CN108604340A - A kind of method of mobile payment, device and storage medium - Google Patents
A kind of method of mobile payment, device and storage medium Download PDFInfo
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- CN108604340A CN108604340A CN201780005446.5A CN201780005446A CN108604340A CN 108604340 A CN108604340 A CN 108604340A CN 201780005446 A CN201780005446 A CN 201780005446A CN 108604340 A CN108604340 A CN 108604340A
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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
- G06Q20/326—Payment applications installed on the mobile devices
Abstract
A kind of method of mobile payment of present invention offer, device and storage medium, including：A kind of method of mobile payment, including：Mobile terminal receives the first message from gathering end equipment；According to the first message, determining has preferential movable Payment Card；Mobile payment is carried out using with preferential movable Payment Card.In this way, mobile terminal is determined before payment has preferential movable Payment Card, realizes and automatically select and use promotional card, optimize user experience.
Description
The present invention relates to the communications field more particularly to a kind of method of mobile payment, device and storage medium.
With the development of industry, there are many mobile payment technologies in industry, and wherein mobile phone card simulation is highly important one kind.Such as Huawei Pay, Unionpay's wallet, cloud sudden strain of a muscle pair etc..It can be realized and be paid by the short distance wireless communication technology (Near Field Communication, NFC) of mobile phone.In these mobile payment applications, such as Huawei Pay, user can register the bank card application of multiple different banks simultaneously, such as: China Merchants Bank's credit card, Construction Bank's credit card, industrial and commercial bank's credit card, wide credit card.User can freely determine which Zhang Zuowei default card application used.
Different businessmans may cooperate from different banks, provide different preferential activities.User is if it is desired to obtain preferential, generally comprise three factors: one is point-of-sale terminal (the Point of Sale of businessman, PoS) whether have it is preferential activity (such as: the PoS of some businessmans has the preferential of China Merchants Bank, the PoS of some businessmans has the preferential of Construction Bank, and the PoS of some businessmans does not have preferential)；Secondly whether meeting favourable condition for the card (bank, card type) that user uses；Thirdly whether meeting favourable condition (such as expire 150 and subtract 50) for spending amount.
Currently, in use, the publicity picture and text for needing user to put up by observing StoreFront, or seeked advice from salesman, determination is there are preferential bank card types and oneself whether meets favourable condition, then manually selects use and meets preferential bank card.If user is without above-mentioned manual intervention, present mobile phone card simulation is usually to follow EMVCo (such as Visa or MasterCard bank card) or PBOC (such as Unionpay's bank card) standard, and the recommendation of promotional card application is difficult to realize in process.
Fig. 1 is the bank card application selection and initialization section split flow of EMVCo/PBOC standard, it is seen then that existing EMVCo/PBOC payment flow, comprising:
Firstly, PoS is simulated to mobile phone card sends selection short distance payment system environment (Proximity Payment System Environment, PPSE) instruction；
PPSE is a file in mobile phone card simulation, wherein saving the list of an AID, each AID has been installed corresponding to mobile phone card simulation upper one and workable card is applied；In practice, the AID value (being denoted as AID1) for blocking application only usually is defaulted comprising user setting in PPSE；PoS machine obtains the AID1 in PPSE, concurrently sends to be elected and selects AID1 instruction, chooses the corresponding card application of AID1 (i.e. default card application)；
Then, after PoS obtains the master data of the corresponding card application of AID1, sends acquisition Treatment Options (Ggt Processing Options, GPO) and initialized, the relevant informations such as this transaction amount and PoS machine mark (Identification, ID) can wherein be carried.
Existing EMVCo/PBOC process is first selected Payment Card, is then likely to obtain the information for determining promotional card.Not the case where not accounting for mobile phone card simulation, it is difficult to realize automatically selecting and using for promotional card.Therefore, for existing EMVCo/PBOC payment flow, it cannot achieve preferential Payment Card at present and recommend.
Summary of the invention
The present invention provides a kind of method of mobile payment, device and storage medium, to solve then just to obtain the information for determining promotional card by first selecting Payment Card in the prior art, it is difficult to the problem of realization automatically selects and uses promotional card.
In a first aspect, providing a kind of method of mobile payment, it is suitable for mobile terminal, comprising: the mobile terminal receives the first message from gathering end equipment；According to the first message, the first account for existing and meeting preset condition is determined；Mobile payment is carried out using first account.Before payment, the first message that mobile terminal is sent by gathering end equipment is determined preferential card information, and is paid using the corresponding payment accounts of promotional card.
In a kind of optional embodiment, the first message includes transaction amount and Cash collecting equipment mark.Mobile terminal receives the transaction amount that gathering end equipment is sent and Cash collecting equipment mark, terminal easy to remove determine preferential card information.
In a kind of optional embodiment, the method also includes before the mobile terminal receives the first message from gathering end equipment, the mobile terminal requests the transaction amount and Cash collecting equipment mark to the gathering end equipment.
In a kind of optional embodiment, the method also includes: when first account is default account, the first PPSE is obtained, includes the first PPSE, the application identities comprising the default account in the first PPSE in the first message.
In a kind of optional embodiment, the method also includes: when first account is not default account, obtain the 2nd PPSE, and second message is sent to the Cash collecting equipment, include the 2nd PPSE in the second message, includes the application identities of first account in the 2nd PPSE.
In a kind of optional embodiment, the method also includes: the mobile terminals obtained from server registered bank card ownership bank action message, the action message includes Cash collecting equipment mark, bank card mark and activity condition.By in advance from server obtain bank card ownership bank action message, before payment, mobile terminal from gathering end equipment receive transaction amount and Cash collecting equipment mark after, according to the action message obtained in advance, determine preferential card information.To use promotional card to pay.
In a kind of optional embodiment, the first message includes the action message of transaction amount and Cash collecting equipment.Terminal easy to remove is according to the action message and transaction amount of Cash collecting equipment, in conjunction with bank card information registered in mobile terminal, quickly determine preferential card information, save the step of registered bank card is matched from a large amount of action messages that server obtains, convenient succinct, the user experience is improved.
In a kind of optional embodiment, the method also includes before the mobile terminal receives the first message from gathering end equipment, the mobile terminal requests the transaction amount and Cash collecting equipment mark to the gathering end equipment.
In a kind of optional embodiment, the method also includes: when first account is default account, the first PPSE is obtained, includes the first PPSE, the application identities comprising the default account in the first PPSE in the first message.
In a kind of optional embodiment, the method also includes: when first account is not default account, obtain the 2nd PPSE, and second message is sent to the Cash collecting equipment, include the 2nd PPSE in the second message, includes the application identities of first account in the 2nd PPSE.
In a kind of possible embodiment, mobile terminal establishes the mapping relations of bank card and payment accounts.Convenient for user according to the mapping relations and promotional card, payment accounts are determined.
Second aspect, provide a kind of mobile payment device, including memory, on a memory and the computer program that can run on a processor, when processor execution described program, makes the mobile payment device realize each possible step of above-mentioned first aspect and first aspect for processor and storage.The embodiment and beneficial effect solved the problems, such as due to the mobile payment device may refer to the embodiment and brought beneficial effect of each possible method of mobile payment of above-mentioned first aspect and first aspect, therefore the implementation of the mobile payment device may refer to the implementation of each possible method of mobile payment of above-mentioned first aspect and first aspect, and overlaps will not be repeated.
The third aspect provides a kind of computer readable storage medium, including instruction, when described instruction is run on mobile payment device, so that the mobile payment device executes any one method of mobile payment of above-mentioned first aspect and first aspect.Based on the same inventive concept, overlaps will not be repeated.
To describe the technical solutions in the embodiments of the present invention more clearly, the accompanying drawings required for describing the embodiments of the present invention are briefly described below.
Fig. 1 is the bank card application selection and initialization section split flow of EMVCo/PBOC standard；
Fig. 2 is a kind of flow chart of implementation provided in an embodiment of the present invention based on NG-SE；
Fig. 3 is the flow chart of another implementation provided in an embodiment of the present invention based on NG-SE；
Fig. 4 is a kind of flow chart of implementation provided in an embodiment of the present invention based on EMVCo/PBOC；
Fig. 5 is the flow chart of another implementation provided in an embodiment of the present invention based on EMVCo/PBOC；
Fig. 6 is the flow chart of another implementation provided in an embodiment of the present invention based on EMVCo/PBOC.
Fig. 7 is the block diagram of the part-structure of mobile phone 100 provided in an embodiment of the present invention.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention is described in detail, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.
The embodiment of the invention provides a kind of mobile payment schemes, and be suitable for mobile terminal: mobile terminal receives the first message from gathering end equipment；Mobile terminal determines the first account for existing and meeting preset condition according to the first message；Mobile payment is carried out using first account.
The embodiment of the invention provides a kind of method of mobile payment transaction, mobile phone card simulation determines there is preferential movable Payment Card, trades using with preferential movable Payment Card, optimizes user experience.
Following embodiment is exemplary to introduce the determining embodiment with preferential movable Payment Card of mobile phone card simulation, comprising:
A kind of optional embodiment, it can be based on Successor-generation systems environment (Next Generation System Environment, NG-SE), transaction amount is obtained in the application choice phase, PoS machine ID, according to transaction amount, PoS machine ID determines the information of promotional card, and the card that promotional card is adjusted to this transaction is applied (no matter whether it defaults card).
Another optional embodiment can be based on existing EMVCo/PBOC technology, when first time transaction proceeds to GPO instruction, obtain the information for judging promotional card, starting promotional card judgement；It is switched to promotional card if necessary to the default card in will be currently selected, then interrupts current transaction communications, and switches and restart transaction.
Another optional embodiment, it can be based on EMVCo/PBOC technology, before PoS machine carries out card application selection (sending select command to enable), it first passes through NFC or other modes and the information (PoS machine ID, transaction amount) that can be used for judging promotional card is supplied to payment end (mobile phone card simulation)；Payment end determines whether there is promotional card according to PoS machine ID and transaction amount, if it is determined that there are promotional cards, then promotional card are adjusted to card that this transaction uses and apply (covering promotional card corresponding AID among PPSE).
In embodiments of the present invention, NFC communication can be passed through between mobile terminal and PoS machine.
In embodiments of the present invention, it needs to pre-establish the mapping relations between bank card and payment accounts.
A kind of implementation provided in an embodiment of the present invention based on NG-SE described in detail below:
First, before transaction, the mobile payment application at payment end obtains current preferential action message from server, preferential action message includes that PoS information (has this preferential on which PoS, uniline (i.e. the arrangement person of PoS machine) can be received by PoS machine ID and/or PoS machine to determine), (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and the favourable condition for needing to meet (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.).
Then, PoS machine sends selection NG-SE message to payment end (mobile phone card analog machine), and transaction amount and PoS machine ID are carried in NG-SE message (PoS machine ID receives uniline for determining, in general, there are different preferential activities on the different PoS machines for receiving uniline).
Then, end is paid the bill according to the message in NG-SE, in conjunction with the preferential action message obtained before, it has been installed in the current payment end of judgement and in the bank card application that activates and (can use), with the presence or absence of the promotional card for meeting favourable condition (type meets, and this amount of money is eligible)；If there is, further judge this promotional card whether be the setting of current payment end default card, if not, this promotional card is then adjusted to card to be used in this transaction and (is set as default card by the NG-SE at the AID write-in payment end of promotional card or temporarily, it can be confirmed based on user or the strategy of user setting before, allow to carry out such adjustment), and trade.
Finally, after completion of transactions, default card can be changeed back to the default card of former setting.
Fig. 2 is a kind of flow chart of implementation provided in an embodiment of the present invention based on NG-SE.
As shown in Figure 2, before the trade, the preferential action message of the first kind (S201) for the bank card that payment end has been installed and activated from server acquisition, the preferential action message of the first kind includes that PoS information (has this preferential on which PoS, uniline (i.e. the arrangement person of PoS machine) can be received by PoS machine ID and/or PoS machine to determine), (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.)；
Payment end receives the selection NGSE that PoS machine is sent and instructs (S202), also comprising transaction amount and PoS machine information (that is, PoS machine ID and/or receipts uniline mark) in instruction.
End is paid the bill according to the transaction amount and PoS machine information and the preferential action message of the first kind, it is determined whether
In the presence of meeting the promotional card application of preferential activity condition, and judge the whether current default card (S203) of this promotional card application
If promotional card is not default card, then determining needs switching is traded using promotional card, and (determining method includes: to confirm in UI interface prompt user, or the strategy based on user preset automatically switches), and the AID of promotional card is written in the NGSE at payment end (S204)；If promotional card is default card or there is no promotional cards, NGSE (S205) is not modified；End is paid the bill to the transmission selection NGSE response of PoS machine, and establishing criteria transaction flow carries out trading processing (S206).
The embodiment of the invention also provides another implementations based on NG-SE:
First, PoS machine sends selection NG-SE message to payment end (mobile phone card analog machine), and transaction amount and PoS machine ID are carried in NG-SE message, and preferential action message present on current this PoS machine (for which promotional card and favourable condition).
Then, payment end is according to the message in NG-SE, judges to have installed in current payment end and in the bank card application that activates and (can use), if having the promotional card for meeting favourable condition (type meets, and this amount of money is eligible)；If there is, further judge this promotional card whether be the setting of current payment end default card, if not, this promotional card is then adjusted to card to be used in this transaction and (is set as default card by the NG-SE at the AID write-in payment end of promotional card or temporarily, it can be confirmed based on user or the strategy of user setting before, allow to carry out such adjustment), and trade.
Finally, after completion of transactions, default card can be changeed back to the default card of former setting.
Fig. 3 is the flow chart of another implementation provided in an embodiment of the present invention based on NG-SE.As shown in figure 3,
The selection NGSE that end reception PoS machine is sent that pays the bill instructs (S301), also comprising the preferential action message of the second class on transaction amount and the PoS machine in instruction, the preferential action message of second class includes that (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.)；
Illustrate: the difference of the preferential action message of the first kind and the preferential action message of the second class is, the former is that payment end is obtained from server, for it is all can be potentially encountered have preferential movable PoS machine, therefore wherein containing the information of preferential activity PoS machine；The latter is for current PoS machine, and there is no need to contain PoS machine information.
End is paid the bill according to the transaction amount and the preferential action message of the second class, determines the promotional card application for existing and meeting preferential activity condition, and judges the whether current default card (S302) of this promotional card application
If promotional card is not default card, then determining needs switching is traded using promotional card, and (determining method includes: to confirm in UI interface prompt user, or the strategy based on user preset automatically switches), and will be in the NGSE at the AID of promotional card write-in payment end；(S303)
If promotional card is default card or there is no promotional cards, NGSE is not modified；End is paid the bill to PoS machine transmission selection NGSE response (S304), establishing criteria transaction flow carries out trading processing (S305).
A kind of implementation based on EMVCo/PBOC technology:
Firstly, payment end obtains current preferential action message, preferential action message packet from server before transaction
Including PoS information (has this preferential on which PoS, uniline (i.e. the arrangement person of PoS machine) can be received by PoS machine ID and/or PoS machine to determine), (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.)；
Then, conventional EMVCo/PBOC transaction flow is carried out, PoS machine is required at least to provide PoS machine ID and transaction amount in GPO instruction in the response of selection AID instruction；
Secondly, after receiving GPO instruction, end is paid the bill according to above- mentioned information and combines the preferential action message obtained before, it has been installed in the current payment end of judgement and in the bank card application that activates and (can use), with the presence or absence of the promotional card for meeting favourable condition (type meets, and this amount of money is eligible)；If there is, further judge this promotional card whether be the setting of current payment end default card, if not, this promotional card is then adjusted to card to be used in this transaction and (is set as default card by the NG-SE at the AID write-in payment end of promotional card or temporarily, can be confirmed based on user or the strategy of user setting before, allow to carry out such adjustment), and interrupt current NFC communication, then NFC communication is restarted, restarts transaction flow using promotional card.
Fig. 4 is a kind of flow chart of implementation provided in an embodiment of the present invention based on EMVCo/PBOC.As shown in figure 4,
Before the trade, the preferential action message of the first kind (S401) for the bank card that payment end has been installed and activated from server acquisition, the preferential action message of the first kind includes that PoS information (has this preferential on which PoS, uniline (i.e. the arrangement person of PoS machine) can be received by PoS machine ID and/or PoS machine to determine), (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.)；
The selection PPSE that end reception PoS machine is sent that pays the bill instructs (S402), and payment end, which is sent, selects PSE instruction response (S403), wherein includes PDOL in PSE response message, and PoS machine is required to provide PoS machine information and trade gold；
Payment termination receives the GPO instruction (S404) of PoS machine transmission, wherein including PoS machine information and transaction amount；
End is paid the bill according to the transaction amount and PoS machine information and the preferential action message of the first kind, determines the promotional card application for existing and meeting preferential activity condition, and judges the whether current default card (S405) of this promotional card application
If promotional card is default card, responds GPO instruction and complete trading processing (S410) according to normal process；
If promotional card is not default card, S406 is thened follow the steps；
The determining needs switching in payment end is traded using promotional card, and (determining method includes: to confirm in UI interface prompt user, or the strategy based on user preset automatically switches), (default card application to be used will be needed as transaction next time) (S406) in the PPSE at the AID write-in payment end of promotional card；
Payment end, which terminates, currently to be connect with the NFC communication of PoS machine, and the NFC communication (S407) with PoS machine is then restarted, and receives the selection PSE message (S408) that PoS machine is sent；End is paid the bill to PoS transmission selection PSE response (S409), the FCI of new PSE is provided in selection PSE response, uses updated PPSE, completion transaction；
After completion of transactions, default card can be modified back to former default card.
Another implementation based on PBOC/EMVCo technology:
Firstly, PoS machine before sending selection instruction, first sends preferential action message present on the machine to payment end,
And transaction amount.
Then, payment end is according to above- mentioned information, judges to have installed in current payment end and in the bank card application that activates and (can use), if having the promotional card for meeting favourable condition (type meets, and this amount of money is eligible)；If there is, further judge this promotional card whether be the setting of current payment end default card, if not, this promotional card is then adjusted to card to be used in this transaction and (is set as default card by the NG-SE at the AID write-in payment end of promotional card or temporarily, it can be confirmed based on user or the strategy of user setting before, allow to carry out such adjustment)；
Finally, PoS machine and payment end carry out trading processing according to EMVCo/PBOC normal process.
Fig. 5 is the flow chart of another implementation provided in an embodiment of the present invention based on EMVCo/PBOC.As shown in figure 5,
Before the trade, the preferential action message of the first kind (S501) for the bank card that payment end has been installed and activated from server acquisition, the preferential action message of the first kind includes that PoS information (has this preferential on which PoS, uniline (i.e. the arrangement person of PoS machine) can be received by PoS machine ID and/or PoS machine to determine), (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.).
Before starting transaction flow, payment termination receives PoS machine and passes through the NFC transaction amount sent and PoS machine information (S502)；
Payment termination receives the selection PPSE instruction (S503) of PoS machine transmission；
End is paid the bill according to the transaction amount and PoS machine information and the preferential action message of the first kind, determines the promotional card application for existing and meeting preferential activity condition, and judges the whether current default card (S504) of this promotional card application；
If promotional card is default card, responds GPO instruction and complete trading processing (S507) according to normal process；
If promotional card is not default card, S505 is thened follow the steps；
The determining needs switching in payment end is traded using promotional card, and (determining method includes: to confirm in UI interface prompt user, or the strategy based on user preset automatically switches), (default card application to be used will be needed as transaction next time) (S505) in the PPSE at the AID write-in payment end of promotional card；
The selection PSE of payment end response PoS machine instructs (S506), wherein provides the FCI of PSE in the response message, and completes trading processing according to existing normal process
After completion of transactions, default card can be modified back to former default card.
Fig. 6 is the flow chart of another implementation provided in an embodiment of the present invention based on EMVCo/PBOC.As shown in fig. 6,
Before starting transaction flow, the preferential action message of the second class (S601) paid the bill on the transaction amount and the PoS machine that end reception PoS machine is sent, the preferential action message of second class includes that (it is preferential which card can participate in this to preferential card information, it can be determined by the corresponding AID of promotional card), and need to meet favourable condition (such as transaction amount need to be more than or equal to 100 yuan, can reduce or remit 30 yuan etc.)；(explanation: the difference of the preferential action message of the first kind and the preferential action message of the second class is, the former is that payment end is obtained from server, for it is all can be potentially encountered have preferential movable PoS machine, therefore wherein containing the information of preferential activity PoS machine；The latter is to be directed to current PoS machine, there is no need to
Contain PoS machine information)
Payment termination receives the selection PPSE instruction (S602) of PoS machine transmission；
End is paid the bill according to the transaction amount and the preferential action message of the second class, determines the promotional card application for existing and meeting preferential activity condition, and judges the whether current default card (S603) of this promotional card application；
If promotional card is default card, PPSE is not modified, (S606) is traded according to existing PBOC transaction process flow；
If promotional card is not default card, S604 is thened follow the steps；
It determines to need to switch and be traded (determining method includes: to confirm in UI interface prompt user, or the strategy based on user preset automatically switches) using promotional card, and the AID of promotional card is written in the PPSE at payment end (S604)；
The selection PSE of payment end response PoS machine instructs (S605), and executes transaction.
After completion of transactions, default card can be modified back to former default card.
By mobile terminal, the determination before payment transaction meets preferential movable bank card to the embodiment of the present invention, and it automatically selects and uses the bank card business dealing, it solves and first selectes Payment Card in the prior art, then the information for determining promotional card is just obtained, and lead to not realize the problem of automatically selecting and using promotional card, the user experience is improved.
The embodiment of the present invention is suitable for mobile terminal.In some embodiments, the mobile terminal can be the portable mobile termianl of such as mobile phone, it is also possible to tablet computer, PDA (Personal Digital Assistant, personal digital assistant), the communication device of POS (Point of Sales, point-of-sale terminal), vehicle-mounted computer etc. with earphone interface.For ease of description, the embodiment of the present invention takes the mobile phone as an example exemplary illustration.
Fig. 7 is the block diagram of the part-structure of mobile phone 100 provided in an embodiment of the present invention.As shown in fig. 7, mobile phone 100 may include the components such as shell, display screen 640, memory 620, processor 680, antenna, radio circuit 610, locating module 695, sensor 650, other input equipments 630, I/O subsystem 670, voicefrequency circuit 660, power supply 690, earphone interface 200.It will be understood by those skilled in the art that handset structure shown in Fig. 7 does not constitute the restriction to mobile phone, it may include perhaps combining certain components than illustrating more or fewer components and perhaps splitting certain components or different component layouts.
Mobile phone 100 can have shell.Antenna for handling wireless communication can be accommodated in shell.Shell, also referred to as casing can be formed by any suitable material.Combination including plastics, glass, ceramics, metal or other suitable materials or these materials.In some embodiments, if the stem portion of shell or shell can be formed by dielectric or other low-conductivity materials；To which the work of the conductive antenna elements positioned at housing adjacent will not be interfered.If the stem portion of shell or shell can also be formed by conductive material (such as metal).The case where forming shell by hardware, one or more hardwares are used as a part of the antenna in mobile phone 100.
Display screen 640 can be used for showing information input by user or be supplied to the information of user and the various menus of mobile phone 100, can also receive user's input.Specific display screen 640 may include display panel 641 and touch panel 642.Wherein display panel 641 can configure display panel 641 using the forms such as LCD (Liquid Crystal Display, liquid crystal display), OLED (Organic Light-Emitting Diode, Organic Light Emitting Diode).Touch panel 642, also referred to as touch screen, touch-sensitive screen etc., the on it or neighbouring contact of collectable user or Touchless manipulation (for example user is using any suitable object or the operations on touch panel 642 or near touch panel 642 nearby such as finger, stylus, also may include somatosensory operation；The operation includes the action types such as single-point control operation, multiparty control operation.), and corresponding attachment device is driven according to preset formula.
Optionally, touch panel 642 may include both touch detecting apparatus and touch controller.Wherein, touch orientation, the posture of touch detecting apparatus detection user, and touch operation bring signal is detected, transmit a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and is converted into the information that processor is capable of handling, then give processor 680, and can receive order that processor 680 is sent and be executed.Furthermore, it is possible to realize touch panel 642 using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves, touch panel 642 can also be realized using any technology of future development.Further, touch panel 642 can cover display panel 641, user can (the display content includes but is not limited to according to the content that display panel 641 is shown, soft keyboard, virtual mouse, virtual key, icon etc.), on the touch panel 642 covered on display panel 641 or nearby operated, after touch panel 642 detects operation on it or nearby, processor 680 is sent to by I/O subsystem 670 to determine that user inputs, it is followed by subsequent processing device 680 and provides corresponding visual output on display panel 641 by I/O subsystem 670 according to user's input.Touch panel 642 and display panel 641 can be used as two independent components to realize the input and input function of mobile phone 100, but in some embodiments it is possible to touch panel 642 and display panel 641 is integrated and that realizes mobile phone 100 output and input function.
Mobile phone 100 can also include memory 620, and for storing computer executable program code, said program code includes instruction.Processor 680 is stored in the instruction of memory 620 by operation, thereby executing the various function application and data processing of mobile phone 100.Memory 620 can mainly include storing program area and storage data area.Wherein, storing program area can application program (such as sound-playing function, image player function etc.) needed for storage program area, at least one function etc..Storage data area, which can be stored, uses created data (such as audio data, phone directory etc.) etc. according to mobile phone 100.In addition, memory 620 may include high-speed random access memory, it can also include nonvolatile memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Mobile phone 100 can also include processor 680.Processor 680 is the control centre of mobile phone 100.Utilize the various pieces of various interfaces and connection whole mobile phone.By running or executing the software program and/or module that are stored in memory 620, and the data that calling is stored in memory 620, the various functions and processing data of mobile phone 100 are executed, to carry out integral monitoring to mobile phone.Optionally, processor 680 may include one or more processing units.Processor 680 can integrate application processor, modem processor, baseband module, management chip, memory, codec etc..Wherein, the main processing operation system of application processor, user interface and application program etc..Modem processor mainly handles wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 680.Processor 680 can be used and memory 620 realizes Internet protocol, protocol of wireless local area network (for example, IEEE702.11), 3G, 4G, 5G communication protocol etc..
Mobile phone 100 may include near field communication circuitry.Therefore, near-field communication can be used in mobile phone 100 and external equipment (such as, with the contactless gathering end equipment (for example, Pos machine) of NFC function) carries out wireless communication.For example, the near field communication circuitry in mobile phone 100 may include near-field emissions device and near-field receiver.Capacitive coupling near-field communication structure and/or inductive coupling near-field communication structure can be used to support the near-field communication for mobile phone 100.In near-field communication technology, wireless signal for example usually is conveyed at 1 meter or in shorter, 100 centimetres or shorter, 10 centimetres or shorter or 1 centimetre or shorter distance, rather than conveys wireless signal over a longer distance.
Mobile phone 100 can also include antenna, for emitting, receiving radiofrequency signal.Antenna can be located at any position in mobile phone 100.The position of the antenna of signal of the embodiment of the present invention is merely illustrative.Mobile phone 100 can have one or more antennas.Each antenna in mobile phone 100 can be used for covering single or multiple communication bands.
Mobile phone 100 further includes radio circuit 610.For receive and send messages or communication process in, signal sends and receivees.For example, being sent to the processing of processor 680 after the downlink information of reception base station.In addition, the data of uplink are sent to base station.In general, radio circuit 610 includes at least one power amplifier 609, transceiver 608, coupler, LNA (Low Noise Amplifier, low-noise amplifier), duplexer etc..In addition, radio circuit 610 can also be communicated with network and other equipment by wireless communication.Any communication standard or agreement can be used in the wireless communication, including but not limited to GSM (Global System of Mobile communication, global system for mobile communications), GPRS (General Packet Radio Service, general packet radio service), CDMA (Code Division Multiple Access, CDMA), WCDMA (Wideband Code Division Multiple Access, wideband code division multiple access), LTE (Long Term Evolution, long term evolution), Email, SMS (S Hort Messaging Service, short message service) etc..
Optionally, mobile phone 100 can also include locating module 695.Locating module is for detecting position, orientation of mobile phone 100 etc..Various positioning services can be used to execute for the detection of the position or orientation of mobile phone 100, such as global positioning system (Global Positioning System, GPS), assist type GPS (Assisted GPS, A-GPS), based on cellular phone base station triangulation or trilateration to registered cellular phone, GALILEO positioning system or other positioning or location-based service or technology.Various hardware, software and combinations thereof can be used to detect other orientations in the position or orientation of mobile phone 100, such as GPS unit, accelerometer and mobile phone 100 and move detection service or technology.
Mobile phone 100 can also include sensor 650, may include proximity sensor, ambient light sensor, accelerometer sensor etc..Wherein, ambient light sensor can adjust the brightness of display panel 641 according to the light and shade of ambient light, and proximity sensor can close display panel 641 and/or backlight when mobile phone 100 is moved in one's ear.
Proximity sensor may include such as light emitting diode (LED) and associated photodetector, such as photodiode.Light emitting diode can be infrared light-emitting diode, launch outward infrared light by light emitting diode.The infrared external reflection light from neighbouring object is detected using photodiode.When detecting sufficient reflected light, it can determine that mobile phone 100 nearby has object.When detecting insufficient reflected light, it can determine mobile phone 100 nearby without object.
Ambient light sensor can be the photodiode or other optical sensors being able to detect into light.Ambient light sensor may operate in visible spectrum and/or infrared spectroscopy.When ambient light sensor is not obscured by an object, relative to when ambient light sensor is obscured by an object, ambient light sensor will generally receive more light 13, therefore ambient light sensor can be used and generate proximity data.The data can be used alone or be used in combination with the proximity data of other sensors, so that mobile phone 100 more accurately determines near mobile phone either with or without object.
Accelerometer sensor can detect the size of (generally three axis) acceleration in all directions.It can detect that size and the direction of gravity when mobile phone 100 is static.Accelerometer sensor can be used to identify the application (such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating) of mobile phone posture, Vibration identification correlation function (such as pedometer, percussion) etc..Accelerometer can be used and determine whether mobile phone 100 just hold by user in movement (may be held by user) or mobile phone 100, thus its left edge right hand edge is face-down or mobile phone 100 whether just it is horizontal positioned on the table.If it is determined that mobile phone 100 be it is horizontal and be it is static, can determine that mobile phone 100 is less likely to be held.The data can with from proximity sensor data and other data combine, to assist the reading for determining that other sensors from mobile phone 100 obtain whether accurate.
Mobile phone 100 can come from the signal of multiple sensor devices (for example, proximity sensor, ambient light sensor etc.) with parallel processing, determine whether mobile phone 100 nearby has object, improve the accuracy of distance between determining mobile phone 100 and object.
The other sensors such as the gyroscope, barometer, hygrometer, thermometer, the infrared sensor that can also configure as mobile phone 100, details are not described herein.
Other input equipments 630 can be used for receiving the number or character information of input, and generate key signals input related with the user setting of mobile phone 100 and function control.Specifically, other input equipments 630 may include but be not limited to one of physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick, light mouse (extension that light mouse is the touch sensitive surface for not showing the touch sensitive surface visually exported, or formed by touch screen) etc. or a variety of.Other input equipments 630 are connected with other input device controls devices 671 of I/O subsystem 670, carry out signal interaction with processor 680 under the control of other equipment input controller 671.
Voicefrequency circuit 660, loudspeaker 161, microphone 162 can provide the audio interface between user and mobile phone 100.Signal after the audio data received conversion can be transferred to loudspeaker 161 by voicefrequency circuit 660, be converted to voice signal output by loudspeaker 161.On the other hand, the voice signal of collection is converted to signal by microphone 162, audio data is converted to after being received by voicefrequency circuit 660, then audio data is exported to radio circuit 610 to be sent to such as another mobile phone, or audio data is exported to memory 620 to be further processed.
User can insert an earphone into earphone interface 200, and the pin of earphone interface 200 is connect with earphone, and the microphone and left and right acoustic channels earpiece of earphone can provide the audio interface between user and mobile phone 100.Voicefrequency circuit 660 audio data can be converted after signal, be transferred to the left and right acoustic channels earpiece of earphone, be converted to voice signal output.On the other hand, the voice signal of collection is converted to electric signal by ear microphone, electric signal is transferred to voicefrequency circuit 660 by earphone interface, and then be converted to audio data to be further processed.
I/O subsystem 670 is used to control the external equipment of input and output, may include other equipment input controller 671, sensor controller 672, display controller 673.Optionally, other one or more input control apparatus controllers 671 receive signal from other input equipments 630 and/or send signal to other input equipments 630, other input equipments 630 may include physical button (push button, rocker buttons etc.), dial, slide switch, control stick, click idler wheel, light mouse (extension that light mouse is the touch sensitive surface for not showing the touch sensitive surface visually exported, or formed by touch screen).It is worth noting that other input control apparatus controllers 671 can be connect with any one or multiple above equipments.Display controller 673 in the I/O subsystem 670 receives signal from display screen 640 and/or sends signal to display screen 640.After display screen 640 detects user's input, user's input that display controller 673 will test is converted to and is shown in the interaction of the user interface object on display screen 640, i.e. realization human-computer interaction.Sensor controller 672 can receive signal from one or more sensor 650 and/or send signal to one or more sensor 650.
Mobile phone 100 further includes the power supply 690 (such as battery) powered to all parts.Preferably, power supply can be logically contiguous by power-supply management system and processor 680, to realize the functions such as management charging, electric discharge and power consumption by power-supply management system.
Although being not shown, mobile phone 100 can also include camera, bluetooth module etc., and details are not described herein.
In the embodiment of the present invention, promotional card be can be with preferential movable bank card.Preferential activity can be by the ownership bank of each bank card or the action message of the Cash collecting equipment person of holding publication.
It should be noted that, in embodiments of the present invention, such as first, second or the like relational terms are only used to distinguish one entity or operation from another entity or operation, without necessarily requiring or implying there are any actual relationship or orders between these entities or operation.And, the terms "include", "comprise" or any other cover non-exclusive inclusion, so that the process, method, article or equipment for including a series of elements not only includes those elements, it but also including other elements that are not explicitly listed, or further include for elements inherent to such a process, method, article, or device.In the absence of more restrictions, the element limited by sentence " including ... ", " including ... ", it is not excluded that there is also other identical elements in the process, method, article or apparatus that includes the element.
Those of ordinary skill in the art will appreciate that implementing the method for the above embodiments is that can be completed by program come instruction processing unit, the program can store in computer readable storage medium, the storage medium is non-transitory (English: non-transitory) medium, such as random access memory, read-only memory, flash memory, hard disk, solid state hard disk, tape (English: magnetic tape), floppy disk (English: floppy disk), CD (English: optical disc) and any combination thereof.
The present invention is described referring to the method and apparatus respective flow chart and block diagram of the embodiment of the present invention.It should be understood that the combination of each process in flow chart and block diagram and the process in box and flow chart and block diagram and box can be realized by computer program instructions.These computer program instructions be can provide to the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to generate a machine, so that generating by the instruction that computer or the processor of other programmable data processing devices execute for realizing the device for the function of specifying in one or more flows of the flowchart and one or more blocks of the block diagram.
Claims (12)
- A kind of method of mobile payment is suitable for mobile terminal, it is characterised in that:The mobile terminal receives the first message from gathering end equipment；According to the first message, the first account for existing and meeting preset condition is determined；Mobile payment is carried out using first account.
- The method as described in claim 1, which is characterized in that the first message includes transaction amount and Cash collecting equipment mark.
- Method according to claim 2, which is characterized in that the method also includes before the mobile terminal receives the first message from gathering end equipment, the mobile terminal requests the transaction amount and Cash collecting equipment mark to the gathering end equipment.
- The method according to claim 1, it is characterized in that, the method also includes: when first account is default account, obtain the first PPSE, it include the first PPSE, the application identities comprising the default account in the first PPSE in the first message.
- The method according to claim 1, it is characterized in that, the method also includes: when first account is not default account, obtain the 2nd PPSE, and second message is sent to the Cash collecting equipment, include the 2nd PPSE in the second message, includes the application identities of first account in the 2nd PPSE.
- Such as method described in any one of claim 1 to 5, it is characterized in that, the method also includes: the mobile terminals obtained from server registered bank card ownership bank action message, the action message includes Cash collecting equipment mark, bank card mark and activity condition.
- The method as described in claim 1, which is characterized in that the first message includes the action message of transaction amount and Cash collecting equipment.
- The method of claim 7, which is characterized in that the method also includes before the mobile terminal receives the first message from gathering end equipment, the mobile terminal requests the transaction amount and Cash collecting equipment mark to the gathering end equipment.
- Method as claimed in claim 7 or 8, it is characterized in that, the method also includes: when first account is default account, obtain the first PPSE, it include the first PPSE, the application identities comprising the default account in the first PPSE in the first message.
- Method as claimed in claim 7 or 8, it is characterized in that, the method also includes: when first account is not default account, obtain the 2nd PPSE, and second message is sent to the Cash collecting equipment, include the 2nd PPSE in the second message, includes the application identities of first account in the 2nd PPSE.
- A kind of mobile payment device, it is characterized in that, including memory, processor and storage are on a memory and the computer program that can run on a processor, it is characterized in that, the processor makes the mobile payment device realize the step as described in claim 1-10 any one when executing described program.
- A kind of computer readable storage medium, including instruction, when described instruction is run on mobile payment device, so that the mobile payment device executes the method as described in claim 1-10 any one.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710061356X | 2017-01-25 | ||
| CN201710061356 | 2017-01-25 | ||
| PCT/CN2017/089109 WO2018137308A1 (en) | 2017-01-25 | 2017-06-20 | Mobile payment method and device, and storage medium |
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| Publication Number | Publication Date |
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| CN108604340A true CN108604340A (en) | 2018-09-28 |
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| CN201780005446.5A Pending CN108604340A (en) | 2017-01-25 | 2017-06-20 | A kind of method of mobile payment, device and storage medium |
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| CN (1) | CN108604340A (en) |
| WO (1) | WO2018137308A1 (en) |
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| CN115018483A (en) * | 2021-11-19 | 2022-09-06 | 荣耀终端有限公司 | Application processing method, terminal device and storage medium |
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| WO2018137308A1 (en) | 2018-08-02 |
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Application publication date: 20180928 |