CN118154182A - NFC-based payment method and related device - Google Patents

Abstract

The application discloses a payment method and a related device based on NFC, which are used for completing payment when a network is unstable. The NFC-based payment method of the application comprises the following steps: the POS terminal and the mobile terminal establish NFC communication connection; based on the NFC communication connection, the POS terminal sends address information of a payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

Description

NFC-based payment method and related device

Technical Field

The present application relates to movement the technical field of payment is that, and more particularly to an NFC-based payment method and related apparatus.

Background

The popular payment mode in the market is two-dimensional code payment, which is a new generation wireless payment scheme based on an account system. Under the two-dimension code payment scheme, merchants can compile transaction information such as account numbers, commodity prices and the like into a two-dimension code, and print the two-dimension code on various paper carriers for release. The client scans the two-dimension code through the mobile phone client or the merchant scans the payment code of the client by using the electronic payment tool, so that the transaction can be realized. However, two-dimensional code payment depends on the stability of the network, and cannot be completed when the network signal is unstable or there is no network signal.

Disclosure of Invention

In order to solve the technical problems, the application provides a payment method based on NFC and a related device, which are used for completing payment when a network is unstable.

The following describes the technical scheme provided in the present application:

the first aspect of the present application provides an NFC-based payment method, including:

the POS terminal and the mobile terminal establish NFC communication connection;

based on the NFC communication connection, the POS terminal sends address information of a payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

Optionally, after the POS terminal establishes the NFC communication connection with the mobile terminal, the method further includes:

The POS terminal sends the obtained custom information to the mobile terminal, wherein the custom information comprises at least one of text information, image information, audio information and video information, so that the mobile terminal performs verification and/or confirms payment operation according to the custom information.

Optionally, the custom information is information configured to the payment webpage.

Optionally, the address information and/or the custom information is a data packet encapsulated according to NFC protocol specification.

Optionally, the data packet is an encrypted data packet.

Optionally, the address information written into the analog card area of the POS terminal by the card analog function is address information that is not repeated in the analog card area.

Optionally, after the POS terminal obtains the address information of the payment webpage in advance, writing the address information into a card simulation area of the POS terminal through a card simulation function, including:

The POS terminal establishes a storage subunit of an analog card area in a storage unit of the POS terminal;

and after the POS terminal acquires the address information of the payment webpage in advance, the address information is written into a storage subunit of the analog card area.

A second aspect of the present application provides a POS terminal, comprising:

the method comprises the steps of establishing a connection unit for establishing NFC communication connection with a mobile terminal;

The mobile terminal comprises a first sending unit, a second sending unit and a third sending unit, wherein the first sending unit is used for sending address information of a payment webpage to the mobile terminal based on the NFC communication connection, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then carries out payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

Optionally, after the first sending unit, the method further includes:

And the second sending unit is used for sending the acquired custom information to the mobile terminal, wherein the custom information comprises at least one of text information, image information, audio information and video information, so that the mobile terminal performs verification and/or confirms payment operation according to the custom information.

Optionally, the first sending unit is specifically configured to:

The POS terminal establishes a storage subunit of an analog card area in a storage unit of the POS terminal;

and after the POS terminal acquires the address information of the payment webpage in advance, the address information is written into a storage subunit of the analog card area.

A third aspect of the present application provides an electronic device comprising:

A processor, a memory, an input-output unit, and a bus;

the processor is connected with the memory, the input/output unit and the bus;

The memory holds a program that the processor invokes to perform the NFC-based payment method of the first aspect and any of the alternatives of the first aspect.

A fourth aspect of the application provides a computer readable storage medium having stored thereon a program which when executed on a computer performs the NFC-based payment method of the first aspect and optionally of any of the first aspects.

From the above technical scheme, the application has the following advantages:

According to the NFC-based payment method, firstly, NFC communication connection is established between a POS terminal and a mobile terminal; and based on the NFC communication connection, the POS terminal sends the address information of the payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation. Therefore, NFC communication between the POS terminal and the mobile terminal of the NFC-based payment method can directly access the payment webpage established by the merchant according to the address information to finish payment, the requirement on the network is lower, and the client is more 'non-sensitive' to the payment process and is more convenient.

Drawings

In order to more clearly illustrate the technical solutions of the present application, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a schematic flow chart of an embodiment of a payment method based on NFC provided by the present application;

Fig. 2 is a flowchart of another embodiment of an NFC-based payment method provided by the present application;

Fig. 3 is a flowchart of another embodiment of an NFC-based payment method provided by the present application;

FIG. 4 is a schematic diagram illustrating the structure of a POS terminal according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of an embodiment of an electronic device according to the present application.

Detailed Description

It should be noted that, the payment method based on NFC provided by the present application may be applied to a terminal or a system, and may also be applied to a server, for example, the terminal may be a smart phone or a computer, a tablet computer, a smart television, a smart watch, a portable computer terminal may also be a fixed terminal such as a desktop computer. For convenience of explanation, the present application is exemplified by using the terminal as the execution subject.

Referring to fig. 1, an NFC-based payment method according to an embodiment of the first aspect of the present application may include, but is not limited to:

step S101, a POS terminal and a mobile terminal establish NFC communication connection;

Step S102, based on the NFC communication connection, the POS terminal sends address information of a payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

According to the NFC-based payment method, NFC communication connection is established between the POS terminal and the mobile terminal; and based on the NFC communication connection, the POS terminal sends the address information of the payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation. It should be noted that Near Field Communication (NFC) is an emerging technology, and devices using the NFC technology can exchange data in a state of being close to each other. The NFC card emulation function is to set a virtual card on a device with an NFC communication function, where the virtual card has a function of implementing a corresponding physical card, so that the device can emulate the physical card to implement the function. The POS terminal has previously acquired address information of the payment web page, that is, has completed the necessary network communication in advance. The communication between the POS terminal and the mobile terminal of the client is NFC communication, the NFC communication is independent of a network, and even if the network is unstable or even no network exists, the communication between the POS terminal and the mobile terminal is smooth. And NFC communication is fast and convenient, the payment association of the POS terminal and the mobile terminal is completed under the condition that a customer does not feel, and the payment process is more convenient.

In step S101 of some embodiments, the POS terminal establishes an NFC communication connection with the mobile terminal. In order to avoid the payment mode depending on the network, the embodiment of the application selects the payment mode using NFC communication, and the POS terminal and the mobile terminal are required to establish NFC payment association, so that the client uses the mobile terminal to carry out payment operation. The POS terminal is a terminal reader with bar codes or OCR codes and has cash or easy goods amount cashing function. The main task is to provide data service and management functions for commodity and media transactions and to conduct cashless settlement. The card simulation function of the POS terminal is different from that of other NFC devices in that the POS terminal does not need an entity card to exist or apply for a virtual card to the issuer, while the card simulation function of other NFC devices (such as a mobile phone) needs an entity card or applies for a virtual card. When the mobile terminal and the POS terminal establish communication, the POS terminal sends an NFC signal to the mobile terminal, and the mobile terminal receives the NFC signal, so that NFC payment association between the POS terminal and the mobile terminal is established. It should be noted that the communication established between the mobile terminal and the POS terminal may be such that the distance between the mobile terminal and the POS terminal is within the NFC communication range, so that signals and data can be mutually transferred between the POS terminal and the mobile communication. For example, when a customer needs to pay, the customer turns on the NFC function of the mobile terminal and brings the mobile terminal close to the POS terminal so that the mobile terminal can receive the NFC signal sent by the POS terminal. The mobile terminal then establishes a payment association with the POS terminal in response to the NFC signal.

In step S102 of some embodiments, the POS terminal sends address information of a payment webpage to the mobile terminal based on the NFC communication connection, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and performs a payment operation. In order for the mobile terminal to perform subsequent payment operations, the mobile terminal is required to acquire address information of a payment webpage to jump to the payment webpage. And finally, the mobile terminal completes payment operation according to the instruction of the client on the payment page operation. In order to solve the problem that network communication is inconvenient to use in the follow-up process, the embodiment of the application adopts an NFC payment mode to carry out payment, so that a POS terminal is required to write some payment information into an own simulation card area in advance, and the payment information comprises address information of a payment webpage.

Referring to fig. 2, according to some embodiments of the present invention, in addition to the address information in step S102 needs to be sent to the mobile terminal of the client, some corresponding custom information needs to be sent to the mobile terminal, which may specifically include, but is not limited to, the following:

step S201, the POS terminal and the mobile terminal establish NFC communication connection;

Step S202, based on the NFC communication connection, the POS terminal sends address information of a payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation;

Step S203, the POS terminal sends the obtained custom information to the mobile terminal, where the custom information includes at least one of text information, image information, audio information, and video information, so that the mobile terminal performs verification and/or confirms payment operation according to the custom information.

In steps S201 to S203 of some embodiments, the POS terminal and the mobile terminal are first allowed to establish NFC communication connection; based on the NFC communication connection, the POS terminal sends address information of the payment webpage to the mobile terminal; and then the POS terminal sends the obtained custom information to the mobile terminal. Sometimes, the merchant has other custom information to be transmitted to the customer according to the own business requirement and the requirement of the payment platform, and the specific custom information is at least one of text information, image information, audio information and video information, so that besides address information, the custom information needs to be sent to the mobile terminal. It should be noted that, the above-mentioned custom information is information configured to the payment webpage, wherein the text information is important information or prompt provided by the merchant to the customer, the image information is an appearance picture of some goods or services displayed by the merchant, the audio information is voice prompt or advertisement voice, and the video information is detailed description video of some goods or services displayed by the merchant to the user. In summary, the mobile terminal obtains the address information and the custom information sent by the POS terminal through the NFC communication manner, and first transfers to the payment address according to the address information, and then verifies and/or confirms the payment operation according to the custom information, and finally completes the network-free payment, and the payment process is fast and convenient.

In some embodiments, in order to enable the address information and/or the custom information to be successfully transmitted in the NFC communication channel, the address information and/or the custom information needs to be encapsulated according to the NFC protocol specification, so as to obtain an encapsulated data packet. For example: and the merchant terminal encapsulates the address information and/or the custom information of the pre-established payment webpage into a data packet according to the NDEF of the NFC protocol. It is noted that the lightweight, compact binary format (NFC Data Exchange Format, NDEF) is a standardized data format in the NFC protocol that can be used to exchange information between any compatible NFC device and another NFC device or tag. NDEF consists of various data records that contain specific payloads and have specific structures to identify the content and size of the record. The payment webpage comprises the functions of inputting payment information, selecting a payment platform, displaying a payment result and the like. Further, the merchant server transmits the data packet to the POS terminal, i.e., writes the data packet into the POS terminal.

In the above embodiment, in order to improve the security of the payment process, it is further necessary to encrypt the data packet to obtain the encrypted data packet, and decrypt and/or verify the data packet in the subsequent steps, which may specifically include, but is not limited to: the merchant terminal adds an encryption process in the step of encapsulating the address information and/or the custom information into a data packet according to the NFC protocol specification, for example: the merchant terminal encrypts the URL and the payment information by using a secret key according to an AES encryption algorithm to obtain encrypted data; and processing the secret key and the encrypted data according to the MAC algorithm, generating a transmitting end check code, and finally packaging the secret key, the encrypted data and the transmitting end check code into a data packet by the merchant server according to the NDEF of the NFC protocol. Further, after receiving the data packet, the mobile terminal analyzes the data packet according to the NFC protocol to obtain a secret key, encrypted data and a transmitting end check code; then processing the secret key and the encrypted data according to the MAC algorithm and generating a receiving end check code; further comparing the receiving end check code with the transmitting end check code, and if the receiving end check code and the transmitting end check code are consistent, indicating that the secret key and the encrypted data are not tampered; and finally, decrypting the encrypted data by using the secret key to obtain address information and/or custom information. Multiple encryption, decryption and verification can meet the requirement of high security level.

In some embodiments, to avoid writing multiple duplicate packets in the analog card area of the POS terminal, the packets need to be screened, so that the address information written into the analog card area of the POS terminal by the card emulation function is address information that is not duplicated in the analog card area.

Referring to fig. 3, according to some embodiments of the present invention, the process of writing and storing data is also different because the card emulation function of the POS terminal is different from that of other NFC devices due to the specificity of the POS terminal structure and function. After the POS terminal obtains the address information of the payment webpage in advance, the step of writing the address information into the analog card area of the POS terminal through the card analog function may specifically include, but is not limited to, the following steps:

step S301, the POS terminal establishes a storage subunit of an analog card area in a storage unit of the POS terminal;

step S302, after the POS terminal obtains the address information of the payment webpage in advance, the POS terminal writes the address information into the storage subunit of the analog card area.

In steps S301 to S302 of some embodiments, a POS terminal first establishes a storage subunit of an analog card area in its own storage unit; and after the POS terminal acquires the address information of the payment webpage in advance, writing the address information into a storage subunit of the analog card area. In order to further meet the requirement that the POS terminal transmits the data packet in the manner of NFC communication, a storage subunit belonging to the analog card area needs to be opened up in the storage unit of the POS terminal. The analog card area can meet the card analog function, namely, the analog card of the POS terminal can conduct NFC data interaction. It should be noted that, since the communication manner between the POS terminal and the mobile terminal in the subsequent step is NFC communication, the data packet stored in the POS terminal should conform to the format of the NFC protocol. Thus, the storage format of the storage subunit of the analog card section established by the POS terminal in its own storage unit also conforms to the NFC protocol, so that data packets can be transmitted from the POS terminal to the mobile terminal by NFC communication.

In some embodiments, the data packet may be transmitted to the mobile terminal by the POS terminal, and if the merchant has a need to change the custom information, the data packet may also be operated on the POS terminal. For example, when payment information such as commodity price or quantity needs to be modified, the POS terminal analyzes the data packet according to the NFC protocol to obtain analyzed address information and custom information; then modifying commodity price or quantity and the like in the self-defined information according to an operation instruction made by a merchant on the POS terminal; and finally, repackaging the modified address information and the custom information into a new data packet and transmitting the new data packet to the mobile terminal.

The above embodiments introduce the NFC-based payment method provided by the present application, and the following describes embodiments of a POS terminal, an electronic device, and a storage medium provided by the present application:

Referring to fig. 4, the POS terminal includes:

a connection unit 401, configured to establish an NFC communication connection with a mobile terminal;

A first sending unit 402, configured to send address information of a payment webpage to the mobile terminal based on the NFC communication connection, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and performs a payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

Optionally, after the connection unit 401 is established, the method further includes:

a second sending unit 403, configured to send custom information to the mobile terminal, where the custom information includes text information, image information, audio information, and video information.

Optionally, the first sending unit 402 is specifically configured to:

The POS terminal establishes a storage subunit of an analog card area in a storage unit of the POS terminal;

and after the POS terminal acquires the address information of the payment webpage in advance, the address information is written into a storage subunit of the analog card area.

The present application also provides an electronic device, referring to fig. 5, the payment device includes:

A processor 501, a memory 502, an input/output unit 503, and a bus 504;

the processor 501 is connected to the memory 502, the input/output unit 503, and the bus 504;

The memory 502 holds a program that the processor 501 invokes to perform the NFC-based payment method as shown in the embodiments of fig. 1, 2 or 3.

The application also relates to a computer readable storage medium having a program stored thereon, characterized in that the program, when run on a computer, causes the computer to perform the NFC-based payment method as shown in the embodiments of fig. 1, 2 or 3.

It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein.

In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied essentially or in part or all of the technical solution or in part in the form of a software product stored in a storage medium, including instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a random-access memory (RAM, random access memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.

Claims (10)

1. An NFC-based payment method, the payment method comprising:

the POS terminal and the mobile terminal establish NFC communication connection;

based on the NFC communication connection, the POS terminal sends address information of a payment webpage to the mobile terminal, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then performs payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

2. The payment method as recited in claim 1, further comprising, after the POS terminal establishes an NFC communication connection with a mobile terminal:

The POS terminal sends the obtained custom information to the mobile terminal, wherein the custom information comprises at least one of text information, image information, audio information and video information, so that the mobile terminal performs verification and/or confirms payment operation according to the custom information.

3. The payment method as recited in claim 2, wherein the custom information is information configured to the payment web page.

4. Payment method according to claim 2, wherein the address information and/or the custom information is a data packet encapsulated according to NFC protocol specifications.

5. The payment method of claim 4, wherein the data packet is an encrypted data packet.

6. The payment method as set forth in claim 1, wherein the address information written into the analog card area of the POS terminal by the card analog function is address information that is not repeated in the analog card area.

7. The payment method according to any one of claims 1 to 6, wherein writing the address information of the payment web page, which is acquired in advance by the POS terminal, into a simulated card area of the POS terminal by a card simulation function includes:

The POS terminal establishes a storage subunit of an analog card area in a storage unit of the POS terminal;

and after the POS terminal acquires the address information of the payment webpage in advance, the address information is written into a storage subunit of the analog card area.

8. A POS terminal, comprising:

the method comprises the steps of establishing a connection unit for establishing NFC communication connection with a mobile terminal;

The mobile terminal comprises a first sending unit, a second sending unit and a third sending unit, wherein the first sending unit is used for sending address information of a payment webpage to the mobile terminal based on the NFC communication connection, so that the mobile terminal jumps to the payment webpage based on the address information of the payment webpage and then carries out payment operation; the payment webpage is a preconfigured webpage, and the address information of the payment webpage is address information written into a simulation card area of the POS terminal through a card simulation function after the POS terminal acquires the address information of the payment webpage in advance.

9. An electronic device, the apparatus comprising:

A processor, a memory, an input-output unit, and a bus;

the processor is connected with the memory, the input/output unit and the bus;

The memory holds a program that the processor invokes to execute the payment method as claimed in any one of claims 1 to 7.

10. A computer readable storage medium having stored thereon a program which, when executed on a computer, performs the payment method of any of claims 1 to 7.