), and the larger score is the determined analog card (bus card or bank card).

In some other embodiments, if the determined analog card is a bank card, the mobile device may further determine whether there is activity information of the relevant store, and if there is a related preferential activity, perform an NFC payment with the active bank card as an option. Cards; if there are multiple banks with promotions, use the bank card recommended by the store to select the card.

It can be seen from the above that the mobile device can acquire various scenario information at an appropriate time, analyze and process the acquired various scenario information, and finally determine the analog card that needs to perform NFC payment. In this way, the mobile device can be made more intelligent when performing NFC payment, thereby improving the efficiency of the mobile device, reducing the operation of the user, and improving the user experience for performing NFC payment.

Step 603: The mobile device generates an analog card selection instruction based on the determined analog card.

Step 604: The mobile device selects a corresponding analog card according to the analog card selection instruction.

Step 605: The mobile device performs NFC payment with the NFC card reader according to the selected analog card.

In some embodiments, the mobile device may determine an NFC analog card according to the above scenario information, and generate an analog card selection command to send to the mobile device an application related to the NFC payment, and then the application according to the analog card selection instruction. Select the corresponding analog card; finally use the analog card to communicate with the NFC reader for NFC payment. In general, the mobile device can return payment-related data to the NFC reader through load modulation techniques.

In some other embodiments, step 603 may specifically include:

Step 6031: The mobile device prompts the user whether to use the determined analog card.

Step 6032: The mobile device determines whether an indication of the user's confirmation use is received. After receiving the indication of the user's confirmation use, step 6033 is performed, and after receiving the indication that the user's confirmation is not used, step 6034 may be performed;

Step 6033: Generate an analog card selection instruction, and perform step 604;

Step 6034: Receive the user's analog card selection instruction, and perform step 604. The scenario in this embodiment is applicable to: when the mobile device determines the analog card based on the scenario information, and prompts the user to re-confirm, but receives an indication that the user does not use the confirmation, and then the user manually selects an analog card to perform the process. The situation of NFC payments. Of course, in some other embodiments, after the mobile device receives the indication that the user's confirmation is not used, the user may also abandon (terminate) the NFC payment without selecting another analog card. In this scenario, in order to save power, The mobile device can disconnect the NFC from the power supply, making it impossible to make NFC payments. When the user needs to use NFC next time, the user can turn on the NFC payment function by turning on the NFC switch in the setting.

In some other embodiments, the foregoing method for data transmission based on NFC may further include the following steps:

Step 606: The mobile device receives the payment response message sent by the network side; the payment response message may be a message indicating that the NFC payment is successful, and may also indicate a message that the NFC payment fails;

Step 607: The mobile device prompts the user based on the payment response message.

When the payment response message indicates that the NFC payment is successful, the mobile device prompts the user that the NFC payment is successful based on the message; otherwise, when the payment response message indicates that the NFC payment failed. Based on the message, the mobile device prompts the user to fail the NFC payment. The manner of prompting/reminding may be various, such as lighting the touch screen 330 and displaying a message of success or failure of the NFC payment in the touch screen 330 to prompt the user, or prompting the user by playing the related audio through the speaker 361, or prompting the user by vibration. You can also use the above three methods to prompt at the same time.

It can be understood that in other embodiments, in order to save power and to further simplify the operation of the user, the above method steps can be performed with the touch screen power of the mobile device turned off. Of course, in order to make the result of the processing more accurate, the mobile device can also light up the screen when needed for the user to confirm.

FIG. 8 is a schematic diagram of a network framework involved in NFC payment in some embodiments. As shown in FIG. 8, after the NFC card reader 500 receives the payment-related payment data returned by the mobile device (for example, the mobile phone 300), the NFC card reader 500 performs preliminary processing on the obtained payment data, and then processes the result. The server 801 is sent to the server 801 on the network side through the wireless link 804. The server 801 mainly functions to perform NFC payment service distribution, authentication, and the like. After the server 801 receives the processing result, the server 801 sends the mobile phone 806 to the mobile phone. 300 sends a message that the NFC payment is successful (that is, the above payment response message), and then after receiving the message that the NFC payment succeeded by the server 801, the mobile phone 300 prompts the relevant message on the mobile phone 300 to indicate that the NFC payment is successful, so that the user The mobile phone 300 can send a message that the payment is successful to the smart watch 200 via the wireless link 807 (usually a Bluetooth link, etc.), and the smart watch 200 displays the message on the display 201 after receiving the message. Display A message indicating the success of the payment. It can be understood that the server 801 can also send a message of successful mobile payment to the smart watch 200 through the wireless link without passing through the mobile phone 300. In still other embodiments, in order to further ensure NFC payment security, after receiving the payment related payment data returned by the mobile device, the NFC card reader 500 performs preliminary encryption processing on the payment data. The server 801 can be sent to the server 801 on the network side through the wireless link 804. The server 801 performs authentication processing on the encrypted payment data, and can deliver the data to the NFC card reader 500 through the wireless link 804 after the authentication is passed. The authentication result is, for example, a message that the NFC payment authentication passes. Of course, the server 801 can also send a notification of the authentication result, that is, the mobile payment confirmation, to the mobile device (for example, the mobile phone 300) via the wireless link 806.

The user can also set a default analog card for NFC payment on the smart watch 200. Illustratively, as shown in FIG. 9A, a menu option of NFC payment is displayed on the touch screen 201 of the watch 200. The NFC emulation card may include various types of cards, for example, the icon 901 indicates a bank card, the icon 902 is a bus card, the icon 903 is an access card, and the icon 904 indicates that the default analog card selected by the user for the NFC payment is a bus card. When the user clicks on the icon 902, the next menu of the bus card is displayed on the touch screen of the smart watch, as shown in FIG. 9B. In the next level menu, for example, icon 9021 is an NFC bus card named Wuhan Tong, icon 9022 is an NFC bus card named Shenzhen Tong, and icon 9023 is named Yangchengtong (a type of public transportation system in Guangzhou). The NFC bus card of the analog card used, the icon 905 indicates that the geographical location of the smart watch is consistent with the geographic location (Shenzhen) used by the Shenzhen Express bus card by default. In other embodiments, the icon 905 is also It can be behind the icon 9021 (as shown in FIG. 9C), indicating that the geographic location of the smart watch is consistent with the geographic location (Wuhan) used by the Wuhan Tonggong card, and the icon 904 indicates the default bus set by the user. The card is Wuhan Tong. Therefore, from FIG. 9C, the default bus card (Wuhantong) set by the user is exactly the same as the geographical location (Wuhan) where the mobile device is located, so the setting is suitable. Through the above icon 904 and icon 905, when setting the default NFC payment analog card, the user can give the user an intuitive feeling from the graphical user interface (hereinafter referred to as GUI), so that the mobile device can better assist the user in selecting. A suitable default NFC emulation card. In some other embodiments, as shown in FIG. 9C, the geographic location of the mobile device is inconsistent with the default card for the NFC payment set by the user, and the mobile device can prompt the user through the speaker 361 "Your current setting. The default NFC payment for Wuhan is inconsistent with the Shenzhen you are in, whether it will be changed to Shenzhen by default?", or as shown in Figure 9D, by prompting the prompt box 906 on the touch screen 201 to prompt the user to change the default of NFC payment. The analog card, when the user clicks on the icon 908, the mobile device receives the touch event of the user and determines that the user wants to change the default analog card of the currently set NFC payment, the mobile device automatically changes the default analog card to Shenzhen Tong, as shown in FIG. 9E. The icon 904 and the icon 905 are respectively on the two sides of the icon 9022 "Shenzhen Tong", indicating that the set default analog card "Shenzhen Tong" is consistent with the geographical location (Shenzhen) where the mobile device is located. In the above embodiment, the mobile device determines whether the default analog card manually set by the user is suitable based on the default analog card (such as a bus card) set by the user and the geographical location of the mobile device. The way the device is automatically set up can more efficiently select the default analog card for NFC payment, so that the next NFC payment can be quickly paid.

In FIG. 9F, when the user makes a touch gesture of sliding up on the touch screen 201, the GUI displayed on the touch screen 201 can display more icons downward, such as the icon 9024, in an animated form. When the user selects the icon 9024 ("Auto Select"), it indicates that the mobile device can automatically set the analog card that is used by default when performing NFC payment based on various context information received by the mobile device. It can be understood that the steps in the foregoing embodiments can be performed in the scenario of automatically selecting a default analog card. This automatic setting method further improves the efficiency of NFC payment, and also makes the mobile device more intelligent and improves the user experience.

In some embodiments, the mobile device can also set the priority of the analog card used in making the NFC payment. For example, the mobile device can determine that the payment priority of the bus card is the highest, the priority of the access card is second, and the priority of the bank card is the lowest according to the user's previous usage habits (for example, the frequency of use of the NFC payment). In this scenario, when the user needs to select an analog card for NFC payment, the analog card that the mobile device preferentially provides to the user is a bus card. After receiving the operation that the user rejects the bus card, the mobile device can provide the mobile device again. The user has an access card until the user accepts an analog card. In some other embodiments, the mobile device can also automatically adjust the priority of the NFC payment according to the acquired various context information.

Illustratively, as shown in FIG. 10, is a GUI displayed on touch screen 330 of a mobile device (e.g., handset 300) in some embodiments. The GUI displays one of three main interfaces, and the displayed main interface has icons of various applications and other controls, for example, the icon 1001 indicates an application named "card package" when the user's finger touches 1002. When the icon 1001 is reached, the application is opened and the GUI of the application is displayed on the touch screen. Figure 11 is an exemplary GUI displayed after the application "card package" is opened. In the GUI, various cards included in the three types of analog cards are displayed; among them, the analog cards classified in the bank card 1101 include China Merchants Bank Credit Card, Bank of China Savings Card and Citibank Credit Card, which are classified in the bus card. The analog cards in 1102 include Yangchengtong, Wuhantong and Shenzhentong, and the analog cards classified in the access control card 1103 include the home access card and the company access card. It will be appreciated that other cards that utilize mobile barcodes (eg, two-dimensional codes, etc.) for mobile payments may also be included in the application.

When the mobile device receives the user's instruction to open the application, it indicates that the user needs to select an analog card for NFC payment. At this time, the mobile device can acquire context information related to the environment in which the mobile device is located. The mobile device then automatically determines the analog card to be selected based on the acquired context information. As shown in Figure 12, the mobile device can prompt the user whether to use this analog card. In FIG. 12, an enlarged analog card icon 1202 is displayed on the touch screen of the mobile device, and the icon 1202 indicates that the analog card determined by the mobile device based on the acquired context information is a Merchants Bank credit card, and at the same time, in the application Other analog cards are shrunk stacked together as shown by icon 1203. The prompt box 1201 indicates that the mobile device needs the user to confirm whether to use the analog card; when the user clicks on the icon 1204, it indicates that the user agrees to select the analog card automatically determined by the mobile device to perform NFC payment. As shown in FIG. 13, after the analog card is selected, the mobile device needs to be close to the NFC card reader for data transmission, so in order to further prompt the user, the prompt box 1301, 1302 can be displayed on the touch screen 330 for the user. Indicates that NFC payments are in progress, close to the NFC reader to complete the payment. As shown in FIG. 14 , after the NFC payment is completed by using the analog card, a prompt box 1401 may be displayed on the touch screen 330 to indicate that the NFC payment is successful, and some of the NFC payment using the analog card may also be displayed in the prompt box 1402. NFC payment information, such as the payment location at the time of NFC payment (in the picture, Shenzhen Starbucks Coffee Shop), payment amount, payment time, etc. In still other embodiments, the mobile device may store the above basic information at the time of the last or historical NFC payment in the memory 320, and the mobile device may be based on the context information acquired in the above embodiment and the above NFC payment. Information to determine the analog card that the mobile device needs to select, in order to provide the user with an analog card more intelligently and more accurately.

In still other embodiments, the mobile device may acquire the above-mentioned context information related to the environment in which the mobile device is located when sensing the NFC radio frequency field; and when determining the required analog card for the NFC payment based on the scenario information. The mobile device lights up the touch screen, and can prompt the user to select an automatically determined analog card under the lock screen interface. As shown in FIG. 15, when the mobile device determines the analog card based on the scenario information, the touch screen of the mobile device is illuminated. At this time, the lock screen is displayed on the touch screen, and the icon 1503 indicates that the mobile device is a lock screen interface, and the lock screen is displayed. The determined analog card, such as icon 1501, can also be displayed on the interface, with a prompt box 1502. Prompting the user to confirm whether the NFC payment needs to be made with the determined analog card; the user can press the physical button 1504 at the bottom of the mobile device, which indicates that the analog card automatically determined by the mobile device is confirmed by the user, and then moved The device selects the determined analog card for NFC payment according to the confirmation of the user; after the NFC payment is completed, the NFC payment success information can be displayed on the lock screen interface; and the touch screen can be extinguished after being displayed for a predetermined time (for example, 5 seconds). . In addition, if the NFC payment is made in the case of a lock screen, the relevant payment information (such as payment place, payment time, payment amount, etc.) may not be displayed after the NFC payment is successful, and the payment needs to be displayed after the user unlocks the screen. Information, which further ensures the security of NFC payments.

In still other embodiments, when the user performs NFC payment in the case of a lock screen, biometric information (eg, fingerprint, iris, etc.) verification may also be combined to further improve the security of the NFC payment. For example, in the above embodiment, when the mobile device selects the determined analog card, the mobile device further prompts the user to perform fingerprint or iris verification to perform the next NFC payment. NFC payment can only be made after the user has verified by fingerprint or iris.

In still other embodiments, the mobile device can automatically select and pay for the card without lighting the screen, without any operation by the user, especially when the determined analog card is a bus card. . This simplifies the steps and improves the user experience.

In some other embodiments, the mobile device (eg, mobile phone 300, smart watch 200, etc.) may also implement selection of an NFC analog card in conjunction with a server associated with the network side. In this embodiment, the NFC payment system framework is divided into two parts: a scenario server and a client installed on the mobile device, as shown in FIG. 16A. The scenario server determines the current card swiping expectation of the user of the mobile device based on the scenario information related to the mobile device reported by the client. The client dynamically sets the default analog card based on the analysis results of the scenario server. As shown in FIG. 17, the technical solution may include the following steps:

Step 1701: The mobile device acquires context information related to the mobile device. In this embodiment, the scenario information is collected mainly through the scenario intelligence module in FIG. 16A.

Step 1702: The mobile device sends the acquired context information to the scenario server through the wireless communication network.

Step 1703: The scenario server determines an NFC payment scenario of the mobile device based on the scenario information reported by the mobile device. For example, the context information is that the location of the mobile device is in a Starbucks coffee shop in Shenzhen, and the scenario server determines that the NFC payment scenario is currently consumed by the bank card; for example, the context information is that the location of the mobile device is in Shenzhen. The time is 8:00 am on Wednesday, then the scenario server determines that it is currently the NFC payment scenario for the Shenzhen bus card. It can be understood that the scenario information may include at least various types of scenario information involved in the foregoing embodiments, and the embodiment does not specifically limit the scenario information.

Step 1704: The scenario server generates an NFC configuration parameter according to the determined NFC payment scenario and sends the NFC configuration parameter to the mobile device. The NFC configuration command is used to instruct the mobile device to configure a default analog card for performing NFC payment. For example, the current NFC payment scenario for the Shenzhen bus card is the NFC configuration parameter for configuring the default bus card to be Shenzhen Tong. Illustratively, in FIG. 16A, the NFC configuration parameters sent by the scenario server on the network side are received by the contextual intelligence application (App).

Step 1705: The mobile device receives the NFC configuration parameter, and configures the analog card according to the NFC configuration parameter. Specifically, the scenario intelligence module notifies the system setting module to set a default analog card according to the received NFC configuration parameter, and the system setting module configures various NFC payment related application programs at the application layer according to the NFC configuration parameter. For example, the default emulation card for NFC payment for the system wallet App in FIG. 16A is a Merchants Bank credit card (a bank card), The default emulation card for the NFC payment of the operator's wallet App is Shenzhen Tong (a type of bus card).

Step 1706: The mobile device performs NFC payment with the NFC card reader according to the configured default analog card.

In this embodiment, the communication between the mobile device and the scenario server is utilized, and the powerful analog data processing capability of the scenario server is used to determine the default analog card, thereby improving the processing efficiency of the mobile device and avoiding waste of resources of the mobile device.

In still other embodiments, if the mobile device (eg, mobile phone 300) establishes a wireless connection with another mobile device (eg, smart watch 200) via a short-range communication protocol (eg, Bluetooth), then step 1706 above may specifically include :

Step 1706-1: The mobile phone sends the foregoing NFC configuration parameter to the smart watch through the short-distance communication protocol.

Step 1706-2: the smart watch receives the NFC configuration parameter, and configures the analog card according to the configuration parameter;

Step 1706-3: The smart watch performs NFC payment with the NFC card reader according to the configured analog card.

Illustratively, as shown in FIG. 16B, it is a specific application scenario of an embodiment of the present invention. The network side scenario server analyzes and determines the simulation card when the NFC payment is performed based on the scenario information reported by the scenario smart app in the mobile phone, and sends the configuration parameter of the simulation card to the scenario smart App; the scenario smart application is configured according to the configuration parameter. The analog card is set in the watch wallet App; the watch wallet App synchronizes the above configuration parameters to the wallet App of the smart watch through the short-distance communication protocol; the smart watch sets the analog card for NFC payment according to the synchronized configuration parameter; finally, the smart watch The RF field sent by the NFC reader is sensed, and the NFC payment process is completed through the NFC related communication protocol. The above embodiment is an NFC payment completed by a smart watch, and is a very flexible and efficient NFC payment method.

In still other embodiments, if there are two or more mobile devices, a wireless connection (such as smart watch 200 and mobile phone 300) is established through a short-range communication protocol such as Bluetooth, then the above scenario server can receive and The first context information related to the environment in which the smart watch 200 is located can also receive the second context information related to the environment in which the mobile phone 300 is located. The scenario server may determine the NFC default analog card to be configured based on the received first scenario information and the second context information. As shown in FIG. 18, the method provided in this embodiment may specifically include the following steps:

Step 1801: The smart watch acquires first scenario information related to the environment in which the smart watch is located, and sends the scenario information to the scenario server through the wireless communication network. In this step, the smart watch can send the first scene information to the mobile phone through Bluetooth, and then the first scene information is forwarded to the scene server by the mobile phone; or the smart watch can be sent to the scene server through another communication manner, and It does not need to be sent to the phone first and then forwarded by the phone. It can be understood that, for the scenario server to send the NFC configuration parameter more accurately, the first context information may include first identifier information that can uniquely identify the smart watch, for example, the first identifier information may be an international mobile of the smart watch. The device identity code (IMEI) may also be a globally unique identifier (UUID) of the smart watch, or may be a Wi-Fi MAC address of the smart watch or a Bluetooth MAC address.

Step 1802: The mobile phone acquires second context information related to the environment in which the mobile phone is located, and sends the scenario information to the scenario server. It can be understood that, for the scenario server to send the NFC configuration parameter more accurately, the second context information may include the second identifier information that can uniquely identify the mobile phone, for example, the second identifier information may be the IMEI of the mobile phone, or It is the UUID of the mobile phone, and it can also be the MAC address of the mobile phone's Wi-Fi or the MAC address of the Bluetooth.

Step 1803: The scenario server determines an NFC payment scenario of the mobile device (mobile phone or smart watch) based on the received first scenario information and the second scenario information.

Step 1804: The scenario server generates an NFC configuration parameter according to the determined NFC payment scenario, and sends the NFC configuration parameter. Giving a mobile phone corresponding to the first identification information or a smart watch corresponding to the second identification information; the NFC configuration instruction is used to instruct the mobile phone or the smart watch to configure a default analog card for performing NFC payment.

Step 1805: The mobile phone or the smart watch receives the NFC configuration parameter, and configures the default analog card according to the NFC configuration parameter. In this step, since the mobile phone and the smart watch establish a wireless connection through Bluetooth, the mobile phone as the master device can also determine how to configure the smart watch according to its own NFC configuration. For example, according to the NFC configuration parameters sent by the scenario server, the default analog card that the mobile phone needs to configure for NFC payment is Shenzhen Tong (bus card), and the smart watch needs to be configured as a Merchants Bank credit card (bank card), but the mobile phone needs to ensure NFC payment security. The NFC analog card configuration of the smart watch can be changed to Shenzhen Tong (bus card).

Step 1806: The mobile phone or the smart watch performs NFC payment with the NFC card reader according to the configured default analog card.

Through the technical solution of the embodiment, the scenario server simultaneously acquires scenario information of two mobile devices (the mobile phone 300 and the smart watch 200), so that the NFC analog card can be automatically configured more accurately and specifically, and the mobile device is also improved. operating efficiency.

Although the terms "first," "second," etc. may be used herein to describe various contextual information, such contextual information should not be limited by these terms. These terms are only used to distinguish one contextual information from another. For example, the first context information may be named as the second context information, and similarly, the second context information may also be named as the first context information without departing from the scope of the above-described embodiments.

In other embodiments, when a user has a mobile phone and a smart watch worn on the wrist, which mobile device the user uses for NFC payment may result in the selection of a different analog card. The smart watch and the mobile phone establish a wireless link through a short-range communication protocol such as Bluetooth. The technical solution of this embodiment will be described below in this scenario. In this embodiment, in conjunction with Figures 2, 3, 5, 19, the following steps can be performed:

Step 1901: When the smart watch senses the NFC radio frequency field, the notification message is sent to the mobile phone via Bluetooth.

Step 1902: After receiving the notification message, the mobile phone acquires scenario information related to the environment in which the mobile phone is located, and the scenario information includes at least one of a geographical location, a time, and specific scenario information of the smart watch. The specific context information herein has the same meaning as the specific scenario information described in the above embodiments, and details are not described herein again. In this step, since the smart watch establishes a wireless link with the mobile phone through a short-range communication protocol such as Bluetooth, the mobile phone as the master device can also acquire the scene information of the smart watch as the slave device.

Step 1903: The mobile phone determines, according to the acquired context information related to the mobile phone, an analog card that performs NFC payment;

Step 1904: The mobile phone sends an analog card selection instruction to the smart watch through a short-range communication protocol such as Bluetooth;

Step 1905: After receiving the analog card selection instruction, the smart watch selects the determined analog card;

Step 1906: The smart watch performs NFC payment based on the selected analog card, and can feed back a response message of the NFC payment to the mobile phone.

In the above embodiment, by the data interaction between the mobile phone 300 and the smart watch 200, the selection of the NFC analog card can be automatically completed, and the NFC payment can be quickly performed. The solution further improves the efficiency of the mobile device, and also reduces the power consumption of the smart watch 200, while also improving the user experience.

In some other embodiments, after the smart watch receives the analog card selection instruction, before performing the NFC payment, the method may further include:

Step 1907: The smart watch detects whether the wireless link with the mobile phone is normal. If the smart watch detects that the wireless link is disconnected from the mobile phone, step 1908 is performed. If the smart watch detects that the wireless link with the mobile phone is normal, Then step 1906 is performed.

Step 1908: The smart watch terminates the process of performing the NFC payment and prompts the user.

The above embodiment can further ensure the security of the NFC payment by detecting whether the wireless link (for example, Bluetooth connection) with the mobile phone is normal by the smart watch.

In some other embodiments, step 1901, step 1902, and step 1903 may also be:

Step ^19011: When the NFC smart watch RF induction field associated with the smart watch smart watch acquires the environment information of the scene;

Step ^19021: the smart watch to send the acquired context information to mobile phones;

Step ^19031: phone scenarios based on information related to the acquisition of smart watch to determine an NFC payments analog cards.

In this further embodiment, the acquired contextual information is about the watch, and the final NFC payment is also a smart watch, which is also a more flexible NFC payment solution.

As shown in FIG. 20, the embodiment of the present application provides a mobile device that performs data transmission based on NFC. The mobile device may perform the method in the foregoing embodiment, where the mobile device may specifically include: a touch screen 2001, a processor 2002, a memory 2003, an NFC device 2004, a positioning device 2005, a Bluetooth device 2006, a Wi-Fi device 2007, one or more The sensors 2008 may be connected by a communication bus 2009, wherein the touch screen 2001 receives a touch operation of the user; the processor 2002 opens an application related to the NFC payment based on the touch operation, and is on the touch screen 2001. Displaying a graphical user interface of the application; the processor 2002 acquires context information related to an environment in which the mobile device is located, the context information including a geographic location, time, and specificity of the mobile device collected by the positioning device 2005 Scenario information, the specific context information including at least one of an instant message, a Bluetooth broadcast message received through the Bluetooth device 2006, a Wi-Fi hotspot broadcast message received through the Wi-Fi device 2007, by the The motion state of the mobile device collected by one or more sensors 2008; the processor 20 Determining, by the scenario information, an analog card for performing NFC payment; the processor 2002 displays the determined analog card to the user through the touch screen 2001; and after receiving the confirmation operation of the user, the processor 2002 selects the analog card; the NFC The device 2004 performs an NFC payment based on the selected analog card and the NFC card reader. The memory 2003 can store payment information, such as a payment place, a payment time, a payment amount, and the like, which are received after the completion of the NFC payment.

As shown in FIG. 21, a method for setting a default analog card for NFC payment is provided in this embodiment. The method may be implemented in the mobile device in the foregoing embodiment. The method may include the following steps:

Step 2101: The mobile device obtains the geographical location in which it is located.

Step 2102: The mobile device determines, according to the geographic location, whether a bus card corresponding to the geographic location is configured. When the mobile device determines that the mobile device is configured with a bus card corresponding to the geographic location, step 2103 is performed; when the mobile device determines that there is no bus card corresponding to the geographic location, step 2104 is performed.

Step 2103: The mobile device configures the bus card as a default analog card for NFC payment.

Step 2104: The mobile device acquires a broadcast message of the Wi-Fi wireless access point or a broadcast message sent by the Bluetooth beacon.

Step 2105: The mobile device determines whether it is in a consumer interest point based on the above broadcast message. The mobile device can determine/determine whether the location where the mobile device is located is a consumer interest point such as a supermarket, a restaurant, etc. according to the SSID of the Wi-Fi wireless access point.

Step 2106: When the mobile device determines that the consumer is in a consumer category, the mobile device configures the default analog card for the NFC payment as a bank card.

Step 2107: When the mobile device determines that the point of interest is not in the consumer category, the mobile device determines the current time;

Step 2108: Move to configure different default analog cards according to the current time. For example, if the current time is 8:00 in the morning, configure the default analog card as the bus card. If the current time is 10:00, configure the default analog card as the access card, or the simulation that the mobile device will use for the last NFC payment. The card acts as the default analog card.

The foregoing method embodiment is applicable to the following scenario: for example, if the location of the mobile device is Shenzhen, the mobile device determines whether a bus card (such as Shenzhen Tong) used in Shenzhen is configured. If the mobile device is configured with Shenzhen Tong, the analog card is configured as a default analog card for NFC payment; if the mobile device is not configured with Shenzhen Tong, the mobile device obtains a broadcast message or Bluetooth of a nearby Wi-Fi wireless access point. The broadcast message sent by the beacon, for example, the mobile device can search for a nearby Wi-Fi access point, and then automatically or through the user's selection to join the wireless access point, thereby acquiring the broadcast message of the wireless access point. The mobile device can determine whether it is in a consumer interest point according to the above broadcast message. For example, if a mobile device establishes a Wi-Fi connection with a wireless access point whose SSID name is a Starbucks coffee shop, the mobile device can determine the point of interest in the consumer based on the SSID name (Starbucks Coffee Shop), then move The default analog card selected when the device is configured for NFC payment is a bank card. If the mobile device determines that the point of interest (ie, the geographic location) is non-consumer, the analog card used when the NFC payment was last made may be used as the default analog card, so that the NFC payment can be made next time.

In some other embodiments, after the mobile device acquires the geographic location (step 2101), the mobile device can also determine whether the geographic location is near the home or near the company, and if so, select the corresponding access card as the default simulation. card.

As shown in FIG. 22, in still other embodiments mobile device 600 can include NFC device 601, memory 602, processor 603, and the like. The NFC device 601 includes an NFC controller 6011, a security unit 6012, and an NFC radio frequency circuit 6013. The memory 602 of the mobile device 600 also stores an application for performing NFC payment based on the HCE technology, such as a bank flash payment App 604, based on the SIM card (inside) An embedded security unit) an application that performs NFC payment, such as the operator wallet App 605, and an application that performs NFC payment based on the full terminal, such as the system wallet App 606 and the like. A SIM card 607 of the embedded security unit is housed in the SIM card slot of the mobile device, and the SIM card 607 is coupled to the NFC radio frequency circuit 6013 on the mobile device 600 via the NFC controller 6011. The memory 602 may further include a contextual smart App 608 for acquiring context information related to the environment in which the mobile device 600 is located, and analyzing based on the context information to determine an analog card when the NFC payment is made. Specifically, the contextual smart app can receive various context information collected by, for example, the Bluetooth device 610, the positioning device 611, the Wi-Fi device 612, and the sensor 613. In addition, it can be understood that the scenario information in this embodiment may be the same or similar meaning as the scenario information in the above embodiment.

When the scenario smart app 608 determines an analog card based on the scenario information, the notification system setting module 609 is in the application corresponding to the analog card (eg, bank flash payment app 604, carrier wallet App 605, system wallet App). 606) configuring the analog card to perform NFC payment with the default analog card at the time of payment, and the system setting module 609 can. Such as situational intelligence Based on the above scenario information, the App determines that the NFC payment can be currently performed using the China Merchants Bank credit card, and the system setting 209 configures the analog card of the bank flash payment App 604 and simulates an analog card, and the bank flash payment App 604 can be connected with the network side. Payment server 614 communicates. After the payment server 614 passes the verification, the App can make an NFC payment with the NFC card reader 615 based on the NFC device (specifically, the NFC controller, NFC antenna) on the mobile device 600. For example, the contextual smart app determines that the bus card (Shenzhen Pass) can be used according to the above scenario information, and the bus card is in the operator wallet App, and the system setting module 609 configures the operator wallet App 605 and simulates a piece. The analog card, the NFC controller 6011 communicates with the security unit embedded in the SIM card 607. After the verification is passed, the operator wallet App can be based on the NFC device (specifically, the NFC controller, the NFC antenna) and the NFC card reader 615. NFC payment; for example, the contextual smart app determines that the NFC payment can be made using the analog card of the system wallet App, such as Apple Pay, Huawei Pay, etc. in the system wallet App; then the system setting module 609 configures the system wallet App 606 An analog card, the NFC controller 6011 communicates with the security unit 6012. After the verification is passed, the analog card in the system wallet App can perform NFC payment based on the NFC device and the NFC card reader 615.

In other embodiments, the mobile device 600 can also implement the determination and selection of the NFC analog card in conjunction with the scenario server 616 on the network side. The specific implementation steps are detailed in the foregoing embodiments, and details are not described herein again.

In still other embodiments, the mobile device 600 illustrated in FIG. 22 can also perform all of the method steps of the above-described embodiments.

The above scenario smart app 608 and system setup module 609 can also be integrated to perform the above functions.

It can be understood that the mobile device 600 in this embodiment may include other hardware mentioned in the foregoing embodiment, such as a camera, a subscriber identity module (SIM) card slot, in addition to the foregoing hardware and software shown in FIG. Peripheral interface, etc.

In some other embodiments, when the user reaches from another city to another city, the mobile device can intelligently recommend a suitable analog card such as a bank card, a bus card, etc., and the smart recommendation may be based on the geographic location of the mobile device and Specific context information related to NFC payments is determined. As shown in FIG. 23A, for example, when the user arrives in Shenzhen from Wuhan, relevant push information is displayed on the touch screen of the mobile device, and the prompt box 2301 indicates that the mobile device 600 has set up the analog card used by the user in Shenzhen. The bank card used by default in the city is the Citibank credit card shown by the icon 2302. The control 2303 indicates that the user can manually replace the bank card used in the city by default. When the user clicks the control 2303, as shown in FIG. 23B, the mobile phone is moved as shown in FIG. 23B. The device 600 can display a plurality of bank cards to the user for the user to manually select a default bank card for NFC payment. When the user clicks on the icon 2311, it indicates that the user has selected a Chinese bank deposit card (as indicated by icon 2310) as the default bank card. In FIG. 23A, icon 2304 indicates that the bus card used by default in the city is Shenzhen Tong, and control 2305 indicates that the user can also manually change the bus card. When the user clicks on the control 2305, the mobile device 600 can display multiple bus cards to the user. The user makes a selection. Icon 2306 indicates that other cards used by default in the city are Starbucks membership cards, and control 2307 indicates that the user can also manually change cards. Through the above intelligent configuration, the mobile device can automatically configure the default analog card, which makes it more convenient for users to make payments. After the setup is complete, when the mobile device 600 receives the user's NFC payment indication, the mobile device 600 can determine the particular geographic location in which it is located and then use the corresponding default analog card. For example, the user double-clicks the home button (as shown by icon 2308 in FIG. 23) to perform NFC payment, and the mobile device 600 determines that the location is at a certain bus stop, and the mobile device 600 calls the default bus card (Shenzhen Tong). Making an NFC payment, if the mobile device 600 determines that the location is a store, the mobile device 600 invokes a default bank card (Citibank credit card) for NFC Pay. In some other embodiments, the mobile device can self-learn to achieve a more accurate smart recommendation card. For example, the bank card that the user used to use in Shenzhen last time is the China Merchants Bank credit card. Other cards that are frequently used are Sam's membership card. Then, when the user comes to Shenzhen next time, the mobile device is based on the user's last card usage in Shenzhen. The default bank card recommended to the user is the Merchants Bank credit card. The default other card is the Sam membership card. As shown in FIG. 24, the prompt box 2401 indicates that the card displayed on the display screen of the mobile device is a corresponding default analog card set according to the user's last use of the card in Shenzhen. It can be understood that the recommended card user can also be manually replaced by the

controls

2403, 2405, 2407.

As used in the above embodiments, the term "when" can be interpreted to mean "if" or "after" or "in response to determining" or "in response to detecting", depending on the context. Similarly, depending on the context, the phrase "when determining..." or "if detected (condition or event stated)" can be interpreted to mean "if determined..." or "in response to determining... "or "when detected (conditions or events stated)" or "in response to detection (conditions or events stated)".

It should be noted that those skilled in the art can understand that all or part of the process of implementing the foregoing embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage. In the medium, the program, when executed, may include the flow of an embodiment of the methods as described above. The storage medium may be a magnetic disk, an optical disk, a read only memory or a random access memory.

For the purposes of explanation, the foregoing description has been described by reference to the specific embodiments. However, the above exemplary discussion is not intended to be exhaustive or to limit the invention to the precise form disclosed. Many modifications and variations are possible in light of the above teachings. The embodiments were chosen and described in order to explain the principles of the embodiments of the invention, An embodiment.

Claims

A method for data transmission based on NFC, the method being implemented on a mobile device with NFC function, wherein the method comprises:

The mobile device receives a touch operation of a user;

Responding to the touch operation, the mobile device opens an application related to an NFC payment;

Displaying a graphical user interface of the application on the mobile device;

The mobile device acquires context information related to an environment in which the mobile device is located, the context information includes a geographic location, time, and specific context information in which the mobile device is located, the specific context information including at least one of the following messages One type: instant message, Bluetooth broadcast message, Wi-Fi hotspot broadcast message, motion state of the mobile device;

The mobile device determines an analog card for performing NFC payment based on the scenario information;

The mobile device prompts the determined analog card to the user;

After the mobile device receives the confirmation operation of the user, selecting the analog card;

The mobile device performs an NFC payment based on the selected analog card and the NFC card reader.
The method of claim 1, wherein before the mobile device receives a touch operation by a user, the method further comprises: the mobile device receiving and storing NFC payment information, the NFC payment information including an NFC payment Place of payment, time of payment, amount of payment;

The specific scenario information further includes the NFC payment information, and the mobile device determines, according to the scenario information, an analog card that performs an NFC payment, specifically:

The mobile device determines an analog card that performs an NFC payment based on the geographic location, time, Wi-Fi hotspot broadcast message, and NFC payment information.
The method of claim 1 or 2, wherein the graphical user interface of the application displays at least two different types of analog cards; when the mobile device prompts the determined analog card to the user The determined analog card is displayed in an enlarged manner, and other analog cards are displayed in a reduced size.
A method for data transmission based on NFC, the method being implemented on a mobile device with NFC function, wherein the method comprises:

Obtaining, when the mobile device senses an NFC radio frequency field, context information related to an environment in which the mobile device is located, the scenario information including at least one of a geographical location, a time, and specific context information of the mobile device The specific context information includes at least one of the following messages: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, and a motion state of the mobile device;

Determining, by the mobile device, an analog card that performs an NFC payment based on the context information;

The mobile device generates an analog card selection instruction based on the determined analog card;

The mobile device selects a corresponding analog card according to the analog card selection instruction;

The mobile device performs an NFC payment based on the selected analog card and the NFC card reader.
The method of claim 4, wherein the specific context information comprises at least one of the following messages: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, a state of motion in which the mobile device is located.
The method of claim 4, wherein the mobile device determines the analog card for performing the NFC payment based on the context information, and specifically includes:

The mobile device prompts the user to perform an NFC payment analog card based on the context information;

The mobile device determines the analog card upon receiving a confirmation operation by the user.
The method of claim 6 wherein prior to said mobile device sensing an NFC radio frequency field, said method further comprising: said mobile device receiving and storing NFC payment information, said NFC payment information comprising NFC payment The place of payment, the time of payment, and the amount of payment.
The method of claim 7, wherein the specific context information further comprises the NFC payment information, and the mobile device determines, based on the context information, an analog card that performs NFC payment, specifically: the mobile device An analog card for making an NFC payment is determined based on the geographical location, time, Wi-Fi hotspot broadcast message, and NFC payment information.
The method according to any one of claims 4 to 7, wherein the analog card is one of a bank card, a bus card, and an access card.
A method for data transmission based on NFC, the method being implemented on a smart watch and a mobile phone, the smart watch and the mobile phone establishing a wireless link by a short-range communication protocol, the method comprising:

Sending a notification message to the mobile phone through the wireless link when the smart watch senses the NFC radio frequency field;

The mobile phone acquires context information related to an environment in which the mobile phone is located, where the context information includes at least one of a geographical location, a time, and specific context information, where the specific context information refers to NFC Pay relevant information;

The mobile phone determines an analog card for performing NFC payment based on the scenario information, and sends an analog card selection instruction to the smart watch through the wireless link;

After receiving the analog card selection instruction, the smart watch selects the determined analog card;

The smart watch makes an NFC payment based on the selected analog card.
The method of claim 9, wherein after the smart watch selects the determined analog card, before the smart watch performs NFC payment based on the selected analog card, the method further comprises:

The smart watch detects whether the wireless link with the mobile phone is normal;

If the smart watch detects that the wireless link with the handset is normal, the smart watch is based on the selected Analog card for NFC payment, or

If the smart watch detects a disconnection of the wireless link with the handset, the smart watch terminates the NFC payment and prompts the user.
The method of claim 4, wherein the specific context information comprises at least one of the following messages: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, a state of motion of the mobile device .
A mobile device based on NFC for data transmission, characterized in that the mobile device comprises one or more processors, a touch screen, a memory, a plurality of applications, and one or more programs, wherein the one or more A program is stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions for:

The mobile device receives a touch operation of a user;

The mobile device opens an application related to the NFC payment based on the touch operation;

Displaying a graphical user interface of the application on the mobile device;

The mobile device acquires context information related to an environment in which the mobile device is located, the context information includes a geographic location, time, and specific context information in which the mobile device is located, the specific context information including at least one of the following messages One type: an instant message, a Bluetooth broadcast message, a Wi-Fi hotspot broadcast message, and a motion state of the mobile device;

The mobile device determines an analog card for performing NFC payment based on the scenario information;

The mobile device prompts the determined analog card to the user;

After the mobile device receives the confirmation operation of the user, selecting the analog card;

The mobile device performs an NFC payment with an NFC card reader.
A mobile device based on NFC for data transmission, characterized in that the mobile device comprises: a touch screen, a processor, a memory, an NFC device, a positioning device, a Bluetooth device, a Wi-Fi device, and a sensor, wherein:

The touch screen receives a touch operation of a user;

The processor opens an application related to the NFC payment based on the touch operation, and displays a graphical user interface of the application on the touch screen;

The processor acquires context information related to an environment in which the mobile device is located, where the context information includes a geographic location, time, and specific context information of the mobile device collected by the positioning device, the specific The context information includes at least one of the following messages: an instant message, a Bluetooth broadcast message received by the Bluetooth device, a Wi-Fi hotspot broadcast message received by the Wi-Fi device, collected by the sensor The motion state of the mobile device;

Determining, by the processor, an analog card for performing NFC payment based on the scenario information;

The processor displays the determined analog card to the user through the touch screen;

After the processor receives the confirmation operation of the user, selecting the analog card;

The NFC device performs an NFC payment with an NFC card reader.