CN106022762A - Payment method and terminal - Google Patents
Payment method and terminal Download PDFInfo
- Publication number
- CN106022762A CN106022762A CN201610317776.5A CN201610317776A CN106022762A CN 106022762 A CN106022762 A CN 106022762A CN 201610317776 A CN201610317776 A CN 201610317776A CN 106022762 A CN106022762 A CN 106022762A
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- China
- Prior art keywords
- payment
- terminal
- application
- intended application
- request
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Embodiments of the invention provide a payment method and a terminal. The method comprises the following steps: a terminal receives a payment request sent by a money collection device when approaching the money collection device, and opens the payment interface of a target application in response to the payment request; and the terminal gets authentication information input on the payment interface by a user, and completes payment when the authentication information matches preset authentication information. Through the embodiments of the invention, payment can be completed quickly, and the safety of payment is ensured.
Description
Technical field
The present invention relates to mobile payment technical field, be specifically related to a kind of method of payment and terminal.
Background technology
In recent years, mobile payment quickly grows, and the mobile payment scheme of current main flow can be largely classified into two kinds,
The first is to complete to pay by the application with Alipay, wechat as representative, and the second is to pass through near-field communication
(Near Field Communication, NFC) technology completes to pay.
In the first mobile payment scheme, it is generally required to the terminal such as smart mobile phone, panel computer opens application
The gathering Quick Response Code that scanning trade company Cash collecting equipment generates, user inputs payment cipher again and completes to pay, or,
Terminal is opened the payment function of application and is generated payment Quick Response Code, by cashier by barcode scanning gun scanning payment two dimension
Code completes to pay, but said process is the most comparatively laborious, the longest, needs user first by end panel
Curtain is lighted, and unlocks, and opens application, " sweep and sweep " or the payment function that reselection is applied, the most very
To needs Multiple-Scan could success, and may can also require after scan successfully user be actively entered pay golden
Volume, causes the payment of user to experience the best；In the second mobile payment scheme, current NFC pays should
The most limited by scene, mainly Unionpay's operation uses, and popularity rate is the highest, additionally opens small amount and exempts from close payment
After be easy to again stolen brush.Visible, the payment scheme how providing a kind of payment speed fast and safe becomes
For problem demanding prompt solution.
Summary of the invention
Embodiments provide a kind of method of payment and terminal, payment can be rapidly completed, it is ensured that pay
Safety.
Embodiment of the present invention first aspect provides a kind of method of payment, including:
Terminal, when near Cash collecting equipment, receives the payment request that described Cash collecting equipment sends；
The payment interface of intended application is opened in the request that pays described in described terminal response, and described payment interface includes
The payment that described payment request is carried；
Described terminal obtains the checking information that user inputs for described payment interface, and in described checking information
Complete during with default checking information matches to pay.
Optionally, the payment interface of intended application is opened in the request that pays described in described terminal response, including:
Pay the intended application bound in advance of acquisition request described in described terminal response, and open described target should
Payment interface.
Optionally, the payment interface of intended application is opened in the request that pays described in described terminal response, including:
The quantity of the application possessing payment function in terminal described in acquisition request is paid described in described terminal response；
If described quantity is one, the described application possessing payment function is defined as target by the most described terminal should
With, and open the payment interface of described intended application.
Optionally, described method also includes:
If described quantity is multiple, described in the output of the most described terminal, possesses the application identities of the application of payment function
Set；
Described terminal determines that target corresponding to application identities that user selects from described application identities set should
With, and open the payment interface of described intended application.
Optionally, if the screen of described terminal is in OFF state, the most described terminal near Cash collecting equipment time,
After receiving the payment request that described Cash collecting equipment sends, described method also includes:
Described screen is lighted by described terminal.
Optionally, described checking information include fingerprint image, iris image, facial image, audio signal and
One or more in payment cipher.
Embodiment of the present invention second aspect provides a kind of terminal, including:
Receive unit, for described terminal near Cash collecting equipment time, receive described Cash collecting equipment send
Pay request；
Processing unit, for responding the described payment interface paying and asking to open intended application, described payment circle
Face includes the described payment paying and asking to carry；
First acquiring unit, for obtaining the checking information that user inputs for described payment interface；
Payment unit, for completing to pay with when presetting checking information matches in described checking information.
Optionally, the response of described processing unit is described pays request and opens payment interface concrete of intended application
Mode is:
Respond the intended application that described payment acquisition request is bound in advance, and open the payment of described intended application
Interface.
Optionally, described processing unit includes:
Second acquisition unit, possesses answering of payment function for responding in terminal described in described payment acquisition request
Quantity；
Start unit, for when described quantity is one, is defined as the described application possessing payment function
Intended application, and open the payment interface of described intended application.
Optionally, described processing unit also includes:
Output unit, for when described quantity is multiple, possess described in output payment function application should
Use logo collection；
Wherein, described start unit, it is additionally operable to determine the application that user selects from described application identities set
The intended application that mark is corresponding, and open the payment interface of described intended application.
Optionally, described terminal also includes:
Screen control unit, if the screen for described terminal is in OFF state, exists at described reception unit
Described terminal is when Cash collecting equipment, after receiving the payment request that described Cash collecting equipment sends, by described screen
Curtain is lighted.
Optionally, described checking information include fingerprint image, iris image, facial image, audio signal and
One or more in payment cipher.
The embodiment of the present invention third aspect provides a kind of terminal, including:
Input equipment, outut device, processor, memorizer and bus, described input equipment, described output
Equipment, described processor and described memorizer are connected by described bus and complete mutual communicating；
Described memorizer storage has executable program code, described input equipment to be used for receiving payment request, with
And obtaining checking information, described outut device is used for exporting payment interface and application identities；
Described processor, for calling the described executable program code in described memorizer, performs above-mentioned first
Method described in aspect.
In the embodiment of the present invention, terminal is when near Cash collecting equipment, and the payment receiving the transmission of this Cash collecting equipment please
Ask, and respond this payment request and open the payment interface of intended application；This terminal obtains user for this payment
The checking information of interface input, and complete to pay with when presetting checking information matches in this checking information, permissible
It is rapidly completed payment, and safety of guaranteeing payment.
Accompanying drawing explanation
For the technical scheme being illustrated more clearly that in the embodiment of the present invention, institute in embodiment being described below
The accompanying drawing used is needed to be briefly described, it should be apparent that, the accompanying drawing in describing below is only the present invention
Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work,
Other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the first embodiment schematic flow sheet of a kind of method of payment that the embodiment of the present invention provides；
Fig. 2 is the second embodiment schematic flow sheet of a kind of method of payment that the embodiment of the present invention provides；
Fig. 3 is the first embodiment structural representation of a kind of terminal that the embodiment of the present invention provides；
Fig. 4 is the second example structure schematic diagram of a kind of terminal that the embodiment of the present invention provides；
Fig. 5 is the 3rd example structure schematic diagram of a kind of terminal that the embodiment of the present invention provides.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly
Chu, be fully described by, it is clear that described embodiment be only a part of embodiment of the present invention rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creation
The every other embodiment obtained under property work premise, broadly falls into the scope of protection of the invention.
Term " first " in description and claims of this specification and above-mentioned accompanying drawing, " second " etc. are
For distinguishing different object rather than for describing particular order.Additionally, term " includes " and " having "
And they any deformation, it is intended that cover non-exclusive comprising.Such as contain series of steps or list
Process, method, system, product or the equipment of unit is not limited to step or the unit listed, but can
Selection of land also includes step or the unit do not listed, or the most also includes for these processes, method, product
Product or intrinsic other steps of equipment or unit.
Referenced herein " embodiment " is it is meant that the special characteristic, structure or the spy that describe in conjunction with the embodiments
Property may be embodied at least one embodiment of the present invention.There is this phrase in each position in the description
Identical embodiment might not be each meant, be not the independent or alternative reality with other embodiments mutual exclusion
Execute example.Those skilled in the art explicitly and are implicitly understood by, and embodiment described herein can be with
Other embodiments combines.
Terminal in the embodiment of the present invention can include possessing the smart mobile phone of NFC function, panel computer, the palm
Computer, notebook computer, mobile internet device (Mobile Internet Devices, MID) or wearing
Formula equipment etc., above-mentioned terminal is only citing, and non exhaustive, including but not limited to above-mentioned terminal.
Refer to Fig. 1, for the first embodiment flow process signal of a kind of method of payment that the embodiment of the present invention provides
Figure.Method of payment described in the present embodiment, comprises the following steps:
101, terminal is when near Cash collecting equipment, receives the payment request that described Cash collecting equipment sends.
Wherein, this terminal can be provided with one or more application possessing payment function, such as, pay
Treasured, wechat, QQ, Unionpay's wallet, Jingdone district wallet, Baidu's wallet, the wing pay, etc..
Wherein, this Cash collecting equipment is likewise supplied with NFC function, such as, can be that businessman is when the sale of gathering
Point intelligence channel (Point Of Sale, POS).
Concrete, near this Cash collecting equipment, (such as the two distance is 10 after opening NFC function for this terminal
Within centimetre cm), to set up NFC communication with this Cash collecting equipment and be connected, this Cash collecting equipment is led to by this NFC
Letter connects to send to pay to this terminal asks, and this payment request carries payment, it is also possible to carry business
Family information, order summary etc..
102, pay request described in described terminal response and open the payment interface of intended application, described payment interface
The payment that request is carried is paid including described.
Wherein, the user of this terminal can use habit based on oneself or currently whether have preferential activity etc.
Factor, selects an application as the acquiescence paid for NFC from the application possessing payment function installed
Application, the application that this user selects is defined as intended application by this terminal, and by this intended application and this terminal
NFC payment function binding, when this terminal follow-up is paid by NFC mode acquiescence use this intended application
Carry out.
It is understood that the user of this terminal can change this intended application, this most current target should
With for application a, due to factors such as the change of user's use habit or preferential activities, this terminal can according to
The operation at family selects application b for Replacing a, and b will be applied to be defined as this new intended application.
Concrete, after this terminal receives this payment request, can directly open the payment of this intended application
What interface, such as Alipay or wechat etc. were applied is used for pointing out user the payment interface of input validation information,
At least should include payment, it is also possible to include merchant information and order summary etc. in this payment interface simultaneously,
Eliminate at present generally to need first to experience and open application, then scan the steps such as Quick Response Code and just can open the payment page,
Even also need to be manually entered the tedious steps of payment at the payment page.
In the embodiment that some are feasible, if this terminal is before this Cash collecting equipment close, this terminal
Screen is in OFF state, then this terminal is when near this Cash collecting equipment, receives what this Cash collecting equipment sent
After paying request, directly this screen can be lighted, and open the payment page of this intended application, thus
Eliminate the tedious steps of user elder generation manual station bright screen curtain.
Further, if this terminal is provided with unlocking pin (such as pattern password, numerical ciphers, fingerprint image
As etc.), even if then the screen of this terminal is in OFF state, or the screen of this terminal is in bright screen and screen locking
State, this terminal, after receiving this payment request, still directly can be opened in the case of not unlocking
The payment page of this intended application, thus eliminate user light, a series of tedious steps such as unblock.
103, described terminal obtains the checking information that user inputs for described payment interface, and in described checking
Information completes to pay with when presetting checking information matches.
Wherein, this checking information specifically can include that fingerprint image, iris image, facial image, audio frequency are believed
Number and payment cipher in one or more, i.e. this user can by input therein any one checking letter
The combination of breath or multiple checking information pays.
Concrete, this user is at information errorless rear input validation letters such as the payments confirmed in this payment interface
Breath, this terminal local can judge whether this checking information mates with default checking information, or this terminal will
This checking information is sent to the server that this intended application is corresponding, this server judge that this checking information is with pre-
If whether checking information mates, if this server receive this terminal send for indicating this checking information
When presetting the notice of checking information matches with this, or this server determines that this checking information presets checking with this
During information matches, this server can complete, with the transaction interface that bank provides, actions such as withholing and remit money alternately,
Thus complete this and pay.
In the embodiment that some are feasible, after having paid, the screen of this terminal can be returned in this terminal
State before this Cash collecting equipment, such as OFF state, or bright screen and screen lock state.
In the embodiment of the present invention, terminal is close Cash collecting equipment after opening NFC function, receives this Cash collecting equipment and sends out
The payment request sent, and respond this payment request and open the payment interface of the intended application bound in advance；User
In errorless rear input validation information of information such as the payments confirmed in this payment interface, in this terminal or should
The server of intended application determines this checking information and can complete this payment when presetting checking information matches,
By NFC technique is combined with the conventional application that can be used for paying, on the one hand can give full play to
The advantage of NFC technique, quickly opens payment interface, and the preparation before i.e. paying greatly reduces；The opposing party
Face needs user's input validation information to carry out verifying just to complete to pay, and can be substantially reduced the risk of stolen brush
(the most current small amount exempts from close payment)；Another aspect permission user specifies the most flexibly and is used for
The default application that NFC pays, can meet and pay the individual demand that application selects, such that it is able to quickly
Complete to pay, it is ensured that safety of payment, and improve the flexibility ratio of payment.
Refer to Fig. 2, for the second embodiment flow process signal of a kind of method of payment that the embodiment of the present invention provides
Figure.Method of payment described in the present embodiment, comprises the following steps:
201, terminal is when near Cash collecting equipment, receives the payment request that described Cash collecting equipment sends.
Wherein, this terminal can be provided with one or more application possessing payment function, such as, pay
Treasured, wechat, QQ, Unionpay's wallet, Jingdone district wallet, Baidu's wallet, the wing pay, etc..
Wherein, this Cash collecting equipment is likewise supplied with NFC function, such as, can be that businessman is when the sale of gathering
Point intelligence channel (Point Of Sale, POS).
Concrete, near this Cash collecting equipment, (such as the two distance is 10 after opening NFC function for this terminal
Within centimetre cm), to set up NFC communication with this Cash collecting equipment and be connected, this Cash collecting equipment is led to by this NFC
Letter connects to send to pay to this terminal asks, and this payment request carries payment, it is also possible to carry business
Family information, order summary etc..
202, the number of the application possessing payment function in terminal described in acquisition request is paid described in described terminal response
Amount.
Concrete, this terminal, after receiving this payment request, resolves mounted application, and determines
Possesses application and the quantity of payment function.
If 203 described quantity are one, the described application possessing payment function is defined as mesh by the most described terminal
Mark application, and open the payment interface of described intended application.
If 204 described quantity are multiple, described in the output of the most described terminal, possesses the application of the application of payment function
Logo collection, determines the intended application that application identities that user selects from described application identities set is corresponding,
And open the payment interface of described intended application.
Concrete, if possessing the application only one of which of payment function in this terminal, then this terminal can be direct
This is possessed the application of payment function as intended application, the i.e. default application that NFC pays, and open this mesh
The payment interface that mark application is corresponding.
Or, if the application possessing payment function in this terminal has multiple, then this terminal can export and possess
The application identities set of the application of payment function, this application identities set can include possessing answering of payment function
Application icon and/or Apply Names, specifically can show with the form such as list, suspended bubble, this terminal
User can use habit based on oneself or currently whether have the factors such as preferential activity from application identities collection
Selecting an application identities in conjunction, application corresponding to application identities that this user can be selected by this terminal determines
For intended application, paying for this NFC, and then open the payment interface that this intended application is corresponding, this is eventually
End, every time when carrying out NFC and paying, can show the application possessing payment function of installation, and profit to user
The application selected with user carries out NFC payment, i.e. can carry out NFC payment every time and all carry out intended application
Select, bigger motility during to provide intended application to select.
205, described terminal obtains the checking information that user inputs for described payment interface, and in described checking
Information completes to pay with when presetting checking information matches.
Wherein, this checking information specifically can include that fingerprint image, iris image, facial image, audio frequency are believed
Number and payment cipher in one or more, i.e. this user can by input therein any one checking letter
The combination of breath or multiple checking information pays.
Concrete, this user is at information errorless rear input validation letters such as the payments confirmed in this payment interface
Breath, this terminal local can judge whether this checking information mates with default checking information, or this terminal will
This checking information is sent to the server that this intended application is corresponding, this server judge that this checking information is with pre-
If whether checking information mates, if this server receive this terminal send for indicating this checking information
When presetting the notice of checking information matches with this, or this server determines that this checking information presets checking with this
During information matches, this server can complete, with the transaction interface that bank provides, actions such as withholing and remit money alternately,
Thus complete this and pay.
In the embodiment of the present invention, terminal is close Cash collecting equipment after opening NFC function, receives this Cash collecting equipment and sends out
The payment request sent, and respond the quantity that this payment acquisition request possesses the application of payment function, if quantity
Only one of which, then be directly defined as intended application by this application possessing payment function；If quantity has multiple,
Then show user to select this application possessing payment function, the application that this user selects is defined as
This intended application；This terminal opens the payment interface of this intended application；User is confirming in this payment interface
The errorless rear input validation information of the information such as payment, the server in this terminal or this intended application determines
This checking information with can complete this when presetting checking information matches and pay, by by NFC technique with conventional
The application that can be used for paying be combined, on the one hand can give full play to the advantage of NFC technique, quickly beat
Opening payment interface, the preparation before i.e. paying greatly reduces；On the other hand user's input validation information is needed
Carrying out verifying and just can complete to pay, (the most current small amount is exempted from close can be substantially reduced the risk of stolen brush
Pay)；Another aspect carries out NFC payment every time and all allows user to specify the most flexibly for propping up
The application paid, it is possible to achieve pay the maximum flexibility ratio that application selects, such that it is able to be rapidly completed payment,
Guarantee payment safety, and improve the flexibility ratio of payment.
Refer to Fig. 3, for the first embodiment structural representation of a kind of terminal that the embodiment of the present invention provides.This
Terminal described in embodiment, including:
Receive unit 301, for described terminal near Cash collecting equipment time, receive described Cash collecting equipment send
Pay request.
Concrete, near this Cash collecting equipment, (such as the two distance is 10 after opening NFC function for this terminal
Within centimetre cm), set up NFC communication with this Cash collecting equipment and be connected, receive unit 301 and receive this gathering and set
The standby payment request being connected transmission by this NFC communication, this payment request carries payment, it is also possible to
Carry merchant information, order summary etc..
Processing unit 302, for responding the described payment interface paying and asking to open intended application, described payment
Interface includes the described payment paying and asking to carry.
Wherein, the user of this terminal can use habit based on oneself or currently whether have preferential activity etc.
Factor, selects an application as the acquiescence paid for NFC from the application possessing payment function installed
Application, the application that this user selects is defined as intended application by this terminal, and by this intended application and this terminal
NFC payment function binding, when this terminal follow-up is paid by NFC mode acquiescence use this intended application
Carry out.
Concrete, after receiving unit 301 and receiving this payment request, processing unit 302 can be direct
Opening the payment interface of this intended application, being used for of the such as application such as Alipay or wechat points out user to input
The payment interface of checking information, this payment interface at least should include payment, it is also possible to include business simultaneously
Family information and order summary etc., eliminate generally to need first to experience at present and open application, then scan Quick Response Code
Just can open the payment page etc. step, even also need to be manually entered at the payment page the loaded down with trivial details step of payment
Suddenly.
First acquiring unit 303, for obtaining the checking information that user inputs for described payment interface.
Payment unit 304, for completing to pay with when presetting checking information matches in described checking information.
It should be noted that the terminal described by the present embodiment is to present with the form of functional unit.Here institute
The term " unit " used should be understood to the widest implication, is used for realizing each " unit " institute
The object of representation function can be such as integrated circuit ASIC, single circuit, is used for performing one or more soft
The processor (shared, special or chipset) of part or firmware program and memorizer, combinational logic circuit,
And/or other the suitable assemblies realizing above-mentioned functions are provided.
In the embodiment of the present invention, terminal is close Cash collecting equipment after opening NFC function, receives this Cash collecting equipment and sends out
The payment request sent, and respond this payment request and open the payment interface of the intended application bound in advance；User
In errorless rear input validation information of information such as the payments confirmed in this payment interface, in this terminal or should
The server of intended application determines this checking information and can complete this payment when presetting checking information matches,
By NFC technique is combined with the conventional application that can be used for paying, on the one hand can give full play to
The advantage of NFC technique, quickly opens payment interface, and the preparation before i.e. paying greatly reduces；The opposing party
Face needs user's input validation information to carry out verifying just to complete to pay, and can be substantially reduced the risk of stolen brush
(the most current small amount exempts from close payment)；Another aspect permission user specifies the most flexibly and is used for
The default application that NFC pays, can meet and pay the individual demand that application selects, such that it is able to quickly
Complete to pay, it is ensured that safety of payment, and improve the flexibility ratio of payment.
Refer to Fig. 4, for the second example structure schematic diagram of a kind of terminal that the embodiment of the present invention provides.This
Terminal described in embodiment, including:
Receive unit 401, for described terminal near Cash collecting equipment time, receive described Cash collecting equipment send
Pay request.
Processing unit 402, for responding the described payment interface paying and asking to open intended application, described payment
Interface includes the described payment paying and asking to carry.
Wherein, described processing unit 402 specifically may include that
Second acquisition unit 4020, is used for responding in terminal described in described payment acquisition request and possesses payment function
The quantity of application.
Start unit 4021, for when described quantity is one, by true for the described application possessing payment function
It is set to intended application, and opens the payment interface of described intended application.
Output unit 4022, for when described quantity is multiple, possesses the application of payment function described in output
Application identities set.
Wherein, described start unit 4021, it is additionally operable to determine what user selected from described application identities set
The intended application that application identities is corresponding, and open the payment interface of described intended application.
Concrete, after receiving unit 401 and receiving this payment request, second acquisition unit 4020 resolves
Mounted application, and determine application and the quantity possessing payment function.
Concrete, if possessing the application only one of which of payment function in this terminal, then start unit 4021 can
Directly this is possessed the application of payment function as intended application, the i.e. default application that NFC pays, and beat
Open the payment interface that this intended application is corresponding.
Or, if the application possessing payment function in this terminal has multiple, then output unit 4022 can be defeated
Providing the application identities set of the application of standby payment function, this application identities set can include possessing payment merit
The application icon of the application of energy and/or Apply Names, specifically can show with the form such as list, suspended bubble,
The user of this terminal can use habit based on oneself or currently whether have the factors such as preferential activity from application
Logo collection selects an application identities, the application identities pair that this user can be selected by start unit 4021
The application answered is defined as intended application, pays for this NFC, and then opens corresponding the propping up of this intended application
Paying interface, this terminal, every time when carrying out NFC and paying, can possess payment function to what user showed installation
Application, and the application utilizing user to select carries out NFC payment, i.e. can carry out NFC every time and pay all to enter
The selection of row intended application, bigger motility during to provide intended application to select.
First acquiring unit 403, for obtaining the checking information that user inputs for described payment interface.
Payment unit 404, for completing to pay with when presetting checking information matches in described checking information.
In the embodiment that some are feasible, described terminal also includes:
Screen control unit 405, if the screen for described terminal is in OFF state, at described reception unit
401 described terminal near Cash collecting equipment time, receive described Cash collecting equipment send payment request after, by institute
State screen to light.
In the embodiment that some are feasible, if this terminal is before this Cash collecting equipment close, this terminal
Screen is in OFF state, then this terminal is when near this Cash collecting equipment, receives unit 401 and receives this receipts
After the payment request that money equipment sends, this screen can directly be lighted by screen control unit 405, thus
Eliminate the tedious steps of user elder generation manual station bright screen curtain.
Further, if this terminal is provided with unlocking pin (such as pattern password, numerical ciphers, fingerprint image
As etc.), even if then the screen of this terminal is in OFF state, or the screen of this terminal is in bright screen and screen locking
State, after receiving unit 401 and receiving this payment request, start unit 4021 still can not understood
Directly open the payment page of this intended application in the case of lock, thus eliminate user light, unblock etc.
The tedious steps of series.
It should be noted that the terminal described by the present embodiment is to present with the form of functional unit.Here institute
The term " unit " used should be understood to the widest implication, is used for realizing each " unit " institute
The object of representation function can be such as integrated circuit ASIC, single circuit, is used for performing one or more soft
The processor (shared, special or chipset) of part or firmware program and memorizer, combinational logic circuit,
And/or other the suitable assemblies realizing above-mentioned functions are provided.
In the embodiment of the present invention, terminal is close Cash collecting equipment after opening NFC function, receives this Cash collecting equipment and sends out
The payment request sent, and respond the quantity that this payment acquisition request possesses the application of payment function, if quantity
Only one of which, then be directly defined as intended application by this application possessing payment function；If quantity has multiple,
Then show user to select this application possessing payment function, the application that this user selects is defined as
This intended application；This terminal opens the payment interface of this intended application；User is confirming in this payment interface
The errorless rear input validation information of the information such as payment, the server in this terminal or this intended application determines
This checking information with can complete this when presetting checking information matches and pay, by by NFC technique with conventional
The application that can be used for paying be combined, on the one hand can give full play to the advantage of NFC technique, quickly beat
Opening payment interface, the preparation before i.e. paying greatly reduces；On the other hand user's input validation information is needed
Carrying out verifying and just can complete to pay, (the most current small amount is exempted from close can be substantially reduced the risk of stolen brush
Pay)；Another aspect carries out NFC payment every time and all allows user to specify the most flexibly for propping up
The application paid, it is possible to achieve pay the maximum flexibility ratio that application selects, such that it is able to be rapidly completed payment,
Guarantee payment safety, and improve the flexibility ratio of payment.
Refer to Fig. 5, for the 3rd example structure schematic diagram of a kind of terminal that the embodiment of the present invention provides.This
Terminal described in embodiment, including: at least one input equipment 501；At least one outut device 502；
At least one processor 503, such as CPU；With memorizer 504, above-mentioned input equipment 501, outut device
502, processor 503 and memorizer 504 are connected by bus 505.
Wherein, above-mentioned input equipment 501 can include NFC module, for carrying out NFC with Cash collecting equipment
Communication, receives the payment request that Cash collecting equipment sends；Above-mentioned input equipment 501 can also include touch screen,
One or more in fingerprint recognition module, photographic head and mike etc., for obtain input payment cipher,
The checking information such as fingerprint image, iris image, facial image or audio signal.
Above-mentioned outut device 502 can be display screen, is used for exporting the payment page and application identities (such as should
With icon etc.).Wherein, display screen also can be integrated on touch screen, i.e. touch screen can collect touch-control and display function
In one.
Above-mentioned memorizer 504 can be high-speed RAM memorizer, it is possible to for non-labile memorizer
(non-volatile memory), such as disk memory.Above-mentioned memorizer 504 is used for storing batch processing generation
Code, above-mentioned input equipment 501, outut device 502 and processor 503 are used for calling in memorizer 504 storage
Program code, perform following operation:
Above-mentioned input equipment 501, for terminal near Cash collecting equipment time, receive described Cash collecting equipment send
Pay request.
Above-mentioned processor 503, for responding the described payment interface paying and asking to open intended application, described
Pay interface and include the described payment paying and asking to carry.
Above-mentioned outut device 502, is used for exporting described payment interface.
Above-mentioned input equipment 501, is additionally operable to obtain the checking information that user inputs for described payment interface.
Above-mentioned processor 503, is additionally operable to complete to pay with when presetting checking information matches in described checking information.
In the embodiment that some are feasible, above-mentioned processor 503 respond described payment request open target should
The concrete mode of payment interface be:
Respond the intended application that described payment acquisition request is bound in advance, and open the payment of described intended application
Interface.
In the embodiment that some are feasible, above-mentioned processor 503 respond described payment request open target should
The concrete mode of payment interface be:
Respond the quantity of the application possessing payment function in terminal described in described payment acquisition request.
If described quantity is one, then the described application possessing payment function is defined as intended application, and beats
Open the payment interface of described intended application.
If described quantity is multiple, described in the output of the most described terminal, possesses the application identities of the application of payment function
Set, determines the intended application that application identities that user selects from described application identities set is corresponding, and beats
Open the payment interface of described intended application.
In the embodiment that some are feasible, above-mentioned processor 503, if the screen being additionally operable to described terminal is in
OFF state, above-mentioned input equipment 501 described terminal near Cash collecting equipment time, receive described gathering and set
After the payment request that preparation is sent, described screen is lighted.
In the embodiment that some are feasible, described checking information includes fingerprint image, iris image, face
One or more in image, audio signal and payment cipher.
Input equipment 501, outut device 502 and process in implementing, described in the embodiment of the present invention
Device 503 can perform in first embodiment and second embodiment of a kind of method of payment that the embodiment of the present invention provides
Described implementation, it is possible to perform the first embodiment and the of a kind of terminal that the embodiment of the present invention provides
The implementation of the terminal described in two embodiments, does not repeats them here.
In the embodiment of the present invention, terminal is close Cash collecting equipment after opening NFC function, receives this Cash collecting equipment and sends out
The payment request sent, and respond this payment request and open the payment interface of the intended application bound in advance；User
In errorless rear input validation information of information such as the payments confirmed in this payment interface, in this terminal or should
The server of intended application determines this checking information and can complete this payment when presetting checking information matches,
By NFC technique is combined with the conventional application that can be used for paying, on the one hand can give full play to
The advantage of NFC technique, quickly opens payment interface, and the preparation before i.e. paying greatly reduces；The opposing party
Face needs user's input validation information to carry out verifying just to complete to pay, and can be substantially reduced the risk of stolen brush
(the most current small amount exempts from close payment)；Another aspect permission user specifies the most flexibly and is used for
The default application that NFC pays, can meet and pay the individual demand that application selects, such that it is able to quickly
Complete to pay, it is ensured that safety of payment, and improve the flexibility ratio of payment.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, in certain embodiment the most in detail
The part stated, may refer to the associated description of other embodiments.
It should be noted that for aforesaid each method embodiment, in order to be briefly described, therefore it is all stated
For a series of combination of actions, but those skilled in the art should know, the present invention is not by described
The restriction of sequence of movement, because according to the present invention, some step may can use other orders or simultaneously
Carry out.Secondly, those skilled in the art also should know, embodiment described in this description belongs to excellent
Select embodiment, necessary to involved action and the module not necessarily present invention.
In several embodiments provided herein, it should be understood that disclosed device, can be passed through it
Its mode realizes.Such as, device embodiment described above is only schematically, the most above-mentioned list
The division of unit, is only a kind of logic function and divides, and actual can have other dividing mode, example when realizing
As multiple unit or assembly can in conjunction with or be desirably integrated into another system, or some features can be ignored,
Or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can
To be the INDIRECT COUPLING by some interfaces, device or unit or communication connection, can be electrical or other
Form.
The above-mentioned unit illustrated as separating component can be or may not be physically separate, as
The parts that unit shows can be or may not be physical location, i.e. may be located at a place, or
Can also be distributed on multiple NE.Can select therein some or all of according to the actual needs
Unit realizes the purpose of the present embodiment scheme.
It addition, each functional unit in various embodiments of the present invention can be integrated in a processing unit, also
Can be that unit is individually physically present, it is also possible to two or more unit are integrated in a unit.
Above-mentioned integrated unit both can realize to use the form of hardware, it would however also be possible to employ the form of SFU software functional unit
Realize.
If above-mentioned integrated unit realizes using the form of SFU software functional unit and as independent production marketing or
During use, can be stored in a computer read/write memory medium.Based on such understanding, the present invention
The part that the most in other words prior art contributed of technical scheme or this technical scheme whole or
Part can embody with the form of software product, and this computer software product is stored in a storage medium
In, including some instructions with so that computer equipment (can be personal computer, server or
The network equipments etc., can be specifically the processors in computer equipment) perform each embodiment of the present invention above-mentioned
All or part of step of method.Wherein, and aforesaid storage medium comprise the steps that USB flash disk, portable hard drive,
Magnetic disc, CD, read only memory (English: Read-Only Memory, ROM) or random abbreviation:
Access memorizer (English: Random Access Memory, abbreviation: RAM) etc. various can store journey
The medium of sequence code.
The above, above example only in order to technical scheme to be described, is not intended to limit；To the greatest extent
The present invention has been described in detail by pipe with reference to previous embodiment, and those of ordinary skill in the art should manage
Solve: the technical scheme described in foregoing embodiments still can be modified by it, or to wherein part
Technical characteristic carries out equivalent；And these amendments or replacement, do not make the essence of appropriate technical solution take off
Spirit and scope from various embodiments of the present invention technical scheme.
Claims (13)
1. a method of payment, it is characterised in that including:
Terminal, when near Cash collecting equipment, receives the payment request that described Cash collecting equipment sends；
The payment interface of intended application is opened in the request that pays described in described terminal response, and described payment interface includes
The payment that described payment request is carried；
Described terminal obtains the checking information that user inputs for described payment interface, and in described checking information
Complete during with default checking information matches to pay.
Method the most according to claim 1, it is characterised in that pay request described in described terminal response
Open the payment interface of intended application, including:
Pay the intended application bound in advance of acquisition request described in described terminal response, and open described target should
Payment interface.
Method the most according to claim 1, it is characterised in that pay request described in described terminal response
Open the payment interface of intended application, including:
The quantity of the application possessing payment function in terminal described in acquisition request is paid described in described terminal response；
If described quantity is one, the described application possessing payment function is defined as target by the most described terminal should
With, and open the payment interface of described intended application.
Method the most according to claim 3, it is characterised in that described method also includes:
If described quantity is multiple, described in the output of the most described terminal, possesses the application identities of the application of payment function
Set；
Described terminal determines that target corresponding to application identities that user selects from described application identities set should
With, and open the payment interface of described intended application.
5. according to the method according to any one of Claims 1 to 4, it is characterised in that if the screen of described terminal
Curtain is in OFF state, and the most described terminal, when near Cash collecting equipment, receives propping up of described Cash collecting equipment transmission
After paying request, described method also includes:
Described screen is lighted by described terminal.
6. according to the method according to any one of Claims 1 to 5, it is characterised in that
Described checking information includes fingerprint image, iris image, facial image, audio signal and payment cipher
In one or more.
7. a terminal, it is characterised in that including:
Receive unit, for described terminal near Cash collecting equipment time, receive described Cash collecting equipment send
Pay request；
Processing unit, for responding the described payment interface paying and asking to open intended application, described payment circle
Face includes the described payment paying and asking to carry；
First acquiring unit, for obtaining the checking information that user inputs for described payment interface；
Payment unit, for completing to pay with when presetting checking information matches in described checking information.
Terminal the most according to claim 7, it is characterised in that described processing unit responds described payment
The concrete mode of the payment interface that intended application is opened in request is:
Respond the intended application that described payment acquisition request is bound in advance, and open the payment of described intended application
Interface.
Terminal the most according to claim 7, it is characterised in that described processing unit includes:
Second acquisition unit, possesses answering of payment function for responding in terminal described in described payment acquisition request
Quantity；
Start unit, for when described quantity is one, is defined as the described application possessing payment function
Intended application, and open the payment interface of described intended application.
Terminal the most according to claim 9, it is characterised in that described processing unit also includes:
Output unit, for when described quantity is multiple, possess described in output payment function application should
Use logo collection；
Wherein, described start unit, it is additionally operable to determine the application that user selects from described application identities set
The intended application that mark is corresponding, and open the payment interface of described intended application.
11. according to the terminal according to any one of claim 7～10, it is characterised in that described terminal is also wrapped
Include:
Screen control unit, if the screen for described terminal is in OFF state, exists at described reception unit
Described terminal is when Cash collecting equipment, after receiving the payment request that described Cash collecting equipment sends, by described screen
Curtain is lighted.
12. according to the terminal according to any one of claim 7～11, it is characterised in that
Described checking information includes fingerprint image, iris image, facial image, audio signal and payment cipher
In one or more.
13. 1 kinds of terminals, it is characterised in that including:
Input equipment, outut device, processor, memorizer and bus, described input equipment, described output
Equipment, described processor and described memorizer are connected by described bus and complete mutual communicating；
Described memorizer storage has executable program code, described input equipment to be used for receiving payment request, with
And obtaining checking information, described outut device is used for exporting payment interface and application identities；
Described processor, for calling the described executable program code in described memorizer, performs right such as and wants
Seek the method according to any one of 1～6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610317776.5A CN106022762A (en) | 2016-05-13 | 2016-05-13 | Payment method and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610317776.5A CN106022762A (en) | 2016-05-13 | 2016-05-13 | Payment method and terminal |
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| Publication Number | Publication Date |
|---|---|
| CN106022762A true CN106022762A (en) | 2016-10-12 |
Family
ID=57100466
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610317776.5A Pending CN106022762A (en) | 2016-05-13 | 2016-05-13 | Payment method and terminal |
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| CN113643020A (en) * | 2018-01-05 | 2021-11-12 | 华为终端有限公司 | Electronic transaction method and terminal |
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| CN108764914A (en) * | 2018-04-24 | 2018-11-06 | Oppo广东移动通信有限公司 | Method of payment, device, mobile terminal and storage medium |
| CN110599154A (en) * | 2018-06-12 | 2019-12-20 | 阿里巴巴集团控股有限公司 | Information processing method, device and system |
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| CN113706156A (en) * | 2018-08-01 | 2021-11-26 | 创新先进技术有限公司 | Consumption data processing method and device |
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