CN103093350A - On-line payment method based on near field communication (NFC) technology - Google Patents
On-line payment method based on near field communication (NFC) technology Download PDFInfo
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- CN103093350A CN103093350A CN2013100463973A CN201310046397A CN103093350A CN 103093350 A CN103093350 A CN 103093350A CN 2013100463973 A CN2013100463973 A CN 2013100463973A CN 201310046397 A CN201310046397 A CN 201310046397A CN 103093350 A CN103093350 A CN 103093350A
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D30/00—Reducing energy consumption in communication networks
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Abstract
The invention discloses an on-line payment method based on a near field communication (NFC) technology. The method comprises that a payment platform sends payment confirming information to a payment terminal; the payment terminal receives the payment confirming information; the payment terminal starts an NFC module in the payment terminal; the NFC module finishes a payment process; and the payment terminal closes the NFC module. According to the method, the problems that traditional on-line payment is complex in operation and not safe are solved, the problem that in an existing wireless radio frequency payment scheme, an NFC module is in a working state all the time and electricity consumption is large is solved, and the method has the advantage of being safe and convenient to use, power-saving and the like.
Description
Technical field
The present invention relates to the on-line payment field, relate in particular to a kind of on-line payment method based on the NFC technology.
Background technology
Along with the fast development of network technology and ecommerce, shopping at network and online payment have become the important means that people do shopping and conclude the business.At present, the general step of shopping at network is, on user network, selected commodity, submit order to, and payment platform notifies the user to input accounts information and password, and the user inputs accounts information and password, and payment platform is deducted money from account, sends the payment success message to the user.This mode needs the user to remember accounts information, and input message and confirming repeatedly in process of exchange on the net uses cumbersomely, and repeatedly input message easily causes information leakage.
On the other hand, development along with wireless radio-frequency, wireless radio-frequency especially NFC technology has begun to be applied to commercial affairs payment link, such as ticket, admission ticket, POS machine etc., these application are mainly that the NFC module is fixed on the payment terminal of trade company, utilize the NFC payment devices only to pay and just can complete at specific trade company place, this mode is unsuitable for the user and carries out online transaction and payment.In order to facilitate the user to carry out online transaction and payment by the NFC payment devices, someone has proposed to increase the NFC module on the equipment such as telepilot, set-top box, televisor, keyboard, mouse, computing machine, panel computer, read the NFC payment devices information for payment, use at any time the NFC payment devices to carry out online transaction and payment to facilitate the user.But these equipment that increased the NFC module always to the NFC module for power supply, keep the NFC module always in running order at present, wait for and communicating by letter with outside NFC payment devices.Because needs keep power supply to the NFC module, can cause the equipment power consumption to increase, especially there is no the equipment of power supply in real time for telepilot, cordless key mouse, panel computer etc., continue can cause larger impact to the NFC module for power supply.
Summary of the invention
purpose of the present invention is exactly in order to solve delivery operation trouble on common net, and the NFC module that arranges in payment terminal in the existing NFC modes of payments is normally open, the problems such as payment terminal power consumption is larger, a kind of on-line payment method based on the NFC technology has been proposed, it utilizes the NFC technology to realize delivery operation on user network, and the NFC module in payment terminal is only worked in payment process, after delivery operation finishes, the NFC module is in off working state, can be simple and convenient, safety realize online payment, having solved again payment terminal continues the NFC module for power supply is caused the large problem of payment terminal power consumption.
To achieve these goals, the present invention adopts following technical scheme:
A kind of on-line payment method based on the NFC technology, it comprises the steps:
(1) payment platform sends and confirms that payment message is to payment terminal;
(2) payment terminal confirmation of receipt payment message;
(3) payment terminal is opened the NFC module of payment terminal inside;
(4) the NFC module is completed payment process;
(5) payment terminal is closed the NFC module.
Described step (1) also comprises before, and the user selectes the product that will buy by payment terminal.
As a further improvement on the present invention, described step (4) NFC module is completed payment process and is:
The a.NFC module reads the identity information of outside NFC payment devices;
B. the identity information of payment terminal outside NFC payment devices that the NFC module is read sends to payment platform;
C. payment platform carries out delivery operation according to the identity information that receives, and returns to payment result to payment terminal;
D. payment terminal receives and shows payment result.
As a further improvement on the present invention, in described step (2): payment terminal confirmation of receipt payment message is also resolved;
Described step (4) NFC module is completed payment process and is:
The a.NFC module reads the information of outside NFC payment devices;
B. payment terminal is calculated the balance amount information of NFC payment devices according to payment confirming information and the information of the NFC payment devices that reads, and by the NFC module, balance amount information is written in outside NFC payment devices;
The c.NFC payment devices returns and writes result to payment terminal;
D. payment terminal shows payment result.
Further, the information of described NFC payment devices comprises available balance information in the NFC payment devices at least.
Further, described confirmation payment message comprises the payment of this transaction at least.
Also comprise before described step b, payment terminal judges whether the remaining sum in the NFC payment devices satisfies the amount of money of this transaction, if do not satisfy, provides and points out and withdraw from.
As a further improvement on the present invention, in described step (2), payment terminal confirmation of receipt payment message is also resolved, and obtains payment;
Described step (4) NFC module is completed payment process and is:
The a.NFC module is set up with outside NFC payment devices and is communicated by letter;
The b.NFC module sends payment to outside NFC payment devices;
C. outside NFC payment devices is revised NFC payment devices available balance, and returns results the module to NFC;
Further, described step c also comprises, the NFC payment devices judges whether available balance is not less than payment, if deduct payment with available balance and be written in the NFC payment devices as new available balance; If available balance less than payment, is directly returned to failed message to the NFC module.
Further, described confirmation payment message comprises the payment of this transaction at least.
Described payment terminal comprises that at least inside is provided with the set-top box of NFC module, televisor, mobile phone, panel computer or computing machine.
Described payment terminal comprises telepilot and set-top box at least, perhaps telepilot and televisor, and perhaps keyboard and computing machine, perhaps mouse and computing machine, wherein, be provided with the NFC module in telepilot, keyboard or mouse.
Described outside NFC payment devices comprises mobile phone or the IC-card of built-in NFC chip at least.
The invention has the beneficial effects as follows: the present invention has realized the on-line payment function by the NFC technology, and having solved traditional online payment needs repeatedly input of user, trivial operations, use inconvenience, easily causes the problem such as information leakage; Simultaneously, the present invention also controls the NFC module in payment terminal, only open the NFC module in payment process, after finishing, payment closes the NFC module, effectively reduce the power consumption problem of NFC module, especially when payment terminal is the non real-time online power-supply units such as telepilot, cordless key mouse, panel computer, can effectively extend the lasting service time of these payment terminals.As seen, the present invention has the advantages such as easy to use, information security, saving power consumption.
Description of drawings
Fig. 1 is the structural representation of the system of the method for the invention employing;
Fig. 2 is the method for the invention embodiment 1 process flow diagram;
Fig. 3 is the method for the invention embodiment 2 process flow diagrams;
Fig. 4 is the method for the invention embodiment 3 process flow diagrams;
Fig. 5 is the method for the invention embodiment 4 process flow diagrams;
Fig. 6 is the method for the invention embodiment 5 process flow diagrams.
Embodiment
The invention will be further described below in conjunction with accompanying drawing and embodiment.
Accompanying drawing described herein is used to provide a further understanding of the present invention, consists of a part of the present invention, and illustrated embodiment of the present invention and explanation thereof are used for explaining the present invention, do not consist of improper restriction of the present invention.
As shown in Figure 1, based on the system that the on-line payment method of NFC technology adopts, it comprises: payment terminal, payment platform and NFC payment devices, wherein:
Payment terminal, inside are provided with the NFC module, and payment terminal is communicated by letter with payment platform by the internet; Payment terminal is communicated by letter with the NFC payment devices by wireless mode simultaneously;
Payment platform receives the purchase request that the user is undertaken by payment terminal, sends payment confirming information to payment terminal, and completes delivery operation according to the confirmation information of payment terminal;
The NFC payment devices stores the identity information of NFC payment devices or can use remaining sum, with the payment terminal radio communication, publicly completes delivery operation.
Described payment terminal is set-top box, televisor, mobile phone, panel computer or the computing machine that inside is provided with the NFC module.
Described payment terminal is telepilot and set-top box, perhaps telepilot and televisor, and perhaps keyboard and computing machine, perhaps mouse and computing machine, wherein, be provided with the NFC module in telepilot, keyboard or mouse.
Mobile phone or IC-card that described outside NFC payment devices is built-in NFC chip.
Embodiment 1:
As shown in Figure 2, based on the on-line payment method of NFC technology, its step is:
S100: the user selectes the product that will buy by payment terminal;
S101: payment platform sends confirms that payment message is to payment terminal;
S102: payment terminal confirmation of receipt payment message;
S103: payment terminal is opened the NFC module of payment terminal inside;
The S104:NFC module reads the identity information of outside NFC payment devices;
S105: payment terminal sends to payment platform with the identity information of the outside NFC payment devices that the NFC module reads;
S106: payment platform carries out delivery operation according to the identity information that receives, and returns to payment result to payment terminal;
S107: payment terminal receives and shows payment result, closes the NFC module.
Described confirmation payment message comprises the amount of money that this will be paid.
Described step S106 also comprises, payment platform finds account corresponding to NFC payment devices according to the identity information of receiving, and from corresponding account the corresponding amount of money of deduction.
Embodiment 2:
As shown in Figure 3, based on the on-line payment method of NFC technology, its step is:
S200: the user selectes the product that will buy by payment terminal;
S201: payment platform sends confirms that payment message is to payment terminal;
S202: payment terminal confirmation of receipt payment message is also resolved;
S203: payment terminal is opened the NFC module of payment terminal inside;
The S204:NFC module reads the information of outside NFC payment devices;
S205: payment terminal is calculated the balance amount information of NFC payment devices according to payment confirming information and the information of the NFC payment devices that reads, payment terminal is written to balance amount information in outside NFC payment devices by the NFC module;
The S206:NFC payment devices returns and writes result to payment terminal;
S207: payment terminal shows payment result, closes the NFC module.
The information of described NFC payment devices comprises balance amount information available in the NFC payment devices at least.
Described confirmation payment message comprises the payment of this transaction at least.
Also comprise before described step S205, payment terminal judges whether the remaining sum in the NFC payment devices satisfies the amount of money of this transaction, if do not satisfy, provides and points out and withdraw from.
Embodiment 3:
As shown in Figure 4, based on the on-line payment method of NFC technology, its step is:
S300: the user selectes the product that will buy by payment terminal;
S301: payment platform sends confirms that payment message is to payment terminal;
S302: payment terminal confirmation of receipt payment message is also resolved, and obtains payment;
S303: payment terminal is opened the NFC module of payment terminal inside;
The S304:NFC module is set up with outside NFC payment devices and is communicated by letter;
The S305:NFC module sends payment to outside NFC payment devices;
S306: outside NFC payment devices is revised NFC payment devices available balance, and returns results the module to NFC;
S307: payment terminal is closed the NFC module.
Described confirmation payment message comprises the payment of this transaction at least.
Described step S306 also comprises, the NFC payment devices judges whether available balance is not less than payment, if deduct payment with available balance and be written in the NFC payment devices as new available balance; If available balance less than payment, is directly returned to failed message to the NFC module.
Embodiment 4:
Described payment terminal is the set-top box that is built-in with the NFC module, and the NFC payment devices is the IC-card that is built-in with the NFC chip.
As shown in Figure 5, based on the on-line payment method of NFC technology, its step is:
S400: the user selectes the product that will buy by set-top box;
S401: payment platform sends confirms that payment message is to set-top box;
S402: set-top box confirmation of receipt payment message;
S403: set-top box is opened inner NFC functions of modules;
The S404:NFC module reads the identity information of the IC-card of built-in NFC chip;
S405: set-top box sends to payment platform with the identity information of the IC-card that the NFC module reads;
S406: payment platform finds account corresponding to described IC-card according to the identity information that receives;
S407: whether payment platform judges has enough remaining sums to be used for the product that payment is bought, if having, to deduct payment from account in account corresponding to IC-card, and sends the payment success message to set-top box; If there is no enough remaining sums, not withhold, message that transmission is paid unsuccessfully or Sorry, your ticket has not enough value is to set-top box;
S408: set-top box receives message and the demonstration that payment platform is sent, and closes the NFC module.
Described confirmation payment message comprises this exchange acquisition product information and required payment information.
Embodiment 5:
Described payment terminal is telepilot and set-top box, and wherein telepilot inside is provided with the NFC module.
Described NFC payment devices is the mobile phone that is provided with the NFC chip.
As shown in Figure 6, based on the on-line payment method of NFC technology, its step is:
S500: the user is by telepilot and the selected product that will buy of set-top box;
S501: payment platform sends confirms that payment message is to set-top box;
S502: set-top box confirmation of receipt payment message;
S503: set-top box sends the message informing telepilot and opens the NFC module;
S504: telepilot is opened inner NFC functions of modules;
The S505:NFC module reads the identity information of the mobile phone of built-in NFC chip;
S506: telepilot is issued set-top box with the identity information of the mobile phone that the NFC module reads;
S507: set-top box is issued payment platform with the identity information of receiving;
S508: payment platform finds account corresponding to described mobile phone according to the identity information that receives;
S509: whether payment platform judges has enough remaining sums to be used for the product that payment is bought, if having, to deduct payment from account in account corresponding to mobile phone, and sends the payment success message to set-top box; If there is no enough remaining sums, not withhold, message that transmission is paid unsuccessfully or Sorry, your ticket has not enough value is to set-top box;
S510: set-top box receives message and the demonstration that payment platform is sent;
S511: set-top box sends the message informing telepilot and closes the NFC module;
S512: telepilot cuts out the NFC module.
Described confirmation payment message comprises this exchange acquisition product information and required payment information.
Above-mentioned is preferred embodiment of the present invention, and on the basis of technical scheme of the present invention, the various modifications of making or distortion still belong to protection scope of the present invention.
Claims (10)
1. the on-line payment method based on the NFC technology, is characterized in that, it comprises the steps:
(1) payment platform sends and confirms that payment message is to payment terminal;
(2) payment terminal confirmation of receipt payment message;
(3) payment terminal is opened the NFC module of payment terminal inside;
(4) the NFC module is completed payment process;
(5) payment terminal is closed the NFC module.
2. the on-line payment method based on the NFC technology as claimed in claim 1, is characterized in that, described step (1) also comprises before, and the user selectes the product that will buy by payment terminal.
3. the on-line payment method based on the NFC technology as claimed in claim 1, is characterized in that, described step (4) NFC module is completed payment process and is:
The a.NFC module reads the identity information of outside NFC payment devices;
B. the identity information of payment terminal outside NFC payment devices that the NFC module is read sends to payment platform;
C. payment platform carries out delivery operation according to the identity information that receives, and returns to payment result to payment terminal;
D. payment terminal receives and shows payment result.
4. the on-line payment method based on the NFC technology as claimed in claim 1, is characterized in that, in described step (2): payment terminal confirmation of receipt payment message is also resolved;
Described step (4) NFC module is completed payment process and is:
The a.NFC module reads the information of outside NFC payment devices;
B. payment terminal is calculated the balance amount information of NFC payment devices according to payment confirming information and the information of the NFC payment devices that reads, and by the NFC module, balance amount information is written in outside NFC payment devices;
The c.NFC payment devices returns and writes result to payment terminal;
D. payment terminal shows payment result.
5. the on-line payment method based on the NFC technology as claimed in claim 4, is characterized in that, the information of described NFC payment devices comprises available balance information in the NFC payment devices at least.
6. the on-line payment method based on the NFC technology as claimed in claim 4, is characterized in that, described confirmation payment message comprises the payment of this transaction at least.
7. the on-line payment method based on the NFC technology as claimed in claim 4, is characterized in that, also comprises before described step b, and payment terminal judges whether the remaining sum in the NFC payment devices satisfies the amount of money of this transaction, if do not satisfy, provides and point out and withdraw from.
8. the on-line payment method based on the NFC technology as claimed in claim 1, is characterized in that, in described step (2), payment terminal confirmation of receipt payment message is also resolved, and obtains payment;
Described step (4) NFC module is completed payment process and is:
The a.NFC module is set up with outside NFC payment devices and is communicated by letter;
The b.NFC module sends payment to outside NFC payment devices;
C. outside NFC payment devices is revised NFC payment devices available balance, and returns results the module to NFC.
9. the on-line payment method based on the NFC technology as claimed in claim 8, it is characterized in that, described step c also comprises, the NFC payment devices judges whether available balance is not less than payment, if deduct payment with available balance and be written in the NFC payment devices as new available balance; If available balance less than payment, is directly returned to failed message to the NFC module.
10. the on-line payment method based on the NFC technology as claimed in claim 8, is characterized in that, described confirmation payment message comprises the payment of this transaction at least.
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Cited By (6)
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| CN104217323A (en) * | 2014-06-27 | 2014-12-17 | 武汉理工大学 | RDSS (Radio Determination Satellite Service) and NFC (Near Field Communication)-based electronic payment method of unmanned zone scenic spot |
| CN104240078A (en) * | 2014-09-13 | 2014-12-24 | 谭希妤 | Double-NFC shopping mobile phone based on NFC payment |
| CN105744374A (en) * | 2016-02-01 | 2016-07-06 | 四川长虹电器股份有限公司 | NFC near field communication payment method based on smart television |
| CN107943461A (en) * | 2017-12-06 | 2018-04-20 | 福建新大陆支付技术有限公司 | Method and system for multimedia intelligent POS identity information acquisitions |
| WO2022057475A1 (en) * | 2020-09-17 | 2022-03-24 | Oppo广东移动通信有限公司 | Near field communication control method, electronic device, and storage medium |
| WO2022121668A1 (en) * | 2020-12-11 | 2022-06-16 | 展讯半导体(南京)有限公司 | Method and apparatus for processing service on smart terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104217323A (en) * | 2014-06-27 | 2014-12-17 | 武汉理工大学 | RDSS (Radio Determination Satellite Service) and NFC (Near Field Communication)-based electronic payment method of unmanned zone scenic spot |
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| WO2022057475A1 (en) * | 2020-09-17 | 2022-03-24 | Oppo广东移动通信有限公司 | Near field communication control method, electronic device, and storage medium |
| WO2022121668A1 (en) * | 2020-12-11 | 2022-06-16 | 展讯半导体(南京)有限公司 | Method and apparatus for processing service on smart terminal |
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Application publication date: 20130508 |