WO2020093812A1 - 移动支付方法及装置和电子设备 - Google Patents

移动支付方法及装置和电子设备 Download PDF

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Publication number
WO2020093812A1
WO2020093812A1 PCT/CN2019/108405 CN2019108405W WO2020093812A1 WO 2020093812 A1 WO2020093812 A1 WO 2020093812A1 CN 2019108405 W CN2019108405 W CN 2019108405W WO 2020093812 A1 WO2020093812 A1 WO 2020093812A1
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WIPO (PCT)
Prior art keywords
payment
code
control unit
communication link
micro control
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PCT/CN2019/108405
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English (en)
French (fr)
Inventor
张鸿
姜钻锋
万旭阳
尹欢密
覃瑶
Original Assignee
阿里巴巴集团控股有限公司
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Publication of WO2020093812A1 publication Critical patent/WO2020093812A1/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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Definitions

  • the embodiments of the present specification relate to the field of payment technology, and in particular, to a mobile payment method and device, and electronic equipment.
  • the scan code payment method has a problem of low efficiency, that is, the user needs to take out the mobile phone, open the payment application, open the scan code function, and scan the QR code of the payment collection. It takes a long time and does not use some Requirement for instant or short-term payment scenarios.
  • a mobile payment system includes a mobile terminal and a payment collection device; wherein the mobile terminal has a restricted domain communication module, and the restricted domain communication module specifically includes 2.4G A communication module, an alternating magnetic field module and a micro control unit, the security chip in the micro control unit stores a payment code generation algorithm and a code factor;
  • the alternating magnetic field module is used to identify the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field;
  • the 2.4G communication module is used to establish a 2.4G communication link with the payment collection device
  • the micro control unit is used to receive the transaction timestamp sent by the collection device through the 2.4G communication link; and generate a payment code based on the device information, code factor and transaction timestamp based on the payment code generation algorithm in the security chip ;
  • the micro control unit is also used to send the payment code to the payment device through the 2.4G communication link, so that the payment device can complete the corresponding payment code through the reverse scan code payment link Payment transaction.
  • a mobile payment method is provided.
  • the method is applied to a mobile terminal, and the mobile terminal integrates a limited domain communication module, and the limited domain communication module includes a 2.4G communication module and an alternating magnetic field.
  • the security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application.
  • the method includes:
  • the micro control unit Based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field;
  • the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • the micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link;
  • the micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip;
  • the micro control unit sends the payment code to the payment collection device through the 2.4G communication link, so that the payment collection device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link.
  • a mobile payment device is provided.
  • the device is applied to a mobile terminal, and the mobile terminal integrates a limited domain communication module.
  • the limited domain communication module includes a 2.4G communication module and an alternating magnetic field.
  • the security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application.
  • the device includes:
  • An identification unit based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-domain communication through the alternating magnetic field;
  • the micro control unit setting the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • the micro control unit receives the transaction timestamp sent by the payment collection device based on the 2.4G communication link;
  • a generating unit the micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip;
  • a sending unit the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction.
  • an electronic device including:
  • Memory for storing processor executable instructions
  • the processor is configured as any one of the mobile payment methods described above.
  • a mobile device can implement RCC communication with a RCC-enabled payment collection device based on an RCC module.
  • the mobile device can finally transmit the payer to the payment collection device through RCC communication. Make payment.
  • the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used
  • the provided embodiment can quickly complete mobile payment, greatly reducing the payment time and improving the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, the payment code can be generated through the security chip in the RCC module Therefore, mobile payment for RCC communication can be realized even when the mobile terminal is off.
  • FIG. 1 is a schematic structural diagram of a mobile payment system provided by an embodiment of this specification.
  • FIG. 3 is a schematic structural diagram of a mobile payment system provided by an embodiment of this specification.
  • FIG. 5 is a hardware structure diagram of a mobile payment device provided by an embodiment of this specification.
  • FIG. 6 is a block diagram of a mobile payment device provided by an embodiment of this specification.
  • FIG. 7 is a hardware structure diagram of a mobile payment device provided by an embodiment of this specification.
  • FIG. 8 is a schematic block diagram of a mobile payment device provided by an embodiment of the present specification.
  • first, second, third, etc. may be used to describe various information in this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • first information may also be referred to as second information, and similarly, the second information may also be referred to as first information.
  • word “if” as used herein may be interpreted as "when” or “when” or “in response to a determination”.
  • the instantaneous or short-term described in this specification is relative to the duration of the entire payment process.
  • the duration of less than the threshold can be called the instantaneous or short-term, for example, the payment with a payment duration of less than 5 seconds Instant payment or short-term payment.
  • the following uses the mobile payment application in public transportation as an example to illustrate the instant or short-term payment scenario.
  • passengers need to pay the bus ride fee.
  • the scan code payment method is not applicable.
  • NFC Near Field Communication
  • anti-scan code payment technology has been introduced in related technologies.
  • the reverse scan code payment technology is the opposite of scan code payment.
  • Scan code payment is a QR code provided by the payee and scanned by the payer; while scan code payment is a QR code produced by the payer and scanned by the payee .
  • anti-scanning code payment generally requires the payee to be equipped with a scanning terminal. When in use, the payer can move the payment QR code displayed on the mobile terminal close to the code scanning terminal for the code scanning terminal to automatically scan the code; the payment amount is also set by the code scanning terminal.
  • FIG. 1 it is a schematic structural diagram of a mobile payment system provided by the present specification.
  • the system may include a mobile terminal 10 and a payment collection device 20; ) Module 11, the RCC module 11 may specifically include a Bluetooth communication (Bluetooth Low Energy, BLE) module 111, a 2.4G communication module 112, an alternating magnetic field module 113, and a microcontroller unit (MCU) 114;
  • BLE Bluetooth Low Energy
  • MCU microcontroller unit
  • the alternating magnetic field module 113 is used to identify the device information and 2.4G communication link parameters of the payment device 20 transmitted by the payment device 20 that supports limited-area communication through the alternating magnetic field;
  • the 2.4G communication module 112 is used to establish a 2.4G communication link with the payment collection device 20;
  • the Bluetooth communication module 111 is used to establish a Bluetooth communication link with the mobile terminal 10;
  • the micro control unit 114 is configured to transfer the device information 20 to the payment application installed on the mobile terminal 10 based on the Bluetooth communication link; and pass the payment code generated by the payment application according to the device information
  • the 2.4G communication link is sent to the payment device 20, so that the payment device 20 completes the payment transaction corresponding to the payment code through the anti-scanning code payment link.
  • the system may further include a payment operation server 30 for receiving and processing the payment transaction request initiated by the payment collection device 20 after the anti-scanning payment code.
  • a payment operation server 30 for receiving and processing the payment transaction request initiated by the payment collection device 20 after the anti-scanning payment code.
  • an anti-scanning payment link may be established between the payment collection device 20 and the payment operation server 30 for executing a payment transaction request of the payment collection device 20.
  • the mobile terminal 10 may include mobile devices such as smart phones, smart watches, and smart bracelets.
  • the name of the collection device 20 may be different in different scenarios.
  • the collection device 20 may refer to a POS (Point of Sales) machine; on a bus, the collection device 20 may Refers to a smart bus card swipe machine; in a subway scenario, the collection device 20 may be a subway gate (also called a wing gate); in short, no matter what the scenario, as long as it is a machine, device, etc. used to collect money, it can be called Receiving equipment.
  • the restricted communication is a technology that uses 2.4G (some are also called 2.45G) combined with an alternating magnetic field to realize data communication.
  • the difference between the RCC and the foregoing NFC may include at least:
  • the communication frequency band of NFC is 13.56MHz; and the frequency band of RCC is 2.4G.
  • the 2.4G is a general term, and its communication frequency band is generally between 2.400GHz and 2.4835GHz, and some include 2.45GHZ.
  • the communication distance is different.
  • the communication distance of NFC is usually within 10 cm; and RCC can realize the control of multiple communication distance sections such as within 10 cm in close range, within 50 cm in medium range, and around 10 meters in long range.
  • NFC communication bandwidth is between 106K-848K; and RCC is between 1M-8M, which is 10 times that of NFC; therefore, the response time of RCC is much shorter than NFC.
  • RCC can be applied to the mobile phone SIM (Subscriber Identification Module) card to make an RCC-SIM card.
  • the mobile terminal can have RCC communication capabilities after it is inserted into the RCC-SIM card.
  • it can also be applied to an SD card (Secure Digital Memory Card) to make an RCC-SD card, and the mobile terminal can have RCC communication capabilities when inserted into the RCC-SD card.
  • SIM Subscriber Identification Module
  • SD card Secure Digital Memory Card
  • the aforementioned limited domain communication module may refer to an RCC-SUM card, that is, the mobile terminal is inserted with an RCC-SUM card, so that the mobile terminal can have RCC communication capabilities.
  • the aforementioned limited-area communication module may refer to a hardware module that has an RCC function alone, and the hardware module may be integrated on the main board of the mobile terminal, so that the mobile terminal can have RCC communication capabilities.
  • the payment device needs to have an RCC module if it wants to have RCC capability; of course, because the payment device does not need to have all the communication capabilities of a mobile terminal, it may not have a Bluetooth module.
  • the mobile device can implement RCC communication with the RCC-enabled payment collection device based on the RCC module.
  • the mobile device can finally transmit the payer to the payment collection device through RCC communication to realize payment.
  • the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used
  • the provided embodiment can quickly complete the mobile payment, greatly reducing the payment time and improving the payment efficiency.
  • Step 210 The micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-domain communication through the alternating magnetic field based on the alternating magnetic field module.
  • Step 220 The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • Step 230 The micro control unit transfers the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal, so that the payment application Generate a payment code according to the device information;
  • Step 240 The micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module;
  • Step 250 The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction.
  • limited-area communication can refer to a technology that uses 2.4G (some are also called 2.45G) in combination with alternating magnetic fields to achieve data communication.
  • the user can hold the mobile terminal (the mobile terminal integrated RCC module) close to a payment collection device that supports RCC transactions.
  • the payment collection device continuously sends its own device information and 2.4G communication link parameters through an alternating magnetic field.
  • the device information may include a collection device number (usually the number is unique, one number corresponds to a unique device) and / or a location of the collection device, the location may be the current city, and may be specifically located Latitude and longitude.
  • the MCU of the RCC module on the mobile terminal can recognize the device information and 2.4G communication link parameters sent by the payment collection device based on the alternating magnetic field module.
  • the MCU can set the 2.4G communication module according to the 2.4G communication link parameters; since the 2.4G communication link parameters are the parameters for establishing the 2.4G communication link agreed by the collection device, when the 2.4G communication After the module also sets the 2.4G communication link parameters, the 2.4G communication link with the payment device can be established.
  • the MCU may establish a Bluetooth communication link between the Bluetooth communication module and the mobile terminal, and pass the device information to the payment application installed on the mobile terminal, so that the payment application Generating a payment code according to the device information; and the MCU may receive the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module.
  • the payment application generates a payment code according to the device information, which may specifically include:
  • the payment code is generated based on the device information, code factor and transaction timestamp.
  • the transaction timestamp can generally refer to the current timestamp when the payment code is generated, provided by the payment application.
  • the MCU After the MCU receives the payment code, it can send the payment code to the collection device based on the previously established and maintained 2.4G communication link, so that the collection device completes the payment through the anti-scanning code payment link The payment transaction corresponding to the payment code.
  • the anti-scanning code payment link is a link established between the payment collection device and the payment operation server, and is used to execute a payment transaction request of the payment collection device.
  • the collection device can scan the payment code to obtain the account information of the payer, assemble the collection request after adding the information such as the amount to be collected, and send the collection request based on the anti-scanning code payment link
  • the payment operation server completes the transaction according to the message in the payment request, for example, in the case of determining the payer account, the payee account and the payment amount, the payment amount is deducted from the payer account Funds, and inject the deducted funds into the recipient's account.
  • the payer may include a public transportation ride code. Specifically: when taking the bus, the bus ride code; when taking the subway, the subway ride code; when taking the light rail, the light rail ride code; when taking the high-speed rail, motor train and other train ride codes.
  • the mobile device can implement RCC communication with the RCC-supported payment device based on the RCC module.
  • the mobile device can finally transmit the payer to the payment device through RCC communication to realize payment.
  • the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used
  • the provided embodiment can quickly complete the mobile payment, greatly reducing the payment time and improving the payment efficiency.
  • the payment application in the mobile terminal needs to be always open during the payment process.
  • the payment application permissions can be set in the operating system of the mobile terminal, such as keeping the payment application running in the background while the screen is off, or the payment application self-starting, etc .; so that the user can realize the movement of RCC communication in the screen off state Pay.
  • the user may not set the permission to pay the application; or some security software may restrict the self-starting of the payment application and automatically close the payment application running in the background, etc., which will cause the mobile terminal to be unable to make mobile payment when the screen is turned off.
  • this specification also provides another mobile payment solution to solve the problem of smoothly performing mobile payment when the mobile terminal is off.
  • FIG. 3 it is a schematic structural diagram of a mobile payment system provided by the present specification.
  • the system includes a mobile terminal 60 and a payment collection device 70; wherein, the mobile terminal 60 has a restricted domain communication module 61, and the restricted domain
  • the communication module 61 specifically includes a 2.4G communication module 612, an alternating magnetic field module 613, and a micro control unit 611.
  • the security chip (SecureElement, SE) 614 in the micro control unit 611 stores a payment code generation algorithm and a payment application Code factor
  • the alternating magnetic field module 613 is used to identify the device information and 2.4G communication link parameters of the payment receiving device 70 transmitted by the payment receiving device 70 supporting limited-domain communication through the alternating magnetic field;
  • the 2.4G communication module 612 is used to establish a 2.4G communication link with the payment collection device 70;
  • the micro control unit 611 is used to receive the transaction time stamp sent by the payment collection device 70 through the 2.4G communication link; Generate payment code;
  • the micro control unit 611 is further configured to send the payment code to the payment device 70 through the 2.4G communication link, so that the payment device 70 completes the payment through the reverse scan code payment link Payment transaction corresponding to the code.
  • the system may further include a payment operation server 80 for receiving and processing the payment transaction request initiated by the payment collection device 80 after the anti-scanning payment code.
  • a payment operation server 80 for receiving and processing the payment transaction request initiated by the payment collection device 80 after the anti-scanning payment code.
  • an anti-scanning payment link may be established between the payment collection device 70 and the payment operation server 80 for executing the payment transaction request of the payment collection device 80.
  • the mobile terminal 60 may include mobile devices such as smart phones, smart watches, and smart bracelets.
  • the name of the collection device 70 may be different in different scenarios.
  • the collection device 70 may refer to a POS machine; on a bus, the collection device 70 may refer to smart Bus credit card machine; in a subway scenario, the collection device 70 can be a subway gate (also called a wing gate); in short, no matter what the scenario, as long as it is a machine or device used to collect money, it can be called a collection device.
  • the mobile device may implement RCC communication with the RCC-enabled payment collection device based on the RCC module.
  • the mobile device may finally transmit the payer to the payment collection device through RCC communication to realize payment.
  • the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used
  • the provided embodiment can quickly complete mobile payment, greatly reducing the payment time and improving the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, the payment code can be generated through the security chip in the RCC module Therefore, mobile payment for RCC communication can be realized even when the mobile terminal is off.
  • the method is applied to a mobile terminal, the mobile terminal integrates a limited domain communication module, and the limited domain communication module includes a 2.4G communication module , An alternating magnetic field module, a payment code generation module and a micro control unit, the security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application, the method includes:
  • Step 310 The micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-domain communication through the alternating magnetic field based on the alternating magnetic field module;
  • Step 320 The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • Step 330 The micro control unit receives the transaction timestamp sent by the payment collection device based on the 2.4G communication link;
  • Step 340 The micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip;
  • Step 350 The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction.
  • limited-area communication can refer to a technology that uses 2.4G (some are also called 2.45G) in combination with alternating magnetic fields to achieve data communication.
  • the user can hold the mobile terminal (the mobile terminal integrated RCC module) close to a payment collection device that supports RCC transactions.
  • the payment collection device continuously sends its own device information and 2.4G communication link parameters through an alternating magnetic field.
  • the device information may include a collection device number (usually the number is unique, one number corresponds to a unique device) and / or a location of the collection device, the location may be the current city, and may be specifically located Latitude and longitude.
  • the MCU of the RCC module on the mobile terminal can recognize the device information and 2.4G communication link parameters sent by the payment collection device based on the alternating magnetic field module.
  • the MCU can set the 2.4G communication module according to this 2.4G communication link parameter; since this 2.4G communication link parameter is the parameter established by the payment device to establish the 2.4G communication link, when the 2.4G communication module is also set After the parameters of the 2.4G communication link are established, the 2.4G communication link with the payment collection device can be established.
  • the payment collection device may send a transaction time stamp based on the 2.4G communication link; the transaction time stamp may refer to the time stamp when the payment collection device sends it.
  • the transaction timestamp in this embodiment is provided by the payment collection device. The reason is that in this embodiment, the payment application does not participate in the generation of the payment code, but the transaction timestamp is indispensable, so the payment timestamp is provided by the collection device.
  • the MCU can generate a payment code based on the device information, code factor, and transaction timestamp based on the payment code generation algorithm in the security chip.
  • the code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link.
  • a Bluetooth communication module (not shown in FIG. 3) needs to be set in the RCC module; and the Bluetooth communication module can establish a Bluetooth communication link with the mobile terminal and receive the code factor passed by the payment application based on the Bluetooth communication link .
  • the long-term effective code factor will eventually be invalid.
  • the payment application can pass the latest code factor to the SE in the RCC module through the Bluetooth communication link To update the code factor stored in the SE.
  • the MCU can send the payment code to the collection device based on the previously established and maintained 2.4G communication link, so that the collection device completes the transaction through the anti-scan code payment link The payment transaction corresponding to the payment code.
  • the anti-scanning code payment link is a link established between the payment collection device and the payment operation server, and is used to execute the payment transaction request of the payment collection device.
  • the collection device can scan the payment code to obtain the account information of the payer, assemble the collection request after adding the information such as the amount to be collected, and send the collection request based on the anti-scanning code payment link
  • the payment operation server completes the transaction according to the message in the payment request, for example, in the case of determining the payer account, the payee account and the payment amount, the payment amount is deducted from the payer account Funds, and inject the deducted funds into the recipient's account.
  • the payer may include a public transportation ride code. Specifically: when taking the bus, the bus ride code; when taking the subway, the subway ride code; when taking the light rail, the light rail ride code; when taking the high-speed rail, motor train and other train ride codes.
  • unmanned vending machines unmanned ticket vending machines, baby grab machines, food and beverage machines, self-service camera machines, etc.
  • the mobile device may implement RCC communication with the RCC-enabled payment collection device based on the RCC module.
  • the mobile device may finally transmit the payer to the payment collection device through RCC communication to realize payment.
  • the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used
  • the provided embodiment can quickly complete mobile payment, greatly reducing the payment time and improving the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, the payment code can be generated through the security chip in the RCC module Therefore, mobile payment for RCC communication can be realized even when the mobile terminal is off.
  • this specification also provides an embodiment of the mobile payment device.
  • the device embodiments may be implemented by software, or by hardware or a combination of hardware and software.
  • software implementation as an example, as a logical device, it is formed by reading the corresponding computer service program instructions in the non-volatile memory into the memory through the processor of the device where it is located and running.
  • FIG. 5 it is a hardware structure diagram of the device in which the mobile payment device is located.
  • the implementation In the example, the device where the device is located usually depends on the actual function of the mobile payment, and may also include other hardware, which will not be repeated here.
  • FIG. 6 is a block diagram of a mobile payment device according to an embodiment of the present specification.
  • the device corresponds to the embodiment shown in FIG. 2.
  • the device is applied to a mobile terminal.
  • the restricted communication module includes a Bluetooth communication module, a 2.4G communication module, an alternating magnetic field module and a micro control unit.
  • the device includes:
  • An identification unit 410 the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field based on the alternating magnetic field module;
  • the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • Transfer unit 430 the micro control unit transfers the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal, so that the payment The application generates a payment code based on the device information;
  • a receiving unit 440 the micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module;
  • the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code through the anti-scanning code payment link Payment transaction.
  • the device information includes the location of the payment collection device and / or the collection device number.
  • the location includes the city.
  • the payment code includes a public transportation ride code.
  • the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.
  • this specification also provides an embodiment of the mobile payment device.
  • the device embodiments may be implemented by software, or by hardware or a combination of hardware and software.
  • software implementation as an example, as a logical device, it is formed by the processor of the device where it reads the corresponding computer service program instructions in the non-volatile memory into the memory to run. From the hardware level, as shown in FIG. 7, it is a hardware structure diagram of the device where the mobile payment device is located.
  • the device where the device is located usually depends on the actual function of the mobile payment, and may also include other hardware, which will not be repeated here.
  • FIG. 8 is a block diagram of a mobile payment device according to an embodiment of the present specification.
  • the device corresponds to the embodiment shown in FIG. 4.
  • the device is applied to a mobile terminal, and the mobile terminal integrates a limited-domain communication module.
  • the restricted communication module includes a 2.4G communication module, an alternating magnetic field module, a payment code generation module and a micro control unit.
  • the security chip in the micro control unit stores the payment code generation algorithm and the code factor provided by the payment application.
  • the device includes:
  • An identification unit 510 the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field based on the alternating magnetic field module;
  • the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • a receiving unit 530 the micro control unit receives the transaction timestamp sent by the payment collection device based on the 2.4G communication link;
  • the micro control unit generates a payment code based on the device information, code factor and transaction timestamp based on the payment code generation algorithm in the security chip;
  • the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code correspondence through the anti-scanning code payment link Payment transaction.
  • the code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link.
  • the device information includes the location of the payment collection device and / or the collection device number.
  • the location includes the city.
  • the payment code includes a public transportation ride code.
  • the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.
  • the system, device, module or unit explained in the above embodiments may be specifically implemented by a computer chip or entity, or implemented by a product with a certain function.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or any combination of these devices.
  • the relevant parts can be referred to the description of the method embodiments.
  • the device embodiments described above are only schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located One place, or can be distributed to multiple network elements. Some or all of the modules can be selected according to actual needs to achieve the objectives of the solution in this specification. Those of ordinary skill in the art can understand and implement without paying creative labor.
  • FIG. 6 describes the internal functional modules and structural schematics of the mobile payment device, and its actual execution subject may be an electronic device, including:
  • Memory for storing processor executable instructions
  • the processor is configured to:
  • the micro control unit Based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field;
  • the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • the micro control unit transfers the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal, so that the payment application Device information generates payment code;
  • the micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module;
  • the micro control unit sends the payment code to the payment collection device through the 2.4G communication link, so that the payment collection device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link.
  • the device information includes the location of the payment collection device and / or the collection device number.
  • the location includes the city.
  • the payment code includes a public transportation ride code.
  • the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.
  • FIG. 8 describes the internal functional modules and structural schematics of the mobile payment device, and its actual execution subject may be an electronic device, including:
  • Memory for storing processor executable instructions
  • the processor is configured to:
  • the micro control unit Based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field;
  • the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameters, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device;
  • the micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link;
  • the micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip;
  • the micro control unit sends the payment code to the payment collection device through the 2.4G communication link, so that the payment collection device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link.
  • the code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link.
  • the device information includes the location of the payment collection device and / or the collection device number.
  • the location includes the city.
  • the payment code includes a public transportation ride code.
  • the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.
  • the processor may be a central processing unit (English: Central Processing Unit, abbreviated as: CPU), or other general-purpose processors, digital signal processors (English: Digital Signal Processor) , Referred to as DSP), application specific integrated circuit (English: Application Specific Integrated Circuit, referred to as ASIC), etc.
  • the general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc.
  • the aforementioned memory may be a read-only memory (English: read-only memory, abbreviation: ROM), a random access memory (English : Random access memory (RAM for short), flash memory, hard disk or solid state drive.
  • the steps of the method disclosed in conjunction with the embodiments of the present invention may be directly embodied and executed by a hardware processor, or may be executed and completed by a combination of hardware and software modules in the processor.

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Abstract

一种移动支付方法及装置和电子设备，所述方法包括：微控制单元（611）基于交变磁场模块（613）识别支持限域通信的收款设备（70）通过交变磁场所传递的该收款设备（70）的设备信息和2.4G通信链路参数；所述微控制单元（611）基于所述2.4G通信链路参数设置2.4G通信模块（612），以使所述2.4G通信模块（612）建立与所述收款设备（70）之间的2.4G通信链路；所述微控制单元（611）基于所述2.4G通信链路接收所述收款设备（70）发送的交易时间戳；所述微控制单元（611）基于安全芯片（614）内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；所述微控制单元（611）通过所述2.4G通信链路将所述付款码发送给所述收款设备（70），以使所述收款设备（70）通过反扫码支付链路完成所述付款码对应的支付交易。

Description

移动支付方法及装置和电子设备 技术领域
本说明书实施例涉及支付技术领域，尤其涉及一种移动支付方法及装置和电子设备。
背景技术
在移动支付中，应用最广泛的是扫码支付；用户通过扫描商家收款码实现移动支付。然而，扫码支付方式存在效率低的问题，即用户需要拿出手机，打开支付应用，开启扫码功能，对准收款二维码进行扫描等多个步骤；耗时较长，不利用一些瞬时或者短时支付场景的要求。
需要提供一种适用于瞬时或者短时支付需求的移动支付方案。
发明内容
本说明书实施例提供的一种移动支付方法及装置和电子设备：
根据本说明书实施例的第一方面，提供一种移动支付系统，所述系统包括移动终端和收款设备；其中，所述移动终端具有限域通信模块，所述限域通信模块具体包括2.4G通信模块、交变磁场模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及码因子；
所述交变磁场模块用于识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
所述2.4G通信模块用于与所述收款设备建立2.4G通信链路；
所述微控制单元用于通过所述2.4G通信链路接收所述收款设备发送的交易时间戳；并基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
所述微控制单元还用于通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
根据本说明书实施例的第二方面，提供一种移动支付方法，所述方法应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交 变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述方法包括：
所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
根据本说明书实施例的第三方面，提供一种移动支付装置，所述装置应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述装置包括：
识别单元，所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
建立单元，所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
接收单元，所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
生成单元，所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
发送单元，所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
根据本说明书实施例的第四方面，提供一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为上述任一项所述的移动支付方法。
本说明书实施例，提供了一种移动支付方案，移动设备可以基于RCC模块与支持RCC的收款设备实现RCC通信，所述移动设备最终可以将付款方通过RCC通信的方式传输给收款设备，实现付款。一方面，由于RCC通信效率较高，可以缩短每笔支付的响应时间；另一方面，用户只需要将移动终端贴近收款设备即可，无需向扫码支付那样进行很多操作；所以采用本说明书提供的实施例可以快速完成移动支付，大大降低了支付时长，提升了支付效率；再一方面，由于RCC模块运行不受移动终端影响，只要移动终端供电就可以通过RCC模块中安全芯片生成付款码，因此即使在移动终端熄屏状态下依然可以实现RCC通信的移动支付。
附图说明
图1是本说明书一实施例提供的移动支付系统的架构示意图；
图2是本说明书一实施例提供的移动支付方法的流程图；
图3是本说明书一实施例提供的移动支付系统的架构示意图；
图4是本说明书一实施例提供的移动支付方法的流程图；
图5是本说明书一实施例提供的移动支付装置的硬件结构图；
图6是本说明书一实施例提供的移动支付装置的模块示意图；
图7是本说明书一实施例提供的移动支付装置的硬件结构图；
图8是本说明书一实施例提供的移动支付装置的模块示意图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书的一些方面相一致的装置和方法的例子。
在本说明书使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书。在本说明书和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该” 也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书可能采用术语第一、第二、第三等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书范围的情况下，第一信息也可以被称为第二信息，类似地，第二信息也可以被称为第一信息。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
本说明书中所述的瞬时或者短时是相对于整个支付流程所需时长而言的，通常可以将时长小于阈值的称为瞬时或者短时，例如将支付时长在5秒内的支付称之为瞬时支付或者短时支付。
以下以移动支付应用在公共交通工具为例举例说明瞬时或者短时支付场景。在搭乘公交车时，乘客需要支付公交乘坐费，然而由于搭乘的乘客数量较多，并且公交车司机需要专注开车，扫码支付方式并不适用。为此，相关技术中推出了NFC(Near Field Communication,近场通信)支付或者反扫码支付技术。
所述反扫码支付技术与扫码支付相反，扫码支付是由收款方提供二维码，由付款方扫描；而反扫码支付是由付款方出示二维码，由收款方扫描。其中，反扫码支付一般需要收款方配备一个扫码终端。使用时，付款方可以将移动终端上显示的付款二维码靠近扫码终端，供扫码终端自动扫码；支付金额同样由扫码终端设置。
如图1所示为本说明书提供的一种移动支付系统的架构示意图，所述系统可以包括移动终端10和收款设备20；其中，所述移动终端10具有限域通信(Range Controlled Communication，RCC)模块11，所述RCC模块11具体可以包括蓝牙通信(Bluetooth Low Energy，BLE)模块111、2.4G通信模块112、交变磁场模块113和微控制单元(Microcontroller Unit，MCU)114；
所述交变磁场模块113用于识别支持限域通信的收款设备20通过交变磁场所传递的该收款设备20的设备信息和2.4G通信链路参数；
所述2.4G通信模块112用于与所述收款设备20建立2.4G通信链路；
所述蓝牙通信模块111用于与所述移动终端10建立蓝牙通信链路；
所述微控制单元114用于将所述设备信息20基于所述蓝牙通信链路传递给所述移动终端10上安装的支付应用；并将所述支付应用根据所述设备信息生成的付款码通过 所述2.4G通信链路发送给所述收款设备20，以使所述收款设备20通过反扫码支付链路完成所述付款码对应的支付交易。
如图1所示，系统还可以包括支付运营服务器30，用于接收并处理收款设备20在反扫码付款码后发起的收款交易请求。具体地，所述收款设备20与支付运营服务器30之间可以建立有反扫码支付链路，用于执行收款设备20的收款交易请求。
其中，所述移动终端10可以包括智能手机、智能手表、智能手环等移动设备。
其中，在不同场景下所述收款设备20的名称可能存在差异，例如，在购物场所，所收款设备20可以是指POS(Pointofsales)机；在公交车上，所述收款设备20可以是指智能公交刷卡机；在地铁场景下，所述收款设备20可以是地铁闸机(也称翼闸)；总之，不管什么场景，只要是用于收款的机器、装置等均可以称为收款设备。
其中，所述限域通信是一种采用2.4G(有的也称2.45G)结合交变磁场实现数据通信的技术。
所述RCC与前述NFC不同之处至少可以包括：
1、通信频段不同。NFC的通信频段为13.56MHz；而RCC的频段为2.4G。所述2.4G是一种统称，其通信频段一般处于2.400GHz-2.4835GHz之间，有的还包括2.45GHZ。
2、通信距离不同。NFC的通信距离通常在10厘米以内；而RCC可以实现近距离10厘米以内、中距离50厘米以内、远距离10米左右等多个通信距离区间的控制。
3、通信带宽不同。NFC通信带宽为106K-848K之间；而RCC在1M-8M之间，是NFC的10倍；因此，RCC的响应时间远远小于NFC。
值得一提的是，RCC可以应用在手机SIM(Subscriber Identification Module)卡上，制成RCC-SIM卡，移动终端插入RCC-SIM卡后就可以具备RCC通信能力。类似的，也可以应用在SD卡(Secure Digital Memory Card，安全数字存储卡)，制成RCC-SD卡，移动终端插入RCC-SD卡后就可以具备RCC通信能力。
在一种实现方式中：前述限域通信模块可以是指RCC-SUM卡，即移动终端插有RCC-SUM卡，这样移动终端就可以具备RCC通信能力。
在另一种实现方式中：前述限域通信模块可以是指单独具有RCC功能的硬件模块，该硬件模块可以集成在移动终端的主板上，以使移动终端可以具备RCC通信能力。
类似的，收款设备想要具有RCC能力也需要具备RCC模块；当然由于收款设备 不需要具备移动终端所具备的所有通信能力，因此可以不具有蓝牙模块。
综上，移动设备可以基于RCC模块与支持RCC的收款设备实现RCC通信，所述移动设备最终可以将付款方通过RCC通信的方式传输给收款设备，实现付款。一方面，由于RCC通信效率较高，可以缩短每笔支付的响应时间；另一方面，用户只需要将移动终端贴近收款设备即可，无需向扫码支付那样进行很多操作；所以采用本说明书提供的实施例可以快速完成移动支付，大大降低了支付时长，提升了支付效率。
以下请参考图2所示的本说明书提供的一种移动支付方法的流程示意图，所述方法应用于移动终端，所述移动终端集成限域通信模块，所述限域通信模块包含蓝牙通信模块、2.4G通信模块、交变磁场模块和微控制单元，所述方法包括：
步骤210：所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数。
步骤220：所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
步骤230：所述微控制单元基于所述蓝牙通信模块与所述移动终端之间建立的蓝牙通信链路将所述设备信息传递给所述移动终端上安装的支付应用，以使所述支付应用根据所述设备信息生成付款码；
步骤240：所述微控制单元基于所述蓝牙通信模块接收所述支付应用通过所述蓝牙通信链路返回的付款码；
步骤250：所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
如前所述，限域通信可以是指一种采用2.4G(有的也称2.45G)结合交变磁场实现数据通信的技术。
以下结合一个完整的移动支付交易过程加以说明。
在用户需要进行移动支付时，可以将持有的移动终端(该移动终端集成RCC模块)靠近一个支持RCC交易的收款设备。其中，所述收款设备持续通过交变磁场发送自身的设备信息和2.4G通信链路参数。所述设备信息可以包括收款设备编号(通常该编号具有唯一性，一个编号对应唯一的一个设备)和/或收款设备所在的位置，所述位置可以为当前城市，再具体地可以定位到经纬度。
当移动终端距离收款设备足够近时，移动终端上RCC模块的MCU就可以基于交变磁场模块识别所述收款设备发送的设备信息和2.4G通信链路参数。
此时一方面的，MCU可以按照这个2.4G通信链路参数设置2.4G通信模块；由于这个2.4G通信链路参数是收款设备约定的建立2.4G通信链路的参数，因此当2.4G通信模块同样设置了2.4G通信链路参数后，就可以建立起与收款设备之间的2.4G通信链路。
另一方面的，MCU可以基于所述蓝牙通信模块与所述移动终端之间建立蓝牙通信链路，并将所述设备信息传递给所述移动终端上安装的支付应用，以使所述支付应用根据所述设备信息生成付款码；以及所述MCU可以基于所述蓝牙通信模块接收所述支付应用通过所述蓝牙通信链路返回的付款码。其中，所述支付应用根据所述设备信息生成付款码，具体可以包括：
基于付款码生成算法，根据设备信息、码因子和交易时间戳，生成付款码。所述交易时间戳通常可以是指生成付款码时的当前时间戳，由支付应用提供。
在MCU接收到付款码后，就可以基于之前建立并保持的2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
所述反扫码支付链路如图1所示，是收款设备与支付运营服务器之间建立的链路，用于执行收款设备的收款交易请求。收款设备在接收到付款码后，可以扫描付款码获取付款方账户信息，在添加待收款的金额等信息后组装成收款请求，并将该收款请求基于反扫码支付链路发送给支付运营服务器，由支付运营服务器根据收款请求中的消息完成交易，例如确定付款方账户、收款方账户以及收款金额的情况下，从付款方账户中扣取所述收款金额的资金，并将扣取的资金注入收款方账户。
以下例举适用本说明书移动支付方案的应用场景。
可以应用在公共交通的场景：
所述付款方可以包括公共交通乘坐码。具体地：乘公交车时，公交乘车码；乘地铁时，地铁乘车码；乘轻轨时，轻轨乘车码；乘高铁、动车等火车时的乘车码。
还可以应用在日常购物的场景：
例如商店购物的付款，无人售卖机的付款(无人售票机、抓娃娃机、食品饮料机、 自助拍照机等)。
请注意上述应用场景仅是例举的几个示例，并非限定了只能在上述应用场景实施；应该理解的是所有移动支付的应用场景均可以实施本说明书提供的移动支付方案。
本说明书提供的移动支付方案，移动设备可以基于RCC模块与支持RCC的收款设备实现RCC通信，所述移动设备最终可以将付款方通过RCC通信的方式传输给收款设备，实现付款。一方面，由于RCC通信效率较高，可以缩短每笔支付的响应时间；另一方面，用户只需要将移动终端贴近收款设备即可，无需向扫码支付那样进行很多操作；所以采用本说明书提供的实施例可以快速完成移动支付，大大降低了支付时长，提升了支付效率。
上述实施例实现过程中由于需要支付应用介入生成付款码，因此在支付过程中移动终端内的支付应用需要始终开启。一般情况下，移动终端的操作系统内可以设置支付应用权限，例如保持支付应用在熄屏状态下依然在后台运行，或者支付应用自启动等；如此用户可以在熄屏状态下实现RCC通信的移动支付。然而，在实际应用中，用户可能并没有设置支付应用权限；或者某些安全软件会限制支付应用自启动、自动关闭后台运行的支付应用等都会导致移动终端熄屏状态下无法进行移动支付。为此，本说明书还提供了另一种移动支付方案，以解决移动终端熄屏状态下顺利进行移动支付。
如图3所示为本说明书提供的一种移动支付系统的架构示意图，所述系统包括移动终端60和收款设备70；其中，所述移动终端60具有限域通信模块61，所述限域通信模块61具体包括2.4G通信模块612、交变磁场模块613和微控制单元611，所述微控制单元611内的安全芯片(Secure Element，SE)614存储有付款码生成算法以及支付应用提供的码因子；
所述交变磁场模块613用于识别支持限域通信的收款设备70通过交变磁场所传递的该收款设备70的设备信息和2.4G通信链路参数；
所述2.4G通信模块612用于与所述收款设备70建立2.4G通信链路；
所述微控制单元611用于通过所述2.4G通信链路接收所述收款设备70发送的交易时间戳；并基于安全芯片614内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
所述微控制单元611还用于通过所述2.4G通信链路将所述付款码发送给所述收款设备70，以使所述收款设备70通过反扫码支付链路完成所述付款码对应的支付交易。
如图3所示，系统还可以包括支付运营服务器80，用于接收并处理收款设备80在反扫码付款码后发起的收款交易请求。具体地，所述收款设备70与支付运营服务器80之间可以建立有反扫码支付链路，用于执行收款设备80的收款交易请求。
其中，所述移动终端60可以包括智能手机、智能手表、智能手环等移动设备。
其中，在不同场景下所述收款设备70的名称可能存在差异，例如，在购物场所，所收款设备70可以是指POS机；在公交车上，所述收款设备70可以是指智能公交刷卡机；在地铁场景下，所述收款设备70可以是地铁闸机(也称翼闸)；总之，不管什么场景，只要是用于收款的机器、装置等均可以称为收款设备。
本实施例中RCC技术与前述实施例相同，此不不再进行赘述。
本实施例中移动设备可以基于RCC模块与支持RCC的收款设备实现RCC通信，所述移动设备最终可以将付款方通过RCC通信的方式传输给收款设备，实现付款。一方面，由于RCC通信效率较高，可以缩短每笔支付的响应时间；另一方面，用户只需要将移动终端贴近收款设备即可，无需向扫码支付那样进行很多操作；所以采用本说明书提供的实施例可以快速完成移动支付，大大降低了支付时长，提升了支付效率；再一方面，由于RCC模块运行不受移动终端影响，只要移动终端供电就可以通过RCC模块中安全芯片生成付款码，因此即使在移动终端熄屏状态下依然可以实现RCC通信的移动支付。
以下请参考图4所示的本说明书提供的一种移动支付方法的流程示意图，所述方法应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述方法包括：
步骤310：所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
步骤320：所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
步骤330：所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
步骤340：所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
步骤350：所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
如前所述，限域通信可以是指一种采用2.4G(有的也称2.45G)结合交变磁场实现数据通信的技术。
以下同样结合一个完整的移动支付交易过程加以说明。
在用户需要进行移动支付时，可以将持有的移动终端(该移动终端集成RCC模块)靠近一个支持RCC交易的收款设备。其中，所述收款设备持续通过交变磁场发送自身的设备信息和2.4G通信链路参数。所述设备信息可以包括收款设备编号(通常该编号具有唯一性，一个编号对应唯一的一个设备)和/或收款设备所在的位置，所述位置可以为当前城市，再具体地可以定位到经纬度。
当移动终端距离收款设备足够近时，移动终端上RCC模块的MCU就可以基于交变磁场模块识别所述收款设备发送的设备信息和2.4G通信链路参数。
此时，MCU可以按照这个2.4G通信链路参数设置2.4G通信模块；由于这个2.4G通信链路参数是收款设备约定的建立2.4G通信链路的参数，因此当2.4G通信模块同样设置了2.4G通信链路参数后，就可以建立起与收款设备之间的2.4G通信链路。
在建立了2.4G通信链路后，收款设备可以基于所述2.4G通信链路发送交易时间戳；所述交易时间戳可以是指收款设备发送时的时间戳。请注意与图2实施例不同的是，本实施例的交易时间戳由收款设备提供。原因是由于本实施例中支付应用不参与付款码生成，而交易时间戳却又是必不可少的，因此转由收款设备提供交易时间戳。
然后，MCU在基于2.4G通信链路接收到交易时间戳之后，可以基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码。
需要说明的是，码因子的时效分为永久有效和长久有效。不管是哪一种，都需要移动终端中安装的支付应用提供，具体地：
所述码因子通过蓝牙通信链路由移动终端中安装的支付应用传入。为此，RCC模块中还需要设置蓝牙通信模块(图3中未示出)；并且该蓝牙通信模块可以与移动终端建立蓝牙通信链路，并基于该蓝牙通信链路接收支付应用传递的码因子。
其中，对于长久有效的码因子，终会有失效的情况，对于这类码因子；每当支付应用开启后，支付应用都可以通过蓝牙通信链路将最新的码因子传递给RCC模块中的 SE，以更新SE中存储的码因子。
在SE生成付款码之后，MCU就可以基于之前建立并保持的2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
所述反扫码支付链路如图3所示，是收款设备与支付运营服务器之间建立的链路，用于执行收款设备的收款交易请求。收款设备在接收到付款码后，可以扫描付款码获取付款方账户信息，在添加待收款的金额等信息后组装成收款请求，并将该收款请求基于反扫码支付链路发送给支付运营服务器，由支付运营服务器根据收款请求中的消息完成交易，例如确定付款方账户、收款方账户以及收款金额的情况下，从付款方账户中扣取所述收款金额的资金，并将扣取的资金注入收款方账户。
以下例举适用本说明书移动支付方案的应用场景。
可以应用在公共交通的场景：
所述付款方可以包括公共交通乘坐码。具体地：乘公交车时，公交乘车码；乘地铁时，地铁乘车码；乘轻轨时，轻轨乘车码；乘高铁、动车等火车时的乘车码。
还可以应用在日常购物的场景：
例如商店购物的付款，无人售卖机的付款(无人售票机、抓娃娃机、食品饮料机、自助拍照机等)。
请注意上述应用场景仅是例举的几个示例，并非限定了只能在上述应用场景实施；应该理解的是所有移动支付的应用场景均可以实施本说明书提供的移动支付方案。
本实施例中移动设备可以基于RCC模块与支持RCC的收款设备实现RCC通信，所述移动设备最终可以将付款方通过RCC通信的方式传输给收款设备，实现付款。一方面，由于RCC通信效率较高，可以缩短每笔支付的响应时间；另一方面，用户只需要将移动终端贴近收款设备即可，无需向扫码支付那样进行很多操作；所以采用本说明书提供的实施例可以快速完成移动支付，大大降低了支付时长，提升了支付效率；再一方面，由于RCC模块运行不受移动终端影响，只要移动终端供电就可以通过RCC模块中安全芯片生成付款码，因此即使在移动终端熄屏状态下依然可以实现RCC通信的移动支付。
与前述图2所示移动支付方法实施例相对应，本说明书还提供了移动支付装置的 实施例。所述装置实施例可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为一个逻辑意义上的装置，是通过其所在设备的处理器将非易失性存储器中对应的计算机业务程序指令读取到内存中运行形成的。从硬件层面而言，如图5所示，为本说明书移动支付装置所在设备的一种硬件结构图，除了图5所示的处理器、网络接口、内存以及非易失性存储器之外，实施例中装置所在的设备通常根据移动支付实际功能，还可以包括其他硬件，对此不再赘述。
请参见图6，为本说明书一实施例提供的移动支付装置的模块图，所述装置对应了图2所示实施例，所述装置应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含蓝牙通信模块、2.4G通信模块、交变磁场模块和微控制单元，所述装置包括：
识别单元410，所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
建立单元420，所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
传递单元430，所述微控制单元基于所述蓝牙通信模块与所述移动终端之间建立的蓝牙通信链路将所述设备信息传递给所述移动终端上安装的支付应用，以使所述支付应用根据所述设备信息生成付款码；
接收单元440，所述微控制单元基于所述蓝牙通信模块接收所述支付应用通过所述蓝牙通信链路返回的付款码；
发送单元450，所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
可选的，所述设备信息包括所述收款设备的位置和/或收款设备编号。
可选的，所述位置包括所在城市。
可选的，所述付款码包括公共交通乘坐码。
可选的，所述公共交通包括公交车、地铁、轻轨、高铁中的至少一种。
与前述图4所示移动支付方法实施例相对应，本说明书还提供了移动支付装置的实施例。所述装置实施例可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为一个逻辑意义上的装置，是通过其所在设备的处理器将非易 失性存储器中对应的计算机业务程序指令读取到内存中运行形成的。从硬件层面而言，如图7所示，为本说明书移动支付装置所在设备的一种硬件结构图，除了图7所示的处理器、网络接口、内存以及非易失性存储器之外，实施例中装置所在的设备通常根据移动支付实际功能，还可以包括其他硬件，对此不再赘述。
请参见图8，为本说明书一实施例提供的移动支付装置的模块图，所述装置对应了图4所示实施例，所述装置应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述装置包括：
识别单元510，所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
建立单元520，所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
接收单元530，所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
生成单元540，所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
发送单元550，所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
可选的，所述码因子通过蓝牙通信链路由移动终端中安装的支付应用传入。
可选的，所述设备信息包括所述收款设备的位置和/或收款设备编号。
可选的，所述位置包括所在城市。
可选的，所述付款码包括公共交通乘坐码。
可选的，所述公共交通包括公交车、地铁、轻轨、高铁中的至少一种。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或 者这些设备中的任意几种设备的组合。
上述装置中各个单元的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。
对于装置实施例而言，由于其基本对应于方法实施例，所以相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
以上图6描述了移动支付装置的内部功能模块和结构示意，其实质上的执行主体可以为一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
所述微控制单元基于所述蓝牙通信模块与所述移动终端之间建立的蓝牙通信链路将所述设备信息传递给所述移动终端上安装的支付应用，以使所述支付应用根据所述设备信息生成付款码；
所述微控制单元基于所述蓝牙通信模块接收所述支付应用通过所述蓝牙通信链路返回的付款码；
所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
可选的，所述设备信息包括所述收款设备的位置和/或收款设备编号。
可选的，所述位置包括所在城市。
可选的，所述付款码包括公共交通乘坐码。
可选的，所述公共交通包括公交车、地铁、轻轨、高铁中的至少一种。
以上图8描述了移动支付装置的内部功能模块和结构示意，其实质上的执行主体可以为一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
可选的，所述码因子通过蓝牙通信链路由移动终端中安装的支付应用传入。
可选的，所述设备信息包括所述收款设备的位置和/或收款设备编号。
可选的，所述位置包括所在城市。
可选的，所述付款码包括公共交通乘坐码。
可选的，所述公共交通包括公交车、地铁、轻轨、高铁中的至少一种。
在上述电子设备的实施例中，应理解，该处理器可以是中央处理单元(英文：Central Processing Unit，简称：CPU)，还可以是其他通用处理器、数字信号处理器(英文：Digital Signal Processor，简称：DSP)、专用集成电路(英文：Application Specific Integrated Circuit，简称：ASIC)等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等，而前述的存储器可以是只读存储器(英文：read-only memory，缩写：ROM)、随机存取存储器(英文：random access memory，简称：RAM)、快闪存储器、硬盘或 者固态硬盘。结合本发明实施例所公开的方法的步骤可以直接体现为硬件处理器执行完成，或者用处理器中的硬件及软件模块组合执行完成。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于电子设备实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
本领域技术人员在考虑说明书及实践这里公开的申请后，将容易想到本说明书的其它实施方案。本说明书旨在涵盖本说明书的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本说明书的一般性原理并包括本说明书未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本说明书的真正范围和精神由下面的权利要求指出。
应当理解的是，本说明书并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本说明书的范围仅由所附的权利要求来限制。

Claims (14)

  1. 一种移动支付系统，所述系统包括移动终端和收款设备；其中，所述移动终端具有限域通信模块，所述限域通信模块具体包括2.4G通信模块、交变磁场模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及码因子；
    所述交变磁场模块用于识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
    所述2.4G通信模块用于与所述收款设备建立2.4G通信链路；
    所述微控制单元用于通过所述2.4G通信链路接收所述收款设备发送的交易时间戳；并基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
    所述微控制单元还用于通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
  2. 一种移动支付方法，所述方法应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述方法包括：
    所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
    所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
    所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
    所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
    所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
  3. 根据权利要求2所述的方法，所述码因子通过蓝牙通信链路由移动终端中安装的支付应用传入。
  4. 根据权利要求2所述的方法，所述设备信息包括所述收款设备的位置和/或收款设备编号。
  5. 根据权利要求4所述的方法，所述位置包括所在城市。
  6. 根据权利要求2所述的方法，所述付款码包括公共交通乘坐码。
  7. 根据权利要求6所述的方法，所述公共交通包括公交车、地铁、轻轨、高铁中 的至少一种。
  8. 一种移动支付装置，所述装置应用于移动终端，所述移动终端集成有限域通信模块，所述限域通信模块包含2.4G通信模块、交变磁场模块、付款码生成模块和微控制单元，所述微控制单元内的安全芯片存储有付款码生成算法以及支付应用提供的码因子，所述装置包括：
    识别单元，所述微控制单元基于所述交变磁场模块识别支持限域通信的收款设备通过交变磁场所传递的该收款设备的设备信息和2.4G通信链路参数；
    建立单元，所述微控制单元基于所述2.4G通信链路参数设置所述2.4G通信模块，以使所述2.4G通信模块建立与所述收款设备之间的2.4G通信链路；
    接收单元，所述微控制单元基于所述2.4G通信链路接收所述收款设备发送的交易时间戳；
    生成单元，所述微控制单元基于安全芯片内的付款码生成算法根据设备信息、码因子和交易时间戳生成付款码；
    发送单元，所述微控制单元通过所述2.4G通信链路将所述付款码发送给所述收款设备，以使所述收款设备通过反扫码支付链路完成所述付款码对应的支付交易。
  9. 根据权利要求8所述的装置，所述码因子通过蓝牙通信链路由移动终端中安装的支付应用传入。
  10. 根据权利要求8所述的装置，所述设备信息包括所述收款设备的位置和/或收款设备编号。
  11. 根据权利要求10所述的装置，所述位置包括所在城市。
  12. 根据权利要求8所述的装置，所述付款码包括公共交通乘坐码。
  13. 根据权利要求12所述的装置，所述公共交通包括公交车、地铁、轻轨、高铁中的至少一种。
  14. 一种电子设备，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为上述权利要求2-7中任一项所述的方法。
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