CN106096943B - Method of payment, deduct fees device and terminal based on NFC - Google Patents
Method of payment, deduct fees device and terminal based on NFC Download PDFInfo
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- CN106096943B CN106096943B CN201610383729.0A CN201610383729A CN106096943B CN 106096943 B CN106096943 B CN 106096943B CN 201610383729 A CN201610383729 A CN 201610383729A CN 106096943 B CN106096943 B CN 106096943B
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- user terminal
- account
- fees
- deducting fees
- terminal
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- 238000012011 method of payment Methods 0.000 title claims abstract description 10
- 238000000034 method Methods 0.000 claims abstract description 40
- 230000004044 response Effects 0.000 claims description 20
- 230000005540 biological transmission Effects 0.000 claims description 6
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 2
- 239000010931 gold Substances 0.000 claims description 2
- 229910052737 gold Inorganic materials 0.000 claims description 2
- 238000010586 diagram Methods 0.000 description 16
- 230000006870 function Effects 0.000 description 7
- 230000009286 beneficial effect Effects 0.000 description 6
- 238000013475 authorization Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 2
- 230000002411 adverse Effects 0.000 description 1
- 239000000945 filler Substances 0.000 description 1
- 239000000446 fuel Substances 0.000 description 1
- 230000000737 periodic effect Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
Classifications
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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
- G06Q20/3278—RFID or NFC 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
Abstract
The embodiment of the present invention provides a kind of method of payment based on NFC, deduct fees device and terminal, wherein connect this method comprises: establishing NFC with user terminal, and receives the M sequence that the user terminal is randomly assigned；Open and service simultaneously accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu user terminal sends the request of deducting fees for carrying the M sequence, so that the user terminal is according to M sequence progress authentication；If the user terminal is verified, then according to the account with power of attorney of user terminal return and corresponding account password, it deducts fees, wherein the account with power of attorney and the account password are just received and stored in memory space before service is opened for the user terminal.Method of payment provided in an embodiment of the present invention, deduct fees device and terminal simplify NFC payment in real time billing and pay the operation under scene, improve the payment experience of user.
Description
Technical field
The present embodiments relate to payment technology field more particularly to a kind of method of payment based on NFC, deduct fees device and
Terminal.
Background technique
With NFC function application at the terminal and universal, the means of payment based on NFC function is greatly developed.
All it is that quota is paid currently based on the payment of terminal NFC function, charging mode, is that user uses after confirming price
The payment that the terminal of NFC function carries out is carried, and works as the phone for being in such as Minute and taking, by the water receiving of water flow charging
When the scene that device, the automobile fuel filler charged by flow etc. need real time billing to pay, user generally requires brush NFC terminal many times
Or delivery operation could be completed after multiple input password, cumbersome and inconvenient, the payment experience of user is poor.
Summary of the invention
The embodiment of the present invention provides a kind of method of payment based on NFC, deduct fees device and terminal, to simplify NFC payment
The operation under scene is paid in real time billing, improves the payment experience of user.
First aspect of the embodiment of the present invention provides a kind of method of payment based on NFC, this method comprises:
NFC is established with user terminal to connect, and receives the M sequence that the user terminal is randomly assigned；
Open and service simultaneously accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu user terminal
The request of deducting fees for carrying the M sequence is sent, so that the user terminal carries out authentication according to the M sequence；
If the user terminal is verified, the account with power of attorney and corresponding account returned according to the user terminal is close
Code, deducts fees, wherein the account with power of attorney and the account password are that the user terminal just receives before service is opened
And it is stored in memory space.
Second aspect of the embodiment of the present invention provides a kind of method of payment based on NFC, this method comprises:
NFC is established with device of deducting fees to connect, and sends the M sequence generated at random to the device of deducting fees；
Deduct fees described in reception device accumulative charging reach it is preset deduct fees the amount of money when transmitted request of deducting fees, wherein
The request of deducting fees carries the M sequence；
It is verified according to identity of the M sequence to the device of deducting fees；
If being verified, the account with power of attorney being locally stored and corresponding account password are returned into the device of deducting fees,
So that the device of deducting fees is deducted fees according to the account with power of attorney and the account password, wherein the account with power of attorney and institute
Account password is stated, is received and stored in local storage space before service is opened.
The third aspect of the embodiment of the present invention provides one kind and deducts fees device, the device, comprising:
First NFC module is connect for establishing NFC with user terminal, and receives the M sequence that the user terminal is randomly assigned
Column；
Service charging module, for the service of opening and accumulative charging, when the accumulative charging reaches the preset amount of money of deducting fees
When, Xiang Suoshu user terminal sends the request of deducting fees for carrying the M sequence, so that the user terminal is according to the M sequence
Carry out authentication；
It deducts fees module, the account with power of attorney for being returned according to the user terminal when the user terminal is verified
It with corresponding account password, deducts fees, wherein the account with power of attorney and the account password are taking for the user terminal
Business is just received and stored in memory space before opening.
Fourth aspect of the embodiment of the present invention provides a kind of terminal, the terminal, comprising:
Generation module, for generating M sequence at random；
4th NFC module is connect for establishing NFC with device of deducting fees, and sends the M generated at random to the device of deducting fees
Sequence；
5th NFC module, for receive it is described deduct fees device accumulative charging arrival it is preset deduct fees the amount of money when it is transmitted
Request of deducting fees, wherein the request of deducting fees carries the M sequence；
Authentication module, for being verified according to identity of the M sequence to the device of deducting fees；
4th NFC module, is also used to, when being verified, by the account with power of attorney being locally stored and corresponding account
Password returns to the device of deducting fees, so that the device of deducting fees is detained according to the account with power of attorney and the account password
Take, wherein the account with power of attorney and the account password are received and stored in local storage space before service is opened
's.
In the embodiment of the present invention, by accumulative billing amount reach it is preset deduct fees the amount of money when, user terminal is preparatory
The non-M sequence matched is carried is sent to user terminal progress authentication in request of deducting fees, and after being verified, according to user
The user that terminal returns buckles before service starts with regard to the account with power of attorney and password for authorizing and storing in advance in the user terminal
Take, so that real time billing payment can be completed without repeatedly input password in user, simplifies NFC payment in real time billing and pay field
Operation under scape improves the payment experience of user.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention without any creative labor, may be used also for those of ordinary skill in the art
To obtain other drawings based on these drawings.
Fig. 1 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention one provides；
Fig. 2 is the flow diagram of the method for payment provided by Embodiment 2 of the present invention based on NFC；
Fig. 3 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention three provides；
Fig. 4 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention four provides；
Fig. 5 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention five provides；
Fig. 6 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention six provides；
Fig. 7 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention seven provides；
Fig. 8 is the structural schematic diagram for the terminal that the embodiment of the present invention eight provides.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The term " includes " of description and claims of this specification and " having " and their any deformation, it is intended that
Be to cover it is non-exclusive include, for example, the device of the process or structure that contain series of steps is not necessarily limited to clearly arrange
Those of out structure or step but may include other steps being not clearly listed or intrinsic for these processes or device
Rapid or structure.
Fig. 1 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention one provides, wherein this method can
It is executed with deducting fees device by one.As shown in Figure 1, the method steps are as follows:
Step S101, NFC is established with user terminal to connect, and receive the M sequence that the user terminal is randomly assigned.
In the present embodiment, user terminal, which can be mobile phone, tablet computer etc. and carry the intelligence of NFC payment function, to be set
It is standby.The smart machine is suitable for periodic metering, the scene for needing real time billing to pay such as charge by flow, when user passes through
When the NFC payment function of terminal device is paid, it is necessary first to by terminal device close to device and the device foundation of deducting fees of deducting fees
NFC connection.In the present embodiment, the method for NFC connection is established between user terminal and device of deducting fees similarly to the prior art, at this
In repeat no more.
Further, in the present embodiment, M sequence is that user terminal generates at random after establishing connection with device of deducting fees.
The sequence is sent to the device of deducting fees established a connection by user terminal while generating M sequence, and the M sequence is stored
In local preset memory space, so as in implementing charging payment process, by the M sequence to the identity of device of deducting fees into
Row verifying.
It should be noted that M sequence is stored in the form of read-only file in the user terminal in the present embodiment
, it can prevent from being tampered due to M sequence in this way, and the safety of payment of user is adversely affected.
Step S102, open and service and accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu
User terminal sends the request of deducting fees for carrying the M sequence, tests so that the user terminal carries out identity according to the M sequence
Card.
In the present embodiment, the service supports the service of NFC payment mode to need to carry out real time billing payment.Example
Such as, which may include the service such as oiling, mobile call.
By taking the service of refueling as an example, under the scene for the service of refueling, device of deducting fees can be to be counted in real time according to volume read-out
The device taken.In this example, device of deducting fees is establishing connection with user terminal, and the M being randomly assigned is obtained from user terminal
After sequence, that is, the service of oiling is opened, by being monitored to volume read-out, and according to the price of preset unit oil mass to volume read-out
Carry out charging, when billing amount reach it is preset deduct fees the amount of money when, sent to user terminal and carry the request of deducting fees of M sequence.
It should be noted that the above-mentioned preset amount of money of deducting fees can specifically be set according to specific needs, in the present embodiment without limitation.Example
As in this example, the preset amount of money of deducting fees can be set as one liter of oily price, when volume read-out reaches one liter i.e. billing amount
Reach it is default deduct fees the amount of money when, device of deducting fees sends request of deducting fees to user terminal.When user terminal receives device of deducting fees
After the request of deducting fees of transmission, the M sequence of the M sequence carried in request of deducting fees and itself storage is subjected to auto-correlation computation, when certainly
The result of related operation is then verified when being 1, otherwise authentication failed.
If step S103, the described user terminal is verified, the account with power of attorney and right that is returned according to the user terminal
The account password answered, deducts fees, wherein the account with power of attorney and the account password are opened for the user terminal in service
It is just received and stored in memory space before opening.
Specifically, account with power of attorney is by user's authorization for carrying out the account of real time billing payment in the present embodiment,
The account can be bank account, be also possible to Alipay, and wealth pays the account of the Third-party payment platforms such as logical.In order to avoid in reality
It plays tricks and repeatedly inputs account and password when taking payment, in the present embodiment, preferably by being prompted to user's transmission before service is opened
The mode of window prompts user in the user terminal, to send the account of authorization and password storage to user terminal when deducting fees device
It deducts fees request, and after the authentication to device of deducting fees passes through, account with power of attorney that user terminal is locally stored and close
Code is sent to device of deducting fees, so that device of deducting fees completes operation of deducting fees according to the account with power of attorney and password.Those skilled in the art
It is understandable to be, in primary service, the process by multiple progressive payment is generally required, in this way by paying a bill in advance to branch
Family is authorized, and combines the mode authenticated to the identity for device of deducting fees that can simplify while guaranteeing payment safe
The operation of payment improves the experience of user.
In the present embodiment, by accumulative billing amount reach it is preset deduct fees the amount of money when, user terminal is random in advance
The non-M sequence matched is carried is sent to user terminal progress authentication in request of deducting fees, and after being verified, according to user
The user that terminal returns buckles before service starts with regard to the account with power of attorney and password for authorizing and storing in advance in the user terminal
Take, so that real time billing payment can be completed without repeatedly input password in user, simplifies NFC payment in real time billing and pay field
Operation under scape improves the payment experience of user.
Fig. 2 is the flow diagram of the method for payment provided by Embodiment 2 of the present invention based on NFC, as shown in Fig. 2, this reality
It applies and includes the following steps: on the basis of example method shown in Fig. 1
Step S201, NFC is established with user terminal to connect, and receive the M sequence that the user terminal is randomly assigned.
Step S202, Xiang Suoshu user terminal sends inquiry into balance request, and more than the account that the user terminal is returned
Volume is compared with the amount of money of deducting fees, and when the account balance deducts fees the amount of money more than or equal to described in, executes step S203-
Otherwise step S204 executes step S205.
Specifically, in the account with power of attorney provided in order to ensure user there is the enough amount of money can be used for paying, it is preferred that
In the present embodiment, also need to send the remaining sum for inquiring account with power of attorney remaining sum to user terminal before providing services to the user
Inquiry request.Preferably, the M sequence being randomly assigned in inquiry into balance request including user terminal.When user terminal receives
After the inquiry into balance request that device of deducting fees is sent, pass through the M sequence of the M sequence carried in requesting inquiry into balance and its own storage
The mode that column carry out auto-correlation computation determines the identity of device of deducting fees, wherein if the result of auto-correlation computation is 1, to deducting fees
Device returns to the balance information of account with power of attorney, and the information for indicating inquiry error is otherwise returned to device of deducting fees.
Step S203, open and service and accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu
User terminal sends the request of deducting fees for carrying the M sequence, tests so that the user terminal carries out identity according to the M sequence
Card.
If step S204, the described user terminal is verified, the account with power of attorney and right that is returned according to the user terminal
The account password answered, deducts fees, wherein the account with power of attorney and the account password are opened for the user terminal in service
It is just received and stored in memory space before opening.
Step S205, Xiang Suoshu user terminal returns to the reminder message for being used for indicating that Sorry, your ticket has not enough value.
In the present embodiment, by accumulative billing amount reach it is preset deduct fees the amount of money when, user terminal is random in advance
The non-M sequence matched is carried is sent to user terminal progress authentication in request of deducting fees, and after being verified, according to user
The user that terminal returns buckles before service starts with regard to the account with power of attorney and password for authorizing and storing in advance in the user terminal
Take, so that real time billing payment can be completed without repeatedly input password in user, simplifies NFC payment in real time billing and pay field
Operation under scape improves the payment experience of user.
Fig. 3 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention three provides, as shown in figure 3, this reality
Apply example offer method embodiment shown in Fig. 2 on the basis of the following steps are included:
Step S301, NFC is established with user terminal to connect, and receive the M sequence that the user terminal is randomly assigned.
Step S302, the common paid place information of the user terminal is obtained from the server of network side, if current branch
The common paid place that ground is the user terminal is paid, S303 is thened follow the steps, it is no to then follow the steps S307.
In the present embodiment, the common paid place information of user terminal can be user by the user terminal, or be different from
Another terminal of the user terminal is configured and is stored in the server of network side, and being also possible to each user's use should
When user terminal is paid, device of deducting fees records the paid place of user terminal and is uploaded to network side and stored
's.
Since in a practical situation, there is the risks lost or be stolen for user terminal, in this case, in order to prevent
Lose or stolen terminal is stolen by criminal and brushed, in the present embodiment, device of deducting fees passes through the current place of payment and user is whole
The mode for holding corresponding common paid place information to compare, to determine whether user terminal has the risk of stolen brush, thus really
Protect the safety of payment.
Step S303, Xiang Suoshu user terminal sends inquiry into balance request, and more than the account that the user terminal is returned
Volume is compared with the amount of money of deducting fees, and when the account balance deducts fees the amount of money more than or equal to described in, executes step S304-
Otherwise step S305 executes step S306.
Step S304, open and service and accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu
User terminal sends the request of deducting fees for carrying the M sequence, tests so that the user terminal carries out identity according to the M sequence
Card.
If step S305, the described user terminal is verified, the account with power of attorney and right that is returned according to the user terminal
The account password answered, deducts fees, wherein the account with power of attorney and the account password are opened for the user terminal in service
It is just received and stored in memory space before opening.
Step S306, Xiang Suoshu user terminal returns to the reminder message for being used for indicating that Sorry, your ticket has not enough value.
Step S307, the terminal iidentification for the terminal being correspondingly arranged with the user terminal is obtained from the server, and
Payment abnormity prompt information is sent to the terminal according to the terminal iidentification.
In the present embodiment, the terminal iidentification of the terminal corresponding with user terminal is that user presets and stores
When in the server, for there is the risk of stolen brush in user terminal, by being sent to the corresponding terminal of the terminal iidentification
The mode of reminder message ensures account safety.
Further, after sending payment abnormity prompt message to the corresponding terminal of terminal iidentification, according to the terminal
Response message, to determine the need for continuing operation of withholing, for example, when the response message is the response letter for allowing to pay
Breath, it is determined that Xiang Suoshu user terminal sends inquiry into balance request；When the response message that the response message is refusal to pay, then
Determine that refusal opens the service.
Further, the account safety that user is further ensured that in the present embodiment may be used also after terminating service
To include the steps that deleting M sequence, i.e., after service, user terminal and device of deducting fees are automatically deleted the M sequence respectively stored
Column prevent the stolen brush of user account.
In the present embodiment, by accumulative billing amount reach it is preset deduct fees the amount of money when, user terminal is random in advance
The non-M sequence matched is carried is sent to user terminal progress authentication in request of deducting fees, and after being verified, according to user
The user that terminal returns buckles before service starts with regard to the account with power of attorney and password for authorizing and storing in advance in the user terminal
Take, so that real time billing payment can be completed without repeatedly input password in user, simplifies NFC payment in real time billing and pay field
Operation under scape improves the payment experience of user.
Fig. 4 is the flow diagram for the method for payment based on NFC that the embodiment of the present invention four provides, wherein this method can
It is executed with carrying the terminal of NFC payment function by one, as shown in figure 4, the method steps are as follows:
Step S401, NFC is established with device of deducting fees to connect, and send the M sequence generated at random to the device of deducting fees；
Step S402, deduct fees described in reception device accumulative charging reach it is preset deduct fees the amount of money when transmitted deducting fees ask
It asks, wherein the request of deducting fees carries the M sequence；
Step S403, it is verified according to identity of the M sequence to the device of deducting fees；
If step S404, being verified, the account with power of attorney being locally stored and corresponding account password are returned to described
It deducts fees device, so that the device of deducting fees is deducted fees, wherein described to award according to the account with power of attorney and the account password
Account and the account password are weighed, is received and stored in local storage space before service is opened.
The execution method and beneficial effect of the present embodiment are similar with embodiment illustrated in fig. 1 to be repeated no more herein.
Further, similar with embodiment illustrated in fig. 3, the present embodiment can also include receiving button before step S402
Take the inquiry into balance request of device side transmission, and the step of returning to query result to device of deducting fees, and at the end of service, deletes
The step of except M sequence, account with power of attorney and the account password being locally stored, the execution method and beneficial effect and figure of these steps
3 illustrated embodiments are similar, repeat no more herein.
Fig. 5 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention five provides, as shown in figure 5, the present embodiment provides
Device of deducting fees include following module:
First NFC module 11, connect for establishing NFC with user terminal, and receives the M that the user terminal is randomly assigned
Sequence；
Service charging module 12, for the service of opening and accumulative charging, when the accumulative charging reaches preset gold of deducting fees
When volume, Xiang Suoshu user terminal sends the request of deducting fees for carrying the M sequence, so that the user terminal is according to the M sequence
Column carry out authentication；
Module of deducting fees 13, the authorization account for being returned according to the user terminal when the user terminal is verified
Family and corresponding account password, deduct fees, wherein the account with power of attorney and the account password exist for the user terminal
Service is just received and stored in memory space before opening.
Device provided in this embodiment of deducting fees can be used in executing method shown in FIG. 1, specifically executes method and has
Beneficial effect is similar with embodiment illustrated in fig. 1, repeats no more herein.
Fig. 6 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention six provides, as shown in fig. 6, the present embodiment provides
Device embodiment shown in Fig. 5 on the basis of, can also include:
Second NFC module 14, for sending inquiry into balance request to the user terminal；
Contrast module 15, the account balance for returning to the user terminal are compared with the amount of money of deducting fees；
The service charging module 12, for opening institute when the account balance deducts fees the amount of money more than or equal to described in
It states and services and add up charging；
Second NFC module 14 is also used to when the account balance deducts fees the amount of money less than described in, and Xiang Suoshu user is whole
End returns to the reminder message for being used for indicating that Sorry, your ticket has not enough value.
Device provided in this embodiment of deducting fees can be used in executing method shown in Fig. 2, specifically executes method and has
Beneficial effect is similar with embodiment illustrated in fig. 2, repeats no more herein.
Fig. 7 is the structural schematic diagram for the device of deducting fees that the embodiment of the present invention seven provides, as shown in fig. 7, the present embodiment provides
Device embodiment shown in Fig. 6 on the basis of, can also include:
Module 16 is obtained, for obtaining the common paid place information of the user terminal from the server of network side；
Second NFC module 14, for current paid place be the user terminal common paid place when, Xiang Suoshu
User terminal sends inquiry into balance request；
The acquisition module 16 is also used to when current paid place is not the common paid place of the user terminal, from institute
The terminal iidentification that the terminal being correspondingly arranged with the user terminal is obtained in server is stated, second NFC module is according to
Terminal iidentification sends payment abnormity prompt information to the terminal.
Third NFC module 17, for second NFC module to the terminal send payment abnormity prompt information it
Afterwards, the response message of the terminal is received；
Second NFC module 14 is also used to when the response message is the response message for allowing to pay, to the use
Family terminal sends inquiry into balance request；
The service charging module 12 is also used to when the response message is the response message of refusal to pay, and refusal is opened
Open the service.
Removing module 18, for deleting the M sequence after service.
Device provided in this embodiment of deducting fees can be used in executing method shown in Fig. 3, specifically executes method and has
Beneficial effect is similar with embodiment illustrated in fig. 3, repeats no more herein.
Fig. 8 is the structural schematic diagram for the terminal that the embodiment of the present invention eight provides, as shown in figure 8, the present embodiment provides terminals
Include:
Generation module 21, for generating M sequence at random；
4th NFC module 22 is connect for establishing NFC with device of deducting fees, and sends random generate to the device of deducting fees
M sequence；
5th NFC module 23 reaches the preset amount of money Shi Suofa that deducts fees in accumulative charging for receiving the device of deducting fees
The request of deducting fees sent, wherein the request of deducting fees carries the M sequence；
Authentication module 24, for being verified according to identity of the M sequence to the device of deducting fees；
4th NFC module 22, is also used to, when being verified, by the account with power of attorney being locally stored and corresponding account
Family password returns to the device of deducting fees, so that the device of deducting fees is carried out according to the account with power of attorney and the account password
It deducts fees, wherein the account with power of attorney and the account password are received and stored in local storage space before service is opened
's.
5th NFC module 23, is also used to, the inquiry into balance request that device of deducting fees described in reception is sent, and according to institute
It states inquiry into balance request and the remaining sum of the account with power of attorney is fed back into the device of deducting fees, so that the device of deducting fees is according to
Remaining sum determines the size relation of the remaining sum Yu the amount of money of deducting fees；
Wherein, if the remaining sum is greater than or equal to the amount of money of deducting fees, device of deducting fees described in reception is being billed to
Up to it is described deduct fees the amount of money when transmitted request of deducting fees；
If the remaining sum is less than the amount of money of deducting fees, device return of deducting fees described in reception is used to indicate what Sorry, your ticket has not enough value
Reminder message.
Removing module 25, for deleting the M sequence being locally stored, the account with power of attorney after service
And the account password.
Device provided in this embodiment of deducting fees can be used in executing method shown in Fig. 4, specifically executes method and has
Beneficial effect is similar with embodiment illustrated in fig. 4, repeats no more herein.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme.
Claims (10)
1. a kind of method of payment based on NFC characterized by comprising
NFC is established with user terminal to connect, and receives the M sequence that the user terminal is randomly assigned；
Open and service simultaneously accumulative charging, when the accumulative charging reach it is preset deduct fees the amount of money when, Xiang Suoshu user terminal is sent
The request of deducting fees of the M sequence is carried, so that the user terminal carries out authentication according to the M sequence；
The account with power of attorney returned if the user terminal is verified according to the user terminal and corresponding account password,
It deducts fees, wherein the account with power of attorney and the account password are just received and deposited before service is opened for the user terminal
Storage is in memory space；
The unlatching services and before accumulative charging, the method also includes:
Inquiry into balance request is sent to the user terminal, and by account balance that the user terminal returns and the gold of deducting fees
Volume compares；
Wherein, if the account balance is greater than or equal to the amount of money of deducting fees, the service and accumulative charging are opened；
If the account balance is less than the amount of money of deducting fees, the prompting for being used for indicating that Sorry, your ticket has not enough value is returned to the user terminal
Message；
Before the transmission inquiry into balance request to the user terminal, the method also includes:
The common paid place information of the user terminal is obtained from the server of network side；
Wherein, if current paid place is the common paid place of the user terminal, inquiry into balance is sent to the user terminal
Request；
If current paid place is not the common paid place of the user terminal, obtained from the server whole with the user
The terminal iidentification for the terminal being correspondingly arranged is held, and is sent according to the terminal iidentification to the corresponding terminal of the user terminal
Pay abnormity prompt information.
2. the method according to claim 1, wherein it is described according to the terminal iidentification to the user terminal pair
The terminal answered is sent after payment abnormity prompt information, further includes:
Receive the response message of the corresponding terminal of the user terminal；
Wherein, if the response message that the response message, which is, to be allowed to pay, inquiry into balance request is sent to the user terminal；
If the response message is the response message of refusal to pay, refuse to open the service.
3. method according to claim 1 or 2, which is characterized in that the method also includes:
After the service, the M sequence is deleted.
4. a kind of method of payment based on NFC characterized by comprising
NFC is established with device of deducting fees to connect, and sends the M sequence generated at random to the device of deducting fees；So that the dress of deducting fees
Set the common paid place information that user terminal is obtained from the server of network side；
If current paid place is not the common paid place of the user terminal, obtained from the server whole with the user
The terminal iidentification for the terminal being correspondingly arranged is held, and is sent according to the terminal iidentification to the corresponding terminal of the user terminal
Pay abnormity prompt information；
If current paid place is the common paid place of the user terminal, the inquiry into balance for device transmission of deducting fees described in reception is asked
It asks, and the remaining sum of account with power of attorney is fed back to by the device of deducting fees according to inquiry into balance request, so that the device of deducting fees
The size relation of the remaining sum with the amount of money of deducting fees is determined according to the remaining sum；Wherein, if the remaining sum is greater than or equal to the button
Take the amount of money, then receive described in deduct fees device accumulative charging reach it is preset deduct fees the amount of money when transmitted request of deducting fees, wherein
The request of deducting fees carries the M sequence；
It is verified according to identity of the M sequence to the device of deducting fees；
If being verified, the account with power of attorney being locally stored and corresponding account password are returned into the device of deducting fees, so that
The device of deducting fees is deducted fees according to the account with power of attorney and the account password, wherein the account with power of attorney and the account
Family password is received and stored in local storage space before service is opened；
If the remaining sum is less than the amount of money of deducting fees, device return of deducting fees described in reception is used to indicate the prompting that Sorry, your ticket has not enough value
Message.
5. according to the method described in claim 4, it is characterized in that, the method also includes:
After the service, the M sequence being locally stored, the account with power of attorney and the account password are deleted.
The device 6. one kind is deducted fees characterized by comprising
First NFC module is connect for establishing NFC with user terminal, and receives the M sequence that the user terminal is randomly assigned；
Service charging module services and accumulative charging for opening, when the accumulative charging reach it is preset deduct fees the amount of money when, to
The user terminal sends the request of deducting fees for carrying the M sequence, so that the user terminal carries out body according to the M sequence
Part verifying；
It deducts fees module, account with power of attorney for being returned according to the user terminal when the user terminal is verified and right
The account password answered, deducts fees, wherein the account with power of attorney and the account password are opened for the user terminal in service
It is just received and stored in memory space before opening；
Described device further include:
Second NFC module, for sending inquiry into balance request to the user terminal；
Contrast module, the account balance for returning to the user terminal are compared with the amount of money of deducting fees；
The service charging module, for opening the service when the account balance deducts fees the amount of money more than or equal to described in
And accumulative charging；
Second NFC module is also used to when the account balance deducts fees the amount of money less than described in, and Xiang Suoshu user terminal returns
For indicating the reminder message that Sorry, your ticket has not enough value；
Described device further include:
Module is obtained, for obtaining the common paid place information of the user terminal from the server of network side；
Second NFC module, for when current paid place is the common paid place of the user terminal, Xiang Suoshu user to be whole
End sends inquiry into balance request；
The acquisition module is also used to when current paid place is not the common paid place of the user terminal, from the service
The terminal iidentification for the terminal being correspondingly arranged with the user terminal is obtained in device, second NFC module is according to the terminal mark
Know to the corresponding terminal of the user terminal and sends payment abnormity prompt information.
7. device according to claim 6 of deducting fees, which is characterized in that described device further include:
Third NFC module, for receiving after second NFC module sends payment abnormity prompt information to the terminal
The response message of the corresponding terminal of the user terminal；
Second NFC module is also used to when the response message is the response message for allowing to pay, Xiang Suoshu user terminal
Send inquiry into balance request；
The service charging module is also used to when the response message is the response message of refusal to pay, described in refusal unlatching
Service.
8. device according to claim 6 or 7 of deducting fees, which is characterized in that described device further include:
Removing module, for deleting the M sequence after service.
9. a kind of terminal characterized by comprising
Generation module, for generating M sequence at random；
4th NFC module is connect for establishing NFC with device of deducting fees, and sends the M sequence generated at random to the device of deducting fees
Column；So that the device of deducting fees obtains the common paid place information of user terminal from the server of network side；It is paid currently
When ground is not the common paid place of the user terminal, the end being correspondingly arranged with the user terminal is obtained from the server
The terminal iidentification at end, and payment abnormity prompt letter is sent to the corresponding terminal of the user terminal according to the terminal iidentification
Breath；
5th NFC module, for device of when current paid place is the common paid place of the user terminal, deducting fees described in reception
The inquiry into balance of transmission is requested, and the remaining sum of account with power of attorney is fed back to the device of deducting fees according to inquiry into balance request,
So that the device of deducting fees determines the size relation of the remaining sum with the amount of money of deducting fees according to the remaining sum；
5th NFC module is also used to when the remaining sum deducts fees the amount of money more than or equal to described in, device of deducting fees described in reception
Accumulative charging reach it is preset deduct fees the amount of money when transmitted request of deducting fees, wherein the request of deducting fees carries the M sequence
Column；
Authentication module, for being verified according to identity of the M sequence to the device of deducting fees；
4th NFC module, is also used to, when being verified, by the account with power of attorney being locally stored and corresponding account password
The device of deducting fees is returned to, so that the device of deducting fees is deducted fees according to the account with power of attorney and the account password,
In, the account with power of attorney and the account password are received and stored in local storage space before service is opened；
5th NFC module is also used to when the remaining sum deducts fees the amount of money less than described in, device return of deducting fees described in reception
For indicating the reminder message that Sorry, your ticket has not enough value.
10. terminal according to claim 9, which is characterized in that the terminal further include:
Removing module, for deleting the M sequence being locally stored, the account with power of attorney and institute after the service
State account password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610383729.0A CN106096943B (en) | 2016-06-01 | 2016-06-01 | Method of payment, deduct fees device and terminal based on NFC |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610383729.0A CN106096943B (en) | 2016-06-01 | 2016-06-01 | Method of payment, deduct fees device and terminal based on NFC |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106096943A CN106096943A (en) | 2016-11-09 |
| CN106096943B true CN106096943B (en) | 2019-12-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610383729.0A Active CN106096943B (en) | 2016-06-01 | 2016-06-01 | Method of payment, deduct fees device and terminal based on NFC |
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| Country | Link |
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| CN (1) | CN106096943B (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107945004B (en) * | 2017-11-06 | 2022-03-04 | 中国银行股份有限公司 | Method and device for collecting accumulated fees |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1941009A (en) * | 2005-09-29 | 2007-04-04 | 普天信息技术研究院 | Method for realizing fee payment by mobile telecommunication terminal |
| CN101562775B (en) * | 2009-05-27 | 2013-12-04 | 中兴通讯股份有限公司 | Method for realizing prepayment intelligent network service of real-time accumulated donation and system thereof |
| CN102456194A (en) * | 2010-10-27 | 2012-05-16 | ***通信集团公司 | Remote payment method, system, terminal and server |
| CA2724297C (en) * | 2010-12-14 | 2013-11-12 | Xtreme Mobility Inc. | System and method for authenticating transactions through a mobile device |
| CN102752311B (en) * | 2012-07-16 | 2016-04-06 | 天地融科技股份有限公司 | A kind of authentication method, system and device |
| CN103577984A (en) * | 2012-07-18 | 2014-02-12 | 中兴通讯股份有限公司 | Payment method and device |
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