WO2018137308A1 - 一种移动支付方法、装置以及存储介质 - Google Patents

一种移动支付方法、装置以及存储介质 Download PDF

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Publication number
WO2018137308A1
WO2018137308A1 PCT/CN2017/089109 CN2017089109W WO2018137308A1 WO 2018137308 A1 WO2018137308 A1 WO 2018137308A1 CN 2017089109 W CN2017089109 W CN 2017089109W WO 2018137308 A1 WO2018137308 A1 WO 2018137308A1
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Prior art keywords
card
payment
ppse
account
message
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PCT/CN2017/089109
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English (en)
French (fr)
Inventor
梅敬青
Original Assignee
华为技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 华为技术有限公司 filed Critical 华为技术有限公司
Priority to CN201780005446.5A priority Critical patent/CN108604340A/zh
Publication of WO2018137308A1 publication Critical patent/WO2018137308A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the present invention relates to the field of communications, and in particular, to a mobile payment method, apparatus, and storage medium.
  • PoS point of sale
  • CCB Cost of Merchants Bank
  • the discount some merchants PoS have no discount
  • the second is whether the card used by the user (bank, card type) meets the preferential conditions
  • the third is whether the consumption amount meets the preferential conditions (such as 150 minus 50, etc.).
  • the user needs to observe the promotional text posted on the storefront, or consult with the salesman to determine the type of bank card in which the offer exists and whether he or she meets the preferential conditions, and then manually select and use the bank card that satisfies the offer. If the user does not perform the above manual intervention, the current mobile phone card simulation generally follows the EMVCo (such as Visa or MasterCard bank card) or PBOC (such as UnionPay bank card) standards, and it is difficult to implement the recommendation of the preferential card application in the process.
  • EMVCo such as Visa or MasterCard bank card
  • PBOC such as UnionPay bank card
  • Figure 1 shows the process of selecting and initializing the bank card application of the EMVCo/PBOC standard. It can be seen that the existing EMVCo/PBOC payment process includes:
  • the PoS sends a Proximity Payment System Environment (PPSE) command to the mobile phone card analog transmission;
  • PPSE Proximity Payment System Environment
  • PPSE is a file in the mobile phone card emulation, which stores a list of AIDs. Each AID corresponds to the mobile phone card emulating an installed and usable card application. In practice, the PPSE usually only contains the default set by the user.
  • the AID value of the card application (denoted as AID1); the PoS machine obtains the AID1 in the PPSE, and sends a command to select the AID1, and selects the card application corresponding to the AID1 (ie, the default card application);
  • the PoS obtains the basic data of the card application corresponding to the AID1
  • the Pot Processing Options (GPO) is initialized, and the information about the transaction amount and the PoS machine identification (ID) are carried.
  • the existing EMVCo/PBOC process is to select the payment card first, and then it is possible to obtain information for determining the discount card. Without considering the situation of the mobile phone card simulation, it is difficult to realize the automatic selection and use of the discount card. Therefore, for the existing EMVCo/PBOC payment process, the preferential payment card recommendation cannot be realized at present.
  • the present invention provides a mobile payment method, apparatus, and storage medium to solve the problem in the prior art that by automatically selecting a payment card and then obtaining information for determining a discount card, it is difficult to automatically select and use the discount card.
  • a method for mobile payment is provided, which is applicable to a mobile terminal, including: the mobile terminal receiving a first message from a payment end device; and determining, according to the first message, that a first condition is met An account; using the first account for mobile payment. Before the payment, the mobile terminal determines the discount card information through the first message sent by the payment terminal device, and uses the payment account corresponding to the discount card to pay.
  • the first message includes a transaction amount and a payment device identifier.
  • the mobile terminal receives the transaction amount sent by the payment end device and the payment device identifier, so that the mobile terminal can determine the discount card information.
  • the method further includes: before the mobile terminal receives the first message from the payment end device, the mobile terminal requests the transaction amount device for the transaction amount and The collection device identifier.
  • the method further includes: when the first account is a default account, obtaining a first PPSE, where the first message includes the first PPSE, and the first PPSE The application identifier of the default account is included in the application.
  • the method further includes: when the first account is not a default account, obtaining a second PPSE, and sending a second message to the payment device, where the second message is The second PPSE is included, and the second PPSE includes an application identifier of the first account.
  • the method further includes: the mobile terminal acquiring, from a server, activity information of a home bank of a registered bank card, where the activity information includes a payment device identifier, a bank card identifier, and Activity conditions.
  • the mobile terminal receives the transaction amount and the payment device identifier from the payment terminal device, and determines the discount card information according to the activity information acquired in advance. In order to use the discount card to pay.
  • the first message includes a transaction amount and activity information of the payment device.
  • the mobile terminal can quickly determine the discount card information according to the activity information of the payment device and the transaction amount, and combine the registered bank card information in the mobile terminal, thereby saving the step of matching the registered bank card among the large amount of activity information acquired from the server. Convenient and simple, enhances the user experience.
  • the method further includes: before the mobile terminal receives the first message from the payment end device, the mobile terminal requests the transaction amount device for the transaction amount and The collection device identifier.
  • the method further includes: when the first account is a default account, obtaining a first PPSE, where the first message includes the first PPSE, and the first PPSE The application identifier of the default account is included in the application.
  • the method further includes: when the first account is not a default account, obtaining a second PPSE, and sending a second message to the payment device, where the second message is The second PPSE is included, and the second PPSE includes an application identifier of the first account.
  • the mobile terminal establishes a mapping relationship between the bank card and the payment account. It is convenient for the user to determine the payment account according to the mapping relationship and the discount card.
  • a mobile payment device comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program to cause the mobile payment device to implement the above
  • the first aspect and the various possible steps of the first aspect For the implementation of the mobile payment device to solve the problem and the beneficial effects, reference may be made to the implementation manners and the beneficial effects of the foregoing various mobile payment methods of the first aspect and the first aspect, and thus the implementation of the mobile payment device can be referred to The implementation of each of the above possible mobile payment methods of the first aspect and the first aspect will not be repeated.
  • a computer readable storage medium comprising instructions, when the instructions are run on a mobile payment device, causing the mobile payment device to perform any of the first aspect and the first aspect of the mobile payment method . Based on the same inventive concept, the repetition will not be described again.
  • Figure 1 shows the bank card application selection and initialization process of the EMVCo/PBOC standard
  • FIG. 2 is a flowchart of an implementation manner of an NG-SE according to an embodiment of the present invention
  • FIG. 3 is a flowchart of another implementation manner of NG-SE according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of an implementation manner based on EMVCo/PBOC according to an embodiment of the present invention
  • FIG. 5 is a flowchart of another implementation manner of an EMVCo/PBOC according to an embodiment of the present invention.
  • FIG. 6 is a flowchart of still another implementation manner based on EMVCo/PBOC according to an embodiment of the present invention.
  • FIG. 7 is a block diagram showing a partial structure of a mobile phone 100 according to an embodiment of the present invention.
  • the embodiment of the present invention provides a mobile payment solution, which is applicable to a mobile terminal: the mobile terminal receives the first message from the payment end device; and the mobile terminal determines, according to the first message, that the first account that meets the preset condition exists; The first account performs mobile payment.
  • Embodiments of the present invention provide a method for mobile payment transaction.
  • the mobile phone card simulates a payment card with a preferential activity, and uses a payment card with a preferential activity to perform a transaction, thereby optimizing the user experience.
  • the following embodiments exemplify an implementation of a mobile phone card simulation to determine a payment card with a promotional activity, including:
  • An optional implementation manner may be: based on a Next Generation System Environment (NG-SE), obtaining a transaction amount, a PoS machine ID, and determining a discount card information according to the transaction amount and the PoS machine ID according to a Next Generation System Environment (NG-SE). And adjust the discount card to the card application of the secondary transaction (whether it is the default card or not).
  • NG-SE Next Generation System Environment
  • NG-SE Next Generation System Environment
  • Another optional implementation manner may be based on the existing EMVCo/PBOC technology, and when the first transaction is carried out to the GPO instruction, the information for judging the discount card is obtained, and the preferential card is activated; if the current selected default is required, When the card is switched to a discount card, the current transaction communication is interrupted, and the transaction is switched and restarted.
  • the information (PoS machine ID, which can be used to determine the discount card, is first determined by NFC or other means.
  • the transaction amount is provided to the payment terminal (mobile phone card emulation); the payment terminal determines whether there is a concession card according to the PoS machine ID and the transaction amount, and if it is determined that the concession card exists, the concession card is adjusted to the card application used for the transaction (coming soon)
  • the AID corresponding to the card is included in the PPSE).
  • the mobile terminal and the PoS machine can communicate through NFC.
  • mapping relationship between the bank card and the payment account needs to be established in advance.
  • the mobile payment application of the payment side obtains the current preferential activity information from the server, and the preferential activity information includes PoS information (which PoS has this offer, which can be received by the PoS machine ID and/or the PoS machine (ie, the PoS machine) Arrangement)), the card information (which cards can participate in this offer, can be determined by the AID corresponding to the discount card), and the preferential conditions that need to be met (such as the transaction amount must be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.) .
  • PoS information which PoS has this offer, which can be received by the PoS machine ID and/or the PoS machine (ie, the PoS machine) Arrangement
  • the card information which cards can participate in this offer, can be determined by the AID corresponding to the discount card
  • the preferential conditions that need to be met such as the transaction amount must be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.
  • the PoS machine sends a selection NG-SE message to the payment terminal (the mobile phone card emulation device), and carries the transaction amount and the PoS machine ID in the NG-SE message (the PoS machine ID is used to determine the acquiring line, usually, different acquiring lines) There are different promotions on the PoS machine).
  • the payment terminal determines whether there is a discount card (suit type) that meets the preferential condition in the bank card application installed and activated (ie, usable) in the current payment terminal in combination with the previously obtained preferential activity information. Compliance, and the current amount is eligible); if it exists, further determine whether the discount card is the default card set by the current payment terminal, and if not, adjust the discount card to the card to be used in this transaction (ie, the discount card)
  • the AID is written to the payment terminal's NG-SE or temporarily set as the default card, which can be based on user confirmation or previous user-set policies, allowing for such adjustments) and transactions.
  • FIG. 2 is a flowchart of an implementation manner of an NG-SE according to an embodiment of the present invention.
  • the payment terminal obtains the first type of preferential activity information of the installed and activated bank card from the server (S201), and the first type of preferential activity information includes PoS information (which PoS has this discount, It can be determined by the PoS machine ID and/or the PoS machine acquiring line (ie, the arranger of the PoS machine), the discount card information (which cards can participate in this offer, which can be determined by the AID corresponding to the discount card), and the need to satisfy the preferential conditions ( If the transaction amount needs to be greater than or equal to 100 yuan, you can reduce 30 yuan, etc.);
  • PoS information which PoS has this discount, It can be determined by the PoS machine ID and/or the PoS machine acquiring line (ie, the arranger of the PoS machine), the discount card information (which cards can participate in this offer, which can be determined by the AID corresponding to the discount card), and the need to satisfy the preferential conditions ( If the transaction amount needs to be greater than or equal to 100 yuan, you can reduce
  • the payment terminal receives the selection NGSE command sent by the PoS machine (S202), and the instruction further includes the transaction amount and the PoS machine information (ie, the PoS machine ID and/or the acquirer line identifier).
  • the payment end determines whether the transaction amount and the PoS machine information, and the first type of preferential activity information There is a discount card application that satisfies the preferential activity conditions, and it is determined whether the discount card application is the current default card (S203)
  • the method of determining includes: prompting the user to confirm in the UI interface, or automatically switching based on the preset policy of the user), and writing the AID of the discount card to the payment terminal.
  • the NGSE S204
  • the discount card is the default card or does not exist, the NGSE is not modified (S205); the payment terminal sends a selection NGSE response to the PoS machine, and performs transaction processing according to the standard transaction flow (S206).
  • the PoS machine sends a selection NG-SE message to the payment terminal (mobile phone card emulation device), and carries the transaction amount and the PoS machine ID in the NG-SE message, and the preferential activity information existing on the current PoS machine (for which concession cards) , and preferential conditions).
  • the payment end judges whether there is a discount card that meets the preferential condition in the bank card application installed and activated (ie, usable) in the current payment terminal (the type is met, and the current amount meets the condition If there is, further determine whether the discount card is the default card set by the current payment terminal. If not, adjust the discount card to the card to be used in the transaction (ie, the AID of the discount card is written to the payment terminal NG-
  • the SE or Temporarily set as the default card allows for such adjustments based on user confirmation or previous user-set policies, and conducts transactions.
  • FIG. 3 is a flowchart of another implementation manner of NG-SE according to an embodiment of the present invention. As shown in Figure 3,
  • the payment terminal receives the selection NGSE instruction sent by the PoS machine (S301), the instruction further includes the transaction amount and the second type of preferential activity information on the PoS machine, and the second type of preferential activity information includes the preferential card information (which cards can participate in the offer) , can be determined by the AID corresponding to the discount card), and need to meet the preferential conditions (such as the transaction amount must be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.);
  • the difference between the first type of preferential activity information and the second type of preferential activity information is that the former is obtained by the payment terminal from the server, and is for all PoS machines that may encounter preferential activities, and therefore contains the preferential activity PoS machine. Information; the latter is for current PoS machines, so there is no need to include PoS machine information.
  • the payment end determines, according to the transaction amount and the second type of preferential activity information, that there is a discount card application that satisfies the preferential activity condition, and determines whether the discount card application is the current default card (S302)
  • the method of determining includes: prompting the user to confirm in the UI interface, or automatically switching based on the preset policy of the user), and writing the AID of the discount card to the payment terminal.
  • the payment terminal sends a selection NGSE response to the PoS machine (S304), and the transaction processing is performed according to the standard transaction flow (S305).
  • the payment terminal obtains the current preferential activity information from the server, and the preferential activity information package Including PoS information (which PoS has this offer, can be determined by the PoS machine ID and / or PoS machine receipt line (that is, the PoS machine arranger)), discount card information (which cards can participate in this offer, can be corresponding to the discount card AID is determined), and the need to meet the preferential conditions (such as the transaction amount must be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.);
  • PoS information which PoS has this offer, can be determined by the PoS machine ID and / or PoS machine receipt line (that is, the PoS machine arranger)
  • discount card information which cards can participate in this offer, can be corresponding to the discount card AID is determined
  • the need to meet the preferential conditions such as the transaction amount must be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.
  • the conventional EMVCo/PBOC transaction process is performed, and in the response of selecting the AID instruction, the PoS machine is required to provide at least the PoS machine ID and the transaction amount in the GPO instruction;
  • the payment terminal determines, according to the above information and the previously obtained preferential activity information, whether the bank card application installed and activated (ie, usable) in the current payment terminal has a preferential offer.
  • Card the type is met, and the current amount is eligible
  • the discount card is the default card set by the current payment terminal, and if not, adjust the discount card to the card to be used in this transaction
  • the NG-SE of the discount card is written to the payment terminal NG-SE or temporarily set as the default card, which can be adjusted based on the user confirmation or the policy set by the user before, and interrupts the current NFC communication, and then restarts the NFC communication. Use the discount card to restart the transaction process.
  • FIG. 4 is a flowchart of an implementation manner based on EMVCo/PBOC according to an embodiment of the present invention. As shown in Figure 4,
  • the payment terminal obtains the first type of preferential activity information of the installed and activated bank card from the server (S401), and the first type of preferential activity information includes PoS information (which PoS has this offer, which can be determined by the PoS machine ID and / or PoS machine acquiring line (that is, the arranging of the PoS machine), the discount card information (which cards can participate in this offer, which can be determined by the AID corresponding to the discount card), and the need to meet the preferential conditions (such as the transaction amount needs to be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.);
  • PoS information which PoS has this offer, which can be determined by the PoS machine ID and / or PoS machine acquiring line (that is, the arranging of the PoS machine)
  • the discount card information which cards can participate in this offer, which can be determined by the AID corresponding to the discount card
  • the need to meet the preferential conditions such as the transaction amount needs to be greater than or equal to 100 yuan,
  • the payment terminal receives the selected PPSE command sent by the PoS machine (S402), and the payment terminal sends a selection PSE command response (S403), wherein the PSE response message includes the PDOL, and the PoS machine is required to provide the PoS machine information and the transaction gold;
  • the payment end receives the GPO command sent by the PoS machine (S404), which includes the PoS machine information and the transaction amount;
  • the payment end determines, according to the transaction amount and the PoS machine information, and the first type of preferential activity information, that there is a discount card application that satisfies the preferential activity condition, and determines whether the discount card application is the current default card (S405)
  • the transaction process is completed in response to the GPO command and in accordance with a normal process (S410);
  • step S406 is performed;
  • the payment terminal determines that it is necessary to switch the transaction using the discount card (the method includes: prompting the user to confirm on the UI interface, or automatically switching based on the preset policy of the user), and writing the AID of the discount card into the PPSE of the payment terminal (ie, as the next time)
  • the default card application required for the transaction (S406);
  • the payment terminal terminates the current NFC communication connection with the PoS machine, then restarts the NFC communication with the PoS machine (S407), receives the selected PSE message sent by the PoS machine (S408); the payment terminal sends a Select PSE response to the PoS (S409), Select the FCI that provides the new PSE in the PSE response, and use the updated PPSE to complete the transaction;
  • the default card can be modified back to the original default card.
  • the PoS machine sends the offer activity information existing on the machine to the payment terminal before sending the selection command. And the transaction amount.
  • the payment terminal determines whether there is a discount card that meets the preferential conditions in the bank card application installed and activated (ie, usable) in the current payment terminal (the type is consistent, and the current amount meets the condition); Further determining whether the discount card is the default card set by the current payment terminal, and if not, adjusting the discount card to the card to be used in the transaction (ie, writing the AID of the discount card to the NG-SE or temporary setting of the payment terminal) As the default card, this adjustment can be allowed based on user confirmation or previous user-set policies);
  • the PoS machine and the payment terminal process the transaction according to the EMVCo/PBOC standard process.
  • FIG. 5 is a flowchart of another implementation manner of an EMVCo/PBOC according to an embodiment of the present invention. As shown in Figure 5,
  • the payment terminal obtains the first type of preferential activity information of the installed and activated bank card from the server (S501), and the first type of preferential activity information includes PoS information (which PoS has this offer, which can be determined by the PoS machine ID and / or PoS machine acquiring line (that is, the arranging of the PoS machine), the discount card information (which cards can participate in this offer, which can be determined by the AID corresponding to the discount card), and the need to meet the preferential conditions (such as the transaction amount needs to be greater than or equal to 100 yuan, can be reduced by 30 yuan, etc.).
  • PoS information which PoS has this offer, which can be determined by the PoS machine ID and / or PoS machine acquiring line (that is, the arranging of the PoS machine)
  • the discount card information which cards can participate in this offer, which can be determined by the AID corresponding to the discount card
  • the need to meet the preferential conditions such as the transaction amount needs to be greater than or equal to 100 yuan,
  • the payment terminal receives the transaction amount and PoS machine information sent by the PoS machine through the NFC (S502);
  • the payment terminal receives the selected PPSE command sent by the PoS machine (S503);
  • the payment end determines, according to the transaction amount and the PoS machine information, and the first type of preferential activity information, that there is a discount card application that satisfies the preferential activity condition, and determines whether the discount card application is the current default card (S504);
  • the transaction process is completed in response to the GPO command and in accordance with the normal process (S507);
  • step S505 is performed;
  • the payment terminal determines that it is necessary to switch the transaction using the discount card (the method includes: prompting the user to confirm on the UI interface, or automatically switching based on the preset policy of the user), and writing the AID of the discount card into the PPSE of the payment terminal (ie, as the next time)
  • the default card application required for the transaction (S505);
  • the payment terminal responds to the selection PSE instruction of the PoS machine (S506), wherein the FCI of the PSE is provided in the response message, and the transaction processing is completed according to the existing standard process.
  • the default card can be modified back to the original default card.
  • FIG. 6 is a flowchart of still another implementation manner based on EMVCo/PBOC according to an embodiment of the present invention. As shown in Figure 6,
  • the payment terminal Before initiating the transaction process, the payment terminal receives the transaction amount sent by the PoS machine and the second type of preferential activity information on the PoS machine (S601), and the second type of preferential activity information includes the preferential card information (which cards can participate in the offer, Determined by the AID corresponding to the discount card, and need to meet the preferential conditions (if the transaction amount needs to be greater than or equal to 100 yuan, you can reduce 30 yuan, etc.); (Note: the difference between the first type of preferential activity information and the second type of preferential activity information is The former is obtained by the payment terminal from the server, and is for all PoS machines that may encounter the preferential activities, so it contains the information of the preferential activity PoS machine; the latter is for the current PoS machine, so there is no need Contains PoS machine information)
  • the payment end receives the selected PPSE command sent by the PoS machine (S602);
  • the payment end determines, according to the transaction amount and the second type of preferential activity information, that there is a discount card application that satisfies the preferential activity condition, and determines whether the discount card application is the current default card (S603);
  • the discount card is the default card
  • the PPSE is not modified, and the transaction is processed according to the existing PBOC transaction process (S606);
  • step S604 is performed;
  • Determining that the transaction is required to be switched using the discount card includes: prompting the user to confirm on the UI interface, or automatically switching based on the preset policy of the user), and writing the AID of the discount card into the PPSE of the payment terminal (S604);
  • the payment terminal responds to the PSE command of the PoS machine (S605) and executes the transaction.
  • the default card can be modified back to the original default card.
  • the mobile terminal determines the bank card that satisfies the preferential activity before the payment transaction, and automatically selects and uses the bank card transaction, thereby solving the prior art that the payment card is selected first, and then obtaining the discount card for determining the preferential card.
  • the information which leads to the problem of not being able to automatically select and use the discount card, enhances the user experience.
  • the mobile terminal may be a portable mobile terminal such as a mobile phone, or may be a tablet, a PDA (Personal Digital Assistant), a POS (Point of Sales), a car computer, etc. Communication device for the interface.
  • the embodiment of the present invention exemplifies a mobile phone as an example.
  • FIG. 7 is a block diagram showing a partial structure of a mobile phone 100 according to an embodiment of the present invention.
  • the mobile phone 100 can include a housing, a display screen 640, a memory 620, a processor 680, an antenna, a radio frequency circuit 610, a positioning module 695, a sensor 650, other input devices 630, an I/O subsystem 670, and audio.
  • the structure of the mobile phone shown in FIG. 7 does not constitute a limitation on the mobile phone, and may include more or less components than those illustrated, or combine some components, or split some components, or Different parts are arranged.
  • the mobile phone 100 can have a housing.
  • An antenna for handling wireless communication can be housed within the housing.
  • the housing which may also be referred to as a housing, may be formed from any suitable material. These include plastic, glass, ceramic, metal, or other suitable materials, or a combination of these materials.
  • portions of the housing or housing may be formed from a dielectric or other low conductivity material; thereby not interfering with the operation of the conductive antenna elements located adjacent the housing.
  • Portions of the housing or housing may also be formed from a conductive material, such as a metal. Where the housing is formed from a metal component, one or more metal components can be used as part of the antenna in the handset 100.
  • Display 640 can be used to display information entered by the user or information provided to the user as well as various menus of handset 100, and can also accept user input.
  • the specific display screen 640 can include a display panel 641 and a touch panel 642.
  • the display panel 641 can be configured by using an LCD (Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), or the like.
  • the touch panel 642, also referred to as a touch screen, a touch sensitive screen, etc., can collect contact or non-contact operations on or near the user (eg, the user uses any suitable object such as a finger, a stylus, or the like on or near the touch panel 642.
  • the operation in the vicinity of the touch panel 642 may also include a somatosensory operation; the operation includes a single point control operation, a multi-point control operation, and the like, and drives the corresponding connection device according to a preset program.
  • the touch panel 642 can include two parts: a touch detection device and a touch controller. Wherein, the touch detection device detects the touch orientation and posture of the user, and detects a signal brought by the touch operation, and transmits a signal to the touch controller; the touch controller receives the touch information from the touch detection device, and converts the signal into a processor. The processed information is sent to processor 680 and can receive commands from processor 680 and execute them.
  • the touch panel 642 can be implemented by using various types such as resistive, capacitive, infrared, and surface acoustic waves, and the touch panel 642 can be implemented by any technology developed in the future.
  • the touch panel 642 can cover the display panel 641, and the user can display the content according to the display panel 641 (including but not limited to, a soft keyboard, a virtual mouse, a virtual button, an icon, etc.) on the display panel 641. Operation is performed on or near the covered touch panel 642. After detecting the operation thereon or nearby, the touch panel 642 transmits to the processor 680 through the I/O subsystem 670 to determine user input, and then the processor 680 is based on the user.
  • the input provides a corresponding visual output on display panel 641 via I/O subsystem 670.
  • the touch panel 642 and the display panel 641 can be used as two independent components to implement the input and input functions of the mobile phone 100. However, in some embodiments, the touch panel 642 can be integrated with the display panel 641 to implement the input of the mobile phone 100. And output function.
  • the handset 100 can also include a memory 620 for storing computer executable program code, the program code including instructions.
  • the processor 680 executes various functional applications and data processing of the handset 100 by running instructions stored in the memory 620.
  • the memory 620 can mainly include a storage program area and a storage data area.
  • 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 store data (such as audio data, phone book, etc.) created according to the use of the mobile phone 100.
  • memory 620 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
  • the handset 100 can also include a processor 680.
  • Processor 680 is the control center of handset 100. Connect the various parts of the entire phone with a variety of interfaces and lines. The various functions and processing data of the handset 100 are performed by running or executing software programs and/or modules stored in the memory 620, as well as recalling data stored in the memory 620, thereby providing overall monitoring of the handset.
  • processor 680 can include one or more processing units.
  • the processor 680 can integrate an application processor, a modem processor, a baseband module, a power management chip, a memory, a codec, and the like. Among them, the application processor mainly deals with operating systems, user interfaces, applications, and the like.
  • the modem processor primarily handles wireless communications.
  • modem processor may also not be integrated into the processor 680.
  • the Internet Protocol, Wireless Local Area Network Protocol (e.g., IEEE 702.11), 3G, 4G, 5G communication protocols, etc., can be implemented using processor 680 and memory 620.
  • Cell phone 100 can include near field communication circuitry. Therefore, the mobile phone 100 can perform wireless communication with an external device such as a non-contact receiving end device (for example, a Pos machine) having an NFC function using near field communication.
  • the near field communication circuitry in handset 100 can include a near field transmitter and a near field receiver.
  • Near field communication for handset 100 can be supported using capacitively coupled near field communication structures and/or inductively coupled near field communication structures.
  • wireless signals are typically transmitted over distances of, for example, 1 meter or less, 100 centimeters or less, 10 centimeters or less, or 1 centimeter or less, rather than communicating wireless over longer distances. signal.
  • the mobile phone 100 can also include an antenna for transmitting and receiving radio frequency signals.
  • the antenna can be located anywhere in the handset 100.
  • the position of the antenna illustrated in the embodiment of the present invention is merely an exemplary illustration.
  • Cell phone 100 can have one or more antennas. Each antenna in handset 100 can be used to cover a single or multiple communication bands.
  • the handset 100 also includes a radio frequency circuit 610. Used to receive and send signals during sending or receiving information or during a call. For example, after receiving the downlink information of the base station, it is sent to the processor 680 for processing. In addition, the uplink data is transmitted to the base station.
  • the radio frequency circuit 610 includes at least one power amplifier 609, a transceiver 608, a coupler, an LNA (Low Noise Amplifier), a duplexer, and the like.
  • the radio frequency circuit 610 can also communicate with the network and other devices through wireless communication.
  • the wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication), GPRS (General Packet Radio Service), CDMA (Code Division Multiple Access). , Code Division Multiple Access), WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), e-mail, SMS (Short Messaging Service), and the like.
  • the mobile phone 100 may further include a positioning module 695.
  • the positioning module is configured to detect the position, orientation, and the like of the mobile phone 100. Detection of the location or orientation of the handset 100 can be performed using various positioning services, such as Global Positioning System (GPS), Assisted GPS (A-GPS), cellular based on registered cellular telephones. Telephone base station triangulation or trilateration, Galileo positioning system, or other positioning or location services or technologies.
  • Various hardware, software, and combinations thereof can be used to detect the location or orientation of the handset 100, such as GPS units, accelerometers, and other orientation and motion detection services or technologies in the handset 100.
  • the handset 100 can also include a sensor 650, which can include a proximity sensor, an ambient light sensor, an accelerometer sensor, and the like.
  • the ambient light sensor can adjust the brightness of the display panel 641 according to the brightness of the ambient light
  • the proximity sensor can close the display panel 641 and/or the backlight when the mobile phone 100 moves to the ear.
  • Proximity sensors can include, for example, light emitting diodes (LEDs) and associated photodetectors, such as photodiodes.
  • the light emitting diode may be an infrared light emitting diode that emits infrared light through the light emitting diode.
  • Photodiodes are used to detect infrared reflected light from nearby objects. When sufficient reflected light is detected, it can be determined that there is an object in the vicinity of the mobile phone 100. When insufficient reflected light is detected, it can be determined that there is no object near the mobile phone 100.
  • the ambient light sensor can be a photodiode or other light sensor capable of detecting incoming light.
  • Ambient light sensors can operate in the visible and/or infrared spectrum. When the ambient light sensor is not obscured by the object, the ambient light sensor will typically receive more light 13 than when the ambient light sensor is blocked by the object, so ambient light sensors can be used to generate proximity data. This data can be used alone or in combination with proximity data from other sensors so that the handset 100 can more accurately determine if there are objects near the handset.
  • Accelerometer sensors detect the magnitude of acceleration in all directions (typically three axes). The magnitude and direction of gravity can be detected when the handset 100 is stationary.
  • the accelerometer sensor can be used to identify the gesture of the phone (such as horizontal and vertical screen switching, related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer, tap).
  • An accelerometer can be used to determine if the handset 100 is in motion (possibly held by the user), or if the handset 100 is being held by the user such that its left or right edge is facing down, or if the handset 100 is being placed horizontally on the desktop. If it is determined that the handset 100 is horizontal and stationary, it can be determined that the handset 100 is less likely to be held. This data can be combined with data from proximity sensors and other data to assist in determining whether the readings obtained from other sensors in the handset 100 are accurate.
  • the mobile phone 100 can process signals from a plurality of sensor devices (eg, proximity sensors, ambient light sensors, etc.) in parallel, determine whether there is an object in the vicinity of the mobile phone 100, and improve the accuracy of determining the distance between the mobile phone 100 and the object.
  • sensor devices eg, proximity sensors, ambient light sensors, etc.
  • sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, and the like that can be configured in the mobile phone 100 will not be described herein.
  • Other input devices 630 can be used to receive input numeric or character information, as well as generate key signal inputs related to user settings and function controls of the handset 100.
  • other input devices 630 may include, but are not limited to, physical keyboards, function keys (such as volume control buttons, switch buttons, etc.), trackballs, mice, joysticks, and light mice (the light mouse is not sensitive to display visual output) One or more of a surface, or an extension of a touch sensitive surface formed by a touch screen.
  • Other input devices 630 are coupled to other input device controllers 671 of I/O subsystem 670 for signal interaction with processor 680 under the control of other device input controllers 671.
  • An audio circuit 660, a speaker 161, and a microphone 162 can provide an audio interface between the user and the handset 100.
  • the audio circuit 660 can transmit the converted audio data to the speaker 161 for conversion to the sound signal output by the speaker 161.
  • the microphone 162 converts the collected sound signal into a signal, which is received by the audio circuit 660 and then converted into audio data, and then the audio data is output to the radio frequency circuit 610 for transmission to, for example, another mobile phone, or the audio data is output to the memory. 620 for further processing.
  • the user can insert the earphone into the earphone interface 200, and the pin of the earphone interface 200 is connected with the earphone, and the microphone of the earphone and the left and right channel earpieces can provide an audio interface between the user and the mobile phone 100.
  • the audio circuit 660 can transmit the converted audio signal to the left and right channel earpieces of the earphone for conversion to a sound signal output.
  • the earphone microphone converts the collected sound signal into an electrical signal, and the electrical signal is transmitted to the audio circuit 660 through the headphone interface, and then converted into audio data for further processing.
  • the I/O subsystem 670 is used to control external devices for input and output, and may include other device input controllers 671, sensor controllers 672, and display controllers 673.
  • one or more other input control device controllers 671 receive signals from other input devices 630 and/or send signals to other input devices 630, which may include physical buttons (press buttons, rocker buttons, etc.) , dial, slide switch, joystick, click wheel, light mouse (light mouse is a touch-sensitive surface that does not display visual output, or an extension of a touch-sensitive surface formed by a touch screen). It is worth noting that other input control device controllers 671 can be connected to any one or more of the above devices.
  • Display controller 673 in I/O subsystem 670 receives signals from display screen 640 and/or transmits signals to display screen 640. After the display screen 640 detects the user input, the display controller 673 converts the detected user input into an interaction with the user interface object displayed on the display screen 640, ie, implements human-computer interaction. Sensor controller 672 can receive signals from one or more sensors 650 and/or send signals to one or more sensors 650.
  • the handset 100 also includes a power source 690 (such as a battery) that powers the various components.
  • a power source 690 such as a battery
  • the power source can be logically coupled to the processor 680 through the power management system to manage functions such as charging, discharging, and power consumption through the power management system.
  • the mobile phone 100 may further include a camera, a Bluetooth module, and the like, and details are not described herein.
  • the discount card may be a bank card with a preferential activity.
  • the offer can be information about the activities posted by the bank or the recipient of the payment card for each bank card.
  • FIG. 1 These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device.

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Abstract

本发明提供一种移动支付方法、装置以及存储介质，包括：一种移动支付的方法，包括：移动终端接收来自收款端设备的第一消息；根据所述第一消息，确定具有优惠活动的支付卡；使用具有优惠活动的支付卡进行移动支付。这样，移动终端在支付前确定具有优惠活动的支付卡，实现了自动选择和使用优惠卡，优化了用户体验。

Description

一种移动支付方法、装置以及存储介质 技术领域
本发明涉及通信领域，尤其涉及一种移动支付方法、装置以及存储介质。
背景技术
随着产业的发展，业界出现很多移动支付技术，其中手机卡模拟是十分重要的一类。例如Huawei Pay、银联钱包、云闪付等。可以通过手机的近距离无线通信技术(Near Field Communication，NFC)实现支付。这些移动支付应用中，如Huawei Pay，用户可以同时注册多张不同银行的银行卡应用，如：招行信用卡、建行信用卡、工行信用卡、光大信用卡等。用户可以自由决定使用哪一张作为默认卡应用。
不同商家可能会与不同的银行合作，提供不同的优惠活动。用户如果希望获得优惠，一般包括三个因素：其一为商家的销售终端(Point of Sale，PoS)是否有优惠活动(例如：有些商家的PoS有招商银行的优惠，有些商家的PoS有建设银行的优惠，有的商家的PoS没有优惠)；其二为用户使用的卡(银行、卡种)是否满足优惠条件；其三为消费金额是否满足优惠条件(如满150减50等)。
目前，在使用过程中，需要用户通过观察店面张贴的宣传图文，或者与推销员咨询，确定存在优惠的银行卡类型以及自己是否满足优惠条件，然后手动选择使用满足优惠的银行卡。如果用户不进行上述人工干预的话，现在的手机卡模拟一般是遵循EMVCo(如Visa或MasterCard银行卡)或PBOC(如银联银行卡)标准，在流程上难以实现优惠卡应用的推荐。
图1是EMVCo/PBOC标准的银行卡应用选择与初始化部分流程，可见，现有EMVCo/PBOC支付流程，包括：
首先，PoS向手机卡模拟发送选择近距离支付系统环境(Proximity Payment System Environment，PPSE)指令；
PPSE是手机卡模拟中的一个文件，其中保存了一个AID的列表，每一个AID对应于手机卡模拟上一个已安装且可使用的卡应用；在实践中，PPSE中通常只包含用户设置的默认卡应用的AID值(记为AID1)；PoS机获得PPSE中的AID1，并发送选择AID1指令，选中AID1对应的卡应用(即默认卡应用)；
然后，PoS获取AID1对应的卡应用的基本数据后，发送获得处理选项(Ggt Processing Options,GPO)进行初始化，其中会携带本次交易金额以及PoS机标识(Identification,ID)等相关信息。
现有EMVCo/PBOC流程是先选定支付卡，然后才可能获得用于确定优惠卡的信息。没有考虑手机卡模拟的情况,难以实现优惠卡的自动选择和使用。因此，对于现有EMVCo/PBOC支付流程，目前无法实现优惠支付卡推荐。
发明内容
本发明提供一种移动支付方法、装置以及存储介质，以解决现有技术中通过先选定支付卡，然后才获得用于确定优惠卡的信息,难以实现自动选择和使用优惠卡的问题。
第一方面，提供了一种移动支付的方法，适用于移动终端，包括：所述移动终端接收来自收款端设备的第一消息；根据所述第一消息，确定存在符合预设条件的第一账号；使用所述第一账号进行移动支付。在支付前，移动终端通过收款端设备发送的第一消息，确定优惠卡信息，并使用优惠卡对应的支付账号支付。
在一种可选的实施方式中，所述第一消息包括交易金额和收款设备标识。移动终端接收收款端设备发送的交易金额以及收款设备标识，便于移动终端确定优惠卡信息。
在一种可选的实施方式中，所述方法还包括，在所述移动终端接收来自收款端设备的第一消息之前，所述移动终端向所述收款端设备请求所述交易金额和所述收款设备标识。
在一种可选的实施方式中，所述方法还包括：当所述第一账号是默认账号时，获得第一PPSE，所述第一消息中包含所述第一PPSE，所述第一PPSE中包含所述默认账号的应用标识。
在一种可选的实施方式中，所述方法还包括：当所述第一账号不是默认账号时，获得第二PPSE，并向所述收款设备发送第二消息，所述第二消息中包含所述第二PPSE，所述第二PPSE中包含所述第一账号的应用标识。
在一种可选的实施方式中，所述方法还包括：所述移动终端从服务器获取已注册的银行卡的归属银行的活动信息，所述活动信息包括收款设备标识、银行卡标识、以及活动条件。通过预先从服务器获取银行卡的归属银行的活动信息，当支付前，移动终端从收款端设备接收到交易金额以及收款设备标识后，根据预先获取的活动信息，确定优惠卡信息。以便使用优惠卡支付。
在一种可选的实施方式中，所述第一消息包括交易金额和收款设备的活动信息。便于移动终端根据收款设备的活动信息以及交易金额，结合移动终端中已注册的银行卡信息，快速确定优惠卡信息，节省了从服务器获取的大量活动信息中匹配所注册的银行卡的步骤，方便简洁，提升了用户体验。
在一种可选的实施方式中，所述方法还包括，在所述移动终端接收来自收款端设备的第一消息之前，所述移动终端向所述收款端设备请求所述交易金额和所述收款设备标识。
在一种可选的实施方式中，所述方法还包括：当所述第一账号是默认账号时，获得第一PPSE，所述第一消息中包含所述第一PPSE，所述第一PPSE中包含所述默认账号的应用标识。
在一种可选的实施方式中，所述方法还包括：当所述第一账号不是默认账号时，获得第二PPSE，并向所述收款设备发送第二消息，所述第二消息中包含所述第二PPSE，所述第二PPSE中包含所述第一账号的应用标识。
在一种可能的实施方式中，移动终端建立银行卡与支付账号的映射关系。便于用户根据该映射关系以及优惠卡，确定支付账号。
第二方面，提供了一种移动支付装置，包括存储器，处理器以及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述程序时使得所述移动支付装置实现上述第一方面和第一方面的各可能的步骤。由于该移动支付装置解决问题的实施方式以及有益效果可以参见上述第一方面和第一方面的各可能的移动支付方法的实施方式以及所带来的有益效果，因此该移动支付装置的实施可以参见上述第一方面和第一方面的各可能的移动支付方法的实施，重复之处不再赘述。
第三方面，提供一种计算机可读存储介质，包括指令，当所述指令在移动支付装置上运行时，使得所述移动支付装置执行上述第一方面和第一方面的任一项移动支付方法。基于同一发明构思，重复之处不再赘述。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍。
图1是EMVCo/PBOC标准的银行卡应用选择与初始化部分流程；
图2是本发明实施例提供的基于NG-SE的一种实现方式的流程图；
图3是本发明实施例提供的基于NG-SE的另一种实现方式的流程图；
图4是本发明实施例提供的基于EMVCo/PBOC的一种实现方式的流程图；
图5是本发明实施例提供的基于EMVCo/PBOC的另一种实现方式的流程图；
图6是本发明实施例提供的基于EMVCo/PBOC的又一种实现方式的流程图。
图7是本发明实施例提供的手机100的部分结构的框图。
具体实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行详细地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。
本发明实施例提供了一种移动支付方案，适用于移动终端：移动终端接收来自收款端设备的第一消息；移动终端根据该第一消息，确定存在符合预设条件的第一账号；使用所述第一账号进行移动支付。
本发明实施例提供了一种移动支付交易的方法，手机卡模拟确定具有优惠活动的支付卡，使用具有优惠活动的支付卡进行交易，优化了用户体验。
以下实施例示例性介绍手机卡模拟确定具有优惠活动的支付卡的实施方式，包括：
一种可选的实施方式，可以基于下一代系统环境(Next Generation System Environment，NG-SE)，在应用选择阶段获取交易金额，PoS机ID,根据交易金额，PoS机ID确定优惠卡的信息，并将优惠卡调整成本次交易的卡应用(无论其是不是默认卡)。
另一种可选的实施方式，可以基于现有EMVCo/PBOC技术，在第一次交易进行到GPO指令时，获得了判断优惠卡的信息，启动优惠卡判断；如果需要将当前被选中的默认卡片切换为优惠卡，则中断当前交易通信，并切换和重新启动交易。
又一种可选的实施方式，可以基于EMVCo/PBOC技术，在PoS机进行卡应用选择(发送选择命令令)之前，先通过NFC或其他方式把可用于判断优惠卡的信息(PoS机ID，交易金额)提供给付款端(手机卡模拟)；付款端根据PoS机ID和交易金额确定是否存在优惠卡，如果确定存在优惠卡，则将优惠卡调整为本次交易使用的卡应用(即将优惠卡对应的AID包含到PPSE之中)。
在本发明实施例中，移动终端与PoS机之间可以通过NFC通信。
在本发明实施例中，需要预先建立银行卡与支付账号之间的映射关系。
以下详细介绍本发明实施例提供的基于NG-SE的一种实现方式：
首先，在交易前，付款端的移动支付应用从服务器获取当前的优惠活动信息，优惠活动信息包括PoS信息(哪些PoS上有这个优惠，可以由PoS机ID和/或PoS机收单行(即PoS机的布置者)确定)，优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足的优惠条件(如交易金额需大于等于100元，可以减免30元等)。
接着，PoS机向付款端(手机卡模拟设备)发送选择NG-SE消息，并在NG-SE消息中携带交易金额和PoS机ID(PoS机ID用于确定收单行，通常，不同收单行的PoS机上存在不同的优惠活动)。
然后，付款端根据NG-SE中的消息，结合之前获取的优惠活动信息，判断当前付款端中已安装且激活(即可以使用)的银行卡应用中，是否存在符合优惠条件的优惠卡(种类符合，且本次金额符合条件)；如果存在，进一步判断此优惠卡是否是当前付款端设置的默认卡，如果不是，则将此优惠卡调整为本次交易中要使用的卡片(即将优惠卡的AID写入付款端的NG-SE或临时设为默认卡，可以基于用户确认或之前用户设置的策略，允许进行这样的调整)，并进行交易。
最后，在交易完成后，可以将默认卡改回原设置的默认卡。
图2是本发明实施例提供的基于NG-SE的一种实现方式的流程图。
如图2所示，在交易之前，付款端从服务器获取已安装且激活的银行卡的第一类优惠活动信息(S201)，第一类优惠活动信息包括PoS信息(哪些PoS上有这个优惠，可以由PoS机ID和/或PoS机收单行(即PoS机的布置者)确定)，优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)；
付款端接收PoS机发送的选择NGSE指令(S202)，指令中还包含交易金额以及PoS机信息(即，PoS机ID和/或收单行标识)。
付款端根据所述交易金额以及PoS机信息，以及第一类优惠活动信息，确定是否 存在满足优惠活动条件的优惠卡应用，并判断此优惠卡应用是不是当前的默认卡(S203)
如果优惠卡不是默认卡，则确定需要切换使用优惠卡进行交易(确定的方法包括：在UI界面提示用户确认，或者基于用户预设的策略自动切换)，并将优惠卡的AID写入付款端的NGSE中(S204)；如果优惠卡即是默认卡或不存在优惠卡，则不修改NGSE(S205)；付款端向PoS机发送选择NGSE响应，并依据标准交易流程进行交易处理(S206)。
本发明实施例还提供了基于NG-SE的另一种实现方式：
首先，PoS机向付款端(手机卡模拟设备)发送选择NG-SE消息，并在NG-SE消息中携带交易金额和PoS机ID，以及当前本PoS机上存在的优惠活动信息(针对哪些优惠卡，以及优惠条件)。
然后，付款端根据NG-SE中的消息，判断当前付款端中已安装且激活(即可以使用)的银行卡应用中，是否存在符合优惠条件的优惠卡(种类符合，且本次金额符合条件)；如果存在，进一步判断此优惠卡是否是当前付款端设置的默认卡，如果不是，则将此优惠卡调整为本次交易中要使用的卡片(即将优惠卡的AID写入付款端的NG-SE或临时设为默认卡，可以基于用户确认或之前用户设置的策略，允许进行这样的调整)，并进行交易。
最后，在交易完成后，可以将默认卡改回原设置的默认卡。
图3是本发明实施例提供的基于NG-SE的另一种实现方式的流程图。如图3所示，
付款端接收PoS机发送的选择NGSE指令(S301)，指令中还包含交易金额以及所述PoS机上的第二类优惠活动信息，第二类优惠活动信息包括优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)；
说明：第一类优惠活动信息和第二类优惠活动信息的区别是，前者是付款端从服务器获取的，针对所有可能会遇到的有优惠活动的PoS机，因此其中含有优惠活动PoS机的信息；后者是针对当前的PoS机，因此无需含有PoS机信息。
付款端根据所述交易金额以及第二类优惠活动信息，确定存在满足优惠活动条件的优惠卡应用，并判断此优惠卡应用是不是当前的默认卡(S302)
如果优惠卡不是默认卡，则确定需要切换使用优惠卡进行交易(确定的方法包括：在UI界面提示用户确认，或者基于用户预设的策略自动切换)，并将优惠卡的AID写入付款端的NGSE中；(S303)
如果优惠卡即是默认卡或不存在优惠卡，则不修改NGSE；付款端向PoS机发送选择NGSE响应(S304)，依据标准交易流程进行交易处理(S305)。
基于EMVCo/PBOC技术的一种实现方式:
首先，在交易前，付款端从服务器获取当前的优惠活动信息，优惠活动信息包 括PoS信息(哪些PoS上有这个优惠，可以由PoS机ID和/或PoS机收单行(即PoS机的布置者)确定)，优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)；
然后，进行常规的EMVCo/PBOC交易流程，在选择AID指令的响应中要求PoS机在GPO指令中至少提供PoS机ID和交易金额；
其次，在接收到GPO指令后，付款端根据上述信息并结合之前获取的优惠活动信息，判断当前付款端中已安装且激活(即可以使用)的银行卡应用中，是否存在符合优惠条件的优惠卡(种类符合，且本次金额符合条件)；如果存在，进一步判断此优惠卡是否是当前付款端设置的默认卡，如果不是，则将此优惠卡调整为本次交易中要使用的卡片(即将优惠卡的AID写入付款端的NG-SE或临时设为默认卡，可以基于用户确认或之前用户设置的策略，允许进行这样的调整)，并中断当前的NFC通信，然后重新启动NFC通信，使用优惠卡重新启动交易流程。
图4是本发明实施例提供的基于EMVCo/PBOC的一种实现方式的流程图。如图4所示，
在交易之前，付款端从服务器获取已安装且激活的银行卡的第一类优惠活动信息(S401)，第一类优惠活动信息包括PoS信息(哪些PoS上有这个优惠，可以由PoS机ID和/或PoS机收单行(即PoS机的布置者)确定)，优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)；
付款端接收PoS机发送的选择PPSE指令(S402)，付款端发送选择PSE指令响应(S403)，其中，PSE响应消息中包含PDOL，并要求PoS机提供PoS机信息和交易金；
付款端接收到PoS机发送的GPO指令(S404)，其中包含PoS机信息和交易金额；
付款端根据所述交易金额以及PoS机信息，以及第一类优惠活动信息，确定存在满足优惠活动条件的优惠卡应用，并判断此优惠卡应用是不是当前的默认卡(S405)
如果优惠卡即是默认卡，则响应GPO指令并按照正常的流程完成交易处理(S410)；
如果优惠卡不是默认卡，则执行步骤S406；
付款端确定需要切换使用优惠卡进行交易(确定的方法包括：在UI界面提示用户确认，或者基于用户预设的策略自动切换)，将优惠卡的AID写入付款端的PPSE中(即作为下一次交易需要使用的默认卡应用)(S406)；
付款端终止当前与PoS机的NFC通信连接，然后重新启动与PoS机的NFC通信(S407)，接收PoS机发送的选择PSE消息(S408)；付款端向PoS发送选择PSE响应(S409)，在选择PSE响应中提供新PSE的FCI，使用更新后的PPSE，完成交易；
在交易完成后，可以将默认卡修改回原默认卡。
基于PBOC/EMVCo技术的另一种实现方式:
首先，PoS机在发送选择指令之前，先向付款端发送本机上存在的优惠活动信息， 以及交易金额。
然后，付款端根据上述信息，判断当前付款端中已安装且激活(即可以使用)的银行卡应用中，是否存在符合优惠条件的优惠卡(种类符合，且本次金额符合条件)；如果存在，进一步判断此优惠卡是否是当前付款端设置的默认卡，如果不是，则将此优惠卡调整为本次交易中要使用的卡片(即将优惠卡的AID写入付款端的NG-SE或临时设为默认卡，可以基于用户确认或之前用户设置的策略，允许进行这样的调整)；
最后，PoS机与付款端按照EMVCo/PBOC标准流程，进行交易处理。
图5是本发明实施例提供的基于EMVCo/PBOC的另一种实现方式的流程图。如图5所示，
在交易之前，付款端从服务器获取已安装且激活的银行卡的第一类优惠活动信息(S501)，第一类优惠活动信息包括PoS信息(哪些PoS上有这个优惠，可以由PoS机ID和/或PoS机收单行(即PoS机的布置者)确定)，优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)。
在启动交易流程之前，付款端接收到PoS机通过NFC发送的交易金额和PoS机信息(S502)；
付款端接收到PoS机发送的选择PPSE指令(S503)；
付款端根据所述交易金额以及PoS机信息，以及第一类优惠活动信息，确定存在满足优惠活动条件的优惠卡应用，并判断此优惠卡应用是不是当前的默认卡(S504)；
如果优惠卡即是默认卡，则响应GPO指令并按照正常的流程完成交易处理(S507)；
如果优惠卡不是默认卡，则执行步骤S505；
付款端确定需要切换使用优惠卡进行交易(确定的方法包括：在UI界面提示用户确认，或者基于用户预设的策略自动切换)，将优惠卡的AID写入付款端的PPSE中(即作为下一次交易需要使用的默认卡应用)(S505)；
付款端响应PoS机的选择PSE指令(S506)，其中，在响应消息中提供PSE的FCI，并根据现有标准流程完成交易处理
在交易完成后，可以将默认卡修改回原默认卡。
图6是本发明实施例提供的基于EMVCo/PBOC的又一种实现方式的流程图。如图6所示，
在启动交易流程之前，付款端接收PoS机发送的交易金额以及所述PoS机上的第二类优惠活动信息(S601)，第二类优惠活动信息包括优惠卡信息(哪些卡片可以参与此优惠，可以由优惠卡对应的AID确定)，以及需要满足优惠条件(如交易金额需大于等于100元，可以减免30元等)；(说明：第一类优惠活动信息和第二类优惠活动信息的区别是，前者是付款端从服务器获取的，针对所有可能会遇到的有优惠活动的PoS机，因此其中含有优惠活动PoS机的信息；后者是针对当前的PoS机，因此无需 含有PoS机信息)
付款端接收到PoS机发送的选择PPSE指令(S602)；
付款端根据所述交易金额以及第二类优惠活动信息，确定存在满足优惠活动条件的优惠卡应用，并判断此优惠卡应用是不是当前的默认卡(S603)；
如果优惠卡即是默认卡，则不修改PPSE，根据现有PBOC交易处理流程交易(S606)；
如果优惠卡不是默认卡，则执行步骤S604；
确定需要切换使用优惠卡进行交易(确定的方法包括：在UI界面提示用户确认，或者基于用户预设的策略自动切换)，并将优惠卡的AID写入付款端的PPSE中(S604)；
付款端响应PoS机的选择PSE指令(S605)，并执行交易。
在交易完成后，可以将默认卡修改回原默认卡。
本发明实施例通过移动终端在支付交易前确定满足优惠活动的银行卡，并自动选择并使用该银行卡交易，解决了现有技术中先选定支付卡，然后才获得用于确定优惠卡的信息，而导致无法实现自动选择并使用优惠卡的问题，提升了用户体验。
本发明实施例适用于移动终端。在一些实施例中，该移动终端可以是例如手机的便携式移动终端，也可以是平板电脑、PDA(Personal Digital Assistant，个人数字助理)、POS(Point of Sales，销售终端)、车载电脑等具有耳机接口的通信装置。为了便于说明，本发明实施例以手机为例示例性说明。
图7是本发明实施例提供的手机100的部分结构的框图。如图7所示，手机100可以包括壳体、显示屏640、存储器620、处理器680、天线、射频电路610、定位模块695、传感器650、其他输入设备630、I/O子系统670、音频电路660、电源690、耳机接口200等部件。本领域技术人员可以理解，图7中示出的手机结构并不构成对手机的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者拆分某些部件，或者不同的部件布置。
手机100可以具有壳体。用于处理无线通信的天线可被容纳在壳体内。壳体，也可被称为机壳，可由任意适合的材料形成。包括塑料、玻璃、陶瓷、金属、或其它适合材料、或这些材料的组合。在一些实施方式中，壳体或壳体的若干部分可由电介质或其它低导电性材料形成；从而不会干扰位于壳体附近的导电天线元件的工作。壳体或壳体的若干部分还可由导电材料(例如金属)形成。由金属元件形成壳体的情况，一个或多个金属元件可被用作手机100中的天线的一部分。
显示屏640可用于显示由用户输入的信息或提供给用户的信息以及手机100的各种菜单，还可以接受用户输入。具体的显示屏640可包括显示面板641，以及触控面板642。其中显示面板641可以采用LCD(Liquid Crystal Display，液晶显示器)、OLED(Organic Light-Emitting Diode,有机发光二极管)等形式来配置显示面板641。触控面板642，也称为触摸屏、触敏屏等，可收集用户在其上或附近的接触或者非接触操作(比如用户使用手指、触笔等任何适合的物体或附近在触控面板642上或在触控面板642附近的操作，也可以包括体感操作；该操作包括单点控制操作、多点控制操作等操作类型。)，并根据预先设定的程式驱动相应的连接装置。 可选的，触控面板642可包括触摸检测装置和触摸控制器两个部分。其中，触摸检测装置检测用户的触摸方位、姿势，并检测触摸操作带来的信号，将信号传送给触摸控制器；触摸控制器从触摸检测装置上接收触摸信息，并将它转换成处理器能够处理的信息，再送给处理器680，并能接收处理器680发来的命令并加以执行。此外，可以采用电阻式、电容式、红外线以及表面声波等多种类型实现触控面板642，也可以采用未来发展的任何技术实现触控面板642。进一步的，触控面板642可覆盖显示面板641，用户可以根据显示面板641显示的内容(该显示内容包括但不限于，软键盘、虚拟鼠标、虚拟按键、图标等等)，在显示面板641上覆盖的触控面板642上或者附近进行操作，触控面板642检测到在其上或附近的操作后，通过I/O子系统670传送给处理器680以确定用户输入，随后处理器680根据用户输入通过I/O子系统670在显示面板641上提供相应的视觉输出。触控面板642与显示面板641可以作为两个独立的部件来实现手机100的输入和输入功能，但是在某些实施例中，可以将触控面板642与显示面板641集成而实现手机100的输入和输出功能。
手机100还可以包括存储器620，用于存储计算机可执行程序代码，所述程序代码包括指令。处理器680通过运行存储在存储器620的指令，从而执行手机100的各种功能应用以及数据处理。存储器620可主要包括存储程序区和存储数据区。其中，存储程序区可存储操作系统、至少一个功能所需的应用程序(比如声音播放功能、图像播放功能等)等。存储数据区可存储根据手机100的使用所创建的数据(比如音频数据、电话本等)等。此外，存储器620可以包括高速随机存取存储器，还可以包括非易失性存储器，例如至少一个磁盘存储器件、闪存器件、或其他易失性固态存储器件。
手机100还可以包括处理器680。处理器680是手机100的控制中心。利用各种接口和线路连接整个手机的各个部分。通过运行或执行存储在存储器620内的软件程序和/或模块，以及调用存储在存储器620内的数据，执行手机100的各种功能和处理数据，从而对手机进行整体监控。可选的，处理器680可包括一个或多个处理单元。处理器680可集成应用处理器、调制解调处理器，基带模块、功率管理芯片、存储器、编解码器等。其中，应用处理器主要处理操作系统、用户界面和应用程序等。调制解调处理器主要处理无线通信。可以理解的是，上述调制解调处理器也可以不集成到处理器680中。可以使用处理器680和存储器620实现互联网协议、无线局域网协议(例如，IEEE702.11)、3G、4G、5G通信协议等。
手机100可以包括近场通信电路。因此，手机100可以使用近场通信与外部设备(诸如，具有NFC功能的非接触式收款端设备(例如，Pos机))进行无线通信。例如，手机100中的近场通信电路可以包括近场发射器和近场接收器。可以使用电容耦合近场通信结构和/或电感耦合近场通信结构来支持用于手机100的近场通信。在近场通信技术中，通常例如在1米或者更短、100厘米或者更短、10厘米或者更短或者1厘米或者更短的距离上传达无线信号，而不是在更长的距离上传达无线信号。
手机100还可以包括天线,用于发射、接收射频信号。天线可以位于手机100中的任意位置。本发明实施例示意的天线的位置仅是示例性说明。手机100可以具有一个或多个天线。手机100中的每个天线可用于覆盖单个或多个通信频带。
手机100还包括射频电路610。用于在收发信息或通话过程中，信号的接收和发送。例如，接收基站的下行信息后，发送给处理器680处理。另外，将上行的数据发送给基站。通常，射频电路610包括至少一个功率放大器609、收发器608、耦合器、LNA(Low Noise Amplifier，低噪声放大器)、双工器等。此外，射频电路610还可以通过无线通信与网络和其他设备通信。所述无线通信可以使用任一通信标准或协议，包括但不限于GSM(Global System of Mobile communication，全球移动通讯系统)、GPRS(General Packet Radio Service，通用分组无线服务)、CDMA(Code Division Multiple Access，码分多址)、WCDMA(Wideband Code Division Multiple Access,宽带码分多址)、LTE(Long Term Evolution,长期演进)、电子邮件、SMS(Short Messaging Service，短消息服务)等。
可选的，手机100还可以包括定位模块695。定位模块用于检测手机100的位置、方位等。手机100的位置或方位的检测可使用各种定位服务来执行，例如全球定位系统(Global Positioning System,GPS)、辅助式GPS(Assisted GPS,A-GPS)、基于对已注册蜂窝式电话的蜂窝式电话基站三角测量或三边测量、伽利略定位系统，或其它定位或位置服务或技术。可使用各种硬件、软件及其组合来检测手机100的位置或方位，例如GPS单元、加速计以及手机100中的其它定向和移动检测服务或技术。
手机100还可以包括传感器650，可以包括接近传感器、环境光传感器、加速计传感器等。其中，环境光传感器可根据环境光线的明暗来调节显示面板641的亮度，接近传感器可在手机100移动到耳边时，关闭显示面板641和/或背光。
接近传感器可以包括例如发光二极管(LED)和相关联的光检测器，例如光电二极管。发光二极管可以是红外发光二极管，通过发光二极管向外发射红外光。使用光电二极管检测来自附近物体的红外反射光。当检测到充分的反射光时，可以确定手机100附近有物体。当检测到不充分的反射光时，可以确定手机100附近没有物体。
环境光传感器可以是能够检测进入光的光电二极管或其它光传感器。环境光传感器可以工作于可见光谱和/或红外光谱。当环境光传感器未被物体遮挡，相对于当环境光传感器被物体遮挡时，环境光传感器一般将接收到更多的光13，因此可以使用环境光传感器产生接近性数据。该数据可以单独使用或与其它传感器的接近性数据结合使用，以便手机100更准确的确定手机附近有没有物体。
加速计传感器可检测各个方向上(一般为三轴)加速度的大小。当手机100静止时可检测出重力的大小及方向。加速计传感器可用于识别手机姿态的应用(比如横竖屏切换、相关游戏、磁力计姿态校准)、振动识别相关功能(比如计步器、敲击)等。可以使用加速度计确定手机100是否在运动(可能被用户拿着)，或手机100是否正被用户握着，从而其左边缘或右边缘面朝下，或手机100是否正水平放置在桌面上。如果确定手机100是水平并且是静止的，可以确定手机100不太可能被握持。该数据可以与来自接近传感器的数据和其它数据组合，以辅助确定从手机100中的其它传感器获得的读数是否准确。
手机100可以并行处理来自多个传感器设备(例如，接近传感器、环境光传感器等)的信号，确定手机100附近是否有物体，提升了确定手机100与物体之间距离的准确性。
至于手机100还可配置的陀螺仪、气压计、湿度计、温度计、红外线传感器等其他传感器，在此不再赘述。
其他输入设备630可用于接收输入的数字或字符信息，以及产生与手机100的用户设置以及功能控制有关的键信号输入。具体地，其他输入设备630可包括但不限于物理键盘、功能键(比如音量控制按键、开关按键等)、轨迹球、鼠标、操作杆、光鼠(光鼠是不显示可视输出的触摸敏感表面，或者是由触摸屏形成的触摸敏感表面的延伸)等中的一种或多种。其他输入设备630与I/O子系统670的其他输入设备控制器671相连接，在其他设备输入控制器671的控制下与处理器680进行信号交互。
音频电路660、扬声器161，麦克风162可提供用户与手机100之间的音频接口。音频电路660可将接收到的音频数据转换后的信号，传输到扬声器161，由扬声器161转换为声音信号输出。另一方面，麦克风162将收集的声音信号转换为信号，由音频电路660接收后转换为音频数据，再将音频数据输出至射频电路610以发送给比如另一手机，或者将音频数据输出至存储器620以便进一步处理。
用户可以将耳机插入耳机接口200，耳机接口200的管脚与耳机连接，耳机的麦克风以及左右声道听筒可以提供用户与手机100之间的音频接口。音频电路660可以将音频数据转换后的信号，传输到耳机的左右声道听筒，转换为声音信号输出。另一方面，耳机麦克风将收集的声音信号转换为电信号，通过耳机接口将电信号传递至音频电路660，进而转换为音频数据以便进一步处理。
I/O子系统670用来控制输入输出的外部设备，可以包括其他设备输入控制器671、传感器控制器672、显示控制器673。可选的，一个或多个其他输入控制设备控制器671从其他输入设备630接收信号和/或者向其他输入设备630发送信号，其他输入设备630可以包括物理按钮(按压按钮、摇臂按钮等)、拨号盘、滑动开关、操纵杆、点击滚轮、光鼠(光鼠是不显示可视输出的触摸敏感表面，或者是由触摸屏形成的触摸敏感表面的延伸)。值得说明的是，其他输入控制设备控制器671可以与任一个或者多个上述设备连接。所述I/O子系统670中的显示控制器673从显示屏640接收信号和/或者向显示屏640发送信号。显示屏640检测到用户输入后，显示控制器673将检测到的用户输入转换为与显示在显示屏640上的用户界面对象的交互，即实现人机交互。传感器控制器672可以从一个或者多个传感器650接收信号和/或者向一个或者多个传感器650发送信号。
手机100还包括给各个部件供电的电源690(比如电池)。优选的，电源可以通过电源管理系统与处理器680逻辑相连，从而通过电源管理系统实现管理充电、放电、以及功耗等功能。
尽管未示出，手机100还可以包括摄像头、蓝牙模块等，在此不再赘述。
本发明实施例中，优惠卡可以是具有优惠活动的银行卡。优惠活动可以为各银行卡的归属银行或收款设备所持者发布的活动信息。
还需要说明的是，在本发明实施例中，诸如第一、第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或者操作之间存在任何这种实际的关系或者顺序。而且，术语“包括”、“包含”或者任何其他涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者设备不仅仅包括那些要素，而且还包括没有明确列出的其他要素，或者还包括为这种过程、方法、物品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括…”、“包含…”限定的要素，并不排除在包括所述要素的过程、方法、物品或者设备中还存在另外的相同要素。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以通过程序来指令处理器完成，所述的程序可以存储于计算机可读存储介质中，所述存储介质是非短暂性(英文：non-transitory)介质，例如随机存取存储器，只读存储器，快闪存储器，硬盘，固态硬盘，磁带(英文：magnetic tape)，软盘(英文：floppy disk)，光盘(英文：optical disc)及其任意组合。
本发明是参照本发明实施例的方法和设备各自的流程图和方框图来描述的。应理解可由计算机程序指令实现流程图和方框图中的每一流程和方框、以及流程图和方框图中的流程和方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和方框图一个方框或多个方框中指定的功能的装置。

Claims (12)

  1. 一种移动支付的方法，适用于移动终端，其特征在于：
    所述移动终端接收来自收款端设备的第一消息；
    根据所述第一消息，确定存在符合预设条件的第一账号；
    使用所述第一账号进行移动支付。
  2. 如权利要求1所述的方法，其特征在于，所述第一消息包括交易金额和收款设备标识。
  3. 如权利要求2所述的方法，其特征在于，所述方法还包括，在所述移动终端接收来自收款端设备的第一消息之前，所述移动终端向所述收款端设备请求所述交易金额和所述收款设备标识。
  4. 如权利要求1-3任一项所述的方法，其特征在于，所述方法还包括：当所述第一账号是默认账号时，获得第一PPSE，所述第一消息中包含所述第一PPSE，所述第一PPSE中包含所述默认账号的应用标识。
  5. 如权利要求1-3任一项所述的方法，其特征在于，所述方法还包括：当所述第一账号不是默认账号时，获得第二PPSE，并向所述收款设备发送第二消息，所述第二消息中包含所述第二PPSE，所述第二PPSE中包含所述第一账号的应用标识。
  6. 如权利要求1至5任一项所述的方法，其特征在于，所述方法还包括：所述移动终端从服务器获取已注册的银行卡的归属银行的活动信息，所述活动信息包括收款设备标识、银行卡标识、以及活动条件。
  7. 如权利要求1所述的方法，其特征在于，所述第一消息包括交易金额和收款设备的活动信息。
  8. 如权利要求7所述的方法，其特征在于，所述方法还包括，在所述移动终端接收来自收款端设备的第一消息之前，所述移动终端向所述收款端设备请求所述交易金额和所述收款设备标识。
  9. 如权利要求7或8所述的方法，其特征在于，所述方法还包括：当所述第一账号是默认账号时，获得第一PPSE，所述第一消息中包含所述第一PPSE，所述第一PPSE中包含所述默认账号的应用标识。
  10. 如权利要求7或8所述的方法，其特征在于，所述方法还包括：当所述第一账号不是默认账号时，获得第二PPSE，并向所述收款设备发送第二消息，所述第二消息中包含所述第二PPSE，所述第二PPSE中包含所述第一账号的应用标识。
  11. 一种移动支付装置，其特征在于，包括存储器，处理器以及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述程序时使得所述移动支付装置实现如权利要求1-10任意一项所述的步骤。
  12. 一种计算机可读存储介质，包括指令，当所述指令在移动支付装置上运行时，使得所述移动支付装置执行如权利要求1-10任意一项所述的方法。
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