WO2018049851A1 - 一种支付方法、移动终端和nfc终端 - Google Patents

一种支付方法、移动终端和nfc终端 Download PDF

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Publication number
WO2018049851A1
WO2018049851A1 PCT/CN2017/087146 CN2017087146W WO2018049851A1 WO 2018049851 A1 WO2018049851 A1 WO 2018049851A1 CN 2017087146 W CN2017087146 W CN 2017087146W WO 2018049851 A1 WO2018049851 A1 WO 2018049851A1
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Prior art keywords
nfc
terminal
mobile terminal
payment
mobile
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PCT/CN2017/087146
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English (en)
French (fr)
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高世英
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中兴通讯股份有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Definitions

  • the present application relates to the field of communication technologies, for example, to a payment method, a mobile terminal, and an NFC terminal.
  • the embodiments of the present disclosure provide a payment method, a mobile terminal, and an NFC terminal, which solve the problem that the security of the mobile terminal is not high.
  • An embodiment of the present disclosure provides a payment method, including:
  • the mobile terminal is connected to the near field communication NFC terminal, and the NFC terminal includes an NFC chip;
  • the mobile terminal performs payment according to the NFC payment instruction.
  • the embodiment of the present disclosure further provides a mobile terminal, including:
  • connection module configured to connect the mobile terminal to a near field communication NFC terminal, where the NFC terminal includes an NFC chip;
  • a first receiving module configured to receive, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is that the NFC terminal receives NFC through the NFC chip The NFC payment instruction sent by the credit card machine;
  • a payment module configured to: the mobile terminal performs payment according to the NFC payment instruction.
  • the embodiment of the present disclosure further provides an NFC terminal, including:
  • connection module configured to connect the mobile terminal to the NFC terminal, where the NFC terminal includes an NFC chip
  • a first receiving module configured to receive, by the NFC terminal, an NFC payment instruction sent by an NFC card reader through the NFC chip;
  • the first sending module is configured to send, by the NFC terminal, the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.
  • Embodiments of the present disclosure also provide a computer storage medium having stored therein one or more programs executable by a computer, the one or more programs being executed by the computer to cause the computer to perform as described above A method for uploading an upgrade file.
  • An embodiment of the present disclosure further provides an electronic device, including:
  • At least one processor At least one processor
  • the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor to perform the method described above.
  • the mobile terminal is connected to a near field communication NFC terminal, and the NFC terminal includes an NFC chip; the mobile terminal receives an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is passed by the NFC terminal.
  • the NFC chip receives an NFC payment instruction sent by the NFC card reader; the mobile terminal performs payment according to the NFC payment instruction.
  • the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can not complete the payment, so that the security of the mobile terminal is improved.
  • FIG. 1 is a flowchart of a payment method according to an embodiment of the present disclosure
  • FIG. 3 is a structural diagram of a mobile terminal according to an embodiment of the present disclosure.
  • FIG. 4 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure.
  • FIG. 5 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure.
  • FIG. 6 is a structural diagram of another mobile terminal according to an embodiment of the present disclosure.
  • FIG. 7 is a structural diagram of an NFC terminal according to an embodiment of the present disclosure.
  • FIG. 8 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure.
  • FIG. 9 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure.
  • FIG. 10 is a structural diagram of another NFC terminal according to an embodiment of the present disclosure.
  • FIG. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.
  • an embodiment of the present disclosure provides a payment method, including the following steps:
  • Step S101 The mobile terminal is connected to a near field communication NFC terminal, where the NFC terminal includes an NFC chip.
  • Step S102 The mobile terminal receives an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader.
  • Step S103 The mobile terminal performs payment according to the NFC payment instruction.
  • the near field communication is an emerging technology, and devices using NFC technology (such as mobile phones) can exchange data in close proximity to each other, and are integrated by contactless radio frequency identification and interconnection technology. It has evolved to enable mobile payment, electronic ticketing, access control, mobile identification and anti-counterfeiting applications by integrating inductive readers, inductive cards and peer-to-peer communication on a single chip.
  • the NFC terminal may be a portable routing device, and may of course be a A mobile phone, as long as they contain an NFC chip are all possible.
  • the mobile terminal is connected to the NFC terminal of the near field communication, and may be a connection through Wireless Fidelity (WIFI), a connection through Bluetooth, or a connection by other means.
  • WIFI Wireless Fidelity
  • Bluetooth a connection through Bluetooth
  • the NFC card swiping machine may be a card swiping machine in a supermarket, and may be a card swiping machine in a shopping mall, or a card swiping machine of a toll booth is also possible.
  • the mobile terminal performs payment according to the NFC payment instruction, which may be that the mobile terminal installs the payment software of the bank and performs payment by the bank payment software; or the mobile terminal installs the third-party payment software, and then passes Payment by third party payment software.
  • the NFC payment instruction may be that the mobile terminal installs the payment software of the bank and performs payment by the bank payment software; or the mobile terminal installs the third-party payment software, and then passes Payment by third party payment software.
  • the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can complete the payment, so that the security of the mobile terminal is achieved. Got an improvement.
  • the method further includes:
  • the mobile terminal sends a connection request to the NFC terminal, the connection request includes a physical address of the mobile terminal and an international mobile device identity, and the NFC terminal is configured to be based on a physical address of the mobile terminal and an international mobile device Determining whether the mobile terminal is bound to the NFC terminal;
  • the physical address can be understood as a string of identifiers that the mobile terminal has when it leaves the factory, and the identifier is unique, that is, different mobile terminals have different identifiers.
  • the above international mobile device identification is also a unique identifier of the mobile terminal.
  • the international mobile device identification is composed of 15 digits, and the first 6 digits are “model approval number”, which generally represents the model. The next 2 digits are "most The post-assembly number” generally represents the place of origin. The last 6 digits are the "serial number”, which generally represents the production sequence number. The last digit is usually "0", which is the check code, and the spare.
  • the international mobile device identification is unique. Usually attached to the logo on the back of the phone, and read and write in the phone memory. It is also the "file” and "ID number” of the phone in the manufacturer.
  • the foregoing NFC terminal is configured to determine whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier.
  • the NFC terminal stores the physical address of the bound mobile terminal and the international mobile device identifier, which may be stored in a specific database or stored in a file.
  • the foregoing first response message indicates that the mobile terminal is bound or not bound to the NFC terminal.
  • the first response message can contain a string of 001 or 000.
  • the 001 string indicates that the mobile terminal is bound to the NFC terminal.
  • the 000 string indicates that the mobile terminal is not bound to the NFC terminal.
  • the character string may also be aaa or bbb or any self-defined string, which is not limited in this embodiment.
  • the mobile terminal is bound to the NFC terminal, and the connection is established after the binding, and the connection is not established without binding, so that the security of the mobile terminal is improved.
  • the method further includes:
  • the second response message indicates that the NFC terminal is not used by another mobile terminal, performing the step of the mobile terminal receiving the first response message sent by the NFC terminal in response to the connection request;
  • the second response message may use different character strings to represent different information.
  • the use of the string 0001 indicates that the NFC terminal is used by other mobile terminals
  • the use of the string 0000 indicates that the NFC terminal is not used by other mobile terminals.
  • some other custom strings are also available here.
  • the NFC terminal is occupied by accepting a message sent by the NFC terminal, thereby performing connection when the NFC terminal is not used, thereby performing normal work.
  • the method further includes:
  • the mobile terminal encrypts an NFC payment response command
  • the mobile terminal sends an encrypted NFC payment response command to the NFC terminal.
  • the encryption may be performed by using a WIFI network key, or may be secondary encryption by negotiation, or encryption by other encryption algorithms may be used here, and the encryption algorithm is The disclosed embodiments are not limited.
  • the NFC payment response instruction is encrypted, which improves the security of the mobile terminal.
  • the mobile terminal is connected to a near field communication NFC terminal, and the NFC terminal includes an NFC chip; the mobile terminal receives an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is passed by the NFC terminal.
  • the NFC chip receives an NFC payment instruction sent by the NFC card reader; the mobile terminal performs payment according to the NFC payment instruction.
  • the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can not complete the payment, so that the security of the mobile terminal is improved.
  • the embodiment of the present disclosure further provides another payment method, including the following steps:
  • Step S201 The NFC terminal is connected to the mobile terminal, and the NFC terminal includes an NFC chip.
  • Step S202 The NFC terminal receives an NFC payment instruction sent by the NFC card reader through the NFC chip.
  • Step S203 The NFC terminal sends the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.
  • the method further includes:
  • connection request sent by the mobile terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier
  • the NFC terminal sends a first response message to the mobile terminal in response to the connection request.
  • the NFC terminal determines whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier, and sends a first response message to the mobile terminal, where the response message may include binding information or unbinding. Information, so that the bound mobile terminal can get the correct feedback and connect, which enhances the security of the mobile terminal.
  • the method further includes:
  • the NFC terminal sends a second response message to the mobile terminal in response to the connection request.
  • the second response message may include a message occupied by the NFC terminal or a message that is not occupied, and the message may be in the form of a customized string, and different strings represent different meanings.
  • the NFC terminal sends a response message to the mobile terminal to let the mobile terminal know whether the NFC terminal is occupied, so that the mobile terminal can connect when the NFC terminal is not occupied, so that the normal operation can be performed.
  • the method further includes:
  • the NFC terminal sends the NFC payment response command to the NFC card swiping machine.
  • the encryption may be performed by using a WIFI network key, or may be secondary encryption by negotiation, or encryption by other encryption algorithms may be used here, and the encryption algorithm is The disclosed embodiments are not limited.
  • the NFC terminal receives the encrypted NFC payment response command sent by the mobile terminal, and sends an NFC payment response command to the NFC card reader, which improves the security of the mobile terminal when the transaction is performed.
  • the NFC terminal is connected to the mobile terminal, and the NFC terminal includes an NFC chip; the NFC terminal receives an NFC payment instruction sent by the NFC card reader through the NFC chip; the NFC terminal sends the NFC terminal to the mobile terminal The NFC pays instructions to cause the mobile terminal to make a payment according to the NFC payment instruction.
  • the NFC terminal includes an NFC chip, and the mobile terminal and the NFC chip are separated, and the two must cooperate to complete the payment. Only the mobile terminal or only the NFC terminal can not complete the payment, so that the security of the mobile terminal is improved.
  • an embodiment of the present disclosure provides a structure of a mobile terminal, including the following modules:
  • connection module 301 is configured to connect the mobile terminal to the near field communication NFC terminal, where the NFC terminal includes an NFC chip;
  • the first receiving module 302 is configured to receive, by the mobile terminal, an NFC payment instruction sent by the NFC terminal, where the NFC payment instruction is an NFC payment instruction sent by the NFC terminal by using the NFC chip to receive an NFC card reader. ;
  • the payment module 303 is configured to perform, by the mobile terminal, payment according to the NFC payment instruction.
  • the mobile terminal further includes:
  • the first sending module 304 is configured to send, by the mobile terminal, a connection request to the NFC terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier, and the NFC terminal is configured to be configured according to the Determining, by the physical address of the mobile terminal, an international mobile device identifier, whether the mobile terminal is bound to the NFC terminal;
  • the second receiving module 305 is configured to receive, by the mobile terminal, a first response message that is sent by the NFC terminal in response to the connection request;
  • the connection module 301 is configured to: if the first response message indicates that the mobile terminal is bound to the NFC terminal, perform the mobile terminal to connect to the NFC terminal;
  • the connection module 301 is configured to not establish a connection if the first response message indicates that the mobile terminal is not bound to the NFC terminal.
  • the mobile terminal further includes:
  • the third receiving module 306 is configured to receive, by the mobile terminal, a second response message that is sent by the NFC terminal in response to the connection request;
  • the second receiving module 305 is configured to: if the second response message indicates that the NFC terminal is not used by another mobile terminal, perform the first response message that the mobile terminal receives the NFC terminal in response to the connection request ;
  • the second receiving module 305 is configured to not establish a connection if the second response message indicates that the NFC terminal is used by another mobile terminal.
  • the mobile terminal further includes:
  • the encryption module 307 is configured to encrypt, by the mobile terminal, an NFC payment response instruction
  • the second sending module 308 is configured to send, by the mobile terminal, an encrypted NFC payment response instruction to the NFC terminal.
  • the mobile terminal may be the mobile terminal in the embodiment shown in FIG. 1 to FIG. 2, and any implementation manner of the mobile terminal in the embodiment shown in FIG. 1 to FIG. 2 may be used in this embodiment. It is implemented by the mobile terminal and will not be described here. The security of the above mobile terminal is improved.
  • the embodiment of the present disclosure provides a structure of an NFC terminal, including the following modules:
  • connection module 401 is configured to connect the mobile terminal to the NFC terminal, where the NFC terminal includes an NFC chip;
  • the first receiving module 402 is configured to receive, by the NFC terminal, an NFC payment instruction sent by the NFC card reader through the NFC chip;
  • the first sending module 403 is configured to send, by the NFC terminal, the NFC payment instruction to the mobile terminal, so that the mobile terminal performs payment according to the NFC payment instruction.
  • the NFC terminal further includes:
  • the second receiving module 404 is configured to receive, by the NFC terminal, a connection request sent by the mobile terminal, where the connection request includes a physical address of the mobile terminal and an international mobile device identifier;
  • the determining module 405 is configured to determine, by the NFC terminal, whether the mobile terminal is bound to the NFC terminal according to the physical address of the mobile terminal and the international mobile device identifier;
  • the second sending module 406 is configured to send, by the NFC terminal, a first response message to the mobile terminal in response to the connection request.
  • the NFC terminal further includes:
  • the third sending module 407 is configured to send, by the NFC terminal, a second response message to the mobile terminal in response to the connection request.
  • the NFC terminal further includes:
  • the third receiving module 408 is configured to receive, by the NFC terminal, an encrypted NFC payment response command sent by the mobile terminal;
  • the fourth sending module 409 is configured to send the NFC payment response command to the NFC card reader by the NFC terminal.
  • the foregoing NFC terminal may be the NFC terminal in the embodiment shown in FIG. 1 to FIG. 2, and any implementation manner of the NFC terminal in the embodiment shown in FIG. 1 to FIG. 2 may be used in this embodiment.
  • the implementation of the NFC terminal is not repeated here.
  • the above NFC terminal can improve security.
  • the mobile terminal is connected to the near field communication NFC terminal, and the NFC terminal includes an NFC chip;
  • the mobile terminal performs payment according to the NFC payment instruction.
  • the method further includes:
  • the mobile terminal sends a connection request to the NFC terminal, the connection request includes a physical address of the mobile terminal and an international mobile device identity, and the NFC terminal is configured to be based on a physical address of the mobile terminal and an international mobile device Determining whether the mobile terminal is bound to the NFC terminal;
  • the method further includes:
  • the second response message indicates that the NFC terminal is not used by another mobile terminal, performing the step of the mobile terminal receiving the first response message sent by the NFC terminal in response to the connection request;
  • the method further includes:
  • the mobile terminal encrypts an NFC payment response command
  • the mobile terminal sends an encrypted NFC payment response command to the NFC terminal.
  • the storage medium is, for example, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.
  • the embodiment of the present disclosure further provides a schematic structural diagram of an electronic device.
  • the electronic device includes:
  • At least one processor 110 which is exemplified by a processor 110 in FIG. 11; and a memory 111, may further include a communication interface 112 and a bus 113.
  • the processor 110, the communication interface 112, and the memory 111 can complete communication with each other through the bus 113.
  • Communication interface 112 can be used for information transfer.
  • the processor 110 can invoke logic instructions in the memory 111 to perform the methods of the above-described embodiments.
  • logic instructions in the memory 111 described above may be implemented in the form of a software functional unit and sold or used as a stand-alone product, and may be stored in a computer readable storage medium.
  • the memory 111 is a computer readable storage medium and can be used to store software programs, computer executable programs, and program instructions/modules corresponding to the methods in the embodiments of the present disclosure.
  • the processor 110 executes the function application and the data processing by executing software programs, instructions, and modules stored in the memory 111, that is, implementing the payment method in the above method embodiments.
  • the memory 111 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function; the storage data area may store data created according to use of the terminal device, and the like. Further, the memory 111 may include a high speed random access memory, and may also include a nonvolatile memory.
  • the technical solution of the embodiments of the present disclosure may be embodied in the form of a software product stored in a storage medium, including one or more instructions for causing a computer device (which may be a personal computer, a server, or a network) The device or the like) performs all or part of the steps of the method described in the embodiments of the present disclosure.
  • the foregoing storage medium may be a non-transitory storage medium, including: a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and the like.
  • the payment method, the mobile terminal and the NFC terminal provided by the application can improve the security of the mobile terminal.

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Abstract

一种支付方法、移动终端和NFC终端，该方法可包括：移动终端连接近场通信NFC终端（S101），所述NFC终端包含NFC芯片；所述移动终端接收所述NFC终端发送的NFC支付指令（S102），其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；所述移动终端根据所述NFC支付指令进行支付（S103）。所述方法可以提高移动终端的安全性。

Description

一种支付方法、移动终端和NFC终端 技术领域
本申请涉及通信技术领域，例如涉及一种支付方法、移动终端和NFC终端。
背景技术
随着科技的不断发展，支付方式也变得越来越多元化，相关的支付方式有现金支付、刷卡支付、扫码支付和近距离无线通信技术(NFC，Near Field Communication)支付等等。刷卡支付、扫码支付和NFC支付以它们的便捷性已经成为现在非常主流的支付方式，并且在年轻人当中非常受欢迎。但是相关的NFC芯片和支付软件都是装在同一个移动终端上，该移动终端可以单独完成NFC支付。一旦移动终端丢失，别人有可能使用该移动终端进行NFC支付，这样导致移动终端的安全性不高。
发明内容
本公开实施例提供一种支付方法、移动终端和NFC终端，解决了移动终端安全性不高的问题。
本公开实施例提供一种支付方法，包括：
移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
所述移动终端根据所述NFC支付指令进行支付。
本公开实施例还提供一种移动终端，包括：
连接模块，被配置为移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
第一接收模块，被配置为所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC 刷卡机发送的NFC支付指令；
支付模块，被配置为所述移动终端根据所述NFC支付指令进行支付。
本公开实施例还提供一种NFC终端，包括：
连接模块，被配置为NFC终端连接移动终端，所述NFC终端包含NFC芯片；
第一接收模块，被配置为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
第一发送模块，被配置为所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。
本公开实施例还提供一种计算机存储介质，所述计算机存储介质中存储有计算机可执行的一个或多个程序，所述一个或多个程序被所述计算机执行时使所述计算机执行如上述提供的一种升级文件的上传方法。
本公开实施例还提供了一种电子设备，包括：
至少一个处理器；以及
与所述至少一个处理器通信连接的存储器；其中，
所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器执行上述的方法。
上述技术方案中的一个技术方案具有如下优点或有益效果：
本公开实施例，移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；所述移动终端根据所述NFC支付指令进行支付。这样NFC终端包含NFC芯片，移动终端和NFC芯片分隔开来，两者必须配合才能完成支付，仅有移动终端或者仅有NFC终端都不能完成支付，这样使移动终端的安全性得到了提高。
附图概述
图1为本公开实施例提供的一种支付方法的流程图；
图2为本公开实施例提供的另一种支付方法的流程图；
图3为本公开实施例提供的一种移动终端的结构图；
图4为本公开实施例提供的另一种移动终端的结构图；
图5为本公开实施例提供的另一种移动终端的结构图；
图6为本公开实施例提供的另一种移动终端的结构图；
图7为本公开实施例提供的一种NFC终端的结构图；
图8为本公开实施例提供的另一种NFC终端的结构图；
图9为本公开实施例提供的另一种NFC终端的结构图；
图10为本公开实施例提供的另一种NFC终端的结构图；以及
图11为本公开实施例提供的电子设备的结构示意图。
具体实施方式
为使本公开要解决的技术问题、技术方案和优点更加清楚，下面将结合附图及实施例进行详细描述。
如图1所示，本公开实施例提供一种支付方法，包括以下步骤：
步骤S101、移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片。
步骤S102、所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令。
步骤S103、所述移动终端根据所述NFC支付指令进行支付。
本实施例中，上述近场通信是一种新兴的技术，使用了NFC技术的设备(比如手机)可以在彼此靠近的情况下进行数据交换，是由非接触式射频识别及互连互通技术整合演变而来，通过在单一芯片上集成感应式读卡器、感应式卡片和点对点通信的功能，利用移动终端实现移动支付、电子票务、门禁、移动身份识别和防伪等应用。
本实施例中，上述NFC终端可以是一个便携的路由设备，当然也可以是一 个手机，只要它们包含了NFC芯片都是可以的。上述移动终端与近场通信NFC终端进行连接，可以是通过无线保真(WIFI，Wireless Fidelity)进行的连接，也可以是通过蓝牙进行的连接，当然也可以是通过其他方式进行的连接，对此本公开实施例不作限定。
本实施例中，上述NFC刷卡机可以是超市里面的刷卡机，可以是商场里面的刷卡机，又或者某个收费站的刷卡机也是可以的。
本实施例中，上述移动终端根据所述NFC支付指令进行支付，可以是移动终端安装了银行的支付软件，通过银行支付软件进行的支付；也可以是移动终端安装了第三方支付软件，然后通过第三方支付软件进行的支付。
本公开实施例，NFC终端包含NFC芯片，移动终端和NFC芯片分隔开来，两者必须配合才能完成支付，仅有移动终端或者仅有NFC终端都不能完成支付，这样使移动终端的安全性得到了提高。
可选的，在所述移动终端连接NFC终端之前，所述方法还包括：
所述移动终端向所述NFC终端发送连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识，所述NFC终端被配置为根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息；
若所述第一响应消息表示所述移动终端与所述NFC终端绑定，则执行所述移动终端连接NFC终端的步骤；
若所述第一响应消息表示所述移动终端与所述NFC终端没有绑定，则不建立连接。
本实施例中，上述物理地址可以理解为移动终端出厂时就有的一串标识符，并且该标识符是唯一的，也就是说不同的移动终端有不同的标识符。上述国际移动设备标识也是移动终端唯一的标识符，一般来说国际移动设备标识由15位数字组成，前6位数是“型号核准号码”，一般代表机型。接着的2位数是“最 后装配号”，一般代表产地。之后的6位数是“串号”，一般代表生产顺序号。最后1位数通常是“0”，为检验码，备用。国际移动设备标识具有唯一性，一般贴在手机背面的标志上，并且读写于手机内存中。它也是该手机在厂家的“档案”和“身份证号”。
本实施例中，上述NFC终端被配置为根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定可以这样理解。NFC终端中存储了绑定的移动终端的物理地址和国际移动设备标识，可以是存储在某个特定的数据库里面，也可以是存储在某个文件里面。
本实施例中，上述第一响应消息表示所述移动终端与所述NFC终端绑定或者没有绑定可以这样理解。例如：第一响应消息里面可以包含001或000的字符串。当包含了001字符串的时候，就表示移动终端与NFC终端绑定，当包含了000字符串的时候，就表示移动终端与NFC终端没有绑定。当然，该字符串也可以是aaa或者bbb或者任意自定为的字符串，对此本公开实施例不作限定。
本公开实施例，判断移动终端是否与NFC终端绑定，绑定之后才建立连接，没有绑定就不建立连接，这样移动终端的安全性得到了提高。
可选的，在所述移动终端向所述NFC终端发送连接请求之后，所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息之前，所述方法还包括：
所述移动终端接收所述NFC终端响应所述连接请求发送的第二响应消息；
若所述第二响应消息表示所述NFC终端没有被其他移动终端使用，则执行所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息的步骤；
若所述第二响应消息表示所述NFC终端被其他移动终端使用，则不建立连接。
本实施例中，上述第二响应消息可以用不同的字符串来表示不同的信息。 例如使用字符串0001表示NFC终端被其他移动终端使用，使用字符串0000表示NFC终端没有被其他移动终端使用。当然，一些自定义的其他的字符串在这里也是可以的。
本公开实施例，通过接受NFC终端发送的消息来识别NFC终端是否被占用，从而在NFC终端不被使用的时候进行连接，从而进行正常的工作。
可选的，在所述移动终端根据所述NFC支付指令进行支付之后，所述方法还包括：
所述移动终端对NFC支付响应指令进行加密；
所述移动终端向所述NFC终端发送加密的NFC支付响应指令。
本实施例中，上述加密，可以用WIFI网络密钥进行的加密，也可以是通过协商进行的二次加密，又或者是通过其他加密算法进行的加密在这里都是可以的，对加密算法本公开实施例不作限定。
本公开实施例，对NFC支付响应指令进行加密，提高了移动终端的安全性。
本公开实施例，移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；所述移动终端根据所述NFC支付指令进行支付。这样NFC终端包含NFC芯片，移动终端和NFC芯片分隔开来，两者必须配合才能完成支付，仅有移动终端或者仅有NFC终端都不能完成支付，这样使移动终端的安全性得到了提高。
如图2所示，本公开实施例还提供另一种支付方法，包括以下步骤：
步骤S201、NFC终端连接移动终端，所述NFC终端包含NFC芯片。
步骤S202、所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令。
步骤S203、所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。
本实施例中，上述NFC终端、NFC刷卡机和根据所述NFC支付指令进行支付在步骤S101至步骤S103中已经作了解释，在此不再赘述。
可选的，在所述NFC终端连接移动终端之前，所述方法还包括：
所述NFC终端接收所述移动终端发送的连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识；
所述NFC终端根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
所述NFC终端响应所述连接请求向所述移动终端发送第一响应消息。
本实施例中，上述移动终端的物理地址和国际移动设备标识已经作了解释，在此不再赘述。
本公开实施例，NFC终端根据移动终端的物理地址和国际移动设备标识判断移动终端是否与NFC终端绑定，并向移动终端发送第一响应消息，该响应消息可以包含绑定信息或者非绑定信息，这样就能使绑定的移动终端得到正确的反馈，并进行连接，增强了移动终端的安全性。
可选的，在所述NFC终端接收所述移动终端发送的连接请求之后，所述响应所述连接请求向所述移动终端发送第一响应消息之前，所述方法还包括：
所述NFC终端响应所述连接请求向所述移动终端发送第二响应消息。
本实施例中，上述第二响应消息可以包含NFC终端被占用的消息或者不被占用的消息，其消息的形式可以是自定义的字符串，不同的字符串表示不同的含义。
本公开实施例，NFC终端向移动终端发送一个响应消息来让移动终端得知NFC终端是否被占用，这样就可以使移动终端在NFC终端不被占用的时候进行连接，从而能正常的工作。
可选的，所述方法还包括：
所述NFC终端接收所述移动终端发送的加密的NFC支付响应指令；
所述NFC终端向所述NFC刷卡机发送所述NFC支付响应指令。
本实施例中，上述加密，可以用WIFI网络密钥进行的加密，也可以是通过协商进行的二次加密，又或者是通过其他加密算法进行的加密在这里都是可以的，对加密算法本公开实施例不作限定。
本公开实施例，NFC终端接收移动终端发送的加密的NFC支付响应指令，并向NFC刷卡机发送NFC支付响应指令，这样提高了移动终端交易时的安全性。
本公开实施例，NFC终端连接移动终端，所述NFC终端包含NFC芯片；所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。这样NFC终端包含NFC芯片，移动终端和NFC芯片分隔开来，两者必须配合才能完成支付，仅有移动终端或者仅有NFC终端都不能完成支付，这样使移动终端的安全性得到了提高。
如图3所示，本公开实施例提供一种移动终端的结构，包括以下模块：
连接模块301，被配置为移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
第一接收模块302，被配置为所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
支付模块303，被配置为所述移动终端根据所述NFC支付指令进行支付。
可选的，如图4所示，所述移动终端还包括：
第一发送模块304，被配置为所述移动终端向所述NFC终端发送连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识，所述NFC终端被配置为根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
第二接收模块305，被配置为所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息；
所述连接模块301被配置为若所述第一响应消息表示所述移动终端与所述NFC终端绑定，执行所述移动终端连接NFC终端；
所述连接模块301被配置为若所述第一响应消息表示所述移动终端与所述NFC终端没有绑定，则不建立连接。
可选的，如图5所示，所述移动终端还包括：
第三接收模块306，被配置为所述移动终端接收所述NFC终端响应所述连接请求发送的第二响应消息；
所述第二接收模块305被配置为若所述第二响应消息表示所述NFC终端没有被其他移动终端使用，执行所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息；
所述第二接收模块305被配置为若所述第二响应消息表示所述NFC终端被其他移动终端使用，不建立连接。
可选的，如图6所示，所述移动终端还包括：
加密模块307，被配置为所述移动终端对NFC支付响应指令进行加密；
第二发送模块308，被配置为所述移动终端向所述NFC终端发送加密的NFC支付响应指令。
本实施例中，上述移动终端可以是图1-图2所示的实施例中的移动终端，且图1-图2所示的实施例中移动终端的任何实施方式都可以被本实施例中的移动终端所实现，这里不再赘述。上述移动终端的安全性得以提高。
如图7所示，本公开实施例提供一种NFC终端的结构，包括以下模块：
连接模块401，被配置为NFC终端连接移动终端，所述NFC终端包含NFC芯片；
第一接收模块402，被配置为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
第一发送模块403，被配置为所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。
可选的，如图8所示，所述NFC终端还包括：
第二接收模块404，被配置为所述NFC终端接收所述移动终端发送的连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识；
判断模块405，被配置为所述NFC终端根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
第二发送模块406，被配置为所述NFC终端响应所述连接请求向所述移动终端发送第一响应消息。
可选的，如图9所示，所述NFC终端还包括：
第三发送模块407，被配置为所述NFC终端响应所述连接请求向所述移动终端发送第二响应消息。
可选的，如图10所示，所述NFC终端还包括：
第三接收模块408，被配置为所述NFC终端接收所述移动终端发送的加密的NFC支付响应指令；
第四发送模块409，被配置为所述NFC终端向所述NFC刷卡机发送所述NFC支付响应指令。
本实施例中，上述NFC终端可以是图1-图2所示的实施例中的NFC终端，且图1-图2所示的实施例中NFC终端的任何实施方式都可以被本实施例中的NFC终端所实现，这里不再赘述。上述NFC终端可以提高安全性。
本领域普通技术人员可以理解实现上述实施例方法的全部或者部分步骤是可以通过程序指令相关的硬件来完成，所述的程序可以存储于一计算机可读取介质中，该程序在执行时，包括以下步骤：
移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
所述移动终端根据所述NFC支付指令进行支付。
可选的，在所述移动终端连接NFC终端之前，所述方法还包括：
所述移动终端向所述NFC终端发送连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识，所述NFC终端被配置为根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息；
若所述第一响应消息表示所述移动终端与所述NFC终端绑定，则执行所述 移动终端连接NFC终端的步骤；
若所述第一响应消息表示所述移动终端与所述NFC终端没有绑定，则不建立连接。
可选的，在所述移动终端向所述NFC终端发送连接请求之后，所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息之前，所述方法还包括：
所述移动终端接收所述NFC终端响应所述连接请求发送的第二响应消息；
若所述第二响应消息表示所述NFC终端没有被其他移动终端使用，则执行所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息的步骤；
若所述第二响应消息表示所述NFC终端被其他移动终端使用，则不建立连接。
可选的，在所述移动终端根据所述NFC支付指令进行支付之后，所述方法还包括：
所述移动终端对NFC支付响应指令进行加密；
所述移动终端向所述NFC终端发送加密的NFC支付响应指令。
所述的存储介质，如只读存储器(Read-Only Memory，简称ROM)、随机存取存储器(Random Access Memory，简称RAM)、磁碟或者光盘等。
本公开实施例还提供了一种电子设备的结构示意图。参见图11，该电子设备包括：
至少一个处理器(processor)110，图11中以一个处理器110为例；和存储器(memory)111，还可以包括通信接口(Communications Interface)112和总线113。其中，处理器110、通信接口112、存储器111可以通过总线113完成相互间的通信。通信接口112可以用于信息传输。处理器110可以调用存储器111中的逻辑指令，以执行上述实施例的方法。
此外，上述的存储器111中的逻辑指令可以通过软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。
存储器111作为一种计算机可读存储介质，可用于存储软件程序、计算机可执行程序，如本公开实施例中的方法对应的程序指令/模块。处理器110通过运行存储在存储器111中的软件程序、指令以及模块，从而执行功能应用以及数据处理，即实现上述方法实施例中的支付方法。
存储器111可包括存储程序区和存储数据区，其中，存储程序区可存储操作***、至少一个功能所需的应用程序；存储数据区可存储根据终端设备的使用所创建的数据等。此外，存储器111可以包括高速随机存取存储器，还可以包括非易失性存储器。
本公开实施例的技术方案可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括一个或多个指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本公开实施例所述方法的全部或部分步骤。而前述的存储介质可以是非暂态存储介质，包括：U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等多种可以存储程序代码的介质，也可以是暂态存储介质。
以上所述是本公开的实施方式，应当指出，对于本技术领域的普通技术人员来说，在不脱离本公开实施例的范围的前提下，还可以作出若干改进和润饰，这些改进和润饰也应视为本公开的保护范围。
工业实用性
本申请提供的支付方法、移动终端和NFC终端，可以提高移动终端的安全性。

Claims (12)

  1. 一种支付方法，包括：
    移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
    所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
    所述移动终端根据所述NFC支付指令进行支付。
  2. 根据权利要求1所述的方法，其中，在所述移动终端连接NFC终端之前，所述方法还包括：
    所述移动终端向所述NFC终端发送连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识，所述NFC终端被配置为根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
    所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息；
    若所述第一响应消息表示所述移动终端与所述NFC终端绑定，则执行所述移动终端连接NFC终端的步骤；
    若所述第一响应消息表示所述移动终端与所述NFC终端没有绑定，则不建立连接。
  3. 根据权利要求2所述的方法，其中，在所述移动终端向所述NFC终端发送连接请求之后，所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息之前，所述方法还包括：
    所述移动终端接收所述NFC终端响应所述连接请求发送的第二响应消息；
    若所述第二响应消息表示所述NFC终端没有被其他移动终端使用，则执行所述移动终端接收所述NFC终端响应所述连接请求发送的第一响应消息的步骤；
    若所述第二响应消息表示所述NFC终端被其他移动终端使用，则不建立连接。
  4. 根据权利要求1-3中任一项所述的方法，其中，在所述移动终端根据所述NFC支付指令进行支付之后，所述方法还包括：
    所述移动终端对NFC支付响应指令进行加密；
    所述移动终端向所述NFC终端发送加密的NFC支付响应指令。
  5. 一种支付方法，包括：
    NFC终端连接移动终端，所述NFC终端包含NFC芯片；
    所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
    所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。
  6. 根据权利要求5所述的方法，其中，在所述NFC终端连接移动终端之前，所述方法还包括：
    所述NFC终端接收所述移动终端发送的连接请求，所述连接请求包括所述移动终端的物理地址和国际移动设备标识；
    所述NFC终端根据所述移动终端的物理地址和国际移动设备标识判断所述移动终端是否与所述NFC终端绑定；
    所述NFC终端响应所述连接请求向所述移动终端发送第一响应消息。
  7. 根据权利要求6所述的方法，其中，在所述NFC终端接收所述移动终端发送的连接请求之后，所述响应所述连接请求向所述移动终端发送第一响应消息之前，所述方法还包括：
    所述NFC终端响应所述连接请求向所述移动终端发送第二响应消息。
  8. 根据权利要求5-7中任一项所述的方法，还包括：
    所述NFC终端接收所述移动终端发送的加密的NFC支付响应指令；
    所述NFC终端向所述NFC刷卡机发送所述NFC支付响应指令。
  9. 一种移动终端，包括：
    连接模块，被配置为移动终端连接近场通信NFC终端，所述NFC终端包含NFC芯片；
    第一接收模块，被配置为所述移动终端接收所述NFC终端发送的NFC支付指令，其中，所述NFC支付指令为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
    支付模块，被配置为所述移动终端根据所述NFC支付指令进行支付。
  10. 一种NFC终端，包括：
    连接模块，被配置为NFC终端连接移动终端，所述NFC终端包含NFC芯片；
    第一接收模块，被配置为所述NFC终端通过所述NFC芯片接收NFC刷卡机发送的NFC支付指令；
    第一发送模块，被配置为所述NFC终端向所述移动终端发送所述NFC支付指令，以使所述移动终端根据所述NFC支付指令进行支付。
  11. 一种非暂态计算机可读存储介质，存储有计算机可执行指令，所述计算机可执行指令设置为执行权利要求1-4中任一项的方法。
  12. 一种非暂态计算机可读存储介质，存储有计算机可执行指令，所述计算机可执行指令设置为执行权利要求5-8中任一项的方法。
PCT/CN2017/087146 2016-09-19 2017-06-05 一种支付方法、移动终端和nfc终端 WO2018049851A1 (zh)

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