WO2016082751A1 - 一种非接触支付方法、装置及*** - Google Patents

一种非接触支付方法、装置及*** Download PDF

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Publication number
WO2016082751A1
WO2016082751A1 PCT/CN2015/095472 CN2015095472W WO2016082751A1 WO 2016082751 A1 WO2016082751 A1 WO 2016082751A1 CN 2015095472 W CN2015095472 W CN 2015095472W WO 2016082751 A1 WO2016082751 A1 WO 2016082751A1
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WIPO (PCT)
Prior art keywords
payment
application
amount
default
terminal
Prior art date
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PCT/CN2015/095472
Other languages
English (en)
French (fr)
Inventor
梅敬青
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华为技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 华为技术有限公司 filed Critical 华为技术有限公司
Priority to JP2017528089A priority Critical patent/JP6496408B2/ja
Priority to US15/529,855 priority patent/US20170286948A1/en
Priority to KR1020177017202A priority patent/KR20170087491A/ko
Priority to EP15863445.1A priority patent/EP3214593A4/en
Publication of WO2016082751A1 publication Critical patent/WO2016082751A1/zh

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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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • the present invention relates to the field of communications, and in particular, to a contactless payment method, apparatus, and system.
  • the non-contact payment is a short-distance payment method in which the payment card directly generates a wireless signal connection between the bank card or the payment terminal and the payment terminal, and the payment terminal processes the payment transaction according to the account information of the bank card or the payment terminal.
  • the contactless payment application is an application installed on a payment terminal for completing a payment transaction.
  • a contactless payment application in a payment terminal can usually simulate a bank card, and different contactless payment applications can simulate different bank cards.
  • the non-contact sales terminal (English: Point Of Sale; referred to as: POS) machine can realize automatic transfer of funds through the network.
  • POS Point Of Sale
  • the payment terminal installed with the contactless payment application is near the surface of the non-contact POS machine, the payment terminal can complete the payment action with the non-contact POS machine by radio wave transmission.
  • a payment terminal installed with a contactless payment application can be linked to the contactless payment application through a Tap&Pay function, and the existing payment terminal only supports setting a default contactless payment application when performing a payment action.
  • the payment terminal uses the default contactless payment application to simulate the bank card corresponding to the contactless payment application for payment of funds. Different non-contact payment applications have different payables in the corresponding bank card. If the bank card corresponding to the default contactless payment application set by the user is a bank card with a higher payment amount, such as a credit card, the payment needs to be contactless.
  • the password and signature are input on the POS machine; if the bank card corresponding to the default contactless payment application set by the user is a bank card with a lower payment amount, such as an electronic cash card, the password and signature need not be input on the non-contact POS machine.
  • the present invention provides a contactless payment method, device and system.
  • the technical solution is as follows:
  • a non-contact payment method for a payment terminal.
  • the payment terminal has at least two default contactless payment applications, and each default contactless payment application corresponds to a credit interval.
  • the method includes:
  • the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located;
  • the at least two default contactless payment applications are sequentially arranged in an order of a payable amount or a priority, before the payment amount of the transaction is obtained.
  • the method also includes:
  • the obtaining the at least one threshold value includes:
  • the actual payable amount of the at least one default contactless payment application of the at least two default contactless payment applications is obtained as the at least one demarcation amount value.
  • the first achievable manner and the second achievable manner, in the third achievable manner the first loyalty card application is set in the payment terminal, and the payment amount of the obtained transaction includes :
  • the payment amount is obtained in the first membership card application.
  • any one of the first implementable manner and the second implementable manner is implemented.
  • two default contactless payment applications exist in the payment terminal.
  • Each default contactless payment application corresponds to a quota interval, and the two quota intervals corresponding to the two default contactless payment applications are consecutive and do not overlap, and the two quota intervals corresponding to the two default contactless payment applications are a dividing line value is obtained, and the second membership card application is set in the payment terminal;
  • the payment amount of the obtained transaction includes:
  • the first demarcation amount value is used to query the preset membership card application and the membership card information relationship to obtain the second membership card application corresponding to the second membership card information, and send the accumulated amount as the payment amount to the Second membership card application;
  • the payment amount is obtained in the second membership card application.
  • the payment amount of the obtained transaction includes:
  • the payment amount sent by the payment terminal is received by a near field communication NFC message.
  • the application identifier of the first default payment application is sent to the collection Before the terminal, the method further includes:
  • the application identifier of the first default payment application is configured into the PPSE.
  • a contactless payment method for a payment terminal, the method comprising:
  • the payment terminal Receiving, by the payment terminal, an application identifier of the first default payment application, where the payment terminal has at least two default contactless payment applications, each default contactless payment application corresponding to one credit interval, and the at least two default contactless payment
  • the at least two credit intervals corresponding to the application are consecutive and do not overlap
  • the first default payment application is that the payment terminal determines the default contactless payment corresponding to the credit interval in which the payment amount is located after obtaining the payment amount of the transaction.
  • a first member card application is set in the payment terminal, and the sending the payment amount to the payment terminal includes:
  • the payment amount is sent to the first loyalty card application of the payment terminal, so that the payment terminal obtains the payment amount in the first loyalty card application.
  • each default contactless payment application corresponds to one credit interval
  • the two default contactless The two credit intervals corresponding to the payment application are consecutively and do not overlap, and the two credit intervals corresponding to the two default contactless payment applications are obtained by dividing the first threshold value, and the second membership card application is set in the payment terminal.
  • the sending the payment amount to the payment terminal includes:
  • the sending the payment amount to the payment terminal includes:
  • the payment amount is transmitted to the payment terminal through a near field communication NFC message.
  • a contactless payment method for a payment terminal, the method comprising:
  • an application identifier of at least two default contactless payment applications where there are at least two default contactless payment applications, and each default contactless payment application corresponds to an amount interval, the at least two defaults
  • the quota interval corresponding to the contactless payment application is continuous and does not overlap;
  • an application identifier of the first default payment application where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located;
  • the performing according to the at least two default non-connections Touching the application identifier of the payment application to obtain the application identifier of the first default payment application including:
  • the application identifier of the default contactless payment application corresponding to the credit interval in which the payment amount is located is used as the application identifier of the first default payment application according to the correspondence between the application identifier of the preset contactless payment application and the credit interval.
  • the obtaining, according to the application identifiers of the at least two default contactless payment applications, obtaining an application identifier of the first default payment application including:
  • a contactless payment device for a payment terminal, wherein at least two default contactless payment applications exist in the payment terminal, and each default contactless payment application corresponds to a credit interval, and the contactless payment
  • the device includes:
  • a first obtaining unit configured to obtain a payment amount of the transaction
  • a determining unit configured to determine, in the at least two consecutive and non-overlapping credit intervals corresponding to the at least two default contactless payment applications, a quota interval in which the payment amount is located;
  • a second obtaining unit configured to obtain an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located;
  • a sending unit configured to send the application identifier of the first default payment application to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the at least two default contactless payment applications are sequentially arranged in an order of a payable amount or a priority
  • the contactless payment device further includes include:
  • a selecting unit configured to select, from the contactless payment application existing in the payment terminal, at least two contactless payment applications as the at least two default contactless payment applications;
  • a third obtaining unit configured to obtain at least one demarcation amount value
  • a processing unit configured to obtain, according to the at least one demarcation amount value and the arrangement order of the at least two default contactless payment applications, an amount interval corresponding to the at least two default contactless payment applications.
  • the third obtaining unit is specifically configured to:
  • the actual payable amount for acquiring at least one default contactless payment application in the at least two default contactless payment applications is used as the at least one demarcation amount value.
  • any one of the first implementable manner and the second implementable manner is implemented.
  • the first member card application is set in the payment terminal.
  • the first obtaining unit includes:
  • a first sending module configured to send the first member card information to the receiving terminal, so that the receiving terminal can query the preset membership card application and the membership card information according to the first member card information to obtain The first loyalty card application corresponding to the first loyalty card information, and sending the payment amount to the first loyalty card application;
  • a first obtaining module configured to obtain the payment amount in the first membership card application.
  • any one of the first implementable manner and the second implementable manner is implemented.
  • two default contactless payment applications exist in the payment terminal.
  • Each default contactless payment application corresponds to a quota interval, and the two quota intervals corresponding to the two default contactless payment applications are consecutive and do not overlap, and the two quota intervals corresponding to the two default contactless payment applications are a dividing line value is obtained, and the second membership card is set in the payment terminal. application;
  • the first obtaining unit includes:
  • a second sending module configured to send second membership card information and the first demarcation amount value to the payment terminal, so that the payment terminal accumulates the user bill amount according to the second membership card information, When the accumulated amount is greater than the first demarcation amount value, querying the preset membership card application and the membership card information relationship to obtain the second membership card application corresponding to the second membership card information, and using the accumulated amount as the Transmitting the payment amount to the second membership card application;
  • a second obtaining module configured to obtain the payment amount in the second membership card application.
  • the first obtaining unit includes:
  • a first receiving module configured to receive, by using a next-generation system environment NGSE message, the payment amount sent by the payment terminal;
  • the payment amount sent by the payment terminal is received by a near field communication NFC message.
  • the contactless payment device further includes:
  • a configuration unit configured to configure an application identifier of the at least two default contactless payment applications into a proximity payment system environment PPSE;
  • the application identifier of the first default payment application is configured into the PPSE.
  • a contactless payment device for a payment terminal, and the contactless payment device includes:
  • a sending unit configured to send a payment amount to the payment terminal
  • a receiving unit configured to receive an application identifier of a first default payment application sent by the payment terminal, where the payment terminal has at least two default contactless payment applications, and each default contactless payment application corresponds to an amount interval, the at least two The at least two credit intervals corresponding to the default contactless payment application are continuous and do not overlap, and the first default payment application is that the payment terminal determines, after obtaining the payment amount of the transaction, the credit interval corresponding to the payment amount.
  • Default contactless payment application configured to receive an application identifier of a first default payment application sent by the payment terminal, where the payment terminal has at least two default contactless payment applications, and each default contactless payment application corresponds to an amount interval, the at least two The at least two credit intervals corresponding to the default contactless payment application are continuous and do not overlap, and the first default payment application is that the payment terminal determines, after obtaining the payment amount of the transaction, the credit interval corresponding to the payment amount.
  • Default contactless payment application configured to receive an application identifier of a first default payment
  • a transaction unit configured to complete a transaction with the payment terminal by using a payment application corresponding to the application identifier.
  • the sending unit includes:
  • a first receiving module configured to receive first member card information sent by the payment terminal
  • a first query module configured to query, according to the first member card information, a preset membership card application and a membership card information relationship to obtain a first membership card application corresponding to the first membership card information;
  • a first sending module configured to send the payment amount to the first loyalty card application of the payment terminal, so that the payment terminal obtains the payment amount in the first loyalty card application.
  • each default contactless payment application corresponds to one credit interval
  • the two default contactless payment applications correspond to The two credit intervals are consecutive and do not overlap, and the two credit intervals corresponding to the two default contactless payment applications are obtained by dividing the first threshold value, and the second membership card application is set in the payment terminal.
  • the sending unit includes:
  • a second receiving module configured to receive second membership card information and the first demarcation amount value sent by the payment terminal
  • a second query module configured to: when the accumulated amount is greater than the first demarcation amount value, query a preset membership card application and the membership card information relationship to obtain a second membership card application corresponding to the second membership card information;
  • a second sending module configured to send the accumulated amount as the payment amount to a second loyalty card application of the payment terminal, so that the payment terminal obtains the payment in the second loyalty card application Amount.
  • the sending unit includes:
  • a third sending module configured to send, by the next generation system environment NGSE message, the payment terminal The amount of payment
  • the payment amount is transmitted to the payment terminal through a near field communication NFC message.
  • a contactless payment device for a payment terminal, and the contactless payment device includes:
  • a first obtaining unit configured to obtain a payment amount of the transaction
  • a receiving unit configured to receive an application identifier of at least two default contactless payment applications sent by the payment terminal, where there are at least two default contactless payment applications, and each default contactless payment application corresponds to a quota interval.
  • the credit intervals corresponding to the at least two default contactless payment applications are consecutive and do not overlap;
  • a second obtaining unit configured to obtain, according to an application identifier of the at least two default contactless payment applications, an application identifier of the first default payment application, where the first default payment application is a credit interval corresponding to the payment amount Default contactless payment application;
  • a transaction unit configured to complete a transaction with the payment terminal by using a payment application corresponding to the application identifier.
  • the second obtaining unit includes:
  • Obtaining a module configured to obtain a credit interval corresponding to the at least two default contactless payment applications
  • the first as a module configured to use, according to a correspondence between an application identifier and a quota interval of the preset contactless payment application, an application identifier of a default contactless payment application corresponding to the credit interval in which the payment amount is located as the first default payment application.
  • Application ID configured to use, according to a correspondence between an application identifier and a quota interval of the preset contactless payment application, an application identifier of a default contactless payment application corresponding to the credit interval in which the payment amount is located as the first default payment application.
  • the second obtaining unit includes:
  • a first determining module configured to determine, according to application identifiers of the at least two default contactless payment applications, a bank card type corresponding to the at least two default contactless payment applications;
  • a second determining module configured to determine, according to a preset correspondence between the bank card type and the credit interval, a bank card type corresponding to the credit interval in which the payment amount is located;
  • a second module configured to: determine the type of the bank card according to the determined bank card type
  • the application identifier should be the application identifier of the first default payment application.
  • a contactless payment system includes: a payment terminal and a payment terminal,
  • the payment terminal includes: the fourth aspect, the non-contact payment device of any one of the first to sixth implementable modes;
  • the payment terminal includes: a fifth aspect, any one of the first to third implementable modes, wherein the non-contact payment device is implemented.
  • a contactless payment system comprising: a payment terminal and a collection terminal,
  • the payment terminal includes: a sixth aspect, the non-contact payment device described in any one of the first implementation manner and the second implementation manner.
  • the present invention provides a contactless payment method, apparatus and system, by setting at least two default contactless payment applications in a payment terminal, and each default contactless payment application corresponds to a credit interval, and selecting payment according to the payment amount of the transaction
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • FIG. 1 is a flowchart of a method for a contactless payment method according to an embodiment of the present invention
  • FIG. 2 is a flowchart of a method for another contactless payment method according to an embodiment of the present invention.
  • FIG. 3 is a flowchart of still another method for contactless payment according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of a method for a non-contact payment method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart of a method for obtaining a credit interval according to an embodiment of the present invention
  • FIG. 6 is a flowchart of a method for a contactless payment method according to another embodiment of the present invention.
  • FIG. 7 is a flowchart of a method for obtaining an application identifier according to an embodiment of the present invention.
  • FIG. 8 is a flowchart of another method for obtaining an application identifier according to an embodiment of the present invention.
  • FIG. 9 is a schematic structural diagram of a non-contact payment device according to an embodiment of the present invention.
  • FIG. 10 is a schematic structural diagram of another non-contact payment device according to an embodiment of the present invention.
  • FIG. 11 is a schematic structural diagram of a first obtaining unit according to an embodiment of the present invention.
  • FIG. 12 is a schematic structural diagram of another first obtaining unit according to an embodiment of the present disclosure.
  • FIG. 13 is a schematic structural diagram of still another first obtaining unit according to an embodiment of the present disclosure.
  • FIG. 14 is a schematic structural diagram of still another non-contact payment device according to an embodiment of the present invention.
  • FIG. 15 is a schematic structural diagram of a non-contact payment device according to another embodiment of the present invention.
  • FIG. 16 is a schematic structural diagram of a sending unit according to an embodiment of the present disclosure.
  • FIG. 17 is a schematic structural diagram of another sending unit according to an embodiment of the present invention.
  • FIG. 18 is a schematic structural diagram of still another sending unit according to an embodiment of the present disclosure.
  • FIG. 19 is a schematic structural diagram of another non-contact payment device according to another embodiment of the present invention.
  • FIG. 20 is a schematic structural diagram of a second obtaining unit according to an embodiment of the present invention.
  • 21 is a schematic structural diagram of another second obtaining unit according to an embodiment of the present invention.
  • FIG. 22 is a schematic structural diagram of a payment terminal according to an embodiment of the present invention.
  • FIG. 23 is a schematic structural diagram of a collection terminal according to an embodiment of the present invention.
  • An embodiment of the present invention provides an application system of a contactless payment method, and the contactless payment method
  • the application system may include a payment terminal and a payment terminal, and the payment terminal may be a mobile intelligent terminal installed with a contactless payment application, for example, the payment terminal may be a mobile intelligent terminal such as a mobile phone, a tablet computer or a smart watch, and collects money.
  • the terminal may be a terminal capable of realizing the transfer of funds.
  • the receiving terminal may be a contactless POS machine or a server associated with a contactless POS machine.
  • a plurality of contactless payment applications are installed on the payment terminal, and different contactless payment applications can simulate different bank cards, and the payment terminal can realize automatic transfer of funds, and when the payment terminal installed with the contactless payment application is close to the receiving In the case of the terminal, the payment terminal can complete the corresponding payment action with the payment terminal.
  • an embodiment of the present invention provides a contactless payment method, which is used for a payment terminal, and the payment terminal may be a mobile intelligent terminal such as a mobile phone, a tablet computer or a smart watch, and at least two of the payment terminals exist.
  • the default contactless payment application, the at least two default contactless payment applications are selected in advance by a plurality of contactless payment applications in the payment terminal, and are usually selected by the user.
  • Each default contactless payment application corresponds to a credit interval, and the credit intervals corresponding to the at least two default contactless payment applications are consecutive and do not overlap.
  • the contactless payment method can include:
  • Step 101 Obtain a payment amount of the transaction.
  • Step 102 Determine, in the at least two consecutive and non-overlapping credit intervals corresponding to the at least two default contactless payment applications, a quota interval in which the payment amount is located.
  • Step 103 Obtain an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • Step 104 Send an application identifier of the first default payment application to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • continuous and non-overlapping refers to the fact that the two credit intervals corresponding to the two contactless payment applications do not have the same credit value, and the two credit intervals corresponding to the two contactless payment applications can be from small to large according to the quota interval. Or arranged in order from large to small, the adjacent two contactless payment applications have a common boundary value.
  • the contactless payment method provided by the embodiment of the present invention is adopted in a payment terminal.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • At least two default contactless payment applications are arranged in a payable amount or a priority order, and the payable amount refers to an account credit or an electronic cash balance upper limit corresponding to the default contactless payment application (such as an electronic cash card) or a bank account balance (such as a credit card) or a single transaction limit.
  • the priority is preset in the terminal, or specified by the user (such as according to the order in which the user selects the default contactless payment application or other specified method), or according to the type of default contactless payment application (such as electronic cash card, credit card, etc.). Determine, or determine based on system policy.
  • the contactless payment method may further include:
  • the contactless payment application existing in the payment terminal, at least two contactless payment applications as at least two default contactless payment applications; obtaining at least one demarcation amount value; and according to at least one demarcation amount value and at least two default contactless
  • the order of the payment application is obtained, and the credit interval corresponding to the at least two default contactless payment applications is obtained, and the credit intervals corresponding to the at least two default contactless payment applications are consecutive and do not overlap.
  • the continuous and non-overlapping means that the same credit value does not exist in the credit interval corresponding to the at least two contactless payment applications, and the adjacent two contactless payment applications have a common boundary value, such as (0, 100] Yuan and (100,200) are adjacent and non-overlapping credit intervals.
  • the default corresponding to the credit interval is used preferentially in the transaction.
  • Contactless payment application when a transaction amount falls within the range of a credit interval, the default corresponding to the credit interval is used preferentially in the transaction.
  • the obtaining the at least one demarcation amount value may include: obtaining the preset at least one demarcation amount value as the at least one demarcation amount value; or receiving the at least one demarcation amount value set by the user as the at least one demarcation amount value; or acquiring at least two
  • the actual payable amount of at least one default contactless payment application in the default contactless payment application is at least one demarcation amount value.
  • the step 101 may include: receiving, by using a next generation system environment (English: The next generation of system environment; NGSE) message, a payment amount sent by the payment terminal; or, by using near field communication (English: Near Field Communication; Abbreviation: NFC) The message receives the payment amount sent by the receiving terminal.
  • a next generation system environment English: The next generation of system environment; NGSE
  • NFC Near Field Communication
  • the payment terminal can obtain the payment amount of the transaction by using the membership card application, where the membership card application is an application that is set in the payment terminal and stores the user's membership card information, and can simulate the membership card, and the membership card application can pass Wireless Fidelity (English: Wireless-Fidelity; Wi-Fi), cellular network or NFC communication and other wireless communication technologies to obtain some information related to membership cards, such as transaction amount, etc., and can accumulate points and/or amount Offers and other related actions.
  • the membership card application is an application that is set in the payment terminal and stores the user's membership card information, and can simulate the membership card
  • the membership card application can pass Wireless Fidelity (English: Wireless-Fidelity; Wi-Fi), cellular network or NFC communication and other wireless communication technologies to obtain some information related to membership cards, such as transaction amount, etc., and can accumulate points and/or amount Offers and other related actions.
  • the first member card application is set in the payment terminal, and the step 101 may include: sending the first member card information to the payment terminal, so that the payment terminal is based on the first membership card.
  • the information transmits the payment amount to the first loyalty card application; the payment amount is obtained in the first loyalty card application.
  • the payment terminal may query the preset membership card application and the membership card information relationship according to the first member card information to obtain the first membership card application corresponding to the first membership card information, eg, the first The address of the loyalty card application (usually the address of the payment terminal where the loyalty card application is located) or the account of the loyalty card application, etc., and the payment amount is sent to the first loyalty card application.
  • two default contactless payment applications may exist in the payment terminal, and each default contactless payment application corresponds to one credit interval, and the two default intervals corresponding to the two default contactless payment applications are consecutive and non-overlapping, and the two defaults.
  • the two credit intervals corresponding to the contactless payment application are obtained by dividing the first threshold value, and the second membership card application is set in the payment terminal, and the step 101 may include: sending the second membership card information to the collection terminal. And the first demarcation amount value, so that the payment terminal accumulates the user bill amount according to the second membership card information, and when the accumulated amount is greater than the first demarcation amount value, the accumulated amount is used as The payment amount is sent to the second membership card application; the payment amount is obtained in the second membership card application.
  • the receiving terminal may query the relationship between the preset membership card application and the membership card information.
  • the second loyalty card application corresponding to the second loyalty card information transmits the accumulated amount as the payment amount to the second loyalty card application.
  • the contactless payment method may further include: configuring an application identifier of the at least two default contactless payment applications into the proximity payment system environment PPSE; or: applying the application identifier of the first default payment application Configured into the PPSE.
  • each default contactless payment application corresponds to a certain amount interval, according to the payment amount of the transaction. Select the amount range in which the payment amount is located, and the default contactless payment application corresponding to the credit interval, and perform the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • an embodiment of the present invention provides another non-contact payment method, which is used for a payment terminal, and the payment terminal may be a contactless POS machine or a server associated with a contactless POS machine, and the contactless payment is performed.
  • Methods can include:
  • Step 201 Send a payment amount to the payment terminal.
  • Step 202 Receive an application identifier of a first default payment application sent by the payment terminal, where at least two default contactless payment applications exist in the payment terminal, and each default contactless payment application corresponds to a quota interval, and the at least two default contactless payment The application corresponding credit interval is continuous and does not overlap.
  • the first default payment application is obtained by the payment terminal after determining the payment amount of the transaction and determining the default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • Step 203 Complete the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • each default contactless payment application corresponds to a certain amount interval, according to the payment amount of the transaction.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • sending the payment amount to the payment terminal may include: sending the payment amount to the payment terminal through the next-generation system environment NGSE message; or transmitting the payment amount to the payment terminal by using the near-field communication NFC message.
  • the first loyalty card application is set in the payment terminal, and the sending the payment amount to the payment terminal may include: receiving the first loyalty card information sent by the payment terminal; and querying the preset according to the first loyalty card information.
  • the membership card application and the membership card information relationship obtain the first membership card application corresponding to the first membership card information, for example, the address of the first membership card application (usually the address of the payment terminal where the membership card application is located) or the member An account or the like of the card application; transmitting the payment amount to the first membership card application of the payment terminal, so that the payment terminal obtains the payment amount in the first membership card application.
  • two default contactless payment applications may exist in the payment terminal, and each default contactless payment application corresponds to one credit interval, and the two default intervals corresponding to the two default contactless payment applications are consecutive and non-overlapping, and the two defaults.
  • the two credit intervals corresponding to the contactless payment application are obtained by dividing the first threshold value, and the second terminal card application is set in the payment terminal, and sending the payment amount to the payment terminal may include: receiving the The second member card information and the first demarcation amount value; when the accumulated amount is greater than the first demarcation amount value, querying the preset membership card application and the membership card information relationship to obtain the second membership card information corresponding to the a second membership card application; transmitting the accumulated amount as the payment amount to a second membership card application of the payment terminal, so that the payment terminal obtains the payment amount in the second membership card application.
  • each default contactless payment application corresponds to a certain amount interval, according to the payment amount of the transaction.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the embodiment of the present invention provides another non-contact payment method, which is used for a payment terminal, and the payment terminal may be a contactless POS machine or a server associated with a contactless POS machine, and the contactless payment is performed.
  • Methods can include:
  • Step 301 Obtain a payment amount of the transaction.
  • Step 302 Receive application identifiers of at least two default contactless payment applications sent by the payment terminal, where at least two default contactless payment applications exist in the payment terminal, and each default contactless payment application corresponds to a quota interval, and the at least two defaults The credit interval corresponding to the contactless payment application is continuous and does not overlap.
  • Step 303 Obtain an application identifier of the first default payment application according to an application identifier of the at least two default contactless payment applications, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • Step 304 Complete the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless payment method provided by the embodiment of the present invention, at least two default contactless payment applications are set in the payment terminal, and each default contactless payment application corresponds to one credit interval.
  • the amount range of the payment amount of the transaction is selected, and the default contactless payment application corresponding to the credit interval is used to perform the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • step 303 can include:
  • the application identifier of the default contactless payment application corresponding to the quota interval in which the payment amount is located is taken as The application identifier of the first default payment application.
  • step 303 can include:
  • the bank card type; according to the determined bank card type, the application identifier corresponding to the determined bank card type is used as the application identifier of the first default payment application.
  • the payment terminal transmits the quota interval corresponding to at least two default contactless payment applications to each default contactless payment application to the payment terminal, and the payment terminal
  • the payment interval is selected according to the payment amount of the transaction, and the default contactless payment application corresponding to the credit interval is used to perform the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the default contactless payment application selected by the payment terminal is taken as an example.
  • the embodiment of the present invention provides another non-contact payment method, and the contactless payment is provided.
  • Methods can include:
  • Step 401 The payment terminal selects two contactless payment applications as two default contactless payment applications from the contactless payment application existing in the payment terminal.
  • each contactless payment application has a corresponding payable amount
  • the payable amount may be a payable amount of the corresponding bank card of the contactless payment application.
  • Upper limit It is assumed that there are four contactless payment applications in the payment terminal, namely contactless payment application A, contactless payment application B, contactless payment application C and contactless payment application D, and the payment amount of contactless payment application A may be 1000 yuan, the non-contact payment application B can pay 2,000 yuan, the contact payment application C can pay 3,000 yuan, and the contactless payment application D can pay 4,000 yuan.
  • the payment terminal may prompt the user to select two contactless payment applications according to the payable amount in the at least two contactless payment applications as the payment Two default contactless payment applications in the terminal.
  • the at least two default contactless payment applications may be arranged in order of a payable amount or a priority.
  • the contactless payment application A is a contactless payment application of a credit card of the Bank of China
  • the contactless payment application B is a contactless payment application of a credit card of the construction bank.
  • the payable amount of the contactless payment application B is higher than the payable amount of the contactless payment application A.
  • the two default contactless payment applications are in descending order of the payable amount or priority. Arranged; or as shown in Table 2, the two default contactless payment applications are arranged in order of payable amount or priority from low to high.
  • Step 402 The payment terminal obtains two credit intervals corresponding to the two default contactless payment applications.
  • the payment terminal can obtain the credit interval corresponding to the two default contactless payment applications in the preset credit interval.
  • each non-contact payment application in the contactless payment application in the payment terminal corresponds to a preset credit interval. Therefore, each default contactless payment application obtained corresponds to a preset credit interval, and the payment terminal may The two credit intervals corresponding to the two default contactless payment applications are directly determined in these preset credit intervals.
  • the default amount of the contactless payment application of the Bank of China’s credit card is (0,1000) yuan
  • the degree interval is (1500,5000) yuan, which directly obtains the preset amount range of the contactless payment application of the credit card of the Bank of China and the preset amount range of the contactless payment application of the credit card of China Construction Bank.
  • the payment terminal divides the two credit intervals corresponding to the two default contactless payment applications according to the first demarcation amount value.
  • the method may include:
  • Step 4021 The payment terminal obtains a first demarcation amount value.
  • the non-contact payment application A has a payable amount of 1,000 yuan
  • the contactless payment application B has a payable amount of 2,000 yuan.
  • the payment terminal may obtain the preset demarcation amount value as the first demarcation amount value.
  • the payment terminal has a preset demarcation amount value of 900 yuan
  • the payment terminal can obtain the 900 yuan as the first demarcation amount value.
  • the user can set the first demarcation amount value on the mobile terminal.
  • the demarcation credit value can be any payable amount for a contactless payment application that is less affordable in the two default contactless payment applications.
  • the payment terminal needs to obtain n-1 demarcation quota values.
  • the user may set the first demarcation amount of the contactless payment application A and the contactless payment application B to 800 yuan on the mobile terminal.
  • the payable amount of the contactless payment application A is less than 1000 yuan
  • the payable amount of the non-contact payment application B is less than or equal to 1,000 yuan.
  • the first demarcation payment value of 800 yuan is less than or equal to the payable amount of the non-contact payment application A of 1,000 yuan.
  • the payment terminal may obtain the actual payable amount of the at least one default contactless payment application of the two contactless payment applications as the first demarcation amount value.
  • the actual payable amount may be the amount actually stored in the bank card.
  • the method for the payment terminal to obtain the actual payable amount of the default contactless payment application is different for the default contactless payment application corresponding to different bank cards.
  • the payment terminal may store a part of the bank card (such as electricity).
  • the sub-cash card) corresponding to the actual payable amount of the default contactless payment application the payment terminal can quickly obtain the actual payable amount of the default contactless payment application corresponding to the part of the bank card from the local stored information;
  • the actual payable amount of the default contactless payment application corresponding to another part of the bank card (such as a credit card) is stored, and the actual payable amount corresponding to the default contactless payment application is usually stored in the corresponding server, and the default non-default corresponding to the other part of the bank card
  • the contact payment application needs to be obtained from the corresponding server, and the payment terminal obtains the actual payable amount of the default contactless payment application corresponding to the part of the bank card.
  • the actual paymentable amount of the default contactless payment application is stored in the payment terminal
  • the actual payable amount of the default contactless payment application can be obtained as the The first demarcation amount value
  • the actual payment amount of the two default contactless payment applications is stored in the payment terminal, or the actual payable amount of the two default contactless payment applications is not stored at the same time, two default non-acquisitions can be obtained.
  • the actual payable amount of the contactless payment application with a lower payment amount in the contact payment application is taken as the first demarcation amount value.
  • the two default contactless payment applications are contactless payment application A and contactless payment application B, respectively, and the contactless payment application A is an electronic cash card, the contactless payment application B is a credit card, and the contactless payment application A is payable.
  • the amount is less than the contactless payment application B. If the actual paymentable amount of the contactless payment application A is stored in the payment terminal, the actual payable amount of the contactless payment application A is obtained as the first demarcation amount; if the payment terminal is simultaneously If the actual payable amount of the contactless payment applications A and B is stored, or the actual payable amount of the contactless payment applications A and B is not stored, the actual payable amount of the contactless payment application A can be obtained as the first demarcation The amount of the amount.
  • a contactless payment application C namely, a contactless payment application C, a contactless payment application D, a contactless payment application E, and a contactless payment application F.
  • the value of the demarcation amount that is, the first demarcation amount value, the second demarcation amount value, and the third demarcation amount value.
  • the actual payable amount of the default contactless payment application C is stored in the payment terminal, and the actual payable amount of the contactless payment applications D, E, and F is not stored in the payment terminal, and is in the contactless branch.
  • the non-contact payment application F has the largest payable amount.
  • the payment terminal can obtain the actual payable amount of the contactless payment application C, and detect the payable amount of the contactless payment applications D, E, and F, and obtain the actual payable of the two contactless payment applications with lower payable quotas.
  • the amount which is the actual payable amount of the contactless payment applications D and E.
  • the actual payable quotas of the acquired contactless payment applications C, D, and E can be sorted in ascending order, and the actual payable amounts of the sorted contactless payment applications C, D, and E are respectively taken as the first A demarcation amount, a second demarcation amount, and a third demarcation amount.
  • the payment terminal may also obtain the preset demarcation amount value corresponding to the contactless payment applications D and E as the second.
  • the demarcation amount value and the third demarcation amount value may also obtain the preset demarcation amount value corresponding to the contactless payment applications D and E as the second.
  • the payment terminal simultaneously stores the actual payment amount of the contactless payment application C, the contactless payment application D, the contactless payment application E, and the contactless payment application F, or the non-contact payment application C and the contactless payment application are not stored at the same time.
  • D The actual payable amount of the contactless payment application E and the contactless payment application F, and among the payable quotas of the contactless payment applications C, D, E and F, the non-contact payment application F has the largest payable amount.
  • the payment terminal can detect the payable amount of the contactless payment applications C, D, E, and F, obtain the actual payable amount of the contactless payment applications C, D, and E with low payable amount, and can obtain the obtained non-payment amount.
  • the actual payable amount of the contact payment application C, D, and E is sorted in ascending order, and the actual payable amount of the sorted contactless payment applications C, D, and E are respectively used as the first demarcation amount value, and the second The demarcation amount value and the third demarcation amount value.
  • Step 4022 The payment terminal obtains two credit intervals corresponding to the two default contactless payment applications according to the first demarcation amount value and the arrangement order of the at least two default contactless payment applications.
  • two credit intervals corresponding to the two default contactless payment applications may be set.
  • each default contactless payment application corresponds to one credit interval, and the two default interval corresponding to the two default contactless payment applications are consecutive And do not overlap.
  • the quota interval corresponding to the non-contact payment application A is set to (0,900) yuan
  • the quota interval corresponding to the contactless payment application B is set to (900,+ ⁇ ) Yuan, (0,900] yuan and (900, + ⁇ ) elements are adjacent and non-overlapping credit intervals.
  • Step 403 The payment terminal obtains the payment amount of the transaction.
  • the payment terminal can be a contactless POS machine or a server associated with a contactless POS machine.
  • Step 404 The payment terminal sends the payment amount of the transaction to the payment terminal.
  • the payment terminal may send the payment amount of the transaction to the payment terminal.
  • the payment terminal may send the payment amount to the payment terminal through an NGSE message or through an NFC message.
  • NGSE is Claire Vincent in the Multi-Card Emulation Environment Working Group in the Conference Call on the Global Platform on September 22, 2014.
  • Claire VENOT was presented in a file titled "Mobile Payment Application Selection.”
  • NFC is a short-range communication technology, and the NGSE message can also be transmitted through an NFC message.
  • the payment terminal can obtain the payment amount through the membership card application.
  • the user When the user pays the consumption amount, the user usually uses the membership card to accumulate certain points by swiping the membership card.
  • the membership card application can simulate the membership card, and when the payment terminal with the membership card application is installed close to the collection terminal At this time, the payment terminal can complete the corresponding membership card credits and/or amount discounts and the like with the payment terminal.
  • the corresponding relationship between the membership card information and the membership card application is recorded in the collection terminal or the corresponding server, and the collection terminal can obtain the correspondence between the membership card information and the membership card application.
  • the payment terminal can query the membership card application corresponding to the membership card information according to the membership card information, and determine the address of the membership card application (usually the address of the payment terminal where the membership card application is located) or the account applied by the membership card.
  • the membership card information may include information such as a membership card number, a mobile phone number, and the like.
  • the method for the payment terminal to obtain the payment amount through the membership card application includes at least two types:
  • the payment terminal may send the first membership card information to the collection terminal; the collection terminal queries the preset membership card application and the membership card information relationship according to the first membership card information. Obtaining a first membership card application corresponding to the first membership card information, and transmitting the payment amount to the first membership card application according to the address of the first membership card application; since the first membership card application and the default contactless payment application are both located in the payment In the terminal, the payment terminal can obtain the payment amount in the first membership card application.
  • the payment terminal may send the second membership card information and the first demarcation quota value to the collection terminal; the collection terminal accumulates the user bill amount according to the second membership card information, When the accumulated amount is greater than the first demarcation amount value, the relationship between the preset membership card application and the membership card information is obtained by the second membership card application corresponding to the second membership card information, and the accumulated application according to the address of the second membership card application.
  • the amount is sent as a payment amount to the second membership card application; since both the second membership card application and the default contactless payment application are located in the payment terminal, the payment terminal can obtain the payment amount in the second membership card application.
  • the payment amount may be different from the actual payment amount.
  • the price of the first item is 500 yuan
  • the price of the second item is 600 yuan
  • the price of the third item is 650 yuan
  • the first demarcation amount is assumed. It is 1,000 yuan.
  • the payment terminal registers the user's bill amount into the user account according to the membership card information, and accumulates the user bill amount.
  • the collection terminal accumulates the first item
  • the price of the first item is registered to the user account, and is collected.
  • the price of the second item is 600 yuan registered to the user account.
  • the receipt is received.
  • the payment terminal transmits the accumulated amount of 1100 yuan as a payment amount to the membership card application of the payment terminal, and the payment terminal can obtain the payment amount in the membership card application.
  • the collection terminal needs to accumulate the third item amount, that is, the price of the third item is 650 yuan accumulated in the user's account, and the actual payment amount is 1750 yuan.
  • the amount of all the items is generally accumulated, and the total accumulated amount is notified to the payment terminal as the payment amount, and in the embodiment of the present invention, A member card information and a first demarcation amount value are simultaneously sent to the payment terminal.
  • the payment terminal immediately sends the payment amount to the payment terminal, so that the payment terminal can quickly pay according to the payment.
  • the quota is used to determine the first default payment application, and the selection of the default payment application is not required to wait until the total accumulated amount is calculated, thereby reducing the total delay of the contactless payment process and improving the user experience.
  • the action of the payment terminal transmitting the membership card information to the payment terminal may be an automatic action between the payment terminal and the payment terminal, or the user of the payment terminal or the user of the payment terminal may command the payment terminal or receive the payment terminal.
  • the action of the terminal After the payment terminal receives the membership card information, the payment terminal may actively send the payment amount to the payment terminal, or the payment terminal actively sends the inquiry information of the payment amount to the collection terminal, so that the payment terminal can pay the payment terminal. The terminal sends the payment amount.
  • the payment terminal when the payment terminal obtains the payment amount through the loyalty card application, the payment terminal can establish a network connection with the loyalty card application located on the payment terminal through the Wi-Fi or the cellular network, and send the payment amount to the payment terminal through the network connection.
  • the membership card application or, the payment terminal establishes an NFC connection with the payment terminal, and transmits the payment amount to the membership card application on the payment terminal through the NFC information.
  • Step 405 The payment terminal determines, in the two credit intervals corresponding to the two default contactless payment applications, a quota interval in which the payment amount is located.
  • the payment terminal After receiving the payment amount, the payment terminal selects the credit interval in which the payment amount is located in the two credit intervals corresponding to the two default contactless payment applications, thereby determining the quota interval in which the payment amount is located, and the payment amount.
  • the default contactless payment application corresponding to the quota interval.
  • the two default contactless payment applications may be pre-set with a priority, and when the number of the payment amount is found in the two credit intervals, the default contactless payment application corresponding to the higher priority may be preferentially searched. If the payment amount is within the credit interval, the search is stopped and the payment amount is determined to be within the credit interval. If the payment amount is not within the credit limit, Then, the search is continued in the credit interval corresponding to the lower priority default contactless payment application until the quota interval in which the payment amount is located is determined.
  • the two default contactless payment applications are the contactless payment application A and the contactless payment application B, the contactless application A has a higher priority, the contactless application B has a lower priority, and the contactless payment application A corresponds to The quota interval is (0,900) yuan, and the quota interval corresponding to the contactless payment application B is (900, 2000). If the payment amount is 500 yuan, it can be firstly performed in the contactless application A with higher priority. If it finds that the payment amount is 500 yuan within the quota interval (0,900), the search is stopped, and the amount of the payment amount 500 is determined to be (0,900) yuan.
  • the payment amount is 1000 yuan
  • the first The search can be performed in the higher-priority contactless application A, and it is found that the payment amount of 500 yuan is not within the quota interval (0,900), and continues in the credit interval corresponding to the lower-priority default contactless payment application B. Looking up, it is found that the payment amount of 1000 yuan is within the quota interval (900, 2000), and the amount of the payment amount 1000 is determined to be (900, 2000) yuan.
  • Step 406 The payment terminal obtains an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval where the payment amount is located.
  • step 405 Since the quota interval in which the payment amount is determined is determined in step 405, and the default contactless payment application corresponding to the credit interval in which the payment amount is located, that is, the first default payment application, and each contactless payment application carries the non-contact The application identifier of the application is paid, so the payment terminal can obtain the application identifier of the first default payment application.
  • step 402 the payment terminal obtains two overlapping intervals corresponding to the two default contactless payment applications, and the two quota intervals corresponding to the two default contactless payment applications may not exist.
  • step 406 if the payment amount falls in the overlapping area or the discontinuous area, the priority of the two default contactless payment applications may be set, and the default contactless payment application with higher priority is obtained as the first default payment. Applications, in general, contactless payment applications with high payouts have higher priority.
  • Step 407 The payment terminal sends an application identifier of the first default payment application to the payment terminal.
  • Step 408 The payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the method for the payment terminal to complete the transaction by the payment application corresponding to the payment application and the payment terminal may refer to the method for completing the payment by the contactless payment application in the prior art.
  • the payment terminal may further configure the application identifiers of the two default contactless payment applications to the proximity payment system environment (English: Proximity) In the Payment Systems Environment (abbreviation: PPSE), or the application identifier of the first default payment application is configured into the PPSE, so that the payment terminal can perform subsequent transactions.
  • the number of the default contactless payment applications selected by the payment terminal is other values, reference may be made to the processing method of the two default contactless payment applications in the embodiment of the present invention, which is not described in detail in the embodiments of the present invention.
  • the embodiment of the present invention only two default contactless payment applications exist in the payment terminal as an example. In an actual application, multiple default contactless payment applications may exist in the payment terminal, and the multiple defaults.
  • the contactless payment method of the two default contactless payment applications in the above embodiments may be referred to, and the embodiment of the present invention does not describe the same. .
  • each default contactless payment application corresponds to a certain amount interval, according to the payment amount of the transaction. Select the amount range in which the payment amount is located, and the default contactless payment application corresponding to the credit interval, and perform the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the contactless payment method may include:
  • Step 601 The payment terminal obtains the payment amount of the transaction.
  • the payment terminal can be a contactless POS machine or a server associated with a contactless POS machine.
  • Step 602 The payment terminal selects two contactless payment applications as two default contactless payment applications from the contactless payment application existing in the payment terminal.
  • step 602 in the embodiment of the present invention, reference may be made to the specific explanation of step 401 in the previous embodiment.
  • Step 603 The payment terminal obtains two credit intervals corresponding to the two default contactless payment applications.
  • step 603 in the embodiment of the present invention, reference may be made to the specific explanation of step 402 in the previous embodiment.
  • Step 604 The payment terminal sends the application identifiers of the two default contactless payment applications to the payment terminal.
  • the payment terminal may send the application identifiers of the two default contactless payment applications obtained in step 602 to the payment terminal.
  • Step 605 The payment terminal obtains an application identifier of the first default payment application according to the application identifiers of the two default contactless payment applications, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • step 605 can include:
  • Step 6051 The payment terminal obtains two credit intervals corresponding to the two default contactless payment applications.
  • two credit intervals corresponding to the two default contactless payment applications that are preset are obtained in the payment terminal.
  • the payment terminal can also obtain two credit intervals corresponding to the two default contactless payment applications sent by the payment terminal.
  • the specific steps of the two quota intervals corresponding to the two default contactless payment applications obtained by the payment terminal reference may be made to the specific steps in step 402 in the previous embodiment.
  • Step 6052 The payment terminal uses the application identifier of the default contactless payment application corresponding to the quota interval in which the payment amount is located as the application identifier of the first default payment application according to the correspondence between the application identifier of the preset contactless payment application and the credit interval. .
  • the payment terminal may determine the credit interval in which the payment amount obtained in step 601 is located, and apply the application identifier of the default contactless payment application corresponding to the credit interval in which the payment amount is located according to the correspondence between the credit interval and the contactless payment application.
  • the application identifier of the first default payment application For example, the two default contactless payment applications received by the payment terminal are the contactless payment application A and the contactless payment application B, respectively, and the non-contact payment application A corresponds to a quota interval of (0,1000) yuan, and the non-contact The payment interval corresponding to the payment application B is (1000, 2000).
  • the payment terminal can determine that the payment amount is in the range of (0,1000) yuan.
  • the application identifier of the default contactless payment application A corresponding to the quota interval (0,1000) is used as the application identifier of the first default payment application.
  • step 605 can include:
  • Step 6051 The payment terminal determines, according to the application identifiers of the two default contactless payment applications, the bank card types corresponding to the two default contactless payment applications.
  • the payment terminal may query the bank card type corresponding to the two default contactless payment applications according to the application identifiers of the two default contactless payment applications in the memory of the payment terminal or connected to the Internet.
  • different bank cards can correspond to different credit ranges.
  • Step 6052 The payment terminal determines, according to the correspondence between the preset bank card type and the credit interval, the bank card type corresponding to the credit interval in which the payment amount is located.
  • the payment terminal has determined the bank card type corresponding to the two default contactless payment applications and the credit interval corresponding to the bank card type.
  • the payment terminal can determine the credit interval in which the payment amount obtained in step 601 is located, thereby obtaining the bank card type corresponding to the payment amount.
  • the two default contactless payment applications received by the receiving terminal are the contactless payment application A of the credit card of the Bank of China and the contactless payment application B of the credit card of China Construction Bank, respectively, wherein the credit amount corresponding to the credit card of the Chinese bank is The interval is (0,1000) yuan, and the credit limit corresponding to the credit card of China Construction Bank is (1000, 2000) yuan.
  • the receiving terminal can judge the payment amount.
  • the quota range is (0,1000) yuan, and the payment amount is determined to be 500 yuan.
  • the bank card type is the credit card of Bank of China.
  • Step 6053 The payment terminal uses, as the determined bank card type, the application identifier corresponding to the determined bank card type as the application identifier of the first default payment application.
  • the application identifier corresponding to the determined bank card type may be used as the application identifier of the first default payment application, because the bank card type corresponding to the credit interval in which the payment amount is located has been determined in step 6053.
  • the application identifier of the contactless payment application of the credit card of the Chinese bank may be used as the application identifier of the first default payment application.
  • Step 606 The payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the specific method for the payment terminal to complete the transaction by the payment application corresponding to the application identifier obtained in step 605 can refer to the method for completing the payment by the contactless payment application in the prior art.
  • the payment terminal transmits the quota interval corresponding to at least two default contactless payment applications to each default contactless payment application to the payment terminal, and the payment terminal
  • the payment interval is selected according to the payment amount of the transaction, and the default contactless payment application corresponding to the credit interval is used to perform the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • an embodiment of the present invention provides a contactless payment device 90 for a payment terminal.
  • the contactless payment device 90 can include:
  • the first obtaining unit 901 is configured to obtain a payment amount of the transaction.
  • the determining unit 902 is configured to determine, in the credit interval corresponding to the at least two default contactless payment applications, a quota interval in which the payment amount is located, and the credit intervals corresponding to the at least two default contactless payment applications are consecutive and do not overlap.
  • the second obtaining unit 903 is configured to obtain an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • the sending unit 904 is configured to send the application identifier of the first default payment application to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the determining unit determines the quota interval in which the payment amount is located according to the payment amount of the transaction, and the second obtaining unit obtains the application identifier of the first default payment application, and the sending unit will The application identifier of the first default payment application is sent to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • an embodiment of the present invention provides another non-contact payment device 90 for a payment terminal.
  • the contactless payment device 90 may include:
  • the first obtaining unit 901 is configured to obtain a payment amount of the transaction.
  • the determining unit 902 is configured to determine, in an amount interval corresponding to the at least two default contactless payment applications, a quota interval in which the payment amount is located.
  • the second obtaining unit 903 is configured to obtain an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • the sending unit 904 is configured to send the application identifier of the first default payment application to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the selecting unit 905 is configured to select at least two from the contactless payment application existing in the payment terminal.
  • the contactless payment application acts as at least two default contactless payment applications.
  • the third obtaining unit 906 is configured to obtain at least one demarcation amount value.
  • the processing unit 907 is configured to obtain, according to the at least one demarcation amount value and the arrangement order of the at least two default contactless payment applications, the credit interval corresponding to the at least two default contactless payment applications.
  • the determining unit determines the quota interval in which the payment amount is located according to the payment amount of the transaction, and the second obtaining unit obtains the application identifier of the first default payment application, and the sending unit will The application identifier of the first default payment application is sent to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the third obtaining unit 906 is specifically configured to: obtain a preset at least one demarcation amount value as the at least one demarcation amount value; or receive at least one demarcation amount value set by the user as the at least one demarcation amount value; or, obtain The actual payable amount of at least one of the at least two default contactless payment applications is at least one demarcation amount value.
  • the first obtaining unit 901 may include:
  • the first receiving module 9011 is configured to receive, by using the next-generation system environment NGSE message, the payment amount sent by the payment terminal; or receive the payment amount sent by the payment terminal through the near-field communication NFC message.
  • a first member card application is provided in the payment terminal.
  • the first obtaining unit 901 may include:
  • the first sending module 9012 is configured to send the first member card information to the payment terminal, so that the payment terminal queries the preset membership card application and the membership card information relationship according to the first member card information to obtain the first member card information.
  • the first membership card application and the payment amount is sent to the first membership card application.
  • the first obtaining module 9013 is configured to obtain a payment amount in the first membership card application.
  • the first obtaining unit 901 may include :
  • the second sending module 9014 is configured to send the second membership card information and the first demarcation amount value to the payment terminal, so that the payment terminal accumulates the user bill amount according to the second membership card information, and the accumulated amount is greater than the first demarcation amount.
  • the relationship between the preset membership card application and the membership card information is obtained by the second membership card application corresponding to the second membership card information, and the accumulated amount is sent as the payment amount to the second membership card application.
  • the second obtaining module 9015 is configured to obtain a payment amount in the second membership card application.
  • the determining unit determines the quota interval in which the payment amount is located according to the payment amount of the transaction, and the second obtaining unit obtains the application identifier of the first default payment application, and the sending unit will The application identifier of the first default payment application is sent to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the embodiment of the present invention provides a non-contact payment device 90 for a payment terminal.
  • the contactless payment device 90 may include:
  • the first obtaining unit 901 is configured to obtain a payment amount of the transaction.
  • the determining unit 902 is configured to determine, in an amount interval corresponding to the at least two default contactless payment applications, a quota interval in which the payment amount is located.
  • the second obtaining unit 903 is configured to obtain an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • the sending unit 904 is configured to send the application identifier of the first default payment application to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the selecting unit 905 is configured to select at least two contactless payment applications as at least two default contactless payment applications from the contactless payment application existing in the payment terminal.
  • the third obtaining unit 906 is configured to obtain at least one demarcation amount value.
  • the processing unit 907 is configured to obtain, according to the at least one demarcation amount value and the arrangement order of the at least two default contactless payment applications, the credit interval corresponding to the at least two default contactless payment applications.
  • the configuration unit 908 is configured to configure the application identifier of the at least two default contactless payment applications into the proximity payment system environment PPSE; or configure the application identifier of the first default payment application into the PPSE.
  • the determining unit determines the quota interval in which the payment amount is located according to the payment amount of the transaction, and the second obtaining unit obtains the application identifier of the first default payment application, and the sending unit will The application identifier of the first default payment application is sent to the payment terminal, so that the payment terminal completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the contactless payment device 150 may include:
  • the receiving unit 1501 is configured to receive an application identifier of the first default payment application sent by the payment terminal, where the payment terminal has at least two default contactless payment applications, and each default contactless payment application corresponds to an amount interval, the at least two The default contact payment application corresponds to the quota interval continuously and does not overlap.
  • the first default payment application is obtained by the payment terminal after determining the payment amount of the transaction and determining the default contactless payment application corresponding to the credit interval in which the payment amount is located.
  • the transaction unit 1502 is configured to complete the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the sending unit 1503 is configured to send a payment amount to the payment terminal.
  • the receiving unit receives The application identifier of the first default payment application sent by the payment terminal, and the transaction unit completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the sending unit 1503 may include:
  • the first receiving module 15031 is configured to receive first membership card information sent by the payment terminal.
  • the first query module 15032 is configured to query, according to the first membership card information, a preset membership card application and a membership card information relationship to obtain a first membership card application corresponding to the first membership card information.
  • the first sending module 15033 is configured to send the payment amount to the first loyalty card application of the payment terminal, so that the payment terminal obtains the payment amount in the first loyalty card application.
  • the sending unit 1503 may include:
  • the second receiving module 15034 is configured to receive the membership card information and the first demarcation amount value sent by the payment terminal.
  • the second query module 15035 is configured to: when the accumulated amount is greater than the first threshold value, query the preset membership card application and the membership card information relationship to obtain the second membership card application corresponding to the second membership card information;
  • a second sending module 15036 configured to send the accumulated amount as the payment amount to a second loyalty card application of the payment terminal, so that the payment terminal obtains the The amount paid.
  • the sending unit 1503 may include:
  • a third sending module 15037 configured to send, by using a next-generation system environment NGSE message, to the payment terminal The payment amount; or, the payment amount is transmitted to the payment terminal through the near field communication NFC message.
  • the receiving unit receives the application identifier of the first default payment application sent by the payment terminal, and the transaction unit completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the contactless payment device 200 can include:
  • the first obtaining unit 2001 is configured to obtain a payment amount of the transaction.
  • the receiving unit 2002 is configured to receive, by the payment terminal, an application identifier of the at least two default contactless payment applications, where the payment terminal has at least two default contactless payment applications, and each default contactless payment application corresponds to a quota interval.
  • the quota intervals corresponding to at least two default contactless payment applications are continuous and do not overlap.
  • the second obtaining unit 2003 is configured to obtain, according to an application identifier of the at least two default contactless payment applications, an application identifier of the first default payment application, where the first default payment application is a default contactless payment application corresponding to the credit interval where the payment amount is located. .
  • the transaction unit 2004 is configured to complete the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the payment amount of the transaction is obtained by the first obtaining unit, and the receiving unit receives the application identifier of the at least two default contactless payment applications sent by the payment terminal, and obtains the second
  • the unit obtains, from the application identifiers of the at least two default contactless payment applications, an application identifier of the first default payment application corresponding to the credit interval in which the payment amount is located, and the transaction unit completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the second obtaining unit 2003 may include:
  • the obtaining module 20031 is configured to obtain a credit interval corresponding to at least two default contactless payment applications.
  • the first as the module 20032 configured to use, according to the correspondence between the application identifier and the quota interval of the preset contactless payment application, the application identifier of the default contactless payment application corresponding to the credit interval in which the payment amount is located as the first default payment application.
  • Application ID configured to use, according to the correspondence between the application identifier and the quota interval of the preset contactless payment application, the application identifier of the default contactless payment application corresponding to the credit interval in which the payment amount is located as the first default payment application.
  • the second obtaining unit 2003 may include:
  • the first determining module 20033 is configured to determine, according to application identifiers of the at least two default contactless payment applications, bank card types corresponding to the at least two default contactless payment applications.
  • the second determining module 20034 is configured to determine, according to a preset correspondence between the bank card type and the credit interval, a bank card type corresponding to the credit interval in which the payment amount is located.
  • the second as the module 20035 is configured to use the application identifier corresponding to the determined bank card type as the application identifier of the first default payment application according to the determined bank card type.
  • the payment amount of the transaction is obtained by the first obtaining unit, and the receiving unit receives the application identifier of the at least two default contactless payment applications sent by the payment terminal, and obtains the second
  • the unit obtains, from the application identifiers of the at least two default contactless payment applications, an application identifier of the first default payment application corresponding to the credit interval in which the payment amount is located, and the transaction unit completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the embodiment of the invention provides a contactless payment system, which can include a payment terminal and a collection terminal.
  • the payment terminal may include any of the contactless payment devices 90 shown in FIGS. 9, 10, and 14.
  • the payment terminal may include: the contactless payment device 150 shown in FIG.
  • the payment terminal selects the quota interval in which the payment amount is based on the payment amount of the transaction, and the default corresponding to the credit interval.
  • the contactless payment application performs the corresponding payment behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the embodiment of the present invention provides another contactless payment system, which may include: a payment terminal and a collection terminal, and the collection terminal may include the contactless payment device 200 shown in FIG.
  • the payment terminal selects the quota interval in which the payment amount is based on the payment amount of the transaction, and the default contactless payment application corresponding to the credit interval, and performs corresponding payment. behavior.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • another embodiment of the present invention provides a non-contact payment device for a payment terminal 230.
  • the application corresponds to a credit interval, the credit interval corresponding to the at least two default contactless payment applications is continuous and does not overlap, and the payment terminal 230 includes an input unit 2301, a processor 2302, an output unit 2303, a communication unit 2304, a memory 2305, Peripheral unit 2306, power supply 2307 and other components. These components communicate over one or more buses. It will be understood by those skilled in the art that the structure of the payment terminal 230 shown in FIG. 22 does not constitute a limitation of the present invention.
  • the payment terminal 230 may be any mobile or portable payment terminal, including but not limited to a mobile computer, a tablet computer, a personal digital assistant (PDA: PDA), and a smart watch. Combination of two or more of the above.
  • PDA personal digital assistant
  • the input unit 2301 is configured to implement interaction between the user and the payment terminal 230 and/or information input to the payment end In terminal 230.
  • the input unit 2301 can receive numeric or character information input by the user to generate a signal input related to user setting or function control.
  • the input unit 2301 may be a touch panel, or may be other human-computer interaction interfaces, such as a physical input key, a microphone, etc., and may be other external information capture devices, such as a camera.
  • a touch panel also known as a touch screen or touch screen, collects operational actions that the user touches or approaches on.
  • the user uses an action of any suitable object or accessory such as a finger or a stylus on or near the touch panel, and drives the corresponding connecting device according to a preset program.
  • the touch panel may include two parts: a touch detection device and a touch controller. Wherein the touch detection device detects a touch operation of the user, converts the detected touch operation into an electrical signal, and transmits the electrical signal to the touch controller; the touch controller receives the electrical signal from the touch detection device, and Convert it to contact coordinates and send it to the processing unit. The touch controller can also receive and execute commands from the processing unit.
  • touch panels can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic waves.
  • the physical input keys used by the input unit 2301 may include, but are not limited to, a physical keyboard, function keys (such as a volume control button, a switch button, etc.), a trackball, a mouse, a joystick, and the like. kind or more.
  • the input unit 2301 in the form of a microphone can collect the voice input by the user or the environment and convert it into a command executable by the processing unit in the form of an electrical signal.
  • the processor 2302 is a control center of the payment terminal 230, which connects various portions of the entire payment terminal 230 using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 2305, and by calling them stored in the memory 2305.
  • the data is executed to perform various functions and/or process data of the payment terminal 230.
  • the processor 2302 may be composed of an integrated circuit (integrated circuit: IC), for example, may be composed of a single packaged IC, or may be composed of a plurality of packaged ICs that have the same function or different functions.
  • integrated circuit integrated circuit
  • the processor 2302 may include only the central processing unit 2302 (English: Central Processing Unit; CPU for short), or may be a GPU, a digital signal processor 2302 (English: Digital Signal Processor; DSP), and communication.
  • a combination of control chips e.g., baseband chips
  • the CPU may be a single
  • the computing core can also include multiple computing cores.
  • the communication unit 2304 is configured to establish a communication channel, so that the payment terminal 230 connects to the collection terminal through the communication channel, and acquires corresponding information from the collection terminal.
  • the communication unit 2304 may include a wireless local area network (English: Wireless Local Area Network; wireless LAN) module, a Bluetooth module, a baseband module, an NFC module, and the like, and a radio frequency corresponding to the communication module.
  • RF Radio Frequency; referred to as: RF) circuit for wireless local area network communication, Bluetooth communication, infrared communication and/or cellular communication system communication, such as Wideband Code Division Multiple Access (English: Wideband Code Division Multiple Access; W-CDMA) and/or High Speed Downlink Packet Access (English: High Speed Downlink Packet Access; HSDPA for short).
  • the communication module is used to control communication of components in the payment terminal 230, and can support Direct Memory Access.
  • the various communication modules in the communication unit 2304 generally appear in the form of an integrated circuit chip, and can be selectively combined without including all communication modules and corresponding Antenna group.
  • the communication unit 2304 can include only baseband chips, radio frequency chips, and corresponding antennas to provide communication functionality in a cellular communication system.
  • the payment terminal 230 can be connected to a cellular network (Cellular Network) or the Internet (Internet) via a wireless communication connection established by the communication unit 2304, such as wireless local area network access or WCDMA access.
  • a communication module, such as a baseband module, in the communication unit 2304 may be integrated into the processor 2302, typically an APQ+MDM series platform such as that provided by Qualcomm.
  • the radio frequency circuit is used for receiving and transmitting signals during information transmission and reception or during a call. For example, after the downlink information of the base station is received, it is processed by the processing unit; in addition, the uplink data is designed to be sent to the base station.
  • the radio frequency circuit includes well-known circuits for performing these functions, including but not limited to an antenna system, a radio frequency transceiver, one or more amplifiers, a tuner, one or more oscillators, a digital signal processor, a codec. (Codec) chipset, Subscriber Identity Module (SIM) card, memory, etc.
  • RF The circuit can also communicate with the network and other devices via wireless communication.
  • the wireless communication may use any communication standard or protocol, including but not limited to GSM (English: Global System of Mobile communication; abbreviation: Global System for Mobile Communications), GPRS (English: General Packet Radio Service; abbreviation: General Packet Radio Service) ), CDMA (English: Code Division Multiple Access; referred to as: Code Division Multiple Access), WCDMA (English: Wideband Code Division Multiple Access; abbreviated as: Wideband Code Division Multiple Access), high-speed uplink packet access technology (English: High Speed Uplink Packet Access; referred to as: HSUPA), LTE (English: Long Term Evolution; short term evolution), e-mail, SMS (English: Short Messaging Service; short: short message service).
  • GSM Global System of Mobile communication
  • GPRS International: General Packet Radio Service
  • CDMA Code Division Multiple Access
  • WCDMA Wideband Code Division Multiple Access
  • High-speed uplink packet access technology English: High Speed Uplink Packet Access; referred to as: HSUPA
  • LTE Long Term Evolution; short
  • the output unit 2303 includes, but is not limited to, an image output unit and a sound output unit.
  • the image output unit is used to output text, pictures, and/or video.
  • the image output unit may include a display panel, for example, an LCD (English: Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), a field emission display (English: field) Display panel configured in the form of emission display; FED).
  • the image output unit may comprise a reflective display, such as an electrophoretic display, or a display utilizing an Interferometric Modulation of Light.
  • the image output unit may comprise a single display or multiple displays of different sizes.
  • the touch panel used by the input unit 2301 can also serve as the display panel of the output unit 2303.
  • the touch panel when it detects a touch or proximity gesture operation thereon, it is transmitted to the processing unit to determine the type of the touch event, and then the processing unit provides a corresponding visual output on the display panel according to the type of the touch event.
  • the input unit 2301 and the output unit 2303 function as two separate components to implement the input and output functions of the payment terminal 230, in some embodiments, the touch panel may be integrated with the display panel.
  • the input and output functions of the payment terminal 230 are implemented.
  • the image output unit can display various graphical user interfaces (English: Graphical User Interface; GUI) for use as virtual control components, including but not limited to windows, scroll axes, icons, and scrapbooks. For the user to operate through touch.
  • GUI Graphical User Interface
  • the image output unit includes a filter and an amplifier for filtering and amplifying the video output by the processing unit.
  • the audio output unit includes a digital to analog converter for converting the audio signal output by the processing unit from a digital format to an analog format.
  • the memory 2305 can be used to store software programs and modules that execute various functional applications of the payment terminal 230 and implement data processing by running software programs and modules stored in the memory 2305.
  • the memory 2305 mainly includes a program storage area and a data storage area, wherein the program storage area can store an operating system, an application required for at least one function, such as a sound playing program, an image playing program, and the like; and the data storage area can be stored according to the payment terminal.
  • the data created by the use of 230 (such as audio data, phone book, etc.).
  • the memory 2305 may include a volatile memory 2305, such as a non-volatile dynamic random access memory (Norvolatile Random Access Memory; NVRAM for short), phase change random access memory (English: Phase) Change RAM; referred to as PRAM), magnetoresistive random access memory (English: Magetoresistive RAM; MRAM for short), etc., may also include non-volatile memory, such as at least one disk storage device, electronically erasable and programmable only Read memory (English: Electrically Erasable Programmable Read-Only Memory; EEPROM), flash memory devices, such as NOR flash memory or NAND flash memory.
  • the non-volatile memory stores operating systems and applications executed by the processing unit.
  • the processing unit loads the running program and data from the non-volatile memory into the memory and stores the digital content in a plurality of storage devices.
  • the operating system includes various components and/or drivers for controlling and managing conventional system tasks such as memory management, storage device control, power management, and the like, as well as facilitating communication between various hardware and software.
  • the operating system may be an Android system of Google Inc., an iOS system developed by Apple Corporation, a Windows operating system developed by Microsoft Corporation, or an embedded operating system such as Vxworks.
  • the application includes any application installed on the payment terminal 230, including but not limited to browsers, emails, instant messaging services, word processing, keyboard virtualization, widgets, Encryption, digital rights management, speech recognition, voice replication, positioning (such as those provided by GPS), music playback, and more.
  • the memory 2305 stores a program that can be executed by the processor 2302, the program comprising:
  • the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located;
  • the at least two default contactless payment applications are sequentially arranged in an order of a payable amount or a priority, and before the obtaining the payment amount of the transaction, the method further includes:
  • the obtaining the at least one threshold value includes:
  • the actual payable amount of the at least one default contactless payment application of the at least two default contactless payment applications is obtained as the at least one demarcation amount value.
  • the payment terminal 230 is configured with a first membership card application
  • the payment amount of the obtained transaction includes:
  • the first membership card information querying the preset membership card application and the membership card information relationship obtains the first membership card application corresponding to the first membership card information, and sends the payment amount to the first membership card application;
  • the payment amount is obtained in the first membership card application.
  • each default contactless payment application corresponds to one credit interval, and the two quota intervals corresponding to the two default contactless payment applications are consecutive and do not overlap.
  • the two credit intervals corresponding to the two default contactless payment applications are obtained by dividing the first threshold value, and the payment terminal 230 is provided with the second membership card application.
  • the payment amount of the obtained transaction includes:
  • the first demarcation amount value is used to query the preset membership card application and the membership card information relationship to obtain the second membership card application corresponding to the second membership card information, and send the accumulated amount as the payment amount to the Second membership card application;
  • the payment amount is obtained in the second membership card application.
  • the payment amount of the obtained transaction includes:
  • the payment amount sent by the payment terminal is received by a near field communication NFC message.
  • the method before the sending the application identifier of the first default payment application to the payment terminal, the method further includes:
  • the application identifier of the first default payment application is configured into the PPSE.
  • Power source 2307 is used to power different components of payment terminal 230 to maintain its operation.
  • the power source 2307 can be a built-in battery, such as a conventional lithium ion battery, a nickel metal hydride battery, etc., and also includes an external power source that directly supplies power to the payment terminal 230, such as an AC adapter.
  • the power supply 2307 can be further defined, for example, a power management system, a charging system, a power failure detection circuit, a power converter or an inverter, and a power status indicator (eg, Light emitting diodes), as well as any other components associated with power generation, management, and distribution of payment terminals 230.
  • the processor determines the credit interval in which the payment amount is located according to the payment amount of the transaction, and the processor obtains the application identifier of the first default payment application, and the communication unit will be the first
  • the application identifier of the default payment application is sent to the payment terminal, so that the payment terminal completes the transaction with the payment terminal through the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • FIG. 23 another embodiment of the present invention provides a non-contact payment device for a payment terminal 240.
  • the collection terminal 240 includes an input unit 2401, a processor 2402, an output unit 2403, and a communication unit. 2404, memory 2405, peripheral unit 2406, power supply 2407, and the like. These components communicate over one or more buses. It can be understood by those skilled in the art that the structure of the payment terminal 240 shown in FIG. 23 does not constitute a limitation of the present invention, and it may be a bus structure or a star structure, and may also include more than the illustration. Or fewer parts, or combine some parts, or different parts.
  • the payment terminal 240 may be any mobile or portable collection terminal, including but not limited to a payment device that may be a contactless POS machine or a server associated with a contactless POS machine, and the above two items. Or a combination of two or more.
  • the input unit 2401 is configured to implement interaction between the user and the payment terminal 240 and/or information input into the payment terminal 240.
  • the input unit 2401 can receive numeric or character information input by the user to generate a signal input related to user setting or function control.
  • the input unit 2401 may be a touch panel, or may be other human-computer interaction interfaces, such as a physical input key, a microphone, etc., and may be other external information capture devices, such as a camera.
  • Touch panel also known as touch screen Or a touch screen that collects the actions that the user touches or approaches on.
  • the user uses an action of any suitable object or accessory such as a finger or a stylus on or near the touch panel, and drives the corresponding connecting device according to a preset program.
  • the touch panel may include two parts: a touch detection device and a touch controller. Wherein the touch detection device detects a touch operation of the user, converts the detected touch operation into an electrical signal, and transmits the electrical signal to the touch controller; the touch controller receives the electrical signal from the touch detection device, and Convert it to contact coordinates and send it to the processing unit. The touch controller can also receive and execute commands from the processing unit.
  • touch panels can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic waves.
  • the physical input keys used by the input unit 2401 may include, but are not limited to, a physical keyboard, a function key (such as a volume control button, a switch button, etc.), a trackball, a mouse, a joystick, and the like. kind or more.
  • the input unit 2401 in the form of a microphone can collect the voice input by the user or the environment and convert it into a command executable by the processing unit in the form of an electrical signal.
  • the input unit 2401 may also be various types of sensor components, such as Hall devices, for detecting physical quantities of the payment terminal 240, such as force, moment, pressure, stress, position, Displacement, velocity, acceleration, angle, angular velocity, number of revolutions, speed, and time when the operating state changes, are converted into electricity for detection and control.
  • sensor components may also include gravity sensors, three-axis accelerometers, gyroscopes, and the like.
  • the processor 2402 is a control center of the payment terminal 240, which connects various portions of the entire collection terminal 240 using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 2405, and calling stored in the memory. Data within 2405 to perform various functions and/or process data of payment terminal 240.
  • the processor 2402 may be composed of an integrated circuit (English: Integrated Circuit; IC), for example, may be composed of a single packaged IC, or may be composed of a plurality of packaged ICs that have the same function or different functions.
  • the processor 2402 may include only a central processing unit (English: Central Processing Unit; CPU), or may be a GPU, a digital signal processor (English: Digital Signal Processor; DSP), and a communication unit 2404. Control A combination of chips (eg, baseband chips).
  • the CPU may be a single operation core, and may also include multiple operation cores.
  • the communication unit 2404 is configured to establish a communication channel, and the payment terminal 240 connects to the collection terminal 240 through the communication channel, and acquires corresponding information from the collection terminal 240.
  • the communication unit 2404 may include a wireless local area network (English: Wireless Local Area Network; wireless LAN) module, a Bluetooth module, a baseband module, an NFC module, and the like, and a radio frequency corresponding to the communication module.
  • RF Radio Frequency; referred to as: RF) circuit for wireless local area network communication, Bluetooth communication, infrared communication and/or cellular communication system communication, such as Wideband Code Division Multiple Access (English: Wideband Code Division Multiple Access; W-CDMA) and/or High Speed Downlink Packet Access (English: High Speed Downlink Packet Access; HSDPA for short).
  • the communication module is used to control communication of components in the payment terminal 240, and can support Direct Memory Access.
  • the various communication modules in the communication unit 2404 are generally in the form of an integrated circuit chip, and can be selectively combined without including all communication modules and corresponding Antenna group.
  • the communication unit 2404 can include only baseband chips, radio frequency chips, and corresponding antennas to provide communication functionality in a cellular communication system.
  • the payment terminal 240 can be connected to a cellular network (Cellular Network) or the Internet (Internet) via a wireless communication connection established by the communication unit 2404, such as wireless local area network access or WCDMA access.
  • a communication module, such as a baseband module, in the communication unit 2404 may be integrated into the processor 2402, typically an APQ+MDM series platform such as that provided by Qualcomm.
  • the radio frequency circuit is used for receiving and transmitting signals during information transmission and reception or during a call. For example, after the downlink information of the base station is received, it is processed by the processing unit; in addition, the uplink data is designed to be sent to the base station.
  • the radio frequency circuit includes well-known circuits for performing these functions, including but not limited to an antenna system, a radio frequency transceiver, one or more amplifiers, a tuner, one or more oscillators, a digital signal processor, Codec chipset, Subscriber Identity Module (SIM) card, memory, etc.
  • the RF circuit can communicate with the network and other devices through wireless communication.
  • the wireless communication may use any communication standard or protocol, including but not limited to GSM (English: Global System of Mobile communication; abbreviation: Global System for Mobile Communications), GPRS (English: General Packet Radio Service; abbreviation: General Packet Radio Service) ), CDMA (English: Code Division Multiple Access; referred to as: Code Division Multiple Access), WCDMA (English: Wideband Code Division Multiple Access; abbreviated as: Wideband Code Division Multiple Access), high-speed uplink packet access technology (English: High Speed Uplink Packet Access; referred to as: HSUPA), LTE (English: Long Term Evolution; short term evolution), e-mail, SMS (English: Short Messaging Service; short: short message service).
  • GSM Global System of Mobile communication
  • GPRS International: General Packet Radio Service
  • CDMA Code Division Multiple Access
  • WCDMA Wideband Code Division Multiple Access
  • High-speed uplink packet access technology English: High Speed Uplink Packet Access; referred to as: HSUPA
  • LTE Long Term Evolution; short
  • the output unit 2403 includes, but is not limited to, an image output unit and a sound output unit.
  • the image output unit is used to output text, pictures, and/or video.
  • the image output unit may include a display panel, for example, an LCD (English: Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), a field emission display (English: field) Display panel configured in the form of emission display; FED).
  • the image output unit may comprise a reflective display, such as an electrophoretic display, or a display utilizing an Interferometric Modulation of Light.
  • the image output unit may comprise a single display or multiple displays of different sizes.
  • the touch panel used by the input unit 2401 can also serve as the display panel of the output unit 2403.
  • the touch panel detects a touch or proximity gesture operation thereon, it is transmitted to the processing unit to determine the type of the touch event, and then the processing unit provides a corresponding visual output on the display panel according to the type of the touch event.
  • the input unit 2401 and the output unit 2403 function as two separate components to implement the input and output functions of the payment terminal 240, in some embodiments, the touch panel and the display panel may be integrated into one.
  • the input and output functions of the payment terminal 240 are implemented.
  • the image output unit can display various graphical user interfaces (English: Graphical User Interface; GUI) for use as virtual control components, including but not limited to windows, scroll axes, icons, and scrapbooks. For the user to operate through touch.
  • GUI Graphical User Interface
  • the image output unit includes a filter and an amplifier for filtering and amplifying the video output by the processing unit.
  • the audio output unit includes a digital to analog converter for converting the audio signal output by the processing unit from a digital format to an analog format.
  • the memory 2405 can be used to store software programs and modules that execute various functional applications of the payment terminal 240 and implement data processing by running software programs and modules stored in the memory 2405.
  • the memory 2405 mainly includes a program storage area and a data storage area, wherein the program storage area can store an operating system, an application required for at least one function, such as a sound playing program, an image playing program, etc.; the data storage area can be stored according to the receipt The data created by the use of the terminal 240 (such as audio data, phone book, etc.) and the like.
  • the memory 2405 may include a volatile memory, such as a non-volatile dynamic random access memory (Norvolatile Random Access Memory; NVRAM for short), phase change random access memory (English: Phase Change) RAM; abbreviation: PRAM), magnetoresistive random access memory (English: Magetoresistive RAM; MRAM for short), etc., may also include non-volatile memory, such as at least one disk storage device, electronically erasable programmable read only Memory (English: Electrically Erasable Programmable Read-Only Memory; EEPROM), flash memory device, such as NOR flash memory or NAND flash memory.
  • the non-volatile memory stores operating systems and applications executed by the processing unit.
  • the processing unit loads the running program and data from the non-volatile memory into the memory and stores the digital content in a plurality of storage devices.
  • the operating system includes various components and/or drivers for controlling and managing conventional system tasks such as memory management, storage device control, power management, and the like, as well as facilitating communication between various hardware and software.
  • the operating system may be an Android system of Google Inc., an iOS system developed by Apple Corporation, a Windows operating system developed by Microsoft Corporation, or an embedded operating system such as Vxworks.
  • the application includes any application installed on the payment terminal 240, including but not limited to browsers, emails, instant messaging services, word processing, keyboard virtualization, widgets, Encryption, digital rights management, speech recognition, voice replication, positioning (such as those provided by GPS), music playback, and more.
  • the memory 2405 stores a program that can be executed by the processor 2402.
  • this program can include:
  • the payment terminal Receiving, by the payment terminal, an application identifier of the first default payment application, where the payment terminal has at least two default contactless payment applications, each default contactless payment application corresponding to one credit interval, and the at least two default contactless payment
  • the at least two credit intervals corresponding to the application are consecutive and do not overlap
  • the first default payment application is that the payment terminal determines the default contactless payment corresponding to the credit interval in which the payment amount is located after obtaining the payment amount of the transaction.
  • a first member card application is set in the payment terminal, and the sending the payment amount to the payment terminal includes:
  • the payment amount is sent to the first loyalty card application of the payment terminal, so that the payment terminal obtains the payment amount in the first loyalty card application.
  • each default contactless payment application corresponds to one credit interval
  • the two quota intervals corresponding to the two default contactless payment applications are consecutive and do not overlap.
  • the two credit intervals corresponding to the two default contactless payment applications are obtained by dividing the first threshold value, and the second membership card application is set in the payment terminal.
  • the sending the payment amount to the payment terminal includes:
  • the sending the payment amount to the payment terminal includes:
  • the payment amount is transmitted to the payment terminal through a near field communication NFC message.
  • this program can include:
  • an application identifier of at least two default contactless payment applications where there are at least two default contactless payment applications, and each default contactless payment application corresponds to an amount interval, the at least two defaults
  • the quota interval corresponding to the contactless payment application is continuous and does not overlap;
  • an application identifier of the first default payment application where the first default payment application is a default contactless payment application corresponding to the credit interval in which the payment amount is located;
  • the obtaining, according to the application identifiers of the at least two default contactless payment applications, the application identifiers of the first default payment application including:
  • the application identifier of the default contactless payment application corresponding to the credit interval in which the payment amount is located is used as the application identifier of the first default payment application according to the correspondence between the application identifier of the preset contactless payment application and the credit interval.
  • the obtaining is obtained.
  • An application identifier for the default payment application including:
  • Power source 2407 is used to power different components of payment terminal 240 to maintain its operation.
  • the power source 2407 can be a built-in battery, such as a conventional lithium ion battery, a nickel hydride battery, etc., and also includes an external power source that directly supplies power to the cash register terminal 240, such as an AC adapter.
  • the power source 2407 can also be more widely defined, and may further include, for example, a power management system, a charging system, a power failure detecting circuit, a power converter or an inverter, and a power status indicator. (such as a light emitting diode), as well as any other components associated with the power generation, management, and distribution of the payment terminal 240.
  • the application identifier of the first default payment application sent by the payment terminal is received by the input unit, and the processor completes the transaction with the payment terminal by using the payment application corresponding to the application identifier.
  • the contactless application of the corresponding amount interval can be selected according to the transaction amount, and the user does not need to reset the default contactless payment application, thereby simplifying the payment step and improving the payment efficiency.
  • the embodiment of the present invention provides another contactless payment system, which may include: the payment terminal 230 shown in FIG. 22 and/or the collection terminal 240 shown in FIG.
  • the payment terminal selects the quota interval in which the payment amount is based on the payment amount of the transaction, and the default contactless payment application corresponding to the credit interval, and performs the corresponding payment behavior. .
  • the non-contact application, and the user does not need to reset the default contactless payment application, thus simplifying the payment step and improving the payment efficiency.

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Abstract

本发明公开了一种非接触支付方法、装置及***，属于通信领域。所述方法包括：获得交易的支付金额；在至少两个默认非接触支付应用对应的额度区间中，确定支付金额所在的额度区间；获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用；将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。本发明解决了支付步骤繁琐，支付效率较低的问题，实现了简化了支付步骤，提高了支付效率的效果，本发明用于非接触支付应用的支付。

Description

一种非接触支付方法、装置及***
本申请要求于2014年11月26日提交中国专利局、申请号为201410696938.1、发明名称为“一种非接触支付方法、装置及***”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及通信领域，特别涉及一种非接触支付方法、装置及***。
背景技术
非接触支付是银行卡或支付终端与收款终端直接产生无线信号连接，收款终端根据银行卡或支付终端的账户信息，处理支付交易的一种近距离支付方式。非接触支付应用是一种安装在支付终端上的应用，用于完成支付交易，支付终端中的一个非接触支付应用通常可以模拟一张银行卡，不同的非接触支付应用可以模拟不同的银行卡，非接触销售终端(英文：Point Of Sale；简称：POS)机能够通过网络实现资金的自动转帐。当安装有非接触支付应用的支付终端在靠近非接触POS机表面时，该支付终端能够与该非接触POS机通过无线电波的传递来完成支付动作。
现有技术中，安装有非接触支付应用的支付终端可以通过Tap&Pay(点击支付)功能链接到该非接触支付应用，现有的支付终端只支持设置一个默认非接触支付应用，在进行支付动作时，该支付终端采用该默认非接触支付应用模拟该非接触支付应用对应的银行卡进行资金支付。不同的非接触支付应用对应的银行卡中存在不同的可支付额度，若用户设置的默认非接触支付应用对应的银行卡为可支付额度较高的银行卡，如***，支付时需要在非接触POS机上输入密码和签名；若用户设置的默认非接触支付应用对应的银行卡为可支付额度较低的银行卡，如电子现金卡，支付时无需在非接触POS机上输入密码和签名。
现有技术中，由于支付终端上只能设置一个默认非接触支付应用，为了交 易的便利，通常会设置可支付额度相对较低的电子现金卡作为默认非接触应用，当需要支付的额度超过相应的可支付额度时，用户需要重新选择可支付额度更高的非接触支付应用进行交易，因此，支付步骤繁琐，支付效率较低。
发明内容
为了解决支付步骤繁琐，支付效率较低的问题，本发明提供了一种非接触支付方法、装置及***。所述技术方案如下：
第一方面，提供了一种非接触支付方法，用于支付终端，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述方法包括：
获得交易的支付金额；
在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠的额度区间中，确定所述支付金额所在的额度区间；
获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
将所述第一默认支付应用的应用标识发送至收款终端，以便于所述收款终端通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第一方面，在第一种可实现方式中，所述至少两个默认非接触支付应用是按照可支付额度或者优先级的顺序依次排布的，在所述获得交易的支付金额之前，所述方法还包括：
从所述支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为所述至少两个默认非接触支付应用；
获得至少一个分界额度值；
根据所述至少一个分界额度值和所述至少两个默认非接触支付应用的排布顺序，得到所述至少两个默认非接触支付应用对应的额度区间。
结合第一种可实现方式，在第二种可实现方式中，
所述获得所述至少一个分界额度值，包括：
获得预设的至少一个分界额度值作为所述至少一个分界额度值；
或者，接收用户设置的至少一个分界额度值作为所述至少一个分界额度值；
或者，获取所述至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为所述至少一个分界额度值。
结合第一方面，第一种可实现方式和第二种可实现方式，在第三种可实现方式中，所述支付终端中设置有第一会员卡应用，所述获得交易的支付金额，包括：
向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，并将所述支付金额发送至所述第一会员卡应用；
在所述第一会员卡应用中获得所述支付金额。
结合第一方面，第一种可实现方式和第二种可实现方式中的任意一种可实现方式，在第四种可实现方式中，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用；
所述获得交易的支付金额，包括：
向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计所述用户账单金额，在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；
在所述第二会员卡应用中获得所述支付金额。
结合第一方面，第一种可实现方式和第二种可实现方式，在第五种可实现方式中，所述获得交易的支付金额，包括：
通过下一代***环境NGSE消息接收所述收款终端发送的所述支付金额；
或者，通过近场通信NFC消息接收所述收款终端发送的所述支付金额。
结合第一方面至第一方面的第五种实现方式中的任意一种可实现方式，在第六种可实现方式中，在所述将所述第一默认支付应用的应用标识发送至收款终端之前，所述方法还包括：
将所述至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；
或者，将所述第一默认支付应用的应用标识配置到所述PPSE中。
第二方面，提供了一种非接触支付方法，用于收款终端，所述方法包括：
向支付终端发送支付金额；
接收支付终端发送的第一默认支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的至少两个额度区间连续且不重叠，所述第一默认支付应用为所述支付终端在获得交易的所述支付金额后，确定所述支付金额所在的额度区间对应的默认非接触支付应用得到的；
通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第二方面，在第一种可实现方式中，所述支付终端中设置有第一会员卡应用，所述向所述支付终端发送所述支付金额，包括：
接收所述支付终端发送的第一会员卡信息；
根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用；
将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
结合第一种可实现方式，在第二种可实现方式中，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，
所述向所述支付终端发送所述支付金额，包括：
接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；
在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
结合第二方面，在第三种可实现方式中，所述向所述支付终端发送所述支付金额，包括：
通过下一代***环境NGSE消息向所述支付终端发送所述支付金额；
或者，通过近场通信NFC消息向所述支付终端发送所述支付金额。
第三方面，提供了一种非接触支付方法，用于收款终端，所述方法包括：
获得交易的支付金额；
接收支付终端发送的至少两个默认非接触支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠；
根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第三方面，在第一种可实现方式中，所述根据所述至少两个默认非接 触支付应用的应用标识，获得第一默认支付应用的应用标识，包括：
获得所述至少两个默认非接触支付应用对应的额度区间；
根据预设的非接触支付应用的应用标识与额度区间的对应关系，将所述支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
结合第三方面，在第二种可实现方式中，所述根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，包括：
根据所述至少两个默认非接触支付应用的应用标识确定所述至少两个默认非接触支付应用对应的银行卡类型；
根据预设的银行卡类型与额度区间的对应关系，确定所述支付金额所在的额度区间对应的银行卡类型；
根据确定的银行卡类型，将所述确定的银行卡类型对应的应用标识作为所述第一默认支付应用的应用标识。
第四方面，提供了一种非接触支付装置，用于支付终端，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述非接触支付装置包括：
第一获得单元，用于获得交易的支付金额；
确定单元，用于在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠的额度区间中，确定所述支付金额所在的额度区间；
第二获得单元，用于获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
发送单元，用于将所述第一默认支付应用的应用标识发送至收款终端，以便于所述收款终端通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第四方面，在第一种可实现方式中，所述至少两个默认非接触支付应用是按照可支付额度或者优先级的顺序依次排布的，所述非接触支付装置还包 括：
选择单元，用于从所述支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为所述至少两个默认非接触支付应用；
第三获得单元，用于获得至少一个分界额度值；
处理单元，用于根据所述至少一个分界额度值和所述至少两个默认非接触支付应用的排布顺序，得到所述至少两个默认非接触支付应用对应的额度区间。
结合第一种可实现方式，在第二种可实现方式中，
所述第三获得单元具体用于：
获得预设的至少一个分界额度值作为所述至少一个分界额度值；
或者，接收用户设置的至少一个分界额度值作为所述至少一个分界额度值；
或者，用于获取所述至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为所述至少一个分界额度值。
结合第四方面，第一种可实现方式和第二种可实现方式中的任意一种可实现方式，在第三种可实现方式中，所述支付终端中设置有第一会员卡应用，所述第一获得单元包括：
第一发送模块，用于向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，并将所述支付金额发送至所述第一会员卡应用；
第一获得模块，用于在所述第一会员卡应用中获得所述支付金额。
结合第四方面，第一种可实现方式和第二种可实现方式中的任意一种可实现方式，在第四种可实现方式中，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡 应用；
所述第一获得单元包括：
第二发送模块，用于向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计所述用户账单金额，在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；
第二获得模块，用于在所述第二会员卡应用中获得所述支付金额。
结合第四方面，第一种可实现方式和第二种可实现方式中的任意一种可实现方式，在第五种可实现方式中，所述第一获得单元包括：
第一接收模块，用于通过下一代***环境NGSE消息接收所述收款终端发送的所述支付金额；
或者，通过近场通信NFC消息接收所述收款终端发送的所述支付金额。
结合第四方面，在第六种可实现方式中，所述非接触支付装置还包括：
配置单元，用于将所述至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；
或者，将所述第一默认支付应用的应用标识配置到所述PPSE中。
第五方面，提供了一种非接触支付装置，用于收款终端，所述非接触支付装置包括：
发送单元，用于向支付终端发送支付金额；
接收单元，用于接收支付终端发送的第一默认支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的至少两个额度区间连续且不重叠，所述第一默认支付应用为所述支付终端在获得交易的所述支付金额后，确定所述支付金额所在的额度区间对应的默认非接触支付应用得到的；
交易单元，用于通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第五方面，在第一种可实现方式中，所述发送单元包括：
第一接收模块，用于接收所述支付终端发送的第一会员卡信息；
第一查询模块，用于根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用；
第一发送模块，用于将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
结合第五方面，在第二种可实现方式中，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，
所述发送单元包括：
第二接收模块，用于接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；
第二查询模块，用于在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
第二发送模块，用于将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
结合第五方面、第五方面的第一种可实现方式和第二种可实现方式中的任意一种可实现方式，在第三种可实现方式中，所述发送单元包括：
第三发送模块，用于通过下一代***环境NGSE消息向所述支付终端发送 所述支付金额；
或者，通过近场通信NFC消息向所述支付终端发送所述支付金额。
第六方面，提供了一种非接触支付装置，用于收款终端，所述非接触支付装置包括：
第一获得单元，用于获得交易的支付金额；
接收单元，用于接收支付终端发送的至少两个默认非接触支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠；
第二获得单元，用于根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
交易单元，用于通过所述应用标识对应的支付应用与所述支付终端完成交易。
结合第六方面，在第一种可实现方式中，所述第二获得单元包括：
获得模块，用于获得所述至少两个默认非接触支付应用对应的额度区间；
第一作为模块，用于根据预设的非接触支付应用的应用标识与额度区间的对应关系，将所述支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
结合第六方面，在第二种可实现方式中，所述第二获得单元包括：
第一确定模块，用于根据所述至少两个默认非接触支付应用的应用标识确定所述至少两个默认非接触支付应用对应的银行卡类型；
第二确定模块，用于根据预设的银行卡类型与额度区间的对应关系，确定所述支付金额所在的额度区间对应的银行卡类型；
第二作为模块，用于根据确定的银行卡类型，将所述确定的银行卡类型对 应的应用标识作为所述第一默认支付应用的应用标识。
第七方面，提供了一种非接触支付***，所述非接触支付***包括：支付终端和收款终端，
所述支付终端包括：第四方面，第一至第六种可实现方式中的任意一种可实现方式所述的非接触支付装置；
所述收款终端包括：第五方面，第一至第三种可实现方式中的任意一种可实现方式所述的非接触支付装置。
第八方面，提供了一种非接触支付***，所述非接触支付***包括：支付终端和收款终端，
所述收款终端包括：第六方面，第一种可实现方式和第二种可实现方式中的任意一种可实现方式所述的非接触支付装置。
本发明提供的技术方案带来的有益效果是：
本发明提供了一种非接触支付方法、装置及***，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本发明实施例提供的一种非接触支付方法的方法流程图；
图2是本发明实施例提供的另一种非接触支付方法的方法流程图；
图3是本发明实施例提供的又一种非接触支付方法的方法流程图；
图4是本发明实施例提供的再一种非接触支付方法的方法流程图；
图5是本发明实施例提供的一种得到额度区间的方法流程图；
图6是本发明另一实施例提供的一种非接触支付方法的方法流程图；
图7是本发明实施例提供的一种获得应用标识的方法流程图；
图8是本发明实施例提供的另一种获得应用标识的方法流程图；
图9是本发明实施例提供了一种非接触支付装置的结构示意图；
图10是本发明实施例提供了另一种非接触支付装置的结构示意图；
图11是本发明实施例提供的一种第一获得单元的结构示意图；
图12是本发明实施例提供的另一种第一获得单元的结构示意图；
图13是本发明实施例提供的又一种第一获得单元的结构示意图；
图14是本发明实施例提供了又一种非接触支付装置的结构示意图；
图15是本发明另一实施例提供了一种非接触支付装置的结构示意图；
图16是本发明实施例提供的一种发送单元的结构示意图；
图17是本发明实施例提供的另一种发送单元的结构示意图；
图18是本发明实施例提供的又一种发送单元的结构示意图；
图19是本发明另一实施例提供了另一种非接触支付装置的结构示意图；
图20是本发明实施例提供的一种第二获得单元的结构示意图；
图21是本发明实施例提供的另一种第二获得单元的结构示意图；
图22是本发明实施例提供的一种支付终端的结构示意图；
图23是本发明实施例提供的一种收款终端的结构示意图。
具体实施方式
为使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明实施方式作进一步地详细描述。
本发明实施例提供了一种非接触支付方法的应用***，该非接触支付方法 的应用***中可以包括支付终端和收款终端，支付终端可以为安装有非接触支付应用的可移动智能终端，例如该支付终端可以为手机、平板电脑或智能手表等可移动智能终端，收款终端可以为能够实现资金的转帐的终端，示例的，该收款终端可以为非接触POS机或与非接触POS机关联的服务器。支付终端上安装有多个非接触支付应用，且不同的非接触支付应用可以模拟不同的银行卡，收款终端能够实现资金的自动转帐，且当安装有非接触支付应用的支付终端在靠近收款终端时，该支付终端能够与该收款终端完成相应的支付动作。
如图1所示，本发明实施例提供了一种非接触支付方法，用于支付终端，该支付终端可以为手机、平板电脑或智能手表等可移动智能终端，该支付终端中存在至少两个默认非接触支付应用，该至少两个默认非接触支付应用为预先在该支付终端中的多个非接触支付应用中选择得到的，通常由用户进行选择。每个默认非接触支付应用对应一个额度区间，该至少两个默认非接触支付应用对应的额度区间连续且不重叠。该非接触支付方法可以包括：
步骤101、获得交易的支付金额。
步骤102、在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠额度区间中，确定支付金额所在的额度区间。
步骤103、获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
步骤104、将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。
其中，连续且不重叠指的是两个非接触支付应用对应的两个额度区间中的不存在相同的额度值，且两个非接触支付应用对应的两个额度区间能够按照额度区间从小到大或者从大到小依次排布，相邻的两个非接触支付应用存在共同的边界值。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中 设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
可选的，至少两个默认非接触支付应用是按照可支付额度或者优先级顺序依次排布的，可支付额度指的是默认非接触支付应用对应的银行卡的账户额度或者电子现金余额上限(如电子现金卡)或者银行账户余额上限(如***)或者单笔交易限额。该优先级是预先设置在终端内，或者用户指定(如根据用户选择默认非接触支付应用的顺序或其他指定方法)，或者根据默认非接触支付应用的类型(如电子现金卡、***等)来确定，或者根据***策略来确定。
相应的，在步骤101之前，该非接触支付方法还可以包括：
从支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为至少两个默认非接触支付应用；获得至少一个分界额度值；根据至少一个分界额度值和至少两个默认非接触支付应用的排布顺序，得到至少两个默认非接触支付应用对应的额度区间，该至少两个默认非接触支付应用对应的额度区间连续且不重叠。其中，连续且不重叠指的是该至少两个非接触支付应用对应的额度区间中的不存在相同的额度值，且相邻的两个非接触支付应用存在共同的边界值，如(0，100]元和(100，200]元即为相邻且不重叠的额度区间。可选的，当一个交易金额属于一个额度区间的范围内时，优先在交易中使用此额度区间所对应的默认非接触支付应用。
其中，获得至少一个分界额度值可以包括：获得预设的至少一个分界额度值作为至少一个分界额度值；或者，接收用户设置的至少一个分界额度值作为至少一个分界额度值；或者，获取至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为至少一个分界额度值。
具体的，步骤101可以包括：通过下一代***环境(英文：The next generation of system environment；简称：NGSE)消息接收收款终端发送的支付金额；或者，通过近场通信(英文：Near Field Communication；简称：NFC)消息接收收款终端发送的支付金额。
可选的，支付终端可以通过会员卡应用来获得交易的支付金额，其中，会员卡应用是设置在支付终端中，存储了用户的会员卡信息的应用，可以模拟会员卡，会员卡应用可以通过无线保真(英文：Wireless-Fidelity；简称：Wi-Fi)、蜂窝网络或者NFC通信等无线通信技术来获取和会员卡相关的一些信息，如交易金额等，并可进行积分累计和/或金额优惠等相关动作。
示例的，所述支付终端中设置有第一会员卡应用，步骤101可以包括：向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述第一会员卡信息将所述支付金额发送至所述第一会员卡应用；在所述第一会员卡应用中获得所述支付金额。可选的，收款终端可根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，如：可得到第一会员卡应用的地址(通常为会员卡应用所在的支付终端的地址)或会员卡应用的账户等，并将所述支付金额发送至所述第一会员卡应用。
可选的，支付终端中可以存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，两个默认非接触支付应用对应的两个额度区间连续且不重叠，两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，步骤101可以包括：向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计用户账单金额，在累计的金额大于所述第一分界额度值时，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；在所述第二会员卡应用中获得所述支付金额。可选的，在累计的金额大于所述第一分界额度值时，收款终端可查询预设的会员卡应用与会员卡信息关系得到 所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用。
进一步的，在步骤104之前，该非接触支付方法还可以包括：将至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；或者，将第一默认支付应用的应用标识配置到PPSE中。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图2所示，本发明实施例提供了另一种非接触支付方法，用于收款终端，该收款终端可以为非接触POS机或与非接触POS机关联的服务器，该非接触支付方法可以包括：
步骤201、向支付终端发送支付金额。
步骤202、接收支付终端发送的第一默认支付应用的应用标识，支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，该至少两个默认非接触支付应用对应的额度区间连续且不重叠，第一默认支付应用为支付终端在获得交易的支付金额后，确定支付金额所在的额度区间对应的默认非接触支付应用得到的。
步骤203、通过应用标识对应的支付应用与支付终端完成交易。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间 对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
具体的，向支付终端发送支付金额可以包括：通过下一代***环境NGSE消息向支付终端发送支付金额；或者，通过近场通信NFC消息向支付终端发送支付金额。
示例的，所述支付终端中设置有第一会员卡应用，向支付终端发送支付金额可以包括：接收所述支付终端发送的第一会员卡信息；根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，如：可得到第一会员卡应用的地址(通常为会员卡应用所在的支付终端的地址)或会员卡应用的账户等；将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
可选的，支付终端中可以存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，两个默认非接触支付应用对应的两个额度区间连续且不重叠，两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，向支付终端发送支付金额可以包括：接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间 对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图3所示，本发明实施例提供了又一种非接触支付方法，用于收款终端，该收款终端可以为非接触POS机或与非接触POS机关联的服务器，该非接触支付方法可以包括：
步骤301、获得交易的支付金额。
步骤302、接收支付终端发送的至少两个默认非接触支付应用的应用标识，支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，该至少两个默认非接触支付应用对应的额度区间连续且不重叠。
步骤303、根据至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
步骤304、通过应用标识对应的支付应用与支付终端完成交易。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间。根据交易的支付金额选择交易的支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
进一步的，步骤303可以包括：
获得至少两个默认非接触支付应用对应的额度区间；根据预设的非接触支付应用的应用标识与额度区间的对应关系，将支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
示例的，步骤303可以包括：
根据至少两个默认非接触支付应用的应用标识确定至少两个默认非接触支付应用对应的银行卡类型；根据预设的银行卡类型与额度区间的对应关系，确定支付金额所在的额度区间对应的银行卡类型；根据确定的银行卡类型，将确定的银行卡类型对应的应用标识作为第一默认支付应用的应用标识。
综上所述，本发明实施例提供的非接触支付方法中，通过支付终端将至少两个默认非接触支付应用与每个默认非接触支付应用对应的额度区间发送至收款终端，收款终端根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例中，以该支付终端选择的默认非接触支付应用为两个为例，具体的，如图4所示，本发明实施例提供了再一种非接触支付方法，该非接触支付方法可以包括：
步骤401、支付终端从支付终端中存在的非接触支付应用中，选择两个非接触支付应用作为两个默认非接触支付应用。
具体的，支付终端中可以存在至少两个非接触支付应用，且每个非接触支付应用具有相应的可支付额度，该可支付额度可以为该非接触支付应用对应的银行卡的可支付金额的上限。假设该支付终端中存在四个非接触支付应用，分别为非接触支付应用A、非接触支付应用B、非接触支付应用C和非接触支付应用D，非接触支付应用A的可支付额度可以为1000元，非接触支付应用B的可支付额度可以为2000元，非接触支付应用C的可支付额度为3000元，非接触支付应用D的可支付额度可以为4000元。支付终端可以提示用户在该至少两个非接触支付应用中根据该可支付额度选择两个非接触支付应用，作为该支付 终端中的两个默认非接触支付应用。可选的，该至少两个默认非接触支付应用可以按照可支付额度或者优先级的顺序依次排布的。
例如，当用户在非接触支付应用A、非接触支付应用B、非接触支付应用C和非接触支付应用D中选择了非接触支付应用A和非接触支付应用B作为两个默认非接触支付应用，示例的，该非接触支付应用A为中国银行的***的非接触支付应用，非接触支付应用B为建设银行的***的非接触支付应用。非接触支付应用B的可支付额度高于非接触支付应用A的可支付额度，如表1所示，该两个默认非接触支付应用是按照可支付额度或者优先级由高到低的顺序依次排布的；或者如表2所示，该两个默认非接触支付应用是按照可支付额度或者优先级由低到高的顺序依次排布的。
Figure PCTCN2015095472-appb-000001
步骤402、支付终端获得两个默认非接触支付应用对应的两个额度区间。
支付终端获得两个默认非接触支付应用对应的两个额度区间的方法可以有多种，示例的，可以包括如下两种：
一方面，支付终端可以预设的额度区间中获得两个默认非接触支付应用对应的额度区间。
具体的，支付终端中存在的非接触支付应用中每个非接触支付应用对应一个预设的额度区间，因此，获得的每个默认非接触支付应用对应一个预设的额度区间，则支付终端可以在这些预设的额度区间中直接确定两个默认非接触支付应用对应的两个额度区间。例如：中国银行的***的非接触支付应用的预设额度区间为(0，1000]元，中国建设银行的***的非接触支付应用的预设额 度区间为(1500，5000]元，则直接获得该中国银行的***的非接触支付应用的预设额度区间和中国建设银行的***的非接触支付应用的预设额度区间。
另一方面，支付终端根据第一分界额度值划分得到两个默认非接触支付应用对应的两个额度区间。如图5所示，具体可以包括：
步骤4021、支付终端获得第一分界额度值。
假设用户选择了非接触支付应用A和非接触支付应用B为两个默认非接触支付应用，非接触支付应用A的可支付额度为1000元，非接触支付应用B的可支付额度为2000元。
第一方面，当该支付终端中设置有预设的分界额度值时，该支付终端可以获得该预设的分界额度值作为第一分界额度值。当该支付终端中设置有预设的分界额度值为900元时，该支付终端可以获得该900元作为该第一分界额度值。
第二方面，用户可以在该移动终端上设置该第一分界额度值。示例的，该分界额度值可以为两个默认非接触支付应用中可支付额度较低的非接触支付应用的任一可支付金额。可选的，当该支付终端选择的默认非接触支付应用的个数为n个时，该支付终端需获得n-1个的分界额度值。示例的，用户可以在该移动终端上设置非接触支付应用A和非接触支付应用B的第一分界额度值为800元。其中，非接触支付应用A的可支付额度1000元小于非接触支付应用B的可支付额度2000元，该第一分界额度值800元需小于等于该非接触支付应用A的可支付额度1000元。
第三方面，支付终端可以获取两个非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为该第一分界额度值。具体的，该实际可支付额度可以为该银行卡中实际存有的金额。
可选的，支付终端对于不同银行卡对应的默认非接触支付应用获取默认非接触支付应用的实际可支付额度的方法不同。示例的，若支付终端中存在多个银行卡对应的默认非接触支付应用，支付终端可能存储有一部分银行卡(如电 子现金卡)对应的默认非接触支付应用的实际可支付额度，则支付终端可以从本地的存储信息中快速获取该部分银行卡对应的默认非接触支付应用的实际可支付额度；由于支付终端未存储另一部分银行卡(如***)对应的默认非接触支付应用的实际可支付额度，且该默认非接触支付应用对应的实际可支付额度通常存储在相应服务器，则另一部分银行卡对应的默认非接触支付应用需要从相应的服务器中获取，支付终端获取该部分银行卡对应的默认非接触支付应用的实际可支付额度的速度较慢。
示例的，假设支付终端中设置有两个默认非接触支付应用，当支付终端中存储有一个默认非接触支付应用的实际可支付额度，可以获取该默认非接触支付应用的实际可支付额度作为该第一分界额度值；当支付终端中同时存储有两个默认非接触支付应用的实际可支付额度，或者同时未存储两个默认非接触支付应用的实际可支付额度，则可以获取两个默认非接触支付应用中可支付额度较低的非接触支付应用的实际可支付额度作为该第一分界额度值。假设两个默认的非接触支付应用分别为非接触支付应用A和非接触支付应用B，且非接触支付应用A为电子现金卡，非接触支付应用B为***，非接触支付应用A的可支付额度小于非接触支付应用B，若支付终端中存储有非接触支付应用A的实际可支付额度，则获取非接触支付应用A的实际可支付额度作为该第一分界额度值；若支付终端中同时存储有非接触支付应用A和B的实际可支付额度，或者同时未存储非接触支付应用A和B的实际可支付额度，则可以获取非接触支付应用A的实际可支付额度作为该第一分界额度值。
进一步的，假设该支付终端中设置有四个默认的非接触支付应用，分别为非接触支付应用C、非接触支付应用D、非接触支付应用E和非接触支付应用F，此时需获取三个分界额度值，即第一分界额度值、第二分界额度值和第三分界额度值。假设支付终端中存储有默认非接触支付应用C的实际可支付额度，该支付终端中未存储非接触支付应用D、E和F的实际可支付额度，且在非接触支 付应用D、E和F的可支付额度中，非接触支付应用F的可支付额度最大。则该支付终端可以获取非接触支付应用C的实际可支付额度，并检测非接触支付应用D、E和F的可支付额度，获取可支付额度较低的两个非接触支付应用的实际可支付额度，即获取非接触支付应用D和E的实际可支付额度。然后，可以将获取的非接触支付应用C、D和E的实际可支付额度按照从小到大的顺序进行排序，将排序后的非接触支付应用C、D和E的实际可支付额度分别作为第一分界额度值、第二分界额度值和第三分界额度值。可选的，如果支付终端中存储有非接触支付应用D和E对应的预设的分界额度值时，支付终端也可以获取非接触支付应用D和E对应的预设的分界额度值作为第二分界额度值和第三分界额度值。
若支付终端中同时存储有非接触支付应用C、非接触支付应用D、非接触支付应用E和非接触支付应用F的实际可支付额度，或者同时未存储非接触支付应用C、非接触支付应用D、非接触支付应用E和非接触支付应用F的实际可支付额度，且在非接触支付应用C、D、E和F的可支付额度中，非接触支付应用F的可支付额度最大。则该支付终端可以检测非接触支付应用C、D、E和F的可支付额度，获取可支付额度较低的非接触支付应用C、D和E的实际可支付额度，并可以将获取的非接触支付应用C、D和E的实际可支付额度按照从小到大的顺序进行排序，将排序后的非接触支付应用C、D和E的实际可支付额度分别作为第一分界额度值、第二分界额度值和第三分界额度值。
步骤4022、支付终端根据该第一分界额度值和该至少两个默认非接触支付应用的排布顺序，得到该两个默认非接触支付应用对应的两个额度区间。
示例的，可以根据步骤4021中得到的第一分界额度值和步骤401中得到的两个非接触支付应用的可支付额度，设置该两个默认非接触支付应用对应的两个额度区间。具体的，该两个默认非接触支付应用中，每个默认非接触支付应用对应一个额度区间，且该两个默认非接触支付应用对应的两个额度区间连续 且不重叠。假设步骤4021中得到的第一分界额度值为900元，则设置非接触支付应用A所对应的额度区间为(0，900]元，设置非接触支付应用B对应的额度区间为(900，+∞)元，(0，900]元和(900，+∞)元即为相邻且不重叠的额度区间。
步骤403、收款终端获得交易的支付金额。
示例的，该收款终端可以为非接触POS机或与非接触POS机关联的服务器。
步骤404、收款终端向支付终端发送该交易的支付金额。
第一方面，在该收款终端采集到交易的支付金额后，该收款终端可以将该交易的支付金额发送至支付终端。该收款终端可以通过NGSE消息，或者通过NFC消息将该支付金额发送至支付终端。可选的，NGSE是在2014年9月22日全球平台(Global Platform)上的电话会议(Conference Call)中，多卡仿真环境工作组(Multi-Card Emulation Environment Working Group)中的克莱尔·文诺特(Claire VENOT)在一个文件标题为“移动支付应用选择(Mobile Payment Application Selection)”的文件中提出来的。NFC为一种近距离通信技术，该NGSE消息也可以通过NFC消息进行传输。
第二方面，支付终端可以通过会员卡应用获取支付金额。
用户在进行消费金额的支付时，通常会使用会员卡，通过刷会员卡累积一定的积分，实际应用中，会员卡应用可以模拟会员卡，当安装有会员卡应用的支付终端在靠近收款终端时，该支付终端能够可与该收款终端完成相应的会员卡积分和/或金额优惠等动作。由于用户在通过支付终端注册会员卡时，已将会员卡信息与会员卡应用的对应关系记录在收款终端或相应的服务器中，收款终端能获取该会员卡信息与会员卡应用的对应关系，所以，收款终端可以根据该会员卡信息查询该会员卡信息对应的会员卡应用，确定该会员卡应用的地址(通常为会员卡应用所在的支付终端的地址)或会员卡应用的账户。示例的，该会员卡信息可以包括会员***，手机号等信息。
具体的，支付终端通过会员卡应用获取支付金额的方法至少包括两种：
第一，当支付终端中设置有第一会员卡应用，支付终端可以向收款终端发送第一会员卡信息；收款终端根据第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到第一会员卡信息对应的第一会员卡应用，根据该第一会员卡应用的地址，将支付金额发送至第一会员卡应用；由于第一会员卡应用与默认非接触支付应用均位于支付终端中，该支付终端可以在第一会员卡应用中获得支付金额。
第二，当支付终端中设置有第二会员卡应用，支付终端可以向收款终端发送第二会员卡信息和第一分界额度值；收款终端根据第二会员卡信息累计用户账单金额，在累计的金额大于第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到第二会员卡信息对应的第二会员卡应用，根据该第二会员卡应用的地址，将累计的金额作为支付金额发送至第二会员卡应用；由于第二会员卡应用与默认非接触支付应用均位于支付终端中，该支付终端可以在第二会员卡应用中获得支付金额。可选的，由于用户账单金额有可能还在累计中，所以，此时该支付金额与实际支付的金额可能不同。
例如，当用户选择了3件商品，其中第一件商品的价格为500元，第二件商品的价格为600元，第三件商品的价格为650元，此时假设该第一分界额度值为1000元。收款终端根据会员卡信息将用户账单金额登记到用户账户，并累计用户账单金额，当收款终端累计第一件商品时，将该第一件商品的价格500元登记到用户账户，当收款终端累计第二件商品时，将该第二件商品的价格600元登记到用户账户，此时由于该用户账户中累计的金额为1100元，大于该第一分界额度值1000元，所以收款终端将该累计的金额1100元作为支付金额发送至支付终端的会员卡应用，该支付终端可以在会员卡应用中获得该支付金额。同时，该收款终端需要进行该第三件商品金额的累计，即将该第三件商品的价格650元累计到该用户的账户中，得到该实际支付的金额为1750元。
现有技术中，当用户在消费结算时，若购买了多件商品，通常将所有商品的金额全部累计完成，将总的累计金额作为支付金额告知支付终端，而本发明实施例中，将第一会员卡信息和第一分界额度值同时发送给收款终端，当累计的金额大于所述第一分界额度值时，收款终端立即将支付额度发送给支付终端，这样支付终端可以迅速根据支付额度来确定第一默认支付应用，无需等到总的累计金额算出再进行默认支付应用的选择，减少了非接触支付过程总的时延，提高用户体验。
可选的，支付终端向收款终端发送会员卡信息的动作可以是支付终端与收款终端之间自动进行的动作，也可以是支付终端的用户或者收款终端的用户命令该支付终端或收款终端进行的动作。在该收款终端接收到该会员卡信息后，收款终端可以主动将该支付金额发送至支付终端，或者支付终端主动向该收款终端发送支付金额的查询信息，以便于收款终端向支付终端发送支付金额。
并且，支付终端通过会员卡应用获取支付金额时，收款终端可以通过Wi-Fi或者蜂窝网络建立与位于支付终端上的会员卡应用的网络连接，通过该网络连接将支付金额发送给支付终端上的会员卡应用；或者，收款终端通过与支付终端建立NFC连接，通过NFC信息将支付金额发送给支付终端上的会员卡应用。
步骤405、支付终端在两个默认非接触支付应用对应的两个额度区间中，确定支付金额所在的额度区间。
支付终端在接收到支付金额后，在该两个默认的非接触支付应用所对应的两个额度区间中选择该支付金额所在的额度区间，从而确定该支付金额所在的额度区间，以及该支付金额所在的额度区间对应的默认非接触支付应用。
示例的，该两个默认非接触支付应用可以预先设置有优先级，在该两个额度区间中查找该支付金额所在的额度区间时，可以优先查找优先级较高的默认非接触支付应用对应的额度区间，若该支付金额在该额度区间内，则停止查找，并确定支付金额在该额度区间内。若该支付金额不在该额度区间内， 则继续在优先级较低的默认非接触支付应用对应的额度区间进行查找，直到确定该支付金额所在的额度区间。
例如：两个默认非接触支付应用为非接触支付应用A和非接触支付应用B，非接触应用A的优先级较高，非接触应用B的优先级较低，非接触支付应用A所对应的额度区间为(0，900]元，非接触支付应用B对应的额度区间为(900，2000]元。假设该支付金额为500元，则首先可以在优先级较高的非接触应用A中进行查找，发现支付金额500元在额度区间为(0，900]元内，则停止查找，并确定支付金额500所在的额度区间为(0，900]元。假设支付金额为1000元，则则首先可以在优先级较高的非接触应用A中进行查找，发现支付金额500元不在额度区间为(0，900]元内，继续在优先级较低的默认非接触支付应用B对应的额度区间中进行查找，发现该支付金额1000元在额度区间(900，2000]元内，确定支付金额1000所在的额度区间为(900，2000]元。
步骤406、支付终端获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
由于步骤405中确定了该支付金额所在的额度区间，以及该支付金额所在的额度区间对应的默认非接触支付应用，即第一默认支付应用，且每个非接触支付应用都携带有该非接触支付应用的应用标识，所以该支付终端可以获得该第一默认支付应用的应用标识。
可选的，在实际应用中，步骤402中，支付终端获得两个默认非接触支付应用对应的两个额度区间可能存在重叠区域，或者两个默认非接触支付应用对应的两个额度区间存在不连续区域，在步骤406中，若支付金额落在重叠区域或者不连续区域，则可以设置两个默认非接触支付应用的优先级，获取优先级较高的默认非接触支付应用作为第一默认支付应用，通常的，可支付额度高的非接触支付应用的优先级较高。
步骤407、支付终端向收款终端发送第一默认支付应用的应用标识。
步骤408、收款终端通过应用标识对应的支付应用与支付终端完成交易。
示例的，收款终端通过应用标识对应的支付应用与支付终端完成交易的具体方法，可以参考现有技术中非接触支付应用完成支付的方法。
可选的，在步骤406之后，即在支付终端获得第一默认支付应用的应用标识之后，支付终端还可以将两个默认非接触支付应用的应用标识配置到近距离支付***环境(英文：Proximity Payment Systems Environment；简称：PPSE)中，或者将第一默认支付应用的应用标识配置到PPSE中，以便于收款终端进行后续的交易。并且，当支付终端选择的默认非接触支付应用的个数为其他值时，可以参考本发明实施例中两个默认非接触支付应用的处理方法，本发明实施例对此不做赘述。
需要说明的是，本发明实施例只是以支付终端中存在两个默认非接触支付应用为例进行示意性说明，实际应用中，支付终端中可以存在多个默认非接触支付应用，该多个默认非接触支付应用中任意两个额度区间相邻的非接触支付应用的非接触支付方法可以参考上述实施例中两个默认非接触支付应用的非接触支付方法，本发明实施例对此不做赘述。
综上所述，本发明实施例提供的非接触支付方法中，通过在支付终端中设置至少两个默认非接触支付应用，且每个默认非接触支付应用对应一个额度区间，根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例中，假设该支付终端选择的默认非接触支付应用为两个，当支付终端中存在两个默认非接触支付应用，具体的，如图6所示，本发明另一实施例提供了一种非接触支付方法，该非接触支付方法可以包括：
步骤601、收款终端获得交易的支付金额。
示例的，该收款终端可以为非接触POS机或与非接触POS机关联的服务器。
步骤602、支付终端从支付终端中存在的非接触支付应用中，选择两个非接触支付应用作为两个默认非接触支付应用。
可选的，本发明实施例中步骤602的具体解释可以参考上一实施例中对步骤401的具体解释。
步骤603、支付终端获得两个默认非接触支付应用对应的两个额度区间。
可选的，本发明实施例中步骤603的具体解释可以参考上一实施例中对步骤402的具体解释。
步骤604、支付终端向收款终端发送两个默认非接触支付应用的应用标识。
可选的，支付终端可以将步骤602中得到的两个默认非接触支付应用的应用标识发送至收款终端。
步骤605、收款终端根据两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
一方面，如图7所示，步骤605可以包括：
步骤6051、收款终端获得两个默认非接触支付应用对应的两个额度区间。
具体的，收款终端中可以获得预先设置的该两个默认非接触支付应用对应的两个额度区间。示例的，收款终端也可以获得该支付终端发送的该两个默认非接触支付应用对应的两个额度区间。该支付终端获的该两个默认非接触支付应用对应的两个额度区间的具体步骤可以参考上一实施例中的步骤402中的具体步骤。
步骤6052、收款终端根据预设的非接触支付应用的应用标识与额度区间的对应关系，将支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
示例的，收款终端可以判断步骤601中获得的支付金额所在的额度区间，根据该额度区间与非接触支付应用的对应关系，将支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。例如：收款终端接收到的两个默认非接触支付应用分别为非接触支付应用A和非接触支付应用B，该非接触支付应用A对应的额度区间为(0，1000]元，该非接触支付应用B对应的额度区间为(1000，2000]元。当该收款终端获得的支付金额为500元时，该收款终端可以判断该支付金额所在的额度区间为(0，1000]元，将额度区间(0，1000]元对应的默认非接触支付应用A的应用标识作为第一默认支付应用的应用标识。
另一方面，如图8所示，步骤605可以包括：
步骤6051、收款终端根据两个默认非接触支付应用的应用标识确定两个默认非接触支付应用对应的银行卡类型。
示例的，该收款终端中可以根据该两个默认非接触支付应用的应用标识，在该收款终端的内存中或者联接到互联网中进行查询该两个默认非接触支付应用对应的银行卡类型。可选的，不同的银行卡可以对应不同的额度区间。
步骤6052、收款终端根据预设的银行卡类型与额度区间的对应关系，确定支付金额所在的额度区间对应的银行卡类型。
收款终端此时已经确定了该两个默认非接触支付应用对应的银行卡类型以及该银行卡类型对应的额度区间。收款终端可以判断步骤601中获得的支付金额所在的额度区间，从而得出该支付金额所对应的银行卡类型。例如：收款终端接收到的两个默认非接触支付应用分别为中国银行的***的非接触支付应用A和中国建设银行的***的非接触支付应用B，其中，该中国银行的***对应的额度区间为(0，1000]元，该中国建设银行的***对应的额度区间为(1000，2000]元。当该收款终端获得的支付金额为500元时，该收款终端可以判断该支付金额所在的额度区间为(0，1000]元，确定该支付金额500元所 在的额度区间(0，1000]元对应银行卡类型为中国银行的***。
步骤6053、收款终端根据确定的银行卡类型，将确定的银行卡类型对应的应用标识作为第一默认支付应用的应用标识。
具体的，由于步骤6053中已经确定了支付金额所在的额度区间对应的银行卡类型，所以可以将该确定的银行卡类型对应的应用标识作为第一默认支付应用的应用标识。示例的，当确定支付金额所在的额度区间对应银行卡类型为中国银行的***时，可以将该中国银行的***的非接触支付应用的应用标识作为该第一默认支付应用的应用标识。
步骤606、收款终端通过应用标识对应的支付应用与支付终端完成交易。
示例的，收款终端通过步骤605中获得的应用标识对应的支付应用与支付终端完成交易的具体方法，可以参考现有技术中非接触支付应用完成支付的方法。
并且，当支付终端选择的默认非接触支付应用的个数为其他值时，可以参考本发明实施例中两个默认非接触支付应用的处理方法，本发明实施例对此不做赘述。
综上所述，本发明实施例提供的非接触支付方法中，通过支付终端将至少两个默认非接触支付应用与每个默认非接触支付应用对应的额度区间发送至收款终端，收款终端根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图9所示，本发明实施例提供了一种非接触支付装置90，用于支付终端，该支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，该非接触支付装置90可以包括：
第一获得单元901，用于获得交易的支付金额。
确定单元902，用于在至少两个默认非接触支付应用对应的额度区间中，确定支付金额所在的额度区间，至少两个默认非接触支付应用对应的额度区间连续且不重叠。
第二获得单元903，用于获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
发送单元904，用于将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。
综上所述，本发明实施例提供的非接触支付装置中，通过确定单元根据交易的支付金额确定支付金额所在的额度区间，第二获得单元获得第一默认支付应用的应用标识，发送单元将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图10所示，本发明实施例提供了另一种非接触支付装置90，用于支付终端，该非接触支付装置90可以包括：
第一获得单元901，用于获得交易的支付金额。
确定单元902，用于在至少两个默认非接触支付应用对应的额度区间中，确定支付金额所在的额度区间。
第二获得单元903，用于获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
发送单元904，用于将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。
选择单元905，用于从支付终端中存在的非接触支付应用中，选择至少两个 非接触支付应用作为至少两个默认非接触支付应用。
第三获得单元906，用于获得至少一个分界额度值。
处理单元907，用于根据至少一个分界额度值和至少两个默认非接触支付应用的排布顺序，得到至少两个默认非接触支付应用对应的额度区间。
综上所述，本发明实施例提供的非接触支付装置中，通过确定单元根据交易的支付金额确定支付金额所在的额度区间，第二获得单元获得第一默认支付应用的应用标识，发送单元将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
示例的，该第三获得单元906具体用于：获得预设的至少一个分界额度值作为至少一个分界额度值；或者，接收用户设置的至少一个分界额度值作为至少一个分界额度值；或者，获取至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为至少一个分界额度值。
如图11所示，第一获得单元901可以包括：
第一接收模块9011，用于通过下一代***环境NGSE消息接收收款终端发送的支付金额；或者，通过近场通信NFC消息接收收款终端发送的支付金额。
支付终端中设置有第一会员卡应用，如图12所示，第一获得单元901可以包括：
第一发送模块9012，用于向收款终端发送第一会员卡信息，以便于收款终端根据第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到第一会员卡信息对应的第一会员卡应用，并将支付金额发送至第一会员卡应用。
第一获得模块9013，用于在第一会员卡应用中获得支付金额。
具体的，支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，两个默认非接触支付应用对应的两个额度区间连续且 不重叠，两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，支付终端中设置有第二会员卡应用，如图13所示，第一获得单元901可以包括：
第二发送模块9014，用于向收款终端发送第二会员卡信息和第一分界额度值，以便于收款终端根据第二会员卡信息累计用户账单金额，在累计的金额大于第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到第二会员卡信息对应的第二会员卡应用，将累计的金额作为支付金额发送至第二会员卡应用。
第二获得模块9015，用于在第二会员卡应用中获得支付金额。
综上所述，本发明实施例提供的非接触支付装置中，通过确定单元根据交易的支付金额确定支付金额所在的额度区间，第二获得单元获得第一默认支付应用的应用标识，发送单元将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例提供了又一种非接触支付装置90，用于支付终端，如图14所示，该非接触支付装置90可以包括：
第一获得单元901，用于获得交易的支付金额。
确定单元902，用于在至少两个默认非接触支付应用对应的额度区间中，确定支付金额所在的额度区间。
第二获得单元903，用于获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
发送单元904，用于将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。
选择单元905，用于从支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为至少两个默认非接触支付应用。
第三获得单元906，用于获得至少一个分界额度值。
处理单元907，用于根据至少一个分界额度值和至少两个默认非接触支付应用的排布顺序，得到至少两个默认非接触支付应用对应的额度区间。
配置单元908，用于将至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；或者，将第一默认支付应用的应用标识配置到PPSE中。
综上所述，本发明实施例提供的非接触支付装置中，通过确定单元根据交易的支付金额确定支付金额所在的额度区间，第二获得单元获得第一默认支付应用的应用标识，发送单元将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明另一实施例提供了一种非接触支付装置150，用于收款终端，如图15所示，该非接触支付装置150可以包括：
接收单元1501，用于接收支付终端发送的第一默认支付应用的应用标识，支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠，第一默认支付应用为支付终端在获得交易的支付金额后，确定支付金额所在的额度区间对应的默认非接触支付应用得到的。
交易单元1502，用于通过应用标识对应的支付应用与支付终端完成交易。
发送单元1503，用于向支付终端发送支付金额。
综上所述，本发明实施例提供的非接触支付装置中，通过接收单元接收 支付终端发送的第一默认支付应用的应用标识，交易单元通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图16所示，发送单元1503可以包括：
第一接收模块15031，用于接收所述支付终端发送的第一会员卡信息。
第一查询模块15032，用于根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用。
第一发送模块15033，用于将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
示例的，支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，两个默认非接触支付应用对应的两个额度区间连续且不重叠，两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，支付终端中设置有第二会员卡应用，如图17所示，发送单元1503可以包括：
第二接收模块15034，用于接收支付终端发送的会员卡信息和第一分界额度值。
第二查询模块15035，用于在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
第二发送模块15036，用于将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
如图18所示，发送单元1503可以包括：
第三发送模块15037，用于通过下一代***环境NGSE消息向支付终端发送 支付金额；或者，通过近场通信NFC消息向支付终端发送支付金额。
综上所述，本发明实施例提供的非接触支付装置中，通过接收单元接收支付终端发送的第一默认支付应用的应用标识，交易单元通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明另一实施例提供了另一种非接触支付装置200，用于收款终端，如图19所示，该非接触支付装置200可以包括：
第一获得单元2001，用于获得交易的支付金额。
接收单元2002，用于接收支付终端发送的至少两个默认非接触支付应用的应用标识，支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠。
第二获得单元2003，用于根据至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，第一默认支付应用为支付金额所在的额度区间对应的默认非接触支付应用。
交易单元2004，用于通过应用标识对应的支付应用与支付终端完成交易。
综上所述，本发明实施例提供的非接触支付装置中，通过第一获得单元获得交易的支付金额，接收单元接收支付终端发送的至少两个默认非接触支付应用的应用标识，第二获得单元从至少两个默认非接触支付应用的应用标识中，获得支付金额所在的额度区间对应的第一默认支付应用的应用标识，交易单元通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图20所示，第二获得单元2003可以包括：
获得模块20031，用于获得至少两个默认非接触支付应用对应的额度区间。
第一作为模块20032，用于根据预设的非接触支付应用的应用标识与额度区间的对应关系，将支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
如图21所示，第二获得单元2003可以包括：
第一确定模块20033，用于根据至少两个默认非接触支付应用的应用标识确定至少两个默认非接触支付应用对应的银行卡类型。
第二确定模块20034，用于根据预设的银行卡类型与额度区间的对应关系，确定支付金额所在的额度区间对应的银行卡类型。
第二作为模块20035，用于根据确定的银行卡类型，将确定的银行卡类型对应的应用标识作为第一默认支付应用的应用标识。
综上所述，本发明实施例提供的非接触支付装置中，通过第一获得单元获得交易的支付金额，接收单元接收支付终端发送的至少两个默认非接触支付应用的应用标识，第二获得单元从至少两个默认非接触支付应用的应用标识中，获得支付金额所在的额度区间对应的第一默认支付应用的应用标识，交易单元通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例提供了一种非接触支付***，该接触支付***可以包括：支付终端和收款终端。具体的，该支付终端可以包括图9、图10和图14所示的任一非接触支付装置90。该收款终端可以包括：图15所示的非接触支付装置150。
综上所述，本发明实施例提供的非接触支付***中，通过支付终端根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认 非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例提供了另一种非接触支付***，该接触支付***可以包括：支付终端和收款终端，该收款终端可以包括：图19所示的非接触支付装置200。
综上所述，本发明实施例提供的非接触支付***中，通过收款终端根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图22所示，本发明另一实施例提供了又一种非接触支付装置，用于支付终端230，所述支付终端230中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠，所述支付终端230包括输入单元2301、处理器2302、输出单元2303、通信单元2304、存储器2305、外设单元2306、电源2307等组件。这些组件通过一条或多条总线进行通信。本领域技术人员可以理解，图22中示出的支付终端230的结构并不构成对本发明的限定，它既可以是总线形结构，也可以是星型结构，还可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。在本发明实施方式中，所述支付终端230可以是任何移动或便携式支付终端，包括但不限于移动电脑、平板电脑、个人数字助理(英文：Personal Digital Assistant；简称：PDA)和智能手表，以及上述两项或两项以上的组合等。
输入单元2301用于实现用户与支付终端230的交互和/或信息输入到支付终 端230中。例如，输入单元2301可以接收用户输入的数字或字符信息，以产生与用户设置或功能控制有关的信号输入。在本发明具体实施方式中，输入单元2301可以是触控面板，也可以是其他人机交互界面，例如实体输入键、麦克风等，还可是其他外部信息撷取装置，例如摄像头等。触控面板，也称为触摸屏或触控屏，可收集用户在其上触摸或接近的操作动作。比如用户使用手指、触笔等任何适合的物体或附件在触控面板上或接近触控面板的位置的操作动作，并根据预先设定的程式驱动相应的连接装置。可选的，触控面板可包括触摸检测装置和触摸控制器两个部分。其中，触摸检测装置检测用户的触摸操作，并将检测到的触摸操作转换为电信号，以及将所述电信号传送给触摸控制器；触摸控制器从触摸检测装置上接收所述电信号，并将它转换成触点坐标，再送给处理单元。所述触摸控制器还可以接收处理单元发来的命令并执行。此外，可以采用电阻式、电容式、红外线(Infrared)以及表面声波等多种类型实现触控面板。在本发明的其他实施方式中，输入单元2301所采用的实体输入键可以包括但不限于物理键盘、功能键(比如音量控制按键、开关按键等)、轨迹球、鼠标、操作杆等中的一种或多种。麦克风形式的输入单元2301可以收集用户或环境输入的语音并将其转换成电信号形式的、处理单元可执行的命令。
处理器2302为支付终端230的控制中心，利用各种接口和线路连接整个支付终端230的各个部分，通过运行或执行存储在存储器2305内的软件程序和/或模块，以及调用存储在存储器2305内的数据，以执行支付终端230的各种功能和/或处理数据。所述处理器2302可以由集成电路(英文：Integrated Circuit；简称：IC)组成，例如可以由单颗封装的IC所组成，也可以由连接多颗相同功能或不同功能的封装IC而组成。举例来说，处理器2302可以仅包括中央处理器2302(英文：Central Processing Unit；简称：CPU)，也可以是GPU、数字信号处理器2302(英文：Digital Signal Processor；简称：DSP)、及通信单元2304中的控制芯片(例如基带芯片)的组合。在本发明实施方式中，CPU可以是单 运算核心，也可以包括多运算核心。
所述通信单元2304用于建立通信信道，使支付终端230通过所述通信信道以连接至收款终端，并从所述收款终端获取相应信息。所述通信单元2304可以包括无线局域网(英文：Wireless Local Area Network；简称：wireless LAN)模块、蓝牙模块、基带(Base Band)模块、NFC模块等通信模块，以及所述通信模块对应的射频(英文：Radio Frequency；简称：RF)电路，用于进行无线局域网络通信、蓝牙通信、红外线通信及/或蜂窝式通信***通信，例如宽带码分多重接入(英文：Wideband Code Division Multiple Access；简称：W-CDMA)及/或高速下行封包存取(英文：High Speed Downlink Packet Access；简称：HSDPA)。所述通信模块用于控制支付终端230中的各组件的通信，并且可以支持直接内存存取(Direct Memory Access)。
在本发明的不同实施方式中，所述通信单元2304中的各种通信模块一般以集成电路芯片(Integrated Circuit Chip)的形式出现，并可进行选择性组合，而不必包括所有通信模块及对应的天线组。例如，所述通信单元2304可以仅包括基带芯片、射频芯片以及相应的天线以在一个蜂窝通信***中提供通信功能。经由所述通信单元2304建立的无线通信连接，例如无线局域网接入或WCDMA接入，所述支付终端230可以连接至蜂窝网(Cellular Network)或因特网(Internet)。在本发明的一些可选实施方式中，所述通信单元2304中的通信模块，例如基带模块可以集成到处理器2302中，典型的如高通(Qualcomm)公司提供的APQ+MDM系列平台。
射频电路用于信息收发或通话过程中接收和发送信号。例如，将基站的下行信息接收后，给处理单元处理；另外，将设计上行的数据发送给基站。通常，所述射频电路包括用于执行这些功能的公知电路，包括但不限于天线***、射频收发机、一个或多个放大器、调谐器、一个或多个振荡器、数字信号处理器、编解码(Codec)芯片组、用户身份模块(SIM)卡、存储器等等。此外，射频 电路还可以通过无线通信与网络和其他设备通信。所述无线通信可以使用任一通信标准或协议，包括但不限于GSM(英文：Global System of Mobile communication；简称：全球移动通讯***)、GPRS(英文：General Packet Radio Service；简称：通用分组无线服务)、CDMA(英文：Code Division Multiple Access；简称：码分多址)、WCDMA(英文：Wideband Code Division Multiple Access；简称：宽带码分多址)、高速上行行链路分组接入技术(英文：High Speed Uplink Packet Access；简称：HSUPA)、LTE(英文：Long Term Evolution；简称：长期演进)、电子邮件、SMS(英文：Short Messaging Service；简称：短消息服务)等。
输出单元2303包括但不限于影像输出单元和声音输出单元。影像输出单元用于输出文字、图片和/或视频。所述影像输出单元可包括显示面板，例如采用LCD(英文：Liquid Crystal Display；简称：液晶显示器)、OLED(英文：Organic Light-Emitting Diode；简称：有机发光二极管)、场发射显示器(英文：field emission display；简称：FED)等形式来配置的显示面板。或者所述影像输出单元可以包括反射式显示器，例如电泳式(electrophoretic)显示器，或利用光干涉调变技术(Interferometric Modulation of Light)的显示器。所述影像输出单元可以包括单个显示器或不同尺寸的多个显示器。在本发明的具体实施方式中，上述输入单元2301所采用的触控面板亦可同时作为输出单元2303的显示面板。例如，当触控面板检测到在其上的触摸或接近的手势操作后，传送给处理单元以确定触摸事件的类型，随后处理单元根据触摸事件的类型在显示面板上提供相应的视觉输出。虽然在图22中，输入单元2301与输出单元2303是作为两个独立的部件来实现支付终端230的输入和输出功能，但是在某些实施例中，可以将触控面板与显示面板集成一体而实现支付终端230的输入和输出功能。例如，所述影像输出单元可以显示各种图形化用户接口(英文：Graphical User Interface；简称：GUI)以作为虚拟控制组件，包括但不限于窗口、卷动轴、图标及剪贴簿， 以供用户通过触控方式进行操作。
在本发明具体实施方式中，影像输出单元包括滤波器及放大器，用来将处理单元所输出的视频滤波及放大。音频输出单元包括数字模拟转换器，用来将处理单元所输出的音频信号从数字格式转换为模拟格式。
存储器2305可用于存储软件程序以及模块，处理单元通过运行存储在存储器2305的软件程序以及模块，从而执行支付终端230的各种功能应用以及实现数据处理。存储器2305主要包括程序存储区和数据存储区，其中，程序存储区可存储操作***、至少一个功能所需的应用程序，比如声音播放程序、图像播放程序等等；数据存储区可存储根据支付终端230的使用所创建的数据(比如音频数据、电话本等)等。在本发明具体实施方式中，存储器2305可以包括易失性存储器2305，例如非挥发性动态随机存取内存(英文：Nonvolatile Random Access Memory；简称：NVRAM)、相变化随机存取内存(英文：Phase Change RAM；简称：PRAM)、磁阻式随机存取内存(英文：Magetoresistive RAM；简称：MRAM)等，还可以包括非易失性存储器，例如至少一个磁盘存储器件、电子可擦除可编程只读存储器(英文：Electrically Erasable Programmable Read-Only Memory；简称：EEPROM)、闪存器件，例如反或闪存(NOR flash memory)或是反及闪存(NAND flash memory)。非易失存储器储存处理单元所执行的操作***及应用程序。所述处理单元从所述非易失存储器加载运行程序与数据到内存并将数字内容储存于大量储存装置中。所述操作***包括用于控制和管理常规***任务，例如内存管理、存储设备控制、电源管理等，以及有助于各种软硬件之间通信的各种组件和/或驱动器。在本发明实施方式中，所述操作***可以是Google公司的Android***、Apple公司开发的iOS***或Microsoft公司开发的Windows操作***等，或者是Vxworks这类的嵌入式操作***。
所述应用程序包括安装在支付终端230上的任何应用，包括但不限于浏览器、电子邮件、即时消息服务、文字处理、键盘虚拟、窗口小部件(Widget)、 加密、数字版权管理、语音识别、语音复制、定位(例如由全球定位***提供的功能)、音乐播放等等。在一些实施方式中，存储器2305存储了程序，该程序可以被处理器2302执行，这个程序包括：
获得交易的支付金额；
在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠的额度区间中，确定所述支付金额所在的额度区间；
获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
将所述第一默认支付应用的应用标识发送至收款终端，以便于所述收款终端通过所述应用标识对应的支付应用与所述支付终端230完成交易。
可选的，所述至少两个默认非接触支付应用是按照可支付额度或者优先级的顺序依次排布的，在所述获得交易的支付金额之前，所述方法还包括：
从所述支付终端230中存在的非接触支付应用中，选择至少两个非接触支付应用作为所述至少两个默认非接触支付应用；
获得至少一个分界额度值；
根据所述至少一个分界额度值和所述至少两个默认非接触支付应用的排布顺序，得到所述至少两个默认非接触支付应用对应的额度区间。
可选的，所述获得所述至少一个分界额度值，包括：
获得预设的至少一个分界额度值作为所述至少一个分界额度值；
或者，接收用户设置的至少一个分界额度值作为所述至少一个分界额度值；
或者，获取所述至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为所述至少一个分界额度值。
可选的，所述支付终端230中设置有第一会员卡应用，
所述获得交易的支付金额，包括：
向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述 第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，并将所述支付金额发送至所述第一会员卡应用；
在所述第一会员卡应用中获得所述支付金额。
可选的，所述支付终端230中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端230中设置有第二会员卡应用，
所述获得交易的支付金额，包括：
向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计所述用户账单金额，在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；
在所述第二会员卡应用中获得所述支付金额。
可选的，所述获得交易的支付金额，包括：
通过下一代***环境NGSE消息接收所述收款终端发送的所述支付金额；
或者，通过近场通信NFC消息接收所述收款终端发送的所述支付金额。
可选的，在所述将所述第一默认支付应用的应用标识发送至收款终端之前，所述方法还包括：
将所述至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；
或者，将所述第一默认支付应用的应用标识配置到所述PPSE中。
电源2307用于给支付终端230的不同部件进行供电以维持其运行。作为一般性理解，所述电源2307可以是内置的电池，例如常见的锂离子电池、镍氢电池等，也包括直接向支付终端230供电的外接电源，例如AC适配器等。在本发 明的一些实施方式中，所述电源2307还可以作更为广泛的定义，例如还可以包括电源管理***、充电***、电源故障检测电路、电源转换器或逆变器、电源状态指示器(如发光二极管)，以及与支付终端230的电能生成、管理及分布相关联的其他任何组件。
综上所述，本发明实施例提供的非接触支付装置中，通过处理器根据交易的支付金额确定支付金额所在的额度区间，处理器获得第一默认支付应用的应用标识，通信单元将第一默认支付应用的应用标识发送至收款终端，以便于收款终端通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
如图23所示，本发明另一实施例提供了再一种非接触支付装置，用于收款终端240，所述收款终端240包括输入单元2401、处理器2402、输出单元2403、通信单元2404、存储器2405、外设单元2406、电源2407等组件。这些组件通过一条或多条总线进行通信。本领域技术人员可以理解，图23中示出的收款终端240的结构并不构成对本发明的限定，它既可以是总线形结构，也可以是星型结构，还可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。在本发明实施方式中，所述收款终端240可以是任何移动或便携式收款终端，包括但不限于收款装置可以为非接触POS机或与非接触POS机关联的服务器，以及上述两项或两项以上的组合等。
输入单元2401用于实现用户与收款终端240的交互和/或信息输入到收款终端240中。例如，输入单元2401可以接收用户输入的数字或字符信息，以产生与用户设置或功能控制有关的信号输入。在本发明具体实施方式中，输入单元2401可以是触控面板，也可以是其他人机交互界面，例如实体输入键、麦克风等，还可是其他外部信息撷取装置，例如摄像头等。触控面板，也称为触摸屏 或触控屏，可收集用户在其上触摸或接近的操作动作。比如用户使用手指、触笔等任何适合的物体或附件在触控面板上或接近触控面板的位置的操作动作，并根据预先设定的程式驱动相应的连接装置。可选的，触控面板可包括触摸检测装置和触摸控制器两个部分。其中，触摸检测装置检测用户的触摸操作，并将检测到的触摸操作转换为电信号，以及将所述电信号传送给触摸控制器；触摸控制器从触摸检测装置上接收所述电信号，并将它转换成触点坐标，再送给处理单元。所述触摸控制器还可以接收处理单元发来的命令并执行。此外，可以采用电阻式、电容式、红外线(Infrared)以及表面声波等多种类型实现触控面板。在本发明的其他实施方式中，输入单元2401所采用的实体输入键可以包括但不限于物理键盘、功能键(比如音量控制按键、开关按键等)、轨迹球、鼠标、操作杆等中的一种或多种。麦克风形式的输入单元2401可以收集用户或环境输入的语音并将其转换成电信号形式的、处理单元可执行的命令。
在本发明的其他一些实施方式中，所述输入单元2401还可以是各类传感器件，例如霍尔器件，用于侦测收款终端240的物理量，例如力、力矩、压力、应力、位置、位移、速度、加速度、角度、角速度、转数、转速以及工作状态发生变化的时间等，转变成电量来进行检测和控制。其他的一些传感器件还可以包括重力感应计、三轴加速计、陀螺仪等。
处理器2402为收款终端240的控制中心，利用各种接口和线路连接整个收款终端240的各个部分，通过运行或执行存储在存储器2405内的软件程序和/或模块，以及调用存储在存储器2405内的数据，以执行收款终端240的各种功能和/或处理数据。所述处理器2402可以由集成电路(英文：Integrated Circuit；简称：IC)组成，例如可以由单颗封装的IC所组成，也可以由连接多颗相同功能或不同功能的封装IC而组成。举例来说，处理器2402可以仅包括中央处理器(英文：Central Processing Unit；简称：CPU)，也可以是GPU、数字信号处理器(英文：Digital Signal Processor；简称：DSP)、及通信单元2404中的控 制芯片(例如基带芯片)的组合。在本发明实施方式中，CPU可以是单运算核心，也可以包括多运算核心。
所述通信单元2404用于建立通信信道，使收款终端240通过所述通信信道以连接至收款终端240，并从所述收款终端240获取相应信息。所述通信单元2404可以包括无线局域网(英文：Wireless Local Area Network；简称：wireless LAN)模块、蓝牙模块、基带(Base Band)模块、NFC模块等通信模块，以及所述通信模块对应的射频(英文：Radio Frequency；简称：RF)电路，用于进行无线局域网络通信、蓝牙通信、红外线通信及/或蜂窝式通信***通信，例如宽带码分多重接入(英文：Wideband Code Division Multiple Access；简称：W-CDMA)及/或高速下行封包存取(英文：High Speed Downlink Packet Access；简称：HSDPA)。所述通信模块用于控制收款终端240中的各组件的通信，并且可以支持直接内存存取(Direct Memory Access)。
在本发明的不同实施方式中，所述通信单元2404中的各种通信模块一般以集成电路芯片(Integrated Circuit Chip)的形式出现，并可进行选择性组合，而不必包括所有通信模块及对应的天线组。例如，所述通信单元2404可以仅包括基带芯片、射频芯片以及相应的天线以在一个蜂窝通信***中提供通信功能。经由所述通信单元2404建立的无线通信连接，例如无线局域网接入或WCDMA接入，所述收款终端240可以连接至蜂窝网(Cellular Network)或因特网(Internet)。在本发明的一些可选实施方式中，所述通信单元2404中的通信模块，例如基带模块可以集成到处理器2402中，典型的如高通(Qualcomm)公司提供的APQ+MDM系列平台。
射频电路用于信息收发或通话过程中接收和发送信号。例如，将基站的下行信息接收后，给处理单元处理；另外，将设计上行的数据发送给基站。通常，所述射频电路包括用于执行这些功能的公知电路，包括但不限于天线***、射频收发机、一个或多个放大器、调谐器、一个或多个振荡器、数字信号处理器、 编解码(Codec)芯片组、用户身份模块(SIM)卡、存储器等。此外，射频电路还可以通过无线通信与网络和其他设备通信。所述无线通信可以使用任一通信标准或协议，包括但不限于GSM(英文：Global System of Mobile communication；简称：全球移动通讯***)、GPRS(英文：General Packet Radio Service；简称：通用分组无线服务)、CDMA(英文：Code Division Multiple Access；简称：码分多址)、WCDMA(英文：Wideband Code Division Multiple Access；简称：宽带码分多址)、高速上行行链路分组接入技术(英文：High Speed Uplink Packet Access；简称：HSUPA)、LTE(英文：Long Term Evolution；简称：长期演进)、电子邮件、SMS(英文：Short Messaging Service；简称：短消息服务)等。
输出单元2403包括但不限于影像输出单元和声音输出单元。影像输出单元用于输出文字、图片和/或视频。所述影像输出单元可包括显示面板，例如采用LCD(英文：Liquid Crystal Display；简称：液晶显示器)、OLED(英文：Organic Light-Emitting Diode；简称：有机发光二极管)、场发射显示器(英文：field emission display；简称：FED)等形式来配置的显示面板。或者所述影像输出单元可以包括反射式显示器，例如电泳式(electrophoretic)显示器，或利用光干涉调变技术(Interferometric Modulation of Light)的显示器。所述影像输出单元可以包括单个显示器或不同尺寸的多个显示器。在本发明的具体实施方式中，上述输入单元2401所采用的触控面板亦可同时作为输出单元2403的显示面板。例如，当触控面板检测到在其上的触摸或接近的手势操作后，传送给处理单元以确定触摸事件的类型，随后处理单元根据触摸事件的类型在显示面板上提供相应的视觉输出。虽然在图23中，输入单元2401与输出单元2403是作为两个独立的部件来实现收款终端240的输入和输出功能，但是在某些实施例中，可以将触控面板与显示面板集成一体而实现收款终端240的输入和输出功能。例如，所述影像输出单元可以显示各种图形化用户接口(英文：Graphical User Interface；简称：GUI)以作为虚拟控制组件，包括但不限于窗口、卷动轴、图标及剪贴簿， 以供用户通过触控方式进行操作。
在本发明具体实施方式中，影像输出单元包括滤波器及放大器，用来将处理单元所输出的视频滤波及放大。音频输出单元包括数字模拟转换器，用来将处理单元所输出的音频信号从数字格式转换为模拟格式。
存储器2405可用于存储软件程序以及模块，处理单元通过运行存储在存储器2405的软件程序以及模块，从而执行收款终端240的各种功能应用以及实现数据处理。存储器2405主要包括程序存储区和数据存储区，其中，程序存储区可存储操作***、至少一个功能所需的应用程序，比如声音播放程序、图像播放程序等等；数据存储区可存储根据收款终端240的使用所创建的数据(比如音频数据、电话本等)等。在本发明具体实施方式中，存储器2405可以包括易失性存储器，例如非挥发性动态随机存取内存(英文：Nonvolatile Random Access Memory；简称：NVRAM)、相变化随机存取内存(英文：Phase Change RAM；简称：PRAM)、磁阻式随机存取内存(英文：Magetoresistive RAM；简称：MRAM)等，还可以包括非易失性存储器，例如至少一个磁盘存储器件、电子可擦除可编程只读存储器(英文：Electrically Erasable Programmable Read-Only Memory；简称：EEPROM)、闪存器件，例如反或闪存(NOR flash memory)或是反及闪存(NAND flash memory)。非易失存储器储存处理单元所执行的操作***及应用程序。所述处理单元从所述非易失存储器加载运行程序与数据到内存并将数字内容储存于大量储存装置中。所述操作***包括用于控制和管理常规***任务，例如内存管理、存储设备控制、电源管理等，以及有助于各种软硬件之间通信的各种组件和/或驱动器。在本发明实施方式中，所述操作***可以是Google公司的Android***、Apple公司开发的iOS***或Microsoft公司开发的Windows操作***等，或者是Vxworks这类的嵌入式操作***。
所述应用程序包括安装在收款终端240上的任何应用，包括但不限于浏览器、电子邮件、即时消息服务、文字处理、键盘虚拟、窗口小部件(Widget)、 加密、数字版权管理、语音识别、语音复制、定位(例如由全球定位***提供的功能)、音乐播放等等。
在一些实施方式中，存储器2405存储了程序，该程序可以被处理器2402执行。
一方面，这个程序可以包括：
向支付终端发送支付金额；
接收支付终端发送的第一默认支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的至少两个额度区间连续且不重叠，所述第一默认支付应用为所述支付终端在获得交易的所述支付金额后，确定所述支付金额所在的额度区间对应的默认非接触支付应用得到的；
通过所述应用标识对应的支付应用与所述支付终端完成交易。
可选的，所述支付终端中设置有第一会员卡应用，所述向所述支付终端发送所述支付金额，包括：
接收所述支付终端发送的第一会员卡信息；
根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用；
将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
可选的，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，
所述向所述支付终端发送所述支付金额，包括：
接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；
在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
可选的，所述向所述支付终端发送所述支付金额，包括：
通过下一代***环境NGSE消息向所述支付终端发送所述支付金额；
或者，通过近场通信NFC消息向所述支付终端发送所述支付金额。
另一方面，这个程序可以包括：
获得交易的支付金额；
接收支付终端发送的至少两个默认非接触支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠；
根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
通过所述应用标识对应的支付应用与所述支付终端完成交易。
可选的，所述根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，包括：
获得所述至少两个默认非接触支付应用对应的额度区间；
根据预设的非接触支付应用的应用标识与额度区间的对应关系，将所述支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
可选的，所述根据所述至少两个默认非接触支付应用的应用标识，获得第 一默认支付应用的应用标识，包括：
根据所述至少两个默认非接触支付应用的应用标识确定所述至少两个默认非接触支付应用对应的银行卡类型；
根据预设的银行卡类型与额度区间的对应关系，确定所述支付金额所在的额度区间对应的银行卡类型；
根据确定的银行卡类型，将所述确定的银行卡类型对应的应用标识作为所述第一默认支付应用的应用标识。
电源2407用于给收款终端240的不同部件进行供电以维持其运行。作为一般性理解，所述电源2407可以是内置的电池，例如常见的锂离子电池、镍氢电池等，也包括直接向收款终端240供电的外接电源，例如AC适配器等。在本发明的一些实施方式中，所述电源2407还可以作更为广泛的定义，例如还可以包括电源管理***、充电***、电源故障检测电路、电源转换器或逆变器、电源状态指示器(如发光二极管)，以及与收款终端240的电能生成、管理及分布相关联的其他任何组件。
综上所述，本发明实施例提供的非接触支付装置中，通过输入单元接收支付终端发送的第一默认支付应用的应用标识，处理器通过应用标识对应的支付应用与支付终端完成交易。可以根据交易金额选择相应额度区间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
本发明实施例提供了又一种非接触支付***，该非接触支付***可以包括：图22所示的支付终端230和/或图23所示的收款终端240。
综上所述，本发明实施例提供的非接触支付***中，通过支付终端根据交易的支付金额选择支付金额所在的额度区间，以及该额度区间对应的默认非接触支付应用，进行相应的支付行为。可以根据交易金额选择相应额度区 间的非接触应用，而用户无需重新设置默认非接触支付应用，因此，简化了支付步骤，提高了支付效率。
以上仅为本发明的较佳实施例，并不用以限制本发明，凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (30)

  1. 一种非接触支付方法，其特征在于，用于支付终端，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述方法包括：
    获得交易的支付金额；
    在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠的额度区间中，确定所述支付金额所在的额度区间；
    获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
    将所述第一默认支付应用的应用标识发送至收款终端，以便于所述收款终端通过所述应用标识对应的支付应用与所述支付终端完成交易。
  2. 根据权利要求1所述的方法，其特征在于，所述至少两个默认非接触支付应用是按照可支付额度或者优先级的顺序依次排布的，在所述获得交易的支付金额之前，所述方法还包括：
    从所述支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为所述至少两个默认非接触支付应用；
    获得至少一个分界额度值；
    根据所述至少一个分界额度值和所述至少两个默认非接触支付应用的排布顺序，得到所述至少两个默认非接触支付应用对应的额度区间。
  3. 根据权利要求2所述的方法，其特征在于，
    所述获得所述至少一个分界额度值，包括：
    获得预设的至少一个分界额度值作为所述至少一个分界额度值；
    或者，接收用户设置的至少一个分界额度值作为所述至少一个分界额度值；
    或者，获取所述至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为所述至少一个分界额度值。
  4. 根据权利要求1至3任意一项权利要求所述的方法，其特征在于，所述支付终端中设置有第一会员卡应用，
    所述获得交易的支付金额，包括：
    向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用，并将所述支付金额发送至所述第一会员卡应用；
    在所述第一会员卡应用中获得所述支付金额。
  5. 根据权利要求1至3任意一项权利要求所述的方法，其特征在于，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用；
    所述获得交易的支付金额，包括：
    向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计用户账单金额，在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；
    在所述第二会员卡应用中获得所述支付金额。
  6. 根据权利要求1至3任意一项权利要求所述的方法，其特征在于，所述获得交易的支付金额，包括：
    通过下一代***环境NGSE消息接收所述收款终端发送的所述支付金额；
    或者，通过近场通信NFC消息接收所述收款终端发送的所述支付金额。
  7. 根据权利要求1所述的方法，其特征在于，在所述将所述第一默认支付应用的应用标识发送至收款终端之前，所述方法还包括：
    将所述至少两个默认非接触支付应用的应用标识配置到近距离支付***环境PPSE中；
    或者，将所述第一默认支付应用的应用标识配置到所述PPSE中。
  8. 一种非接触支付方法，其特征在于，用于收款终端，所述方法包括：
    向支付终端发送支付金额；
    接收支付终端发送的第一默认支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的至少两个额度区间连续且不重叠，所述第一默认支付应用为所述支付终端在获得交易的所述支付金额后，确定所述支付金额所在的额度区间对应的默认非接触支付应用得到的；
    通过所述应用标识对应的支付应用与所述支付终端完成交易。
  9. 根据权利要求8所述的方法，其特征在于，所述支付终端中设置有第一会员卡应用，所述向所述支付终端发送所述支付金额，包括：
    接收所述支付终端发送的第一会员卡信息；
    根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用；
    将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
  10. 根据权利要求8所述的方法，其特征在于，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用，
    所述向所述支付终端发送所述支付金额，包括：
    接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；
    在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
    将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
  11. 根据权利要求8至10任意一项所述的方法，其特征在于，所述向所述支付终端发送所述支付金额，包括：
    通过下一代***环境NGSE消息向所述支付终端发送所述支付金额；
    或者，通过近场通信NFC消息向所述支付终端发送所述支付金额。
  12. 一种非接触支付方法，其特征在于，用于收款终端，所述方法包括：
    获得交易的支付金额；
    接收支付终端发送的至少两个默认非接触支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠；
    根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
    通过所述应用标识对应的支付应用与所述支付终端完成交易。
  13. 根据权利要求12所述的方法，其特征在于，所述根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，包括：
    获得所述至少两个默认非接触支付应用对应的额度区间；
    根据预设的非接触支付应用的应用标识与额度区间的对应关系，将所述支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
  14. 根据权利要求12所述的方法，其特征在于，所述根据所述至少两个默认非接触支付应用的应用标识，获得第一默认支付应用的应用标识，包括：
    根据所述至少两个默认非接触支付应用的应用标识确定所述至少两个默认非接触支付应用对应的银行卡类型；
    根据预设的银行卡类型与额度区间的对应关系，确定所述支付金额所在的额度区间对应的银行卡类型；
    根据确定的银行卡类型，将所述确定的银行卡类型对应的应用标识作为所述第一默认支付应用的应用标识。
  15. 一种非接触支付装置，其特征在于，用于支付终端，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述非接触支付装置包括：
    第一获得单元，用于获得交易的支付金额；
    确定单元，用于在所述至少两个默认非接触支付应用对应的至少两个连续且不重叠的额度区间中，确定所述支付金额所在的额度区间；
    第二获得单元，用于获得第一默认支付应用的应用标识，所述第一默认支 付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
    发送单元，用于将所述第一默认支付应用的应用标识发送至收款终端，以便于所述收款终端通过所述应用标识对应的支付应用与所述支付终端完成交易。
  16. 根据权利要求15所述的非接触支付装置，其特征在于，所述至少两个默认非接触支付应用是按照可支付额度或者优先级的顺序依次排布的，所述非接触支付装置还包括：
    选择单元，用于从所述支付终端中存在的非接触支付应用中，选择至少两个非接触支付应用作为所述至少两个默认非接触支付应用；
    第三获得单元，用于获得至少一个分界额度值；
    处理单元，用于根据所述至少一个分界额度值和所述至少两个默认非接触支付应用的排布顺序，得到所述至少两个默认非接触支付应用对应的额度区间。
  17. 根据权利要求16所述的非接触支付装置，其特征在于，
    所述第三获得单元具体用于：
    获得预设的至少一个分界额度值作为所述至少一个分界额度值；
    或者，接收用户设置的至少一个分界额度值作为所述至少一个分界额度值；
    或者，获取所述至少两个默认非接触支付应用中至少一个默认非接触支付应用的实际可支付额度作为所述至少一个分界额度值。
  18. 根据权利要求15至17任意一项权利要求所述的非接触支付装置，其特征在于，所述支付终端中设置有第一会员卡应用，
    所述第一获得单元包括：
    第一发送模块，用于向所述收款终端发送所述第一会员卡信息，以便于所述收款终端根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系 得到所述第一会员卡信息对应的第一会员卡应用，并将所述支付金额发送至所述第一会员卡应用；
    第一获得模块，用于在所述第一会员卡应用中获得所述支付金额。
  19. 根据权利要求15至17任意一项权利要求所述的非接触支付装置，其特征在于，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支付终端中设置有第二会员卡应用；
    所述第一获得单元包括：
    第二发送模块，用于向所述收款终端发送第二会员卡信息和所述第一分界额度值，以便于所述收款终端根据所述第二会员卡信息累计所述用户账单金额，在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用，将所述累计的金额作为所述支付金额发送至所述第二会员卡应用；
    第二获得模块，用于在所述第二会员卡应用中获得所述支付金额。
  20. 根据权利要求15至17任意一项权利要求所述的非接触支付装置，其特征在于，所述第一获得单元包括：
    第一接收模块，用于通过下一代***环境NGSE消息接收所述收款终端发送的所述支付金额；
    或者，通过近场通信NFC消息接收所述收款终端发送的所述支付金额。
  21. 根据权利要求15所述的非接触支付装置，其特征在于，所述非接触支付装置还包括：
    配置单元，用于将所述至少两个默认非接触支付应用的应用标识配置到近 距离支付***环境PPSE中；
    或者，将所述第一默认支付应用的应用标识配置到所述PPSE中。
  22. 一种非接触支付装置，其特征在于，用于收款终端，所述非接触支付装置包括：
    发送单元，用于向支付终端发送支付金额；
    接收单元，用于接收支付终端发送的第一默认支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的至少两个额度区间连续且不重叠，所述第一默认支付应用为所述支付终端在获得交易的所述支付金额后，确定所述支付金额所在的额度区间对应的默认非接触支付应用得到的；
    交易单元，用于通过所述应用标识对应的支付应用与所述支付终端完成交易。
  23. 根据权利要求22所述的非接触支付装置，其特征在于，所述发送单元包括：
    第一接收模块，用于接收所述支付终端发送的第一会员卡信息；
    第一查询模块，用于根据所述第一会员卡信息查询预设的会员卡应用与会员卡信息关系得到所述第一会员卡信息对应的第一会员卡应用；
    第一发送模块，用于将所述支付金额发送至所述支付终端的第一会员卡应用，以便于所述支付终端在所述第一会员卡应用中获得所述支付金额。
  24. 根据权利要求22所述的非接触支付装置，其特征在于，所述支付终端中存在两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述两个默认非接触支付应用对应的两个额度区间连续且不重叠，所述两个默认非接触支付应用对应的两个额度区间是由第一分界额度值划分得到，所述支 付终端中设置有第二会员卡应用，
    所述发送单元包括：
    第二接收模块，用于接收所述支付终端发送的第二会员卡信息和所述第一分界额度值；
    第二查询模块，用于在累计的金额大于所述第一分界额度值时，查询预设的会员卡应用与会员卡信息关系得到所述第二会员卡信息对应的第二会员卡应用；
    第二发送模块，用于将所述累计的金额作为所述支付金额发送至所述支付终端的第二会员卡应用，以便于所述支付终端在所述第二会员卡应用中获得所述支付金额。
  25. 根据权利要求22至24任意一项所述的非接触支付装置，其特征在于，所述发送单元包括：
    第三发送模块，用于通过下一代***环境NGSE消息向所述支付终端发送所述支付金额；
    或者，通过近场通信NFC消息向所述支付终端发送所述支付金额。
  26. 一种非接触支付装置，其特征在于，用于收款终端，所述非接触支付装置包括：
    第一获得单元，用于获得交易的支付金额；
    接收单元，用于接收支付终端发送的至少两个默认非接触支付应用的应用标识，所述支付终端中存在至少两个默认非接触支付应用，每个默认非接触支付应用对应一个额度区间，所述至少两个默认非接触支付应用对应的额度区间连续且不重叠；
    第二获得单元，用于根据所述至少两个默认非接触支付应用的应用标识， 获得第一默认支付应用的应用标识，所述第一默认支付应用为所述支付金额所在的额度区间对应的默认非接触支付应用；
    交易单元，用于通过所述应用标识对应的支付应用与所述支付终端完成交易。
  27. 根据权利要求26所述的非接触支付装置，其特征在于，所述第二获得单元包括：
    获得模块，用于获得所述至少两个默认非接触支付应用对应的额度区间；
    第一作为模块，用于根据预设的非接触支付应用的应用标识与额度区间的对应关系，将所述支付金额所在的额度区间对应的默认非接触支付应用的应用标识作为第一默认支付应用的应用标识。
  28. 根据权利要求26所述的非接触支付装置，其特征在于，所述第二获得单元包括：
    第一确定模块，用于根据所述至少两个默认非接触支付应用的应用标识确定所述至少两个默认非接触支付应用对应的银行卡类型；
    第二确定模块，用于根据预设的银行卡类型与额度区间的对应关系，确定所述支付金额所在的额度区间对应的银行卡类型；
    第二作为模块，用于根据确定的银行卡类型，将所述确定的银行卡类型对应的应用标识作为所述第一默认支付应用的应用标识。
  29. 一种非接触支付***，其特征在于，所述非接触支付***包括支付终端和收款终端，
    所述支付终端包括：权利要求15至21任意一项权利要求所述的非接触支付装置；
    所述收款终端包括：权利要求22至25任意一项权利要求所述的非接触支 付装置。
  30. 一种非接触支付***，其特征在于，所述非接触支付***包括支付终端和收款终端，
    所述收款终端包括：权利要求26至28任意一项权利要求所述的非接触支付装置。
PCT/CN2015/095472 2014-11-26 2015-11-24 一种非接触支付方法、装置及*** WO2016082751A1 (zh)

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