CN106408286A - Payment method and payment device in near field communication terminal, and terminal - Google Patents
Payment method and payment device in near field communication terminal, and terminal Download PDFInfo
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- CN106408286A CN106408286A CN201510454112.9A CN201510454112A CN106408286A CN 106408286 A CN106408286 A CN 106408286A CN 201510454112 A CN201510454112 A CN 201510454112A CN 106408286 A CN106408286 A CN 106408286A
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- payment
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- module
- pay
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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
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- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
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- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention discloses a payment method and payment device in a near field communication terminal, and a terminal. The payment method comprises the steps of receiving a payment signal, and analyzing the payment amount according to the payment signal; and calling a current payment path to pay, and when the payment fails, calling another payment path to pay. By adding a judgment and switching mechanism, the invention can switch the payment path when the payment fails, thereby increasing the success rate of the payment and improving the user experience.
Description
Technical field
The present invention relates to field of mobile communication, payer in more particularly to a kind of close range wireless communication terminal
Method, payment mechanism and terminal.
Background technology
With the rise of mobile payment, NFC (Near Field Communication, close range wireless communication
Technology) increasingly to popularize, mobile phone terminal is mainly simulated by the payment scheme commonly used at present using NFC technique
For a Payment Card, as shown in figure 1, it includes HCE, and (host-based cardemulation, based on master
The snap gauge of machine is intended), eNFC (enhancement mode NFC) and full terminal scheme SE (safe unit).
In Fig. 1, passage 1 is HCE, simulates one by software in Application Processor
Sheet smart card, passage 2 and 3 is the snap gauge simulation models of eNFC, and that is, by SWP, (point-to-point leads to NFC
News agreement) agreement and USIM (Universal Subscriber Identity Module, Global Subscriber identification card)
Card is communicated, and key, wallet encryption information etc. is stored in usim card, is the master of current operator
Push away payment scheme；Passage 4 be full terminal scheme, SE can run application program of intelligent card (referred to as little should
With or card application).SE is exactly the miniature computing environment on one chip in essence, has complete
CPU, ROM, EEPROM, RAM and I/O interface, can be SDCARD or UICC SIM,
Including built-in eSE and external eSE both of which, mainly the encryption of some important informations is stored in eSE not
In same sector, mainly include Unionpay and Alipay etc. at present and promoting use.For different Scheme Choice,
Carry out selecting the different means of payment by route.
In prior art, what mobile payment application was most is then hardware card simulation, and hardware card simulation maximum
Feature exactly when mobile phone terminal low electricity automatic shutdown after remain able to be traded；Its operation principle is then,
The minimum 2.7V of operating voltage of NFC, that is, after system automatic shutdown (3.3V about), as long as
Cell voltage is higher than 2.7V, and NFC can also normal work.
In prior art, in all supporting the terminal system of double-card dual-standby of NFC, including at least two eSE
Module, when terminal is near POS, NFCC (NFC Controller, NFC controller) produces choosing
Select route instruction, then path controller reads the SE default route value of setting in configuration file (.conf),
Select corresponding SE module, but in the case of shutdown or blank screen, acquiescence pays path because Sorry, your ticket has not enough value
Reason can not complete to pay；Although other pay path remaining sum abundance simultaneously, NFC can not fast change
Acquiescence pays path, and then reduce Consumer's Experience.
Content of the invention
The technical problem to be solved in the present invention is to provide method of payment in a kind of close range wireless communication terminal, prop up
Paying device and terminal, acquiescence payment path can not being changed in order to solve NFC, thus leading to pay unsuccessfully
Problem.
For solving above-mentioned technical problem, on the one hand, the present invention provides in a kind of close range wireless communication terminal and props up
The method of paying, including：
Receive and pay signal, according to paying signal, parse payment；
Call the current path that pays to be paid, when paying unsuccessfully, call another to pay path and carry out propping up
Pay.
Further, when paying unsuccessfully, according to the priority orders being the configuration of all payment paths in advance, choosing
Select a payment path,
This payment path is called to be paid.
Further, the step of the described priority orders being the configuration of all payment paths in advance, specifically includes：
It is all payment paths configuration preference level order in advance；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；
The described step calling this payment path to be paid, specifically includes：
Obtain the routing value in this payment path, and call this routing value corresponding payment path to carry out by pointer
Pay.
Further, the described step calling another payment path to be paid, specifically includes：
Inquire about the payment of balance in each payment path；
The payment path that payment of balance is more than or equal to payment is called to be paid.
Further, described reception pays signal, according to paying signal, the step parsing payment, has
Body includes：
When receiving payment signal, carry out fingerprint recognition authentication；
When authentication is passed through, according to paying signal, parse payment；
When authentication is not passed through, point out Fail Transaction.
On the other hand, the present invention provides payment mechanism in a kind of close range wireless communication terminal, including：
Receiver module, pays signal for receiving；
Parsing module, for according to paying signal, parsing payment；
Payment module, is used for calling the current path that pays to be paid, when paying unsuccessfully, calls another
Pay path to be paid.
Further, described payment module includes scheduler module and handover module；
Wherein, described scheduler module is used for calling payment path to be paid, and touching according to handover module
Sending out calls another payment path to be paid；
Described handover module is used for being all payment paths configuration preference level order in advance；When paying unsuccessfully,
Triggering scheduler module, according to described priority orders, selects a payment path, calls this payment path to carry out
Pay.
Further, described handover module is specifically for setting up priority orders for all payment paths in advance；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；
And when paying unsuccessfully, triggering scheduler module calls another payment path to carry out according to described priority orders
Pay；
Described scheduler module is specifically for obtaining the routing value in this payment path, and calls this route by pointer
It is worth corresponding payment path to be paid, and another route is called by pointer according to the triggering of handover module
It is worth corresponding payment path to be paid.
Further, described handover module also includes enquiry module, for inquiring about more than the payment in each payment path
Volume；And notify handover module triggering scheduler module to call payment of balance to be more than or equal to the payment road of payment
Footpath is paid.
Further, described device also includes authentication module, for receiver module receive payment signal when,
Carry out fingerprint recognition authentication；
When authentication is passed through, according to paying signal, parse payment；
When authentication is not passed through, point out Fail Transaction.
The present invention also provides a kind of terminal, and described terminal is paid using payment mechanism of the present invention.
The present invention has the beneficial effect that：The present invention passes through increase and judges to pay unsuccessfully so that working as with handover mechanism
When, can carrying out paying the switching in path, thus improving the success rate of payment, improve Consumer's Experience.
Brief description
Fig. 1 is scheme schematic diagram in main flow close range wireless communication terminal in prior art；
Fig. 2 is the main flow chart of method of payment in a kind of close range wireless communication terminal in the embodiment of the present invention；
Fig. 3 is the detail flowchart of method of payment in a kind of close range wireless communication terminal in the embodiment of the present invention；
Fig. 4 is the structural representation of method of payment in a kind of close range wireless communication terminal in the embodiment of the present invention.
Specific embodiment
Acquiescence payment path can not be changed to solve existing NFC, thus leading to pay the problem of failure,
The invention provides method of payment, payment mechanism and terminal in a kind of close range wireless communication terminal, below tie
Close accompanying drawing and embodiment, the present invention will be described in further detail.It should be appreciated that it is described herein
Specific embodiment, only in order to explain the present invention, does not limit the present invention.
Embodiment one
As shown in Fig. 2 the embodiment of the present invention provides method of payment in a kind of close range wireless communication terminal, bag
Include：
S101, receives and pays signal；According to paying signal, parse payment；That is, NFCC
The signal of the analysis POS (POS), parses the amount of money of swiping the card.
S102, according to the payment parsing, calls the current path that pays to be paid, if paid into
Work(, then complete delivery operation, and flow process terminates.If paying unsuccessfully, being switched to another payment path and carrying out
Pay.
Because, in prior art, in configuration file (.conf), the SE of setting is default route value, pays road
Footpath controller reads according to the routing value of acquiescence and selects corresponding SE module to be paid, if paying unsuccessfully,
Can only rely on and switch over payment path manually, thus completing to pay.But in the case of shutdown or blank screen,
Now terminal is inconvenient or cannot operate, and therefore cannot be carried out fast switching, so cannot fast complete to prop up
Pay.The method of the embodiment of the present invention, is judged and handover mechanism is so that when paying unsuccessfully by increasing, can
To carry out paying the automatic switchover in path, without switching over payment manually, thus improving the success rate of payment,
Improve Consumer's Experience.
Wherein, in step s 102, priority orders are set up for all payment paths in advance；
When paying unsuccessfully, another payment path is called to be paid according to described priority orders.
Priority orders in this step are according to the self-defined setting of user's request.For example, it is possible to pay path
Payment environment in amount of money height arranging priority orders.This step can effectively improve payment efficiency.
It is the step of all payment paths configuration preference level order in advance, specifically include：
It is all payment paths configuration preference level order in advance；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；
When calling：
Obtain and pay first corresponding routing value in payment path in queue, and this routing value is called by pointer
Corresponding payment path is paid；If paid unsuccessfully, acquisition is called to pay second payment in queue
The corresponding routing value in path, and call this routing value corresponding payment path to be paid by pointer, until
Pay successfully, or all payment queues all pay failure, feedback pays failure.
Multiple due to having the reason in prior art, payment unsuccessfully, but wherein lead to due to insufficient in amount prop up
Pay is unsuccessfully main cause.The method of the therefore embodiment of the present invention is in order to improve payment efficiency, another being switched to
One payment path specifically adopts following steps when being paid：
Inquire about the payment of balance in each payment path；
The payment path that arbitrary payment of balance is more than or equal to payment is selected to be paid.A plurality of when existing
When payment of balance is more than or equal to the payment path of payment, is chosen according to priority orders and pay path.
In order to improve the security of payment, in the embodiment of the present invention, method is additionally included in and carries out at authentication during payment
Reason.Due in the case of shutdown or blank screen, carrying out paying during the switching of path it is impossible to enter by means such as passwords
Row authentication, therefore, the embodiment of the present invention carries out authentication process using by fingerprint, specifically includes：
When receiving payment signal, carry out fingerprint recognition authentication；Specifically, pre-stored fingerprint data first is in fingerprint
In database, when receiving payment signal, carry out the collection of finger print data, when finger print data and the fingerprint of collection
During fingerprint matching in database, then judge that authentication is passed through；During mismatch, then judge that authentication is not passed through.
When authentication is passed through, according to paying signal, parse payment, carry out continuation payment step；
When authentication is not passed through, point out Fail Transaction.
As shown in figure 3, in the embodiment of the present invention described briefly below method realize flow process in detail.
Step 1, carries out fingerprint authentication, when not authenticating successful, execution step 2；After authentication success, execution
Step 3.
Step 2, points out Fail Transaction, and when terminal is in shutdown or black state, prompting mode is default
Prompting mode, the such as sound or vibrations etc..
Step 3, opens NFCC, and initialization pays path queue pointer, obtains acquiescence and pays path.
Step 4, NFCC analyzes POS signal, parses the amount of money of swiping the card.
Step 5, sends, to all eSE, the APDU instruction that queries the balance, obtains each eSE remaining sum, wherein
Step 4 and step 5 no sequencing, can be with step 4 and steps it is also possible to step 4 after first step 5
5 are carried out simultaneously, save the time of payment when carrying out simultaneously, improve payment efficiency.
Step 6, judges whether the current payment environment paying path meets the terms of payment, and such as its payment is remaining
Whether volume is more than or equal to payment.If meeting condition, execution step 9, complete to pay, Ran Houjie
Bundle branch is paid.If being unsatisfactory for condition, execution step 7.
Step 7, automatically switches to next paying in path queue and pays path according to priority orders；?
Pay the priority orders in path, can read from conf file in advance, be stored in respectively with the order of priority
In queue, wherein, the highest priority of default path, in queue heads, priority is minimum then for default path
It is placed on tail of the queue, by pointer, corresponding routing value can be obtained.
Step 8, selects this path, is paid, if paying unsuccessful, continues executing with step 6.
The method of the embodiment of the present invention, for double-card dual-standby NFC mobile terminal in the case of shutdown or dark screen,
Cannot switch, when acquiescence pays when path cannot complete and pay, the problem paying path, propose first based on excellent
The payment Path selection of first level, by the mechanism of the payable property of pre-detection payment environment it is achieved that propping up when giving tacit consent to
Pay the automatic switchover paying path when path cannot pay, improve payment success rate.
Embodiment two
As shown in figure 4, the embodiment of the present invention provides payment mechanism in a kind of close range wireless communication terminal, bag
Include：
Receiver module 41, pays signal for receiving；
Parsing module 42, for according to paying signal, parsing payment；
Payment module 43, is used for calling the current path that pays to be paid, when paying unsuccessfully, is switched to another
One pays path and is paid.It includes scheduler module and handover module；
Wherein, scheduler module is used for calling payment path to be paid, and is adjusted according to the triggering of handover module
Paid with another payment path；
Handover module is used in advance priority orders being set up in all payment paths；When paying unsuccessfully, triggering
Scheduler module calls another payment path to be paid according to described priority orders.
This handover module is specifically for setting up priority orders all payment paths in advance；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；With
And when paying unsuccessfully, triggering scheduler module calls another payment path to carry out propping up according to described priority orders
Pay；
Scheduler module is specifically for obtaining the routing value in this payment path, and calls this routing value pair by pointer
The payment path answered is paid, and calls another routing value pair according to the triggering of handover module by pointer
The payment path answered is paid.
Handover module also includes enquiry module, for inquiring about the amount of money in each payment path；And notify to switch mould
Block triggering scheduler module calls the payment path that the amount of money is more than or equal to payment to be paid.
In order to improve the security of payment, in the embodiment of the present invention, payment mechanism also includes authentication module, is used for
When receiver module receives payment signal, carry out fingerprint recognition authentication；
When authentication is passed through, according to paying signal, parse payment；
When authentication is not passed through, point out Fail Transaction.
In the embodiment of the present invention, payment mechanism is the corresponding product embodiments of embodiment one, and concrete setting is refering to real
Apply example one, will not be described here.In present example, payment mechanism is judged by increase and handover mechanism, makes
Proper can carry out paying the switching in path when paying unsuccessfully, thus without relying upon switching over payment manually,
Thus improving the success rate of payment.Particularly improve payment when cannot carry out paying path switching manually to become
Power, improves Consumer's Experience.
Embodiment three
The embodiment of the present invention provides a kind of terminal, and this terminal is paid using the payment mechanism in embodiment two.
This terminal can have the device of NFC technique for mobile phone or panel computer etc..
Although being example purpose, have been disclosed for the preferred embodiments of the present invention, those skilled in the art will
Recognize that various improvement, increase and replacement are also possible, therefore, the scope of the present invention should be not limited to
State embodiment.
Claims (11)
1. in a kind of close range wireless communication terminal method of payment it is characterised in that include：
Receive and pay signal, according to paying signal, parse payment；
Call the current path that pays to be paid, when paying unsuccessfully, call another to pay path and carry out propping up
Pay.
2. the method for claim 1 is it is characterised in that when paying unsuccessfully, according to being in advance
The priority orders of all payment paths configuration, select a payment path, call this payment path to carry out propping up
Pay.
3. method as claimed in claim 2 is it is characterised in that described join for all payment paths in advance
The step of the priority orders put, specifically includes：
It is all payment paths configuration preference level order in advance；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；
The described step calling this payment path to be paid, specifically includes：
Obtain the routing value in this payment path, and call this routing value corresponding payment path to carry out by pointer
Pay.
4. the method as described in claim 1-3 any one is it is characterised in that described call another
Pay the step that path is paid, specifically include：
Inquire about the payment of balance in each payment path；
The payment path that payment of balance is more than or equal to payment is called to be paid.
5. the method as described in claim 1-3 any one is it is characterised in that described reception disbursement letter
Number, according to paying signal, the step parsing payment, specifically include：
When receiving payment signal, carry out fingerprint recognition authentication；
When authentication is passed through, according to paying signal, parse payment；
When authentication is not passed through, point out Fail Transaction.
6. in a kind of close range wireless communication terminal payment mechanism it is characterised in that include：
Receiver module, pays signal for receiving；
Parsing module, for according to paying signal, parsing payment；
Payment module, is used for calling the current path that pays to be paid, when paying unsuccessfully, calls another
Pay path to be paid.
7. device as claimed in claim 6 is it is characterised in that described payment module includes scheduler module
And handover module；
Wherein, described scheduler module is used for calling payment path to be paid, and touching according to handover module
Sending out calls another payment path to be paid；
Described handover module is used for being all payment paths configuration preference level order in advance；When paying unsuccessfully,
Triggering scheduler module, according to described priority orders, selects a payment path, calls this payment path to carry out
Pay.
8. device as claimed in claim 7 is it is characterised in that described handover module is specifically in advance
Set up priority orders for all payment paths；
According to described priority orders, all payment paths are stored in payment queue, and distribute routing value；
And when paying unsuccessfully, triggering scheduler module calls another payment path to carry out according to described priority orders
Pay；
Described scheduler module is specifically for obtaining the routing value in this payment path, and calls this route by pointer
It is worth corresponding payment path to be paid, and another route is called by pointer according to the triggering of handover module
It is worth corresponding payment path to be paid.
9. device as claimed in claim 8 is it is characterised in that described handover module also includes inquiring about mould
Block, for inquiring about the payment of balance in each payment path；And notify handover module triggering scheduler module to call
Pay remaining sum to be paid more than or equal to the payment path of payment.
10. the device as described in claim 6-9 any one is it is characterised in that described device also includes
Authentication module, for when receiver module receives payment signal, carrying out fingerprint recognition authentication；
When authentication is passed through, according to paying signal, parse payment；
When authentication is not passed through, point out Fail Transaction.
A kind of 11. terminals are it is characterised in that described terminal is using as described in claim 6-9 any one
Payment mechanism paid.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510454112.9A CN106408286A (en) | 2015-07-29 | 2015-07-29 | Payment method and payment device in near field communication terminal, and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510454112.9A CN106408286A (en) | 2015-07-29 | 2015-07-29 | Payment method and payment device in near field communication terminal, and terminal |
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| Publication Number | Publication Date |
|---|---|
| CN106408286A true CN106408286A (en) | 2017-02-15 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201510454112.9A Pending CN106408286A (en) | 2015-07-29 | 2015-07-29 | Payment method and payment device in near field communication terminal, and terminal |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104301295A (en) * | 2013-07-19 | 2015-01-21 | 中兴通讯股份有限公司 | Short-distance wireless communication transaction authentication method and system |
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| CN101968907A (en) * | 2010-09-17 | 2011-02-09 | 宇龙计算机通信科技(深圳)有限公司 | Double-card mobile terminal-based payment method, system and mobile terminal |
| CN102867252A (en) * | 2012-09-14 | 2013-01-09 | 东莞宇龙通信科技有限公司 | Payment server and payment channel acquisition method |
| CN103577982A (en) * | 2012-08-03 | 2014-02-12 | Lg电子株式会社 | Mobile terminal and method of performing NFC payment using same |
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2015
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101968907A (en) * | 2010-09-17 | 2011-02-09 | 宇龙计算机通信科技(深圳)有限公司 | Double-card mobile terminal-based payment method, system and mobile terminal |
| CN103577982A (en) * | 2012-08-03 | 2014-02-12 | Lg电子株式会社 | Mobile terminal and method of performing NFC payment using same |
| CN102867252A (en) * | 2012-09-14 | 2013-01-09 | 东莞宇龙通信科技有限公司 | Payment server and payment channel acquisition method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104301295A (en) * | 2013-07-19 | 2015-01-21 | 中兴通讯股份有限公司 | Short-distance wireless communication transaction authentication method and system |
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Application publication date: 20170215 |