WO2021164500A1

WO2021164500A1 - Payment method, payment terminal, cloud subsystem, cloud server, and system

Info

Publication number: WO2021164500A1
Application number: PCT/CN2021/073617
Authority: WO
Inventors: 刘刚; 王钰; 蒋海俭; 林晋任; 陈珂; 才华; 章政
Original assignee: 中国银联股份有限公司
Priority date: 2020-02-18
Filing date: 2021-01-25
Publication date: 2021-08-26
Also published as: JP2023500136A; CN111325537B; JP7394990B2; TWI804813B; ZA202209124B; TW202133074A; CN111325537A

Abstract

Provided are a payment method, a payment terminal, a cloud subsystem, a cloud server, and a system, relating to the field of data processing, and comprising: if a non-contact module of user equipment is sensed, sending a non-contact payment request instruction to a second cloud subsystem by means of a first cloud subsystem (S401); performing non-contact payment application interaction by means of the first cloud subsystem and the second cloud subsystem to obtain payment elements (S402); transmitting payment element information to the user equipment by means of the non-contact module (S403); receiving a payment ciphertext transmitted by the user equipment by means of the non-contact module, and transmitting the payment ciphertext to the second cloud subsystem by means of the first cloud subsystem (S404), the payment ciphertext being generated according to the payment element information; and receiving payment result information transmitted by the second cloud subsystem by means of the first cloud subsystem (S405). The total cost of the system supporting the non-contact payment process can be reduced.

Description

Payment method, payment terminal, cloud subsystem, cloud server and system

Cross-references to related applications

This application claims the priority of the Chinese patent application 202010099412.0 entitled "Payment Method, Payment Terminal, Cloud Subsystem, Cloud Server and System" filed on February 18, 2020. The entire content of this application is incorporated herein by reference. middle.

Technical field

This application belongs to the field of data processing, and in particular relates to a payment method, payment terminal, cloud subsystem, cloud server and system.

Background technique

In recent years, with the development of electronic technology, contactless communication technology has been applied in more and more fields. For example, in the field of payment, contactless communication technology can be used to make payments. To use contactless technology for transactions, it is necessary to add a contactless communication function module in a payment terminal such as a POS machine (ie, a sales terminal). The addition of contactless communication function modules makes the structure of the payment terminal itself more complex, which will increase the cost of the payment terminal, and the number of payment terminals put into use is very large, thereby greatly increasing the overall cost of the system supporting the contactless payment process.

Summary of the invention

The embodiments of the present application provide a payment method, payment terminal, cloud subsystem, cloud server, and system, which can reduce the overall cost of the system supporting the contactless payment process.

In the first aspect, an embodiment of the present application provides a payment method, which is applied to a payment terminal, and the method includes:

If the contactless module of the user equipment is sensed, send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem;

Perform contactless payment application interaction through the first cloud subsystem and the second cloud subsystem to obtain payment elements;

Transmit the payment element information to the user equipment through the contactless module;

Receive the payment ciphertext transmitted by the user equipment through the contactless module, transmit the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and generate the payment ciphertext based on the payment element information;

Receive payment result information transmitted by the second cloud subsystem through the first cloud subsystem.

In the second aspect, an embodiment of the present application provides a payment method, which is applied to the second cloud subsystem, and the method includes:

In response to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, the contactless payment application interaction with the payment terminal through the first cloud subsystem is used to obtain payment element information;

Transmit the payment element information to the payment terminal through the first cloud subsystem;

Receive the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, and the payment ciphertext is generated according to the payment element information;

Receive the payment information obtained by the first cloud subsystem according to the payment ciphertext, and send the payment information to the settlement processing system;

Obtain the payment result information fed back by the settlement processing system, and transmit at least part of the payment result information to the payment terminal through the first cloud subsystem.

In the third aspect, an embodiment of the present application provides a payment method, which is applied to the first cloud subsystem, and the method includes:

Receiving the contactless payment request instruction sent by the payment terminal, and transmitting the contactless payment request instruction to the second cloud subsystem;

Perform contactless payment application interaction between the payment terminal and the second cloud subsystem, and transmit the payment elements sent by the second cloud subsystem to the payment terminal;

Receive the payment ciphertext sent by the payment terminal, transmit the payment ciphertext to the second cloud subsystem, and generate the payment ciphertext according to the payment element information;

According to the payment ciphertext, obtain payment information matching the payment ciphertext, and transmit the payment information to the second cloud subsystem;

The payment result information transmitted by the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal.

In a fourth aspect, an embodiment of the present application provides a payment terminal, including:

The contactless communication module is used to sense the contactless module of the user equipment, and transmit the payment element information obtained through the contactless payment application interaction to the user equipment through the contactless module, and receive the payment transmitted by the user equipment through the contactless module Ciphertext, the payment ciphertext is generated based on the payment element information;

The network communication module is used to send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem if the contactless communication module senses the contactless module of the user equipment, and, through the first cloud subsystem and the second cloud subsystem The terminal system performs contactless payment application interaction, and transmits the payment cipher text to the second cloud subsystem through the first cloud subsystem, and receives payment result information transmitted by the second cloud subsystem through the first cloud subsystem.

In a fifth aspect, an embodiment of the present application provides a cloud subsystem, including:

The network communication module is used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, to perform contactless payment application interaction with the payment terminal through the first cloud subsystem, and to pass the payment element information through the first cloud The terminal system transmits to the payment terminal, and receives the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext is generated according to the payment element information, and receives the payment information obtained by the first cloud subsystem according to the payment ciphertext , Sending the payment information to the settlement processing system, and obtaining the payment result information fed back by the settlement processing system, and transmitting at least part of the payment result information to the payment terminal through the first cloud subsystem;

The processing module is used to obtain payment element information through contactless payment application interaction.

In a sixth aspect, an embodiment of the present application provides a cloud subsystem, including:

The network communication module is used to receive the contactless payment request instruction sent by the payment terminal, transmit the contactless payment request instruction to the second cloud subsystem, and perform the contactless payment application interaction between the payment terminal and the second cloud subsystem, and The payment element sent by the second cloud subsystem is transmitted to the payment terminal, and the payment ciphertext sent by the payment terminal is received, the payment ciphertext is transmitted to the second cloud subsystem, the payment ciphertext is generated based on the payment element information, and the payment information Transmitting to the second cloud subsystem, and receiving the payment result information transmitted by the second cloud subsystem, and transmitting at least part of the payment result information to the payment terminal;

The processing module is used to obtain payment information matching the payment ciphertext according to the payment ciphertext.

In a seventh aspect, an embodiment of the present application provides a payment system, including a payment terminal, a first cloud subsystem, and a second cloud subsystem;

The payment terminal is used to execute the payment method in the technical solution of the first aspect;

The second cloud server is used to execute the payment method in the technical solution of the second aspect;

The first cloud server is used to execute the payment method in the technical solution of the above aspect.

In an eighth aspect, an embodiment of the present application provides a payment terminal, including a processor, a memory, and a computer program stored in the memory and capable of running on the processor. When the computer program is executed by the processor, the technical solution of the first aspect is implemented Payment method.

In a ninth aspect, an embodiment of the present application provides a cloud server, including a processor, a memory, and a computer program stored in the memory and capable of running on the processor. When the computer program is executed by the processor, the technical solution of the second aspect is implemented The payment method or implementation of the payment method in the third aspect of the technical solution.

In a tenth aspect, an embodiment of the present application provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the technical solution of the first aspect, the technical solution of the second aspect, or the second aspect is implemented. The payment method in the three aspects of the technical solution.

The embodiments of the application provide a payment method, payment terminal, cloud subsystem, cloud server, and system. The contactless payment application interaction of the user equipment is not carried out between the user equipment and the payment terminal, but through the payment terminal and the first cloud The terminal system is performed with the second cloud subsystem. The user equipment does not need to install a functional module that realizes the contactless payment application interaction between the user equipment and the payment terminal, and the user equipment only needs to include a functional module with a contactless communication function and a functional module with a network communication function. In the case that the user equipment has a contactless communication function, the structure of the payment terminal is simplified, and the cost of the payment terminal is reduced, thereby reducing the overall cost of the system supporting the contactless payment process.

Description of the drawings

The present application can be better understood from the following description of the specific implementation manners of the present application in conjunction with the accompanying drawings. Wherein, the same or similar reference signs indicate the same or similar features.

FIG. 1 is a schematic structural diagram of an example of a payment system provided by an embodiment of the application;

FIG. 2 is a flowchart of an embodiment of a payment method applied to a payment terminal provided by this application;

Fig. 3 is a flowchart of another embodiment of a payment method applied to a payment terminal provided by this application;

4 is a flowchart of another embodiment of the payment method applied to the payment terminal provided by this application;

FIG. 5 is a schematic diagram of an example of a slicing network between a payment terminal, a first cloud subsystem, and a second cloud subsystem provided by an embodiment of the application;

FIG. 6 is a flowchart of an embodiment of the payment method applied to the first cloud subsystem provided by this application;

FIG. 7 is a flowchart of another embodiment of the payment method applied to the first cloud subsystem provided by this application;

FIG. 8 is a flowchart of another embodiment of the payment method applied to the first cloud subsystem provided by this application;

FIG. 9 is a flowchart of an embodiment of the payment method applied to the second cloud subsystem provided by this application;

FIG. 10 is a flowchart of another embodiment of the payment method applied to the second cloud subsystem provided by this application;

FIG. 11 is a flowchart of an example of a payment method applied to a payment system according to an embodiment of the application;

FIG. 12 is a schematic structural diagram of an embodiment of a payment terminal provided by this application;

FIG. 13 is a schematic structural diagram of another embodiment of a payment terminal provided by this application;

FIG. 14 is a schematic structural diagram of an embodiment of the first cloud subsystem provided by this application;

15 is a schematic structural diagram of an embodiment of a second cloud subsystem provided by this application;

FIG. 16 is a schematic diagram of the hardware structure of an embodiment of the payment terminal provided by this application.

Detailed ways

The features and exemplary embodiments of various aspects of the present application will be described in detail below. In the following detailed description, many specific details are proposed in order to provide a comprehensive understanding of the application. However, it is obvious to those skilled in the art that this application can be implemented without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application. This application is by no means limited to any specific configurations and algorithms proposed below, but covers any modification, replacement and improvement of elements, components and algorithms without departing from the spirit of this application. In the drawings and the following description, well-known structures and technologies are not shown in order to avoid unnecessary obscurity of the application.

The embodiments of the present application provide a payment method, payment terminal, cloud subsystem, cloud server, and system, which can be applied in a contactless payment scenario. Among them, contactless payment is a means of making payments using contactless communication technology. For example, the contactless communication technology may specifically include, but is not limited to, Near Field Communication (NFC) technology.

The payment method in the embodiment of the present application involves a payment terminal, a first cloud subsystem, and a second cloud subsystem. For example, FIG. 1 is a schematic structural diagram of an example of a payment system provided by an embodiment of the application. As shown in FIG. 1, the payment system includes a payment terminal 100, a first cloud subsystem 200 and a second cloud subsystem 300. Among them, the payment terminal 100 communicates with the user equipment, the payment terminal 100 communicates with the first cloud subsystem 200, and the first cloud subsystem 200 communicates with the second cloud subsystem 300. That is, the payment terminal 100 communicates with the second cloud subsystem 300 through the first cloud subsystem 200. The payment terminal 100 retains the basic contactless communication function and network communication function. Regarding the payment application interaction function of the user equipment, it is no longer executed by the payment terminal 100, but by the second cloud subsystem 300. In some examples, the payment terminal 100 includes, but is not limited to, payment devices such as a POS machine. The POS machine may include an NFC module and a network communication module, and the card swiping module is no longer reserved. The first cloud subsystem 200 may include at least one cloud server and other supporting equipment, which is not limited herein. The first cloud subsystem 200 may specifically be a cloud subsystem of an acquiring institution. The second cloud subsystem 300 may include at least one cloud server and other supporting equipment, which is not limited herein. The second cloud subsystem 300 may be specifically a cloud subsystem of the server. The user equipment may specifically include, but is not limited to, smart cards, IC cards, devices with contactless communication functions, etc., for example, bank cards, device cards, mobile phones with NFC payment functions, bracelets and other devices, which are not limited here.

The embodiment of the present application provides a payment method, which can be applied to a payment terminal. Fig. 2 is a flowchart of an embodiment of a payment method applied to a payment terminal provided by this application. As shown in Figure 2, the payment method may include steps S401 to S405.

In step S401, if the contactless module of the user equipment is sensed, a contactless payment request instruction is sent to the second cloud subsystem through the first cloud subsystem.

In the payment scenario, if the user uses the user device to make a contactless payment, the user device needs to be close to the payment terminal. A contactless module is provided in the user equipment. A contactless communication module is provided in the payment terminal. When the user equipment is close to the payment terminal, the contactless communication module in the payment terminal can sense the contactless module in the user equipment, and the payment terminal triggers to send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem. The contactless payment request instruction is used to characterize the request for initiating contactless payment.

Wherein, the payment terminal sends the contactless payment request instruction to the second cloud subsystem through the first cloud subsystem, which means that the payment terminal sends the contactless payment request instruction to the first cloud subsystem, and the first cloud subsystem sends the contactless payment request instruction to the first cloud subsystem. The contactless payment request instruction is sent to the second cloud subsystem.

In step S402, the contactless payment application interaction is performed through the first cloud subsystem and the second cloud subsystem to obtain payment elements.

The payment terminal interacts with the second cloud subsystem for a contactless payment application, and the purpose of the contactless payment application interaction is to obtain payment elements required by the application in the payment terminal used for the contactless payment. In some examples, the payment element may specifically be an element required by the Processing Options Data Object List (PDOL), which is not limited herein.

The contactless payment application interaction is a process. In the user interaction process of the contactless payment, the payment terminal and the second cloud subsystem transmit multiple device interaction instructions and device interaction response instructions through the first cloud subsystem. The device interaction instruction and the device interaction response instruction can be implemented as various request messages, response messages, etc., which are not limited herein. The transmission of messages between the payment terminal and the first cloud subsystem, and the transmission of messages between the first cloud subsystem and the second cloud subsystem can be performed in a transparent transmission manner.

In step S403, the payment element information is transmitted to the user equipment through the contactless module.

The payment terminal transmits the payment element information to the user equipment through the contactless module, so that the user equipment can calculate a signature according to the payment element information, and the signature may specifically be a dynamic signature. The user equipment uses the signature to generate the payment ciphertext. In some examples, the payment ciphertext may specifically be Authorisation Request Cryptogram (ARQC), which is not limited here.

In step S404, the payment ciphertext transmitted by the user equipment through the contactless module is received, and the payment ciphertext is transmitted to the second cloud subsystem through the first cloud subsystem.

Among them, the payment ciphertext is generated according to the payment element information. The payment terminal transmits the payment ciphertext to the first cloud subsystem, and the first cloud subsystem transmits the payment ciphertext to the second cloud subsystem. The transmission of the payment ciphertext between the payment terminal and the first cloud subsystem, and the transmission of the payment ciphertext between the first cloud subsystem and the second cloud subsystem can be performed in a transparent transmission manner.

In step S405, the payment result information transmitted by the second cloud subsystem through the first cloud subsystem is received.

The second cloud subsystem can communicate with the settlement processing system, and the settlement processing system completes the processing of this payment and sends the payment result information to the second cloud subsystem. The first cloud subsystem receives the payment result information sent by the second cloud subsystem, and sends the payment result information to the payment terminal. The payment terminal can receive the payment result information. Among them, the payment result information is used to characterize the payment result. The payment result may include whether the payment is successful, the payment amount, etc., which are not limited here. The terminal receives the payment result information, which indicates the end of the payment process.

In the embodiment of the present application, the contactless payment application interaction of the user equipment is not performed between the user equipment and the payment terminal, but is performed through the payment terminal, the first cloud subsystem and the second cloud subsystem. The user equipment does not need to install a functional module that realizes the contactless payment application interaction between the user equipment and the payment terminal, and the user equipment only needs to include a functional module with a contactless communication function and a functional module with a network communication function. In the case that the user equipment has a contactless communication function, the structure of the payment terminal is simplified, and the cost of the payment terminal is reduced, thereby reducing the overall cost of the system supporting the contactless payment process.

Fig. 3 is a flowchart of another embodiment of a payment method applied to a payment terminal provided by this application. The difference between FIG. 3 and FIG. 2 is that step S402 in FIG. 2 can be specifically refined into step S4021 to step S4023 in FIG. 3.

In step S4021, the contactless payment environment is confirmed through the first cloud subsystem and the second cloud subsystem, and the identification of the payment application supported by the user equipment is transmitted to the second cloud subsystem through the first cloud subsystem.

The process of contactless payment application interaction in the foregoing embodiment may specifically include a process of confirming the contactless payment environment, a process of selecting a payment application, and a process of interacting with payment elements.

Among them, the contactless payment environment confirmation is the process in which the payment terminal realizes the contactless payment environment confirmation between the user equipment and the second cloud subsystem through the first cloud subsystem, and the user equipment and the second cloud subsystem complete the contactless payment environment confirmation , The payment application selection process will proceed.

Specifically, the payment terminal may receive the contactless payment environment confirmation request message transmitted by the second cloud subsystem through the first cloud subsystem, and transmit the contactless payment environment confirmation request message to the user equipment through the contactless module. That is, the second cloud subsystem transparently transmits the contactless payment environment confirmation request message to the first cloud subsystem, and the first cloud subsystem transparently transmits the contactless payment environment confirmation request message to the payment terminal, and the payment terminal makes the contactless payment The environment confirmation request message is transparently transmitted to the user equipment.

Wherein, the contactless payment environment confirmation request message is used to request confirmation of the contactless payment environment from the user equipment.

The user equipment receives the contactless payment environment confirmation request message, generates a contactless payment environment confirmation response message according to the contactless payment environment confirmation request message, and transmits the contactless payment environment confirmation response message to the payment terminal through the contactless module.

The payment terminal receives the contactless payment environment confirmation response message transmitted by the user equipment through the contactless module, and transmits the contactless payment environment confirmation response message to the second remote subsystem through the first cloud subsystem. That is, the user equipment transparently transmits the contactless payment environment confirmation response message to the payment terminal, and the payment terminal transparently transmits the contactless payment environment confirmation response message to the first cloud subsystem, and the first cloud subsystem confirms the contactless payment environment The response message is transparently transmitted to the second cloud subsystem.

The payment terminal receives the identification of the payment application supported by the user equipment transmitted from the user equipment through the contactless module, and transmits the identification of the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem. It should be noted that the identification of the payment application supported by the user equipment received by the payment terminal may be carried in the above-mentioned contactless payment environment confirmation response message, and may also be carried in other messages, which is not limited herein. In some examples, the identification of the payment application may specifically be an Application Identifier (AID), which is not limited herein.

In step S4022, payment application selection is performed through the first cloud subsystem and the second cloud subsystem.

Wherein, the payment application selection is a process in which the payment terminal implements the selection of the payment application between the user equipment and the second cloud subsystem through the first cloud subsystem. After the user equipment and the second cloud subsystem complete the payment application selection, the application message of the application required in this payment process can be obtained.

Specifically, the payment terminal receives the target payment application information transmitted by the second cloud subsystem through the first cloud subsystem, and transmits the target payment application information to the user equipment through the contactless module. That is, the second cloud subsystem transparently transmits the target payment application information to the first cloud subsystem, the first cloud subsystem transparently transmits the target payment application information to the payment terminal, and the payment terminal transparently transmits the target payment application information to the user device .

Wherein, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem. The target payment application information is specifically selected by the second cloud subsystem to transmit application information of which payment application or applications supported by the user equipment and/or application information of which payment application or applications are supported by the second cloud subsystem, which is not limited here.

For example, the target payment application information may specifically be application information in one or more payment applications supported by the user equipment. The target payment application information may specifically be application information in one or more payment applications supported by the second cloud subsystem. The target payment application information may also specifically include application information in one or more payment applications supported by the user equipment and application information in one or more payment applications supported by the second cloud subsystem.

In step S4023, payment element interaction is performed between the first cloud subsystem and the second cloud subsystem, and payment element information transmitted by the second cloud subsystem through the first cloud subsystem is received.

The payment element interaction is a process in which the payment terminal realizes the payment element interaction between the user equipment and the second cloud subsystem through the first cloud subsystem. After completing the payment element interaction between the user equipment and the second cloud subsystem, the payment element information required in this payment process can be obtained.

Specifically, the payment terminal receives the payment element request message transmitted by the user equipment through the contactless module, and transmits the payment element request message to the second cloud subsystem through the first cloud subsystem. That is, the user equipment transparently transmits the payment element request message to the payment terminal, the payment terminal transparently transmits the payment element request message to the first cloud subsystem, and the first cloud subsystem transparently transmits the payment element request message to the second cloud subsystem . Wherein, the payment element request message is used to request payment element information from the second cloud subsystem. In some examples, the payment element request message may be implemented as a PDOL request message.

The payment terminal receives the payment element response message transmitted by the second cloud subsystem through the first cloud subsystem, and transmits the payment element response message to the user equipment through the contactless module. That is, the second cloud subsystem transparently transmits the payment element response message to the first cloud subsystem, the first cloud subsystem transparently transmits the payment element response message to the payment terminal, and the payment terminal transparently transmits the payment element response message to the user device . Wherein, the payment element response message includes payment element information. The payment element response message is generated by the second cloud subsystem according to the payment element request message. In some examples, the payment element response message may be implemented as a Get Processing Options (GPO) command.

In some examples, the payment element response message may also carry an end identifier. The end identifier is used to characterize that the payment element response message is the last instruction sent by the second cloud subsystem to the first cloud subsystem during the interaction process of the contactless payment application. In other examples, while sending the payment element response message, the second cloud subsystem sends an end message. The end message is used to indicate that the payment element response message is the second cloud subsystem to the first The last instruction sent by the cloud subsystem.

FIG. 4 is a flowchart of another embodiment of the payment method applied to the payment terminal provided by this application. The difference between FIG. 4 and FIG. 2 is that step S402 in FIG. 2 can be specifically refined into step S4024 and step S4025 in FIG. 4.

In step S4024, an authentication response message transmitted by the first cloud subsystem is received.

The contactless payment request instruction in the above embodiment includes the terminal identification of the payment terminal. The terminal identification of the payment terminal is unique, that is, the terminal identification of different payment terminals is different. In some examples, the terminal identification of the payment terminal may be a unique corresponding code of the hardware structure of the payment terminal, which is not limited herein. After the first cloud subsystem receives the contactless payment request instruction sent by the payment terminal, it verifies the legitimacy of the terminal identification in the contactless payment request instruction, and generates an authentication response message according to whether the terminal identification is legal or not, and sends it . Among them, the authentication response message is used to characterize whether the terminal identification of the payment terminal is legal. The legitimacy here means that the first cloud subsystem and the second cloud subsystem support the payment initiated by the payment terminal corresponding to the terminal identifier.

In step S4025, if the authentication response message indicates that the terminal identification of the payment terminal is legal, the contactless payment application interaction is performed through the first cloud subsystem and the second cloud subsystem to obtain the payment element.

When the terminal identification is legal, the payment terminal will interact with the user equipment and the second cloud subsystem through the contactless payment application through the first cloud subsystem.

Through the unique terminal identification of the payment terminal, a stable communication link can be established between the terminal device, the first cloud subsystem and the second cloud subsystem. Ensure that the first cloud subsystem and the second cloud subsystem will not actively receive messages sent by payment terminals without terminal identification, nor will they receive messages sent by heavy-duty terminals without legal terminal identifications, ensuring the security of the payment process Sex and reliability.

In the above embodiment, the network slicing technology can be used to realize the communication between the payment terminal, the first cloud subsystem and the second cloud subsystem, so as to realize the resource separation of network transmission. Network slicing technology is an on-demand networking technology in 5G networks, which can cut out multiple virtual end-to-end networks on a unified infrastructure. Each sliced network ranges from the wireless access network to the bearer network to the core network. Logically isolated. The use of different slice networks can realize the separation of network transmission resources, thereby improving transmission efficiency and utilization of network resources.

Wherein, the payment terminal communicates with the first cloud subsystem through the first slice network. The first cloud subsystem communicates with the second cloud subsystem through a second slice network. Each slicing network may include multiple slicing sub-networks, and each slicing sub-network may transmit specific resources.

For example, FIG. 5 is a schematic diagram of an example of a slicing network between a payment terminal, a first cloud subsystem, and a second cloud subsystem provided by an embodiment of the application. As shown in FIG. 5, the first slicing network W1 includes a first slicing sub-network W1-1 and a second slicing sub-network W1-2. The second slicing network W2 includes a third slicing sub-network W2-1, a fourth slicing sub-network W2-2, and a fifth slicing sub-network W2-3.

The first slicing sub-network W1-1 is used to perform the contactless payment application interaction in the above implementation. The second slicing sub-network W1-2 is used to transmit payment result information. The third slicing sub-network W2-1 is used to perform the contactless payment application interaction in the foregoing embodiment. The fourth slicing sub-network W2-2 is used to transmit payment information. The fifth slicing sub-network W2-3 is used to transmit payment result information. Among them, the payment information is obtained by the first cloud terminal network according to the payment ciphertext. In some examples, the payment information may include, but is not limited to, payment amount, terminal identification, merchant identification, etc., which is not limited herein.

In some examples, the types of payment result information are different, such as voice type, text type, and image type. Correspondingly, the fifth slice sub-network can also be divided into multiple slice sub-networks, and different slice sub-networks transmit different types of payment result information. For example, a slice sub-network belonging to the fifth slice sub-network is used to transmit voice-type payment result information. Another slice sub-network belonging to the fifth slice sub-network is used to transmit text-type payment result information. Another slice sub-network belonging to the fifth slice sub-network is used to transmit the payment result information of the image type.

The embodiment of the present application also provides a payment method, which can be applied to the first cloud subsystem. FIG. 6 is a flowchart of an embodiment of the payment method applied to the first cloud subsystem provided by this application. As shown in FIG. 6, the payment method may include step S501 to step S505.

In step S501, a contactless payment request instruction sent by a payment terminal is received, and the contactless payment request instruction is transmitted to the second cloud subsystem.

The payment terminal transparently transmits the contactless payment request instruction to the first cloud subsystem, and the first cloud subsystem transparently transmits the contactless payment request instruction to the second cloud subsystem. For the content of the contactless payment request instruction, please refer to the relevant description in the above-mentioned embodiment, which will not be repeated here.

In step S502, the payment terminal interacts with the contactless payment application of the second cloud subsystem, and the payment element information sent by the second cloud subsystem is transmitted to the payment terminal.

Messages between the payment terminal and the second cloud subsystem during the contactless payment application interaction process need to be transmitted by the first cloud subsystem. The second cloud subsystem transparently transmits the payment element information obtained during the interaction of the contactless payment application to the first cloud subsystem, and the first cloud subsystem transparently transmits the payment element information to the payment terminal.

For the content of the contactless payment application interaction and payment element information, please refer to the relevant description in the foregoing embodiment, which will not be repeated here.

In step S503, the payment ciphertext sent by the payment terminal is received, and the payment ciphertext is transmitted to the second cloud subsystem.

Among them, the payment ciphertext is generated according to the payment element information. For the content of the payment ciphertext, please refer to the relevant description in the foregoing embodiment, which will not be repeated here.

In step S504, the payment information matching the payment ciphertext is obtained according to the payment ciphertext, and the payment information is transmitted to the second cloud subsystem.

Wherein, the payment information may include, but is not limited to, payment amount, terminal identification, merchant identification, etc., which is not limited herein.

In step S505, the payment result information transmitted by the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal.

Among them, the payment result information is obtained based on the payment information. For the content of the payment result information, please refer to the relevant description in the foregoing embodiment, which will not be repeated here.

In the embodiment of the present application, the payment terminal and the second cloud subsystem perform the transmission of the contactless payment request instruction, the interaction process of the contactless payment application, the transmission of payment ciphertext, the transmission of payment information, and the payment result through the first cloud subsystem. The information is transmitted so that the contactless payment application interaction process is executed by the second cloud subsystem, and the user equipment does not need to install a functional module that realizes the contactless payment application interaction between the user equipment and the payment terminal. The structure of the payment terminal is simplified, the cost of the payment terminal is reduced, and the overall cost of the system supporting the contactless payment process is reduced.

FIG. 7 is a flowchart of another embodiment of the payment method applied to the first cloud subsystem provided by this application. The difference between FIG. 7 and FIG. 6 is that step S502 in FIG. 6 can be specifically refined into step S5021 to step S5023 in FIG. 7.

In step S5021, the contactless payment environment of the payment terminal and the second cloud subsystem is confirmed, and the identification of the payment application supported by the user equipment issued by the payment terminal is transparently transmitted to the second cloud subsystem.

Specifically, the first cloud subsystem transparently transmits the contactless payment environment confirmation request message sent by the second cloud subsystem to the payment terminal. The first cloud subsystem transparently transmits the contactless payment environment confirmation response message sent by the payment terminal to the second cloud subsystem.

In step S5022, the payment application selection of the payment terminal and the second cloud subsystem is performed.

Specifically, the first cloud subsystem transparently transmits the target payment application information sent by the second cloud subsystem to the payment terminal. The target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

In step S5023, interaction between the payment terminal and the payment element of the second cloud subsystem is performed, and the payment element information sent by the second cloud subsystem is transparently transmitted to the payment terminal.

Specifically, the first cloud subsystem transparently transmits the payment element request message sent by the payment terminal to the second cloud subsystem. The first cloud subsystem transparently transmits the payment element response message sent by the second cloud subsystem to the payment terminal. Wherein, the payment element response message includes payment element information.

The contents of the contactless payment environment confirmation, the identification of the payment application supported by the user equipment, the selection of the payment application, the interaction of the payment element, and the content of the payment element information in this embodiment can be referred to the relevant description in the foregoing embodiment, and will not be repeated here.

FIG. 8 is a flowchart of another embodiment of the payment method applied to the first cloud subsystem provided by this application. The difference between FIG. 8 and FIG. 6 is that step S502 in FIG. 6 can be specifically refined into step S5024 and step S5025 in FIG. 8.

In step S5024, an authentication response message is transmitted to the payment terminal according to the terminal identification of the payment terminal in the contactless payment request instruction.

The contactless payment request instruction includes the terminal identification of the payment terminal. The first cloud subsystem verifies the legality of the terminal identifier in the contactless payment request instruction, and generates an authentication response message. Among them, the authentication response message is used to characterize whether the terminal identification of the payment terminal is legal.

In some examples, a legal identification database may be set in the first cloud subsystem, and the terminal identification in the contactless payment request instruction can be determined by searching in the legal identification database whether there is an identification that is the same as the terminal identification in the contactless payment request instruction. Whether the logo is legal. If there is an identifier that is the same as the terminal identifier in the contactless payment request instruction in the legal identifier database, it is determined that the terminal identifier in the contactless payment request instruction is legal. In the embodiments of the present application, other methods may also be used to verify the legality of the terminal identification in the contactless payment request instruction, which is not limited herein.

In step S5025, if the authentication response message indicates that the terminal identification of the payment terminal is legal, the payment terminal interacts with the contactless payment application of the second cloud subsystem, and the payment element information sent by the second cloud subsystem is transmitted to the payment terminal .

For the content of the terminal identification, authentication response message, contactless payment application interaction, and payment element information in this embodiment, please refer to the relevant description in the foregoing embodiment, and will not be repeated here.

In the above embodiment, the payment terminal of the first cloud subsystem communicates with the payment terminal through the first slice network. The first cloud subsystem communicates with the second cloud subsystem through a second slice network.

Specifically, the first slicing network includes a first slicing sub-network and a second slicing sub-network. The first slicing sub-network is used for contactless payment application interaction. The second slicing sub-network is used to transmit payment result information.

The second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network. The third slice sub-network is used for contactless payment application interaction. The fourth slicing sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

The slicing network technology is used between the payment terminal, the first cloud sub-system and the second cloud sub-system to realize the communication between the payment terminal, the first cloud sub-system and the second cloud sub-system. For the content of the communication between the payment terminal, the first cloud sub-system and the second cloud sub-system, please refer to the above embodiments. Relevant instructions will not be repeated here.

This application also provides a payment method, which can be applied to the second cloud subsystem. FIG. 9 is a flowchart of an embodiment of the payment method applied to the second cloud subsystem provided by this application. As shown in Fig. 9, the payment method may include step S601 to step S605.

In step S601, in response to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, the contactless payment application interaction is performed with the payment terminal through the first cloud subsystem to obtain payment element information.

Among them, the content of the contactless payment request instruction, the contactless payment application interaction and the payment element information can refer to the relevant description in the foregoing embodiment, and will not be repeated here.

In step S602, the payment element information is transmitted to the payment terminal through the first cloud subsystem.

In step S603, the payment ciphertext transmitted by the payment terminal through the first cloud subsystem is received.

In step S604, the payment information obtained by the first cloud subsystem according to the payment ciphertext is received, and the payment information is sent to the settlement processing system.

Wherein, the settlement processing system is used to generate payment result information according to the payment information, and transmit the payment result information to the second cloud subsystem.

In step S605, the payment result information fed back by the settlement processing system is obtained, and at least part of the payment result information is transmitted to the payment terminal through the first cloud subsystem.

Among them, the payment result information is used to characterize the payment result. The payment result may include whether the payment is successful, the payment amount, etc., which are not limited here.

Specifically, the second cloud subsystem may transmit all the payment result information fed back by the settlement processing system to the first cloud subsystem, and the first cloud subsystem stores all the payment result information. Since the payment result information displayed by the payment terminal to the user may be a part, the first cloud subsystem may transmit part of the payment result information or all the payment result information to the payment terminal, which is not limited here.

In the embodiment of the present application, the contactless payment application interaction of the user equipment is not carried out between the user equipment and the payment terminal, but is carried out through the payment terminal and the first cloud subsystem and the second cloud subsystem. The user equipment does not need to install functional modules that realize the contactless payment application interaction between the user equipment and the payment terminal, which simplifies the structure of the payment terminal and reduces the cost of the payment terminal, thereby reducing the overall cost of the system supporting the contactless payment process .

FIG. 10 is a flowchart of another embodiment of the payment method applied to the second cloud subsystem provided by this application. The difference between FIG. 10 and FIG. 9 is that step S601 in FIG. 9 can be specifically refined into step S6011 to step S6013.

In step S6011, in response to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, the contactless payment environment is confirmed with the payment terminal through the first cloud subsystem, and the payment terminal transmits through the first cloud subsystem. The identification of the payment application supported by the incoming user device.

Specifically, the second cloud subsystem transmits the contactless payment environment confirmation request message to the payment terminal through the first cloud subsystem. The second cloud subsystem receives the contactless payment environment confirmation response message transmitted by the payment terminal through the first cloud subsystem.

In step S6012, payment application selection is performed through the first cloud subsystem and the payment terminal.

Specifically, the second cloud subsystem establishes an application identification candidate list according to the identification of the payment application supported by the user equipment and the identification of the payment application supported by the second cloud subsystem. Wherein, the application identification candidate list includes identifications for payment used by the user equipment and identifications of payment applications supported by the second cloud subsystem. The second cloud subsystem selects the target application identifier from the application identifier candidate list, obtains target payment information matching the target application identifier, and transmits the target payment information to the payment terminal through the first cloud subsystem. The target application identifier is an identifier of at least one payment application in the application identifier candidate list.

In step S6013, the payment element interaction is performed with the payment terminal through the first cloud subsystem, and the payment element information is transmitted to the payment terminal through the first cloud subsystem.

Specifically, the second cloud subsystem receives the payment element request message transmitted by the payment terminal through the first cloud subsystem. The second cloud subsystem generates a payment element response message according to the payment element request message. Wherein, the payment element response message includes payment element information. The second cloud subsystem transmits the payment element response message to the payment terminal through the first cloud subsystem.

Contactless payment environment confirmation, contactless payment environment confirmation request message, contactless payment environment confirmation response message, payment application selection, payment element interaction, payment element request message, payment element response message, please refer to the relevant description in the above embodiment , I won’t repeat it here.

In some embodiments, the second cloud subsystem may include a contactless processing cloud subsystem and a payment processing cloud subsystem. Among them, the contactless processing cloud subsystem is used to perform relevant steps of contactless payment application interaction. The payment processing cloud subsystem is used to execute steps related to payment information and payment result information. For example, the contactless processing cloud subsystem can perform the above steps S601 to S603, and steps S6011 to S6013. The payment processing cloud subsystem can perform the above steps S604 and S605.

In the above embodiment, the payment terminal communicates with the first cloud subsystem through the first slice network. The second cloud subsystem communicates with the first cloud subsystem through a second slice network.

For ease of description, the following uses an example to illustrate the payment method in the payment system including the payment terminal, the first cloud subsystem, and the second cloud subsystem. Fig. 11 is a flowchart of an example of a payment method applied to a payment system provided by an embodiment of the application. As shown in Fig. 11, the payment method includes step S701 to step S728.

In step S701, the payment terminal senses the contactless module of the user equipment and sends a contactless payment request instruction to the first cloud subsystem.

In step S702, the first cloud subsystem verifies the legality of the payment terminal according to the contactless payment request instruction.

In step S703, if the verification determines that the payment terminal is legal, the contactless payment request instruction is transmitted to the second cloud subsystem.

In step S704, the second cloud subsystem transmits the contactless payment environment confirmation request message to the first cloud subsystem.

In step S705, the first cloud subsystem transmits the contactless payment environment confirmation request message to the payment terminal.

In step S706, the payment terminal transmits a contactless payment environment confirmation request message to the user equipment.

In step S707, the user equipment generates a contactless payment environment confirmation response message according to the contactless payment environment confirmation request message, and transmits the contactless payment environment confirmation response message to the payment terminal.

In step S708, the payment terminal transmits the contactless payment environment confirmation response message to the first cloud subsystem. The contactless payment environment confirmation response message includes the identification of the payment application supported by the user equipment.

In step S709, the first cloud subsystem transmits the contactless payment environment confirmation response message to the second cloud subsystem.

In step S710, the second cloud subsystem establishes an application identification candidate list according to the identification of the payment application supported by the user equipment and the identification of the payment application supported by the second cloud subsystem.

In step S711, the second cloud subsystem selects the target application identifier from the application identifier candidate list, and transmits the target payment application information corresponding to the target application identifier to the first cloud subsystem.

In step S712, the first cloud subsystem transmits the target payment application information to the payment terminal.

In step S713, the payment terminal transmits the target payment information to the user equipment.

In step S714, the user equipment transmits the payment element request message to the payment terminal.

In step S715, the payment terminal transmits the payment element request message to the first cloud subsystem.

In step S716, the first cloud subsystem transmits the payment element request message to the second cloud terminal system.

In step S717, the second cloud subsystem generates a payment element response message according to the payment element request message, and transmits the payment element response message to the first cloud subsystem. The payment element response message includes payment element information.

In step S718, the first cloud subsystem transmits the payment element response message to the payment terminal.

In step S719, the payment terminal transmits the payment element response message to the user equipment.

In step S720, the user equipment generates a payment ciphertext according to the payment element information, and transmits the payment ciphertext to the payment terminal.

In step S721, the payment terminal transmits the payment ciphertext to the first cloud subsystem.

In step S722, the first cloud subsystem transmits the payment ciphertext to the second cloud subsystem.

In step S723, the first cloud subsystem obtains payment information matching the payment ciphertext according to the payment ciphertext.

In step S724, the first cloud subsystem transmits the payment information to the second cloud subsystem.

In step S725, the second cloud subsystem transmits the payment information to the settlement processing system.

In step S726, the settlement processing system generates payment result information according to the payment information, and transmits the payment result information to the second cloud subsystem.

In step S727, the second cloud subsystem transmits the payment result information to the first cloud subsystem.

In step S728, the first cloud subsystem transmits the payment result information to the payment terminal.

For the content in the above steps S701 to S728, please refer to the relevant description in the above embodiment, which will not be repeated here.

The embodiment of the application also provides a payment terminal. FIG. 12 is a schematic structural diagram of an embodiment of a payment terminal provided by this application. As shown in FIG. 12, the payment terminal 100 includes a contactless communication module 101 and a network communication module 102.

The contactless communication module 101 is used to sense the contactless module of the user equipment, and transmit the payment element information obtained through the contactless payment application interaction to the user equipment through the contactless module, and receive the payment transmitted from the user equipment through the contactless module The ciphertext, the payment ciphertext is generated according to the payment element information.

The network communication module 102 is used to send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem if the contactless communication module senses the contactless module of the user equipment, and, through the first cloud subsystem and the second cloud subsystem The terminal system performs contactless payment application interaction, and transmits the payment cipher text to the second cloud subsystem through the first cloud subsystem, and receives payment result information transmitted by the second cloud subsystem through the first cloud subsystem.

In some examples, the network communication module 102 may specifically be a 5G communication module.

In some examples, the network communication module 102 may be specifically used to: confirm the contactless payment environment through the first cloud subsystem and the second cloud subsystem, and transmit user equipment support to the second cloud subsystem through the first cloud subsystem The identification of the payment application; the payment application selection is performed through the first cloud subsystem and the second cloud subsystem; the payment element interaction is performed through the first cloud subsystem and the second cloud subsystem, and the second cloud subsystem receives the Payment element information transmitted from the terminal system.

Specifically, the network communication module 102 may be specifically configured to: receive the contactless payment environment confirmation request message transmitted by the second cloud subsystem through the first cloud subsystem; and transmit the contactless payment environment confirmation request message to the second remote subsystem through the first cloud subsystem. The payment environment confirms the response message; the identification of the payment application supported by the user equipment is transmitted to the second cloud subsystem through the first cloud subsystem.

The contactless communication module 101 can be specifically used to: transmit the contactless payment environment confirmation request message to the user equipment through the contactless module; receive the contactless payment environment confirmation response message transmitted by the user equipment through the contactless module; The identification of the payment application supported by the user equipment transmitted from the interface module.

Specifically, the network communication module 102 may be specifically configured to receive target payment application information transmitted by the second cloud subsystem through the first cloud subsystem.

The contactless communication module 101 may be specifically configured to transmit target payment application information to the user equipment through the contactless module.

Wherein, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

Specifically, the contactless communication module 101 may be specifically configured to receive a payment element request message transmitted by the user equipment through the contactless module; and transmit the payment element response message to the user equipment through the contactless module.

The network communication module 102 may be specifically configured to transmit a payment element request message to the second cloud subsystem through the first cloud subsystem; to receive a payment element response message transmitted from the second cloud subsystem through the first cloud subsystem.

Wherein, the payment element response message includes payment element information.

In some examples, the contactless payment request instruction includes the terminal identification of the payment terminal. The network communication module 102 may be specifically configured to: receive an authentication response message transmitted by the first cloud subsystem, the authentication response message is used to characterize whether the terminal identity of the payment terminal is legal; if the authentication response message characterizes that the terminal identity of the payment terminal is legal The payment element is obtained through the contactless payment application interaction between the first cloud sub-system and the second cloud sub-system.

In some examples, the network communication module communicates with the first cloud subsystem through the first slice network.

FIG. 13 is a schematic structural diagram of another embodiment of a payment terminal provided by this application. The difference between FIG. 13 and FIG. 12 is that the payment terminal 100 may also include a central processing module 103 and a power supply and power amplifier module 104.

Among them, the central processing module 103 is used to call the contactless communication module and the network communication module.

The power supply and power amplifier module 104 is used to provide power and realize the power amplifier function.

The embodiment of the present application also provides a cloud subsystem, which is the first cloud subsystem in the above-mentioned embodiment. FIG. 14 is a schematic structural diagram of an embodiment of the first cloud subsystem provided by this application. As shown in FIG. 14, the first cloud subsystem 200 may include a network communication module 201 and a processing module 202.

The network communication module 201 is used to receive the contactless payment request instruction sent by the payment terminal, transmit the contactless payment request instruction to the second cloud subsystem, and perform the contactless payment application interaction between the payment terminal and the second cloud subsystem, and The payment element sent by the second cloud subsystem is transmitted to the payment terminal, and the payment ciphertext sent by the payment terminal is received, the payment ciphertext is transmitted to the second cloud subsystem, the payment ciphertext is generated based on the payment element information, and the payment information It is transmitted to the second cloud subsystem, and the payment result information transmitted by the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal.

In some examples, the network communication module 201 may specifically be a 5G communication module.

The processing module 202 is configured to obtain payment information matching the payment ciphertext according to the payment ciphertext.

In some examples, the network communication module 201 may be specifically configured to: confirm the contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmit the identification of the payment application supported by the user equipment issued by the payment terminal to the second cloud Terminal system; select payment applications between the payment terminal and the second cloud subsystem; perform interactions between the payment terminal and the payment element of the second cloud subsystem, and transparently transmit the payment element information sent by the second cloud subsystem to the payment terminal.

Specifically, the network communication module 201 can be specifically used to: transparently transmit the contactless payment environment confirmation request message sent by the second cloud subsystem to the payment terminal; transparently transmit the contactless payment environment confirmation response message sent by the payment terminal to the second Cloud subsystem.

Specifically, the network communication module 201 may be specifically configured to transparently transmit the target payment application information sent by the second cloud subsystem to the payment terminal. Wherein, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

Specifically, the network communication module 201 may be specifically configured to: transparently transmit the payment element request message sent by the payment terminal to the second cloud subsystem; transparently transmit the payment element response message sent by the second cloud subsystem to the payment terminal.

In some examples, the network communication module 201 may be specifically configured to transmit an authentication response message to the payment terminal according to the terminal identification of the payment terminal in the contactless payment request instruction, and the authentication response message is used to characterize whether the terminal identification of the payment terminal is legal ; If the authentication response message characterizes the legitimacy of the terminal identification of the payment terminal, the payment terminal interacts with the contactless payment application of the second cloud subsystem.

In some examples, the network communication module 201 communicates with the payment terminal through the first slice network. The network communication module 201 communicates with the second cloud subsystem through the second slice network.

The second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network. The third slice sub-network is used for contactless payment application interaction, and the fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

The application also provides a cloud subsystem, which is the second cloud subsystem in the above-mentioned embodiment. FIG. 15 is a schematic structural diagram of an embodiment of the second cloud subsystem provided by this application. As shown in FIG. 15, the second cloud subsystem 300 includes a network communication module 301 and a processing module 302.

The network communication module 301 can be used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, perform contactless payment application interaction with the payment terminal through the first cloud subsystem, and pass payment element information through the first cloud The terminal system transmits to the payment terminal, and receives the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext is generated according to the payment element information, and receives the payment information obtained by the first cloud subsystem according to the payment ciphertext , Sending the payment information to the settlement processing system, and obtaining the payment result information fed back by the settlement processing system, and transmitting at least part of the payment result information to the payment terminal through the first cloud subsystem.

In some examples, the network communication module 301 may specifically be a 5G communication module.

The processing module 302 can be used to obtain payment element information through contactless payment application interaction.

In the embodiment of the present application, the contactless payment application interaction of the user equipment is not carried out between the user equipment and the payment terminal, but is carried out through the payment terminal, the first cloud subsystem and the second cloud subsystem. The user equipment does not need to install functional modules that realize the contactless payment application interaction between the user equipment and the payment terminal, which simplifies the structure of the payment terminal and reduces the cost of the payment terminal, thereby reducing the overall cost of the system supporting the contactless payment process .

In some examples, the network communication module 301 may be specifically used for: confirming the contactless payment environment with the payment terminal through the first cloud subsystem, and receiving the payment application information supported by the user equipment transmitted by the payment terminal through the first cloud subsystem. Identification; payment application selection through the first cloud subsystem and the payment terminal; payment element interaction with the payment terminal through the first cloud subsystem, and the payment element information is transmitted to the payment terminal through the first cloud subsystem.

Specifically, the network communication module 301 may be specifically configured to: transmit the contactless payment environment confirmation request message to the payment terminal through the first cloud subsystem; receive the contactless payment environment confirmation response message transmitted by the payment terminal through the first cloud subsystem .

The processing module 302 may be specifically configured to: establish an application identification candidate list according to the identification of the payment application supported by the user equipment and the identification of the payment application supported by the second cloud subsystem; select the target application identification from the candidate application identification list, and obtain the The target payment information matched by the target application identifier is transmitted to the payment terminal through the first cloud subsystem.

Specifically, the network communication module 301 may be specifically configured to: receive a payment element request message transmitted by the payment terminal through the first cloud subsystem; and transmit the payment element response message to the payment terminal through the first cloud subsystem.

The processing module 302 may be specifically configured to generate a payment element response message according to the payment element request message.

In some examples, the network communication module 301 communicates with the first cloud subsystem through the second slice network.

Specifically, the second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network. The third slice sub-network is used for contactless payment application interaction, and the fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

In some examples, the second cloud subsystem may further include a payment management module and a payment security control module. Among them, the payment management module can be used to manage payment-related information. The payment security control module is used to prevent payment risks.

FIG. 16 is a schematic diagram of the hardware structure of an embodiment of the payment terminal provided by this application. As shown in FIG. 16, the payment terminal 800 includes a memory 801, a processor 802, and a computer program stored on the memory 801 and running on the processor 802.

In an example, the aforementioned processor 802 may include a central processing unit (CPU), or a specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

The memory 801 may include a large-capacity memory for data or instructions. By way of example and not limitation, the memory 801 may include an HDD, a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these. Where appropriate, the storage 801 may include removable or non-removable (or fixed) media. Where appropriate, the memory 801 can be opened inside or outside the payment terminal 800 in the terminal hotspot. In a particular embodiment, the memory 801 is a non-volatile solid-state memory. In a particular embodiment, the memory 801 includes read-only memory (ROM). Where appropriate, the ROM can be mask-programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), electrically rewritable ROM (EAROM) or flash memory or A combination of two or more of these.

The processor 802 runs the computer program corresponding to the executable program code by reading the executable program code stored in the memory 801, so as to implement the payment method applied to the payment terminal in the foregoing embodiment.

In an example, the payment terminal 800 may further include a communication interface 803 and a bus 804. Among them, as shown in FIG. 16, the memory 801, the processor 802, and the communication interface 803 are connected through a bus 804 and complete mutual communication.

The communication interface 803 is mainly used to implement communication between various modules, devices, units and/or devices in the embodiments of the present application. The input device and/or output device can also be accessed through the communication interface 803.

The bus 804 includes hardware, software, or both, and couples the components of the payment terminal 800 to each other. By way of example and not limitation, the bus 804 may include an accelerated graphics port (AGP) or other graphics bus, an enhanced industry standard architecture (EISA) bus, a front side bus (FSB), a hypertransport (HT) interconnect, an industry standard architecture (ISA) ) Bus, unlimited bandwidth interconnect, low pin count (LPC) bus, memory bus, microchannel architecture (MCA) bus, peripheral component interconnect (PCI) bus, PCI-Express (PCI-X) bus, serial advanced Technical Attachment (SATA) bus, Video Electronics Standards Association Local (VLB) bus or other suitable bus or a combination of two or more of these. Where appropriate, the bus 804 may include one or more buses. Although the embodiments of this application describe and show a specific bus, this application considers any suitable bus or interconnection.

The embodiment of the present application also provides a cloud server. The hardware structure of the cloud server is basically the same as the hardware structure of the payment terminal shown in FIG. 16. It should be noted that the processor in the cloud server runs the computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to realize the payment applied to the first cloud subsystem in the above embodiment. Method and/or payment method applied to the second cloud subsystem.

An embodiment of the present application also provides a computer-readable storage medium with a computer program stored on the computer-readable storage medium. When the computer program is executed by a processor, the payment method and application applied to the payment terminal in the above-mentioned embodiment can be implemented. The payment method in the first cloud subsystem or the payment method applied in the second cloud subsystem.

It should be clear that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. Place. Regarding the payment terminal embodiment, the cloud subsystem embodiment, the cloud server embodiment, and the computer-readable storage medium embodiment, for relevant details, please refer to the description part of the method embodiment. The application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between steps after grasping the spirit of the application. And, for the sake of brevity, a detailed description of the known method and technology is omitted here.

The above describes various aspects of the present application with reference to the flowcharts and/or block diagrams of the methods, devices (subsystems, systems) and machine program products according to the embodiments of the present application. It should be understood that each block in the flowcharts and/or block diagrams and combinations of blocks in the flowcharts and/or block diagrams can be implemented by programs or instructions. These programs or instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device to generate a machine such that these programs or instructions are executed by the processor of the computer or other programmable data processing device Enables the realization of functions/actions specified in one or more blocks of the flowchart and/or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a dedicated processor, a special application processor, or a field programmable logic circuit. It can also be understood that each block in the block diagram and/or flowchart and the combination of the blocks in the block diagram and/or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by dedicated hardware and A combination of computer instructions.

Those skilled in the art should understand that the above-mentioned embodiments are all exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Those skilled in the art should be able to understand and implement other modified embodiments of the disclosed embodiments on the basis of studying the drawings, the description, and the claims. In the claims, the term "comprising" does not exclude other means or steps; the indefinite article "a" does not exclude a plurality; the terms "first" and "second" are used to indicate names rather than to indicate any specific Order. Any reference signs in the claims should not be construed as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

A payment method applied to a payment terminal, the method comprising:

If the contactless module of the user equipment is sensed, send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem;

Perform contactless payment application interaction through the first cloud subsystem and the second cloud subsystem to obtain payment elements;

Transmitting the payment element information to the user equipment through the contactless module;

Receive the payment ciphertext transmitted by the user equipment through the contactless module, transmit the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and transmit the payment ciphertext according to the Payment element information generation;

Receiving payment result information transmitted by the second cloud subsystem through the first cloud subsystem.
The method according to claim 1, wherein the interaction of the contactless payment application through the first cloud subsystem and the second cloud subsystem to obtain payment elements includes:

Confirm the contactless payment environment through the first cloud subsystem and the second cloud subsystem, and transmit the payment application information supported by the user equipment to the second cloud subsystem through the first cloud subsystem Logo

Performing payment application selection through the first cloud subsystem and the second cloud subsystem;

The payment element interaction is performed by the first cloud subsystem and the second cloud subsystem, and the payment element information transmitted by the second cloud subsystem through the first cloud subsystem is received.
The method according to claim 2, wherein the confirmation of the contactless payment environment is performed through the first cloud subsystem and the second cloud subsystem, and the first cloud subsystem sends the confirmation to the second cloud subsystem. The cloud subsystem transmits the identification of the payment application supported by the user equipment, including:

Receiving a contactless payment environment confirmation request message transmitted by the second cloud subsystem through the first cloud subsystem, and transmitting the contactless payment environment confirmation request message to the user equipment through the contactless module;

Receiving a contactless payment environment confirmation response message transmitted by the user equipment through the contactless module, and transmitting the contactless payment environment confirmation response message to the second remote subsystem through the first cloud subsystem;

Receive the identification of the payment application supported by the user equipment transmitted by the user equipment through the contactless module, and transmit the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem Of the logo.
The method according to claim 2, wherein the selection of a payment application through the first cloud subsystem and the second cloud subsystem comprises:

Receiving target payment application information transmitted by the second cloud subsystem through the first cloud subsystem, and transmitting the target payment application information to the user equipment through the contactless module,

Wherein, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.
3. The method according to claim 2, wherein the payment element interaction is performed by the first cloud subsystem and the second cloud subsystem, and the second cloud subsystem is received through the first cloud subsystem. The transmitted payment element information includes:

Receiving a payment element request message transmitted by the user equipment through the contactless module, and transmitting the payment element request message to the second cloud subsystem through the first cloud subsystem;

Receive a payment element response message transmitted by the second cloud subsystem through the first cloud subsystem, and transmit the payment element response message to the user equipment through the contactless module, the payment element response message Including the payment element information.
The method according to claim 1, wherein the contactless payment request instruction includes a terminal identification of the payment terminal,

The interaction of the contactless payment application through the first cloud subsystem and the second cloud subsystem to obtain payment elements includes:

Receiving an authentication response message transmitted by the first cloud subsystem, where the authentication response message is used to characterize whether the terminal identification of the payment terminal is legal;

If the authentication response message indicates that the terminal identifier of the payment terminal is legal, the first cloud subsystem and the second cloud subsystem perform contactless payment application interaction to obtain the payment element.
The method of claim 1, wherein:

Communicating between the payment terminal and the first cloud subsystem through a first slice network;

The first cloud subsystem communicates with the second cloud subsystem through a second slice network.
The method according to claim 7, wherein:

The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network is used for contactless payment application interaction, and the second slicing sub-network is used to transmit the payment result information;

The second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network, the third slicing sub-network is used for contactless payment application interaction, and the fourth slicing sub-network is used for The payment information is transmitted, and the fifth slice sub-network is used to transmit the payment result information.
A payment method applied to a second cloud subsystem, the method including:

In response to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, perform contactless payment application interaction with the payment terminal through the first cloud subsystem to obtain payment element information;

Transmitting the payment element information to the payment terminal through the first cloud subsystem;

Receiving a payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext being generated according to the payment element information;

Receiving payment information obtained by the first cloud subsystem according to the payment ciphertext, and sending the payment information to the settlement processing system;

Obtain the payment result information fed back by the settlement processing system, and transmit at least part of the payment result information to the payment terminal through the first cloud subsystem.
The method according to claim 9, wherein said performing contactless payment application interaction with said payment terminal through said first cloud subsystem to obtain payment element information comprises:

Confirm the contactless payment environment with the payment terminal through the first cloud subsystem, and receive the identification of the payment application supported by the user equipment transmitted by the payment terminal through the first cloud subsystem;

Performing payment application selection through the first cloud subsystem and the payment terminal;

Perform payment element interaction with the payment terminal through the first cloud subsystem, and transmit the payment element information to the payment terminal through the first cloud subsystem.
The method according to claim 10, wherein said performing a contactless payment environment confirmation with said payment terminal through said first cloud subsystem comprises:

Transmitting a contactless payment environment confirmation request message to the payment terminal through the first cloud subsystem;

Receiving a contactless payment environment confirmation response message transmitted by the payment terminal through the first cloud subsystem.
The method according to claim 10, wherein the selection of a payment application through the first cloud subsystem and the payment terminal comprises:

Establishing an application identification candidate list according to the identification of the payment application supported by the user equipment and the identification of the payment application supported by the second cloud subsystem;

A target application identifier is selected from the application identifier candidate list, and target payment information matching the target application identifier is obtained, and the target payment information is transmitted to the payment terminal through the first cloud subsystem.
The method according to claim 10, wherein the payment element interaction is performed with the payment terminal through the first cloud subsystem, and the payment element information is transmitted to the payment through the first cloud subsystem Terminal, including:

Receiving a payment element request message transmitted by the payment terminal through the first cloud subsystem;

Generating a payment element response message according to the payment element request message, where the payment element response message includes the payment element information;

The payment element response message is transmitted to the payment terminal through the first cloud subsystem.
The method according to claim 9, wherein:

Communicating between the payment terminal and the first cloud subsystem through a first slice network;

The second cloud subsystem communicates with the first cloud subsystem through a second slice network.
The method according to claim 14, wherein:

The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network is used for contactless payment application interaction, and the second slicing sub-network is used to transmit the payment result information;

The second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network, the third slicing sub-network is used for contactless payment application interaction, and the fourth slicing sub-network is used for The payment information is transmitted, and the fifth slice sub-network is used to transmit the payment result information.
A payment method applied to the first cloud subsystem, the method including:

Receiving the contactless payment request instruction sent by the payment terminal, and transmitting the contactless payment request instruction to the second cloud subsystem;

Performing a contactless payment application interaction between the payment terminal and the second cloud subsystem, and transmitting the payment element sent by the second cloud subsystem to the payment terminal;

Receiving the payment ciphertext sent by the payment terminal, transmitting the payment ciphertext to the second cloud subsystem, the payment ciphertext being generated according to the payment element information;

According to the payment ciphertext, obtain payment information matching the payment ciphertext, and transmit the payment information to the second cloud subsystem;

Receiving the payment result information transmitted by the second cloud subsystem, and transmitting at least part of the payment result information to the payment terminal.
The method according to claim 16, wherein said performing a contactless payment application interaction between said payment terminal and said second cloud subsystem, and transmitting the payment element sent by said second cloud subsystem to said payment Terminal, including:

Confirming the contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmit the identification of the payment application supported by the user equipment issued by the payment terminal to the second cloud subsystem;

Performing payment application selection between the payment terminal and the second cloud subsystem;

The payment element interaction between the payment terminal and the second cloud subsystem is performed, and the payment element information sent by the second cloud subsystem is transparently transmitted to the payment terminal.
The method according to claim 17, wherein said performing a contactless payment environment confirmation between said payment terminal and said second cloud subsystem comprises:

Transparently transmit the contactless payment environment confirmation request message sent by the second cloud subsystem to the payment terminal;

Transparently transmit the contactless payment environment confirmation response message sent by the payment terminal to the second cloud subsystem.
The method according to claim 17, wherein said selecting a payment application between said payment terminal and said second cloud subsystem comprises:

Transparently transmit the target payment application information issued by the second cloud subsystem to the payment terminal, where the target payment application information is application information of at least one payment application supported by the user equipment and/or the second cloud Application information of at least one payment application supported by the terminal system.
The method according to claim 17, wherein the interaction of the payment element between the payment terminal and the second cloud subsystem is performed, and the payment element information sent by the second cloud subsystem is transparently transmitted to all The payment terminal includes:

Transparently transmit the payment element request message sent by the payment terminal to the second cloud subsystem;

The payment element response message sent by the second cloud subsystem is transparently transmitted to the payment terminal, and the payment element response message includes the payment element information.
The method according to claim 16, wherein the contactless payment request instruction includes a terminal identification of the payment terminal,

The performing the contactless payment application interaction between the payment terminal and the second cloud subsystem includes:

Transmitting an authentication response message to the payment terminal according to the terminal identification of the payment terminal in the contactless payment request instruction, where the authentication response message is used to characterize whether the terminal identification of the payment terminal is legal;

If the authentication response message indicates that the terminal identification of the payment terminal is legal, perform a contactless payment application interaction between the payment terminal and the second cloud subsystem.
The method of claim 16, wherein:

The first cloud subsystem payment terminal communicates with the payment terminal through a first slice network;

The first cloud subsystem communicates with the second cloud subsystem through a second slice network.
The method of claim 22, wherein:

The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network is used for contactless payment application interaction, and the second slicing sub-network is used to transmit the payment result information;

The second slicing network includes a third slicing sub-network, a fourth slicing sub-network, and a fifth slicing sub-network, the third slicing sub-network is used for contactless payment application interaction, and the fourth slicing sub-network is used for The payment information is transmitted, and the fifth slice sub-network is used to transmit the payment result information.
A payment terminal, including:

The contactless communication module is used to sense the contactless module of the user equipment, and to transmit the payment element information obtained by the contactless payment application interaction to the user equipment through the contactless module, and to receive the user equipment through the contactless module. The payment ciphertext transmitted by the contactless module, the payment ciphertext being generated according to the payment element information;

The network communication module is configured to, if the contactless communication module senses the contactless module of the user equipment, send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem, and, through The first cloud subsystem performs contactless payment application interaction with the second cloud subsystem, and transmits the payment cipher text to the second cloud subsystem through the first cloud subsystem, and receives all The payment result information transmitted by the second cloud subsystem through the first cloud subsystem.
The payment terminal according to claim 16, further comprising:

The central processing module is used to call the contactless communication module and the network communication module.
The payment terminal according to claim 16, wherein:

The network communication module communicates with the first cloud subsystem through a first slice network.
A cloud subsystem, including:

The network communication module is used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, perform contactless payment application interaction with the payment terminal through the first cloud subsystem, and transfer the payment The element information is transmitted to the payment terminal through the first cloud subsystem, and the payment ciphertext transmitted by the payment terminal through the first cloud subsystem is received, and the payment ciphertext is based on the payment element information Generate, and receive the payment information obtained by the first cloud subsystem according to the payment ciphertext, send the payment information to the settlement processing system, and obtain the payment result information fed back by the settlement processing system through all The first cloud subsystem transmits at least part of the payment result information to the payment terminal;

The processing module is used to obtain payment element information through contactless payment application interaction.
The cloud subsystem of claim 27, wherein:

The network communication module communicates with the first cloud subsystem through a second slice network.
A cloud subsystem, including:

The network communication module is used to receive the contactless payment request instruction sent by the payment terminal, transmit the contactless payment request instruction to the second cloud subsystem, and perform the non-contact payment between the payment terminal and the second cloud subsystem. Receive payment application interaction, transmit the payment element sent by the second cloud subsystem to the payment terminal, and receive the payment ciphertext sent by the payment terminal, and transmit the payment ciphertext to the second cloud Terminal system, the payment ciphertext is generated according to the payment element information, and the payment information is transmitted to the second cloud subsystem, and the payment result information transmitted by the second cloud subsystem is received, and at least part of the Transmitting the payment result information to the payment terminal;

The processing module is configured to obtain the payment information matching the payment ciphertext according to the payment ciphertext.
The cloud subsystem of claim 27, wherein:

The network communication module communicates with the payment terminal through the first slice network;

The network communication module communicates with the second cloud subsystem through a second slice network.
A payment system, including a payment terminal, a first cloud subsystem, and a second cloud subsystem;

The payment terminal is used to execute the payment method according to any one of claims 1 to 8;

The second cloud server is used to execute the payment method according to any one of claims 9 to 15;

The first cloud server is used to execute the payment method according to any one of claims 16 to 23.
A payment terminal, comprising a processor, a memory, and a computer program stored on the memory and capable of running on the processor. The computer program is executed by the processor to implement any of claims 1 to 8 The payment method described in one item.
A cloud server, comprising a processor, a memory, and a computer program stored on the memory and capable of running on the processor. The computer program is executed by the processor to implement any of claims 9 to 15 A payment method as described and/or a payment method as claimed in any one of claims 16 to 23.
A computer-readable storage medium storing a computer program on the computer-readable storage medium, and when the computer program is executed by a processor, the payment method according to any one of claims 1 to 8 is realized, as claimed in claim 9. The payment method according to any one of to 15 or the payment method according to any one of claims 16 to 23.