WO2018149048A1 - 一种支付处理方法及装置 - Google Patents

一种支付处理方法及装置 Download PDF

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Publication number
WO2018149048A1
WO2018149048A1 PCT/CN2017/086215 CN2017086215W WO2018149048A1 WO 2018149048 A1 WO2018149048 A1 WO 2018149048A1 CN 2017086215 W CN2017086215 W CN 2017086215W WO 2018149048 A1 WO2018149048 A1 WO 2018149048A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
card application
payment card
mobile terminal
Prior art date
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PCT/CN2017/086215
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English (en)
French (fr)
Inventor
梅敬青
Original Assignee
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.)
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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 CN201780084965.5A priority Critical patent/CN110235380B/zh
Priority to US16/320,360 priority patent/US20190236586A1/en
Publication of WO2018149048A1 publication Critical patent/WO2018149048A1/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
    • G06Q20/32—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
    • G06Q20/30—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
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a payment processing method and apparatus.
  • POS Point of Sale
  • the bank card is inserted or Payment can be made close to the POS.
  • the specific payment process is that the POS machine interacts with the application in the bank card, the POS machine obtains the transaction information of the bank card, and the online bank server realizes the payment.
  • the mobile terminal can be used as a bank card.
  • the specific payment process may be that the application of the mobile terminal interacts with the POS machine, the POS machine obtains the transaction information of the bank card added to the application of the mobile terminal, and the online banking server implements the payment.
  • the applications of mobile terminals that are commonly used for payment are Apple Pay, Huawei Pay, and the like.
  • the POS opportunity usually prints a bank purchase order as a payment voucher for the transaction.
  • the paper bank purchase order is more cumbersome to store; at the same time, because it will not be used in most cases, the paper bank purchase order will also bring waste of resources.
  • the embodiment of the invention provides a payment processing method and device, which can avoid resource waste and facilitate the user to manage and use the payment voucher information.
  • an embodiment of the present invention provides a method for payment processing, where the method for payment processing specifically includes: the payment terminal acquires transaction information of a payment card application, and the transaction information may be based on EMVCo or the People's Bank of China (People's Bank of China, PBOC), etc.
  • the information on the payment card application obtained by the transaction process of the financial integrated circuit (IC) card transaction standard.
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is a mobile terminal device, that is, determines that the user pays through the payment card application of the mobile terminal device.
  • the payment terminal transmits the payment credential information of the payment card application to the mobile terminal device by using a first communication technology, wherein the first communication technology may include short-distance communication technology, such as near field communication (Near Field Communication, NFC) technology, Bluetooth communication technology, wireless high-definition direct connection (Wi-Fi Direct) technology and so on.
  • NFC Near Field Communication
  • Bluetooth communication technology wireless high-definition direct connection
  • the payment terminal transmits the payment voucher information of the payment card application to the mobile terminal device based on the NFC technology.
  • the payment terminal and the mobile terminal use the NFC connection established when transmitting the transaction information, and the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device by the payment terminal as the NFC card reader; or the payment terminal and the mobile terminal
  • the device interrupts the current connection, re-establishes the NFC P2P connection and sends the payment credential information of the payment card application to the mobile terminal device; or the payment terminal interrupts the current connection with the mobile terminal device, and the payment certificate applied by the payment terminal to the payment card
  • the information is used as the content of the NFC Tag, and the payment terminal reads the NFC Tag as a card reader to obtain the content therein.
  • the receiving terminal and the mobile terminal device can exchange target bearing based on NFC technology.
  • the switching information of the connection is re-established based on the switching information to establish a target bearer connection between the payment terminal and the mobile terminal device, and the payment terminal transmits the payment voucher information of the payment card application to the mobile terminal device through the target bearer connection.
  • the target bearer connection may be a short-range communication connection other than NFC.
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is determined by the mobile terminal device, and the collection terminal detects whether the transaction information includes at least one key information, and the key information.
  • the category may include: indication information indicating that the payment card application supports the terminal cardholder verification method, indication information indicating that the payment card application is successfully verified by the terminal cardholder, and a personal account number of the payment card application.
  • the included digital information conforming to the preset encoding rule; the preset encoding rule may be a personal account number encoding rule specific to the payment card application of the mobile terminal device.
  • the payment terminal determines that the operating environment of the payment card application is the mobile terminal device.
  • the receiving terminal determines, according to the transaction information, that the operating environment of the payment card application is determined by the mobile terminal device, and the receiving terminal detects whether the first indication information is included in the transaction information, the first indication The information used to indicate that the payment card application's operating environment is a mobile terminal device.
  • the payment terminal determines that the operating environment of the payment card application is the mobile terminal device.
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is determined by the mobile terminal device, and the receiving terminal obtains the identifier of the payment card application from the transaction information.
  • the payment terminal sends the identifier of the payment card application to the server, and the server determines whether the operating environment of the payment card application is a mobile terminal device according to the identifier of the payment card application.
  • the server stores the correspondence between the identifiers of the respective payment card applications and the running environment, and the server may determine the running environment of the payment card application according to the identifier of the payment card application.
  • the identifier of the payment card application may be a personal account number exchanged between the payment card application and the payment terminal. It should be noted that when a bank card is added to the payment card application of the mobile terminal device, the movement is When the personal card number of the payment card application of the terminal device interacts with the receiving terminal, it is no longer the personal account number of the bank card itself, but the temporary personal account number assigned by the server corresponding to the personal account number of the bank card itself. The temporary personal account number can be updated and replaced, and the server stores the correspondence between the personal account number of the bank card itself and the temporary personal account number.
  • the server determines, according to the identifier of the payment card application, that the operating environment of the payment card application is a mobile terminal device, the server returns second indication information to the collection terminal, and the collection terminal receives second indication information returned by the server, the second The indication information is used to indicate that the operating environment of the payment card application is a mobile terminal device.
  • the payment terminal determines that the operating environment of the payment card application is a physical card according to the transaction information, the payment terminal processes the payment voucher information applied by the payment card.
  • the payment terminal processes the payment voucher information of the payment card application, including:
  • the payment terminal prints the payment voucher information of the payment card application; and/or,
  • the payment terminal sends the payment voucher information of the payment card application to the receiving account bound to the physical card by using the second communication technology, such as a mailbox, another mobile phone application capable of receiving the payment voucher information, and the second communication technology includes the cellular Any of communication technology, wired communication technology, and wireless local area network Wi-Fi technology.
  • the determining terminal determines, according to the transaction information, that the operating environment of the payment card application is a physical card, wherein the transaction information includes indication information indicating that the operating environment of the payment card application is a physical card; and/or, in the transaction information
  • the personal account number does not include digital information that conforms to the preset encoding rule; and/or, the payment terminal uploads the identifier of the payment card application in the transaction information to the server, and the server determines the application of the payment card according to the identifier of the payment card application.
  • the operating environment is a physical card
  • the server sends indication information to the payment terminal indicating that the operating environment of the payment card application is a physical card.
  • the payment terminal before the payment terminal processes the payment voucher information of the payment card application, the payment terminal outputs selection information for instructing the user to select the payment voucher information for the payment card application. The processing of the processing.
  • the payment terminal acquires a selection instruction selected by the user for the selection information, and determines a processing manner corresponding to the selection instruction. For example, when the user selects a selection instruction that the user selects the paper payment certificate, the collection terminal prints the location. Determining the payment voucher information of the payment card; if the selection instruction of the electronic payment voucher is detected by the user, the payment terminal sends the payment voucher information of the payment card to the physical card by using the second communication technology Receiving an account number, such as an email address; if detecting a selection instruction of the electronic payment voucher and the paper payment voucher, the payment terminal prints the payment voucher information of the payment card, and simultaneously sends the payment voucher information of the payment card The second communication technology is sent to the receiving account bound to the physical card.
  • a second aspect of the embodiments of the present invention provides a payment processing apparatus, including an obtaining unit, a processing unit, and a sending unit.
  • the acquiring unit is configured to acquire transaction information of a payment card application
  • the processing unit is configured to use, according to the transaction information, Determining that the operating environment of the payment card application is a mobile terminal device; and a sending unit, configured to send, by using a first communication technology, payment voucher information of the payment card application to the mobile terminal device, where the first communication technology includes a short Distance communication technology.
  • a third aspect of the embodiments of the present invention provides a payment processing apparatus, including: a transceiver, a processor, and a memory; the payment processing apparatus is a specific structure that carries the second aspect functional module.
  • the memory is configured to store computer program instructions
  • the processor is coupled to the memory for reading computer program instructions stored by the memory and performing the method as provided in the first aspect above.
  • a fourth aspect of the embodiments of the present invention provides a program storage medium, which can implement the method provided by the above first aspect when the program stored in the program storage medium is executed.
  • the payment terminal when the transaction processing is performed between the payment terminal and the payment card application, acquires the transaction information of the payment card application, and the collection terminal further determines, according to the transaction information, that the operating environment of the payment card application is the mobile terminal device.
  • the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device by using a short-distance communication technology.
  • the operation environment of the payment card application is determined to be a mobile terminal device, the user is carrying the mobile terminal device.
  • the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device, which is convenient for the user to manage and view, and the transmission mode sent to the mobile terminal device by the short-distance communication technology does not need to rely on the network coverage, and has a wide application range.
  • FIG. 1 is a process interaction diagram of a payment processing method according to an embodiment of the present invention.
  • FIG. 2 is an interaction diagram of determining an operating environment of a payment card application according to an embodiment of the present invention
  • FIG. 3 is an interaction diagram of another operating environment for determining a payment card application according to an embodiment of the present invention.
  • FIG. 4 is still another interaction diagram of determining an operating environment of a payment card application according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a collection terminal according to an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of another payment terminal according to an embodiment of the present invention.
  • the payment card application of the embodiment of the present invention may run on a mobile terminal, or the payment card application may run in a physical card, which may be a bank card (such as a debit card, a credit card, etc.).
  • a bank card such as a debit card, a credit card, etc.
  • the payment card application stores the transaction information of the bank card, and can exchange transaction information independently with the payment terminal without requiring networking, thereby completing payment, for example, running on the mobile terminal
  • Payment card applications include Apple Pay, Huawei Pay, and more.
  • FIG. 1 is a process interaction diagram of a payment processing method according to an embodiment of the present invention. As shown in the figure, the process interaction in the embodiment of the present invention includes but is not limited to the following steps:
  • the payment card application is based on a standard transaction process
  • the payment terminal acquires transaction information of the payment card application
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is a mobile terminal device or a physical card. If the payment terminal determines that the operating environment of the payment card application is the mobile terminal device, steps S12 to S13 are performed; if the payment terminal determines the payment If the operating environment of the card application is a physical card, steps S14 to S17 are performed.
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is a mobile terminal device;
  • the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device.
  • the payment terminal determines, according to the transaction information, that the operating environment of the payment card application is a physical card
  • the payment terminal outputs selection information, where the selection information is used to indicate that the user selects a processing manner for processing the payment voucher information of the payment card application;
  • the payment terminal acquires a selection instruction for the selection information, and determines a processing manner corresponding to the selection instruction.
  • the payment card application and the payment terminal are transacted based on the EMVCo standard or the PBOC standard transaction process.
  • the payment terminal can be a POS machine.
  • the payment terminal sends an instruction to the payment card application (the operating environment of the payment card application may be a physical card or a mobile terminal device), and obtains transaction information fed back by the payment card application.
  • the payment terminal sends a SELECT command, a READ Record command, or a Get Processing Options (GPO) command according to the EMVCo standard or the PBOC standard, and the payment card application returns the transaction information to the payment terminal.
  • GPO Get Processing Options
  • the transaction information includes at least a Personal Account Number (PAN) of the payment card application, and may also include a Cardholder Verification Method List (CVM List) and/or a card verification result (Card). Verification Results, CVR).
  • PAN Personal Account Number
  • CVM List Cardholder Verification Method List
  • Card card verification result
  • CVR Verification Results
  • the receiving terminal delivers based on the transaction information Easy payment processing, after determining that the transaction processing is successful, the payment voucher information of the payment card application needs to be processed.
  • the payment credential information is usually printed, which wastes resources and is inconvenient to manage.
  • the embodiment of the present invention provides a payment processing method, which can distinguish the operating environment of the payment card application and apply the payment card. When the operating environment is different environments, different processing methods are adopted.
  • the electronic payment credential information may be sent to the mobile terminal, so that the user can manage and view the electronic device through the mobile terminal.
  • Payment voucher information For example, when the operating environment of the payment card application is a physical card, the user may be selected to process the payment voucher information. If the user carries the mobile phone with him, the user may choose to use the electronic payment voucher information to send the mailbox to the user, or If the user does not carry the mobile phone with him, he can choose to use the printed electronic payment voucher information, so that the user can get the after-sales treatment in time.
  • the receiving terminal determines, according to the transaction information, that the operating environment of the payment card application is determined by the mobile terminal device, but is not limited to the following three optional implementation manners:
  • determining the operating environment of the payment card application in the embodiment is a determination manner of the mobile terminal device, including but not limited to the following four steps:
  • the payment card application is based on the EMVCo standard or the PBOC standard transaction process
  • the receiving terminal performs transaction processing to determine the success of the transaction
  • the payment terminal detects whether at least one type of key information is included in the transaction information, and the type of the key information includes: indication information indicating that the payment card application supports the terminal cardholder verification method, and is used to indicate the payment.
  • the card application successfully passes the indication information of the terminal cardholder verification and the digital information that is included in the personal account number PAN of the payment card application and conforms to the preset encoding rule;
  • the payment terminal determines that the operating environment of the payment card application is a mobile terminal device.
  • the terminal cardholder verification method refers to a cardholder authentication method applicable only to the terminal, and is not applicable to the cardholder identity verification method of the physical card, for example, cardholder identification of the fingerprint identification.
  • the method is a terminal cardholder verification method, and the cardholder authentication method for fingerprint identification is not applicable to a physical card.
  • the cardholder authentication method for entering the password is not only applicable to the cardholder authentication method of the terminal, because the physical card is also applicable to the cardholder verification method.
  • the payment terminal obtains the cardholder verification method list CVM List, and determines whether the Consumer Device Cardholder Verification Method (CD-CVM) option is included, and the CD-CVM option is one.
  • CD-CVM Consumer Device Cardholder Verification Method
  • the verification result corresponding to the payment card application support terminal cardholder verification method may be used to indicate whether the payment card application successfully passes the terminal cardholder verification method, for example, using a fingerprint identification method for cardholder verification, if the payment card The application successfully passes the cardholder verification method of the fingerprint identification, and the transaction information may include indication information for indicating that the payment card application successfully passes the terminal cardholder verification.
  • the receiving terminal determines whether the CVR data is included in the transaction information acquired by the payment terminal, and the CVR data is an indication information used to indicate that the payment card application successfully passes the terminal cardholder verification. If the transaction information includes CVR data, it is determined that the operating environment of the payment card application is a mobile terminal device; if the transaction information is not included With CVR data, the operating environment of the payment card application cannot be determined.
  • the transaction information may include both the indication information for indicating the payment card application support terminal cardholder verification method and the indication information for indicating that the payment card application successfully passes the terminal cardholder verification, or
  • the transaction information only includes one of the two types of indication information, or the transaction information does not include the two types of indication information.
  • the two types of indication information are not present in the transaction information, the payment cannot be stated.
  • the operating environment of the card application is not a mobile terminal device, and further needs to judge the operating environment of the payment card application through other information in the transaction information. If at least one of the above two types of information exists in the transaction information, it may be determined that the operating environment of the payment card application is a mobile terminal device.
  • the personal account number PAN is a number for identifying a personal account. For example, a digital sequence of more than 10 digits displayed on the bank card is a personal account number. It should be noted that when the bank card is added in the payment card application of the mobile terminal, when the payment card application and the payment terminal perform the transaction, the payment card applies the personal account number PAN provided to the payment terminal and the bank card.
  • the personal account number PAN itself is different. For example, if the personal account number of the bank card itself is called PAN1, and the payment card application is used to conduct transactions with the payment terminal, the personal account number of the bank card provided by the payment card application to the payment terminal is PAN2, the value of PAN2 and PAN1.
  • the value is different, but the correspondence between the value of the PAN2 and the value of PAN1 is stored in the payment end server corresponding to the payment terminal.
  • the mobile terminal changes PAN2 each time the payment card application is reloaded or the bank card is registered on a different mobile phone.
  • the validity period of PAN2 is shorter than the validity period of PAN1.
  • the expiration date of PAN2 is automatically updated after expiration, and the correspondence between the value of PAN2 and the value of PAN1 is continuously updated in the server.
  • the payment card applies the personal account number provided to the receiving terminal.
  • the PAN is still the personal account number PAN1 of the physical card itself.
  • the embodiment of the present invention provides a value of the PAN2 after the encoding process according to the preset encoding rule, and the preset encoding rule may be preset to the payment. terminal.
  • the payment terminal judges the operating environment of the payment card application, the payment terminal can directly judge the personal account number provided by the payment card application, and if the personal account number includes digital information that conforms to the preset encoding rule, Then, it is determined that the operating environment of the payment card application is a mobile terminal device. If the personal account number does not include digital information that conforms to a preset encoding rule, it is determined that the operating environment of the payment card application is a physical card.
  • the preset encoding rule includes, but is not limited to, a value of a specific digit segment of the value of the PAN2 that satisfies a specific range rule.
  • the preset encoding rule is a value of PAN2, and the sixth to the ninth digits are 0000. Between ⁇ 3000.
  • the preset encoding rule may be: setting a plurality of preset rules, corresponding to different preset rules according to different first digits of the value of PAN2, for example, when the current 5-bit value is 622202 Corresponding to the preset rule 1, when the current 5-bit value is 621234, it corresponds to the preset rule 2.
  • the first few digits are used to identify the bank, such as ICBC or China Merchants Bank.
  • the bank such as ICBC or China Merchants Bank.
  • preset rules defined by them. Therefore, it is determined that the operating environment of the payment card application is a physical card based on the personal account number or
  • the mobile terminal device it is first necessary to determine the bank to which the bank card for the transaction belongs according to the first few digits of the personal account number, and then determine the preset rule according to the bank to which the bank belongs, and further determine the operating environment of the payment card application through the preset rule.
  • the payment terminal can use the at least one key information described above to determine whether the operating environment of the payment card application is a mobile terminal device or a physical card.
  • determining the operating environment of the payment card application in the embodiment is a determination manner of the mobile terminal device, including but not limited to the following five steps:
  • the payment terminal sends a SELECT NG-SE command to the payment card application
  • the payment card application sends a SELECT NG-SE response to the receiving terminal, where the SELECT NG-SE response includes first indication information, where the first indication information is used to indicate that the operating environment of the payment card application is a mobile terminal device;
  • the receiving terminal performs transaction processing to determine the success of the transaction
  • the receiving terminal detects that the SELECT NG-SE response includes first indication information indicating that the operating environment of the payment card application is the mobile terminal device, and determines that the operating environment of the payment card application is the mobile terminal device.
  • the existing EMVCo/PBOC non-payment payment standard is formulated by the two standard organizations for smart cards, and is limited in terms of business capabilities and processes.
  • the Proximity Payment System Environment PPSE
  • PPSE Proximity Payment System Environment
  • AID List supported by the payment terminal (sequence represents priority).
  • EMVCo proposed the concept of NG Architecture and NG SE, and released in EMVCo.
  • Gen Architecture Overview 1.0 document the description of NG SE introduces the characteristics of NG SE, which can range from basic information to more kinds of information to support traditional payment applications to various new payment requirements. .
  • the information that can be included in the NG SE there is no limit, just give some examples, such as: amount, whether to support offline transactions, and so on.
  • the embodiment of the invention provides that the NG SE response carries first indication information indicating that the operating environment of the payment card application is a mobile terminal device.
  • the payment terminal sends a SELECT NG-SE to the payment card application, and receives a SELECT NG-SE Response returned by the payment card application, where the SELECT NG-SE Response may include an operating environment indicating that the payment card application is mobile.
  • the first indication information of the terminal device may include an operating environment indicating that the payment card application is mobile.
  • the receiving terminal determines whether the operating environment of the payment card application is a physical card or a mobile terminal device according to whether the first indication information is included in the SELECT NG-SE Response. For example, if the SELECT NG-SE Response includes the first indication information, it is determined that the operating environment of the payment card application is a mobile terminal device; if the first indication information is not included in the SELECT NG-SE Response, the payment card application is determined.
  • the operating environment is a physical card.
  • the SELECT NG-SE Response may include indication information indicating that the operating environment of the payment card application is a physical card, and the payment terminal may according to SELECT NG-SE Response The indication information indicating that the running environment of the payment card application is a physical card is included, and determining that the operating environment of the payment card application is a physical card.
  • determining the operating environment of the payment card application in the embodiment is a determination manner of the mobile terminal device, including but not limited to the following six steps:
  • the payment card application and the receiving terminal conduct transactions based on the EMVCo standard or the PBOC standard transaction process;
  • the payment terminal obtains the account PAN of the payment card application, and performs transaction processing
  • the receiving terminal establishes a data connection with the issuing bank server, and sends a transaction authorization request, where the transaction authorization request includes an account PAN of the payment card application;
  • the issuing bank server determines, according to the PAN, that the operating environment of the payment card application is a mobile terminal device or a physical card;
  • the issuing bank server collects the payment The terminal returns a transaction authorization indication, where the transaction authorization indication includes second indication information, where the second indication information is used to indicate that the operating environment of the payment card application is a mobile terminal device;
  • the issuing bank server determines that the operating environment of the payment card application is a physical card
  • the issuing bank server returns a transaction authorization indication to the receiving terminal, where the transaction authorization indication includes third indication information, where the third indication information is used to indicate the payment card application.
  • the operating environment is a physical card
  • the receiving terminal receives the transaction authorization indication returned by the issuing bank server, and determines, according to the second indication information in the transaction authorization indication, that the operating environment of the payment card application is the mobile terminal device, or according to the third indication in the transaction authorization indication.
  • Information to determine the operating environment of the payment card application is a physical card.
  • the transaction processing is performed based on the EMVCo/PBOC standard
  • the payment terminal obtains the identifier of the payment card application
  • the issuing bank server stores the correspondence between the identification of the payment card application and the operating environment. Relationship, so the issuer server can determine the operating environment of the payment card application based on the identity of the payment card application.
  • the identifier may be a personal account number PAN of the payment card application.
  • the value of the personal account number PAN of the payment card application acquired by the payment terminal is different from the value of the PAN of the bank card added by the payment card application.
  • the value of the personal account number PAN of the payment card application acquired by the payment terminal is the personal account number PAN of the physical card operated by the payment card application.
  • the issuing bank server stores the correspondence between each PAN and the operating environment.
  • PAN1 is the personal account number of the bank card
  • PAN2 is the personal account number of the payment card application added to the mobile terminal
  • the issuing bank The operating environment corresponding to the server PAN1 is a physical card
  • the operating environment corresponding to the PAN2 is a mobile terminal device.
  • the issuer server can distinguish the operating environment of the payment card application according to the personal account number of the payment application uploaded by the payment terminal.
  • the payment terminal sends a transaction authorization request to the issuing bank server, where the transaction authorization request includes the obtained personal account number of the payment card application, and the transaction authorization request may further include the payment terminal supporting the processing of the electronic payment.
  • the issuing bank server performs transaction processing to determine that the transaction is valid; and according to the personal account number of the payment card application, determines that the operating environment of the payment card application is a mobile terminal device or a physical card, and further optionally, the issuing bank server may also obtain a reservation.
  • the issuing bank server sends the transaction authorization indication to the payment terminal.
  • the transaction authorization indication includes the operating environment for indicating that the payment card application is the mobile terminal device. Two instructions. If the issuing bank server determines that the operating environment of the payment card application is a physical card, the transaction authorization indication includes indication information indicating that the operating environment of the payment card application is a physical card. Further optionally, the transaction authorization indication may further include an email address obtained by the issuer server.
  • the payment terminal may use one or more of the above three alternative embodiments to determine that the operating environment of the payment card application is a mobile terminal device or a physical card.
  • the payment terminal can process the payment voucher information in different processing modes:
  • the payment terminal determines that the operating environment of the payment card application is a mobile terminal device, generating electronic payment credential information (e-Receipt) and transmitting the information to the mobile terminal device.
  • e-Receipt electronic payment credential information
  • the payment terminal may be the second communication technology to send the payment voucher information to an account bound to the personal account number of the payment card application, such as an instant messaging account, a mobile phone number, or an email address, etc.
  • second Communication technologies include, but are not limited to, cellular communication technology, wired communication technology, wireless local area network Wi-Fi technology, and the like; and/or,
  • the payment terminal may also send the payment voucher information of the payment card application to the mobile terminal device by using a first communication technology
  • the first communication technology may be a short-distance communication technology, for example, the first communication technology is near-field communication (Near Field Communication, NFC) technology, Bluetooth technology and more.
  • the payment terminal may also send a payment to the email address bound to the personal account number of the payment card application by means of email. Voucher information.
  • the email address bound to the personal account number of the payment card application may be obtained by querying the payment end server corresponding to the payment terminal; or the email address bound to the personal account number of the payment card application may also be Obtaining, by the mobile terminal device, for example, the email address is carried in the SELECT NG-SE Response returned by the mobile terminal device to the payment terminal; or the user can also input the email address on the spot receiving terminal, and the receiving terminal uploads the email address.
  • the payee server stores the correspondence between the personal account number of the payment card application and the email address.
  • the manner in which the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device based on the NFC technology may include, but is not limited to, the following optional implementation manners:
  • the payment terminal acts as a card reader and transmits the e-Receipt to the mobile terminal device; or
  • the receiving terminal and the mobile terminal device interrupt the current connection, re-establish a point-to-point (P2P) connection and send the e-Receipt to the mobile terminal device; or
  • the payment terminal and the mobile terminal device interrupt the current connection, and the e-Receipt is used as the tag simulation content by the payment terminal, and is read by the mobile terminal device as a card reader.
  • the receiving terminal may also exchange information with the mobile terminal device based on the NFC technology to exchange the target bearer connection, and re-establish a target bearer connection with the mobile terminal device based on the switching information, and the receiving terminal Transmitting, by the target bearer connection, payment voucher information of the payment card application to the mobile terminal device, the target bearer connection being a short-range communication connection other than the NFC.
  • the target bearer connection is a Bluetooth connection
  • the switching information of the Bluetooth connection between the payment terminal and the mobile terminal device, and the Bluetooth connection between the payment terminal and the mobile terminal device is established based on the switching information, and the e-Receipt is passed through
  • the established Bluetooth connection is sent to the mobile terminal device.
  • the selection information may be output, where the selection information is used to prompt the user to select a processing manner for processing the payment voucher information applied to the payment card, such as The selection information is used to prompt the user to select a paper payment voucher and/or an electronic payment voucher.
  • the user can select the selection information, and the collection terminal acquires a selection instruction of the user for the selection information, and determines a processing manner corresponding to the selection instruction. For example, if the selection instruction of the paper payment voucher is detected by the user, the payment terminal prints the payment voucher information of the payment card; if the user selects the selection instruction of the electronic payment voucher, the receiving terminal passes The second communication technology sends the payment credential information of the payment card to a receiving account bound to the physical card, such as an email address; if the user selects a selection instruction of the electronic payment voucher and the paper payment voucher, the The payment terminal prints the payment voucher information of the payment card, and simultaneously sends the payment voucher information of the payment card to the receiving account bound to the physical card by using the second communication technology.
  • the above second communication technology includes but is not limited to cellular communication technology, wired communication technology, wireless local area network (Wireless Fidelity, Wi-Fi) technology and so on.
  • the payment terminal when the transaction processing is performed between the payment terminal and the payment card application, acquires the transaction information of the payment card application, and the collection terminal further determines, according to the transaction information, that the operating environment of the payment card application is the mobile terminal device.
  • the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device by using a short-distance communication technology.
  • the operation environment of the payment card application is determined to be a mobile terminal device, the user is carrying the mobile terminal device.
  • the payment terminal sends the payment voucher information of the payment card application to the mobile terminal device, which is convenient for the user to manage and view, and the transmission mode sent to the mobile terminal device by the short-distance communication technology does not need to rely on the network coverage, and has a wide application range.
  • FIG. 5 and FIG. 6 are schematic diagrams showing the structure of a payment processing apparatus according to an embodiment of the present invention.
  • the payment processing apparatus according to the embodiment of the present invention may be applied to the method embodiment of FIG. 1.
  • the payment processing apparatus may include: an obtaining unit 101, a processing unit 102, and a sending unit 103, where:
  • the obtaining unit 101 is configured to perform a receiving action performed by the payment terminal described in the above method
  • the sending unit 102 is configured to perform a sending action performed by the payment terminal described in the above method
  • the processing unit 103 may be configured to perform corresponding processing described by the foregoing method on the transaction information received by the obtaining unit 101, and/or perform corresponding processing described in the foregoing method on the payment credential information to be sent by the sending unit 102.
  • the sending unit 102 sends the payment voucher information.
  • the obtaining unit 101 and the sending unit 102 can be implemented by using the transceiver 1001 in FIG. 6, and the processing unit 103 can be implemented by using the processor 1002, or by using the processor 1002 and the memory 1003.
  • the obtaining unit 101 is configured to acquire, by the payment terminal, transaction information of the payment card application;
  • the processing unit 103 is configured to determine, according to the transaction information, that the operating environment of the payment card application is a mobile terminal device;
  • the sending unit 102 is configured to send the payment credential information of the payment card application to the mobile terminal device by using a first communication technology, where the first communication technology comprises a short-range communication technology.
  • the payment processing apparatus may include: a transceiver 1001 and a processor 1002.
  • the processor 1002 is configured to control the operation of the apparatus, including transmitting (including receiving and/or transmitting) data through the transceiver 1001.
  • a memory 1003 may be included.
  • the memory 1003 may include a read only memory and a random access memory for providing instructions and data to the processor 1002.
  • the memory 1003 can be integrated into the processor 1002 or can be independent of the processor 1002.
  • a portion of the memory 1003 may also include non-volatile line random access memory (NVRAM).
  • NVRAM non-volatile line random access memory
  • bus system 1009 includes a power bus, a control bus, and a status signal bus in addition to the data bus.
  • bus system 1009 includes a power bus, a control bus, and a status signal bus in addition to the data bus.
  • bus system 1009 various buses are labeled as bus system 1009 in the figure.
  • the flow disclosed in the embodiment of the present application may be applied to the processor 1002 or implemented by the processor 1002.
  • each step of the process implemented by the device may be completed by an integrated logic circuit of hardware in the processor 1002 or an instruction in the form of software.
  • the processor 1002 can be a general purpose processor, a digital signal processor, an application specific integrated circuit,
  • the methods, steps, and logic blocks disclosed in the embodiments of the present application may be implemented or executed by a field programmable gate array or other programmable logic device, a discrete gate or a transistor logic device, or a discrete hardware component.
  • a general purpose processor can be a microprocessor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present application may be directly implemented as a hardware processor, or may be performed by a combination of hardware and software modules in the processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 1003, and the processor 1002 reads the information in the memory 1003, and completes the steps of the instruction flow of the embodiment of the present invention in combination with the hardware thereof.
  • the device when the device is a payment terminal, the device may further include an input device, such as a keyboard, an output device, such as a display screen, and the like, and details are not described herein.
  • an input device such as a keyboard
  • an output device such as a display screen
  • the program can be stored in a computer readable storage medium, when the program is executed
  • the flow of the method embodiments as described above may be included.
  • the foregoing storage medium includes various media that can store program codes, such as a ROM or a random access memory RAM, a magnetic disk, or an optical disk.

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Abstract

一种支付处理方法及装置，其中，支付处理方法包括：收款终端获取付款卡应用的交易信息；所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备；所述收款终端通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，该第一通信技术包括短距离通信技术。采用本发明实施例，可以方便用户管理以及查看支付凭证信息。

Description

一种支付处理方法及装置 技术领域
本发明涉及通信技术领域，尤其涉及一种支付处理方法及装置。
背景技术
目前，在全球范围内，刷卡交易已经成为一种非常普遍的支付形式，每个商户均设置收款终端，比如销售点(Point of Sale，POS)机，当用户支付时，将银行卡***或靠近POS机即可进行支付。具体支付过程是，POS机与银行卡中的应用之间进行交互，POS机获取银行卡的交易信息，并联网银行服务器实现支付。
随着通信技术的发展，使用移动终端进行支付也逐渐成为一种常用的支付方式，即可以将移动终端作为一张银行卡使用。具体支付过程可以是，移动终端的应用与POS机之间进行交互，POS机获取添加至移动终端的应用中的银行卡的交易信息，并联网银行服务器实现支付。目前常用的进行支付的移动终端的应用是Apple Pay，Huawei Pay等。
无论是使用银行卡支付还是使用移动终端支付，在支付交易完成后，通常POS机会打印银行签购单，作为交易的一种支付凭证。对于日常购物来说，纸质的银行签购单的保管较为繁琐；同时，由于多数情况下不会被使用，纸质的银行签购单也会带来资源浪费。
发明内容
本发明实施例提供了一种支付处理方法及装置，可以避免资源浪费，并且方便用户管理和使用该支付凭证信息。
第一方面，本发明实施例提供一种支付处理的方法，该支付处理的方法具体包括，收款终端获取付款卡应用的交易信息，该交易信息可以是基于EMVCo或中国人民银行(People’s Bank of China，PBOC)等制定的金融集成电路(Integrated Circuit,IC)卡交易标准的交易流程所获取的付款卡应用的信息。
收款终端根据交易信息，确定该付款卡应用的运行环境是移动终端设备，即确定用户是通过移动终端设备的付款卡应用进行支付。该收款终端通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，其中，该第一通信技术可以包括短距离通信技术，比如近场通信(Near Field Communication，NFC)技术、蓝牙通信技术、无线高保真直连(Wi-Fi Direct)技术等等。
在一种可能的设计中，收款终端基于NFC技术，将付款卡应用的支付凭证信息发送给移动终端设备。比如,收款终端与移动终端使用传输交易信息时建立的NFC连接，由收款终端作为NFC读卡器，将付款卡应用的支付凭证信息发送给移动终端设备；或者，收款终端与移动终端设备中断当前连接，重新建立NFC P2P连接并将付款卡应用的支付凭证信息发送给移动终端设备；或者，收款终端与移动终端设备中断当前连接，并由收款终端将付款卡应用的支付凭证信息作为NFC Tag的内容，由付款终端作为读卡器读取该NFC Tag获取其中的内容。
在一种可能的设计中，收款终端与移动终端设备之间可以基于NFC技术交互目标承载 连接的切换信息，并基于该切换信息重新建立收款终端与移动终端设备之间的目标承载连接，收款终端通过该目标承载连接将付款卡应用的支付凭证信息发送给移动终端设备。目标承载连接可以是除NFC外的短距离通信连接。
在一种可能的设计中，收款终端根据交易信息，确定付款卡应用的运行环境是移动终端设备的确定方式可以是，收款终端检测交易信息中是否包括至少一种关键信息，关键信息的种类可以包括：用于指示所述付款卡应用支持终端持卡人验证方法的指示信息、用于指示所述付款卡应用成功通过终端持卡人验证的指示信息以及付款卡应用的个人账户号码中包含的符合预设编码规则的数字信息；该预设编码规则可以是专属于移动终端设备的付款卡应用的个人账户号码编码规则。
若交易信息中包括至少一种关键信息，则收款终端确定付款卡应用的运行环境是移动终端设备。
在一种可能的设计中，收款终端根据交易信息，确定付款卡应用的运行环境是移动终端设备的确定方式可以是，收款终端检测交易信息中是否包括第一指示信息，该第一指示信息用于指示付款卡应用的运行环境是移动终端设备。
若交易信息中包括第一指示信息，则收款终端确定付款卡应用的运行环境是移动终端设备。
在一种可能的设计中，收款终端根据交易信息，确定付款卡应用的运行环境是移动终端设备的确定方式可以是，收款终端从所述交易信息中获取所述付款卡应用的标识；该收款终端将所述付款卡应用的标识发送至服务器，服务器根据付款卡应用的标识可以确定付款卡应用的运行环境是否为移动终端设备。比如服务器中存储了各个付款卡应用的标识与运行环境之间的对应关系，则服务器可以根据付款卡应用的标识确定该付款卡应用的运行环境。
可选的，付款卡应用的标识可以是付款卡应用与收款终端之间交互的个人账户号码，需要说明的是，当一张银行卡被添加进移动终端设备的付款卡应用时，该移动终端设备的付款卡应用与收款终端之间交互个人账户号码时，不再是该银行卡本身的个人账户号码，而是服务器分配的与该银行卡本身的个人账户号码对应的临时个人账号号码，该临时个人账号号码可以更新替换，同时服务器存储该银行卡本身的个人账户号码与临时个人账户号码之间的对应关系。
当服务器根据付款卡应用的标识，确定付款卡应用的运行环境是移动终端设备时，该服务器向收款终端返回第二指示信息，收款终端接收服务器返回的第二指示信息，所述第二指示信息用于指示所述付款卡应用的运行环境是移动终端设备。
在一种可能的设计中，若收款终端根据交易信息确定该付款卡应用的运行环境是实体卡，则收款终端对付款卡应用的支付凭证信息进行处理。
其中，收款终端对付款卡应用的支付凭证信息进行处理，包括：
收款终端打印所述付款卡应用的支付凭证信息；和/或，
收款终端将付款卡应用的支付凭证信息通过第二通信技术发送至与所述实体卡绑定的接收账号，如邮箱、具备接收支付凭证信息能力的其他手机应用等，第二通信技术包括蜂窝通信技术、有线通信技术、无线局域网Wi-Fi技术中的任意一种。
收款终端根据交易信息确定付款卡应用的运行环境是实体卡的确定方式可以是，交易信息中包括用于指示该付款卡应用的运行环境是实体卡的指示信息；和/或，交易信息中的个人账户号码中不包括符合预设编码规则的数字信息；和/或，收款终端将交易信息中付款卡应用的标识上传至服务器，服务器根据该付款卡应用的标识确定该付款卡应用的运行环境是实体卡，服务器并向该收款终端发送用于指示该付款卡应用的运行环境是实体卡的指示信息。
在一种可能的设计中，收款终端对所述付款卡应用的支付凭证信息进行处理之前，该收款终端输出选择信息，该选择信息用于指示用户选择对付款卡应用的支付凭证信息进行处理的处理方式。
收款终端获取用户选择的针对该选择信息的选择指令，并确定与选择指令对应的处理方式，比如，用户选择若检测到用户选择纸质支付凭证的选择指令时，所述收款终端打印所述付款卡的支付凭证信息；若检测到用户选择电子支付凭证的选择指令时，所述收款终端通过第二通信技术将所述付款卡的支付凭证信息发送至与所述实体卡绑定的接收账号，比如email地址；若检测到用户选择电子支付凭证和纸质支付凭证的选择指令时，所述收款终端打印所述付款卡的支付凭证信息，同时将所述付款卡的支付凭证信息通过第二通信技术发送至与所述实体卡绑定的接收账号。
本发明实施例第二方面提供一种支付处理装置，包括获取单元、处理单元以及发送单元；其中，获取单元，用于获取付款卡应用的交易信息；处理单元，用于根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备；发送单元，用于通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述第一通信技术包括短距离通信技术。
本发明实施例第三方面提供一种支付处理装置，包括：收发器、处理器和存储器；该支付处理装置为承载第二方面功能模块的具体结构。
所述存储器，用于存储计算机程序指令；
所述处理器，耦合到所述存储器，用于读取所述存储器存储的计算机程序指令，并执行如上第一方面所提供的方法。
本发明实施例第四方面提供一种程序存储介质，该程序存储介质所存储的程序被执行时，可以实现上述第一方面所提供的方法。
本发明实施例中，收款终端与付款卡应用之间进行交易处理时，收款终端获取付款卡应用的交易信息，收款终端进一步根据交易信息，确定付款卡应用的运行环境是移动终端设备，该收款终端通过短距离通信技术将付款卡应用的支付凭证信息发送给移动终端设备，这种方式在确定付款卡应用的运行环境是移动终端设备时，则说明用户携带移动终端设备，收款终端默认将付款卡应用的支付凭证信息发送给移动终端设备，方便用户管理以及查看，并且通过短距离通信技术发送至移动终端设备的发送方式不需要依赖于网络覆盖，适用范围广。
附图说明
为了更清楚地说明本发明实施例或背景技术中的技术方案，下面将对本发明实施例或 背景技术中所需要使用的附图进行说明。
图1为本发明实施例提供的一种支付处理方法的流程交互图；
图2为本发明实施例提供的一种确定付款卡应用的运行环境的交互图；
图3为本发明实施例提供的另一种确定付款卡应用的运行环境的交互图；
图4为本发明实施例提供的又一种确定付款卡应用的运行环境的交互图；
图5为本发明实施例提供的一种收款终端的结构示意图；
图6为本发明实施例提供的另一种收款终端的结构示意图。
具体实施方式
下面结合本发明实施例中的附图对本发明实施例进行描述。
本发明实施例的付款卡应用可以运行在移动终端，或者该付款卡应用可以运行在实体卡中，实体卡可以是银行卡(比如借记卡、***等等)。当付款卡应用运行在移动终端时，该付款卡应用存储银行卡的交易信息，并且可以在不需要联网的情况下独立与付款终端之间交互交易信息，从而完成支付，比如，运行在移动终端的付款卡应用包括Apple Pay，Huawei Pay等等。
请参照图1，为本发明实施例提供的一种支付处理方法的流程交互图，如图所示，本发明实施例的流程交互包括但不限于以下步骤：
S10，付款卡应用基于标准交易流程进行交易；
S11，收款终端获取付款卡应用的交易信息；
收款终端根据交易信息确定付款卡应用的运行环境是移动终端设备或者实体卡，若收款终端确定付款卡应用的运行环境是移动终端设备，则执行步骤S12～S13；若收款终端确定付款卡应用的运行环境是实体卡，则执行步骤S14～S17。
S12，收款终端根据交易信息，确定付款卡应用的运行环境是移动终端设备；
S13，收款终端将付款卡应用的支付凭证信息发送给移动终端设备；
S14，收款终端根据交易信息，确定付款卡应用的运行环境是实体卡；
S15，收款终端输出选择信息，所述选择信息用于指示用户选择对所述付款卡应用的支付凭证信息进行处理的处理方式；
S16，收款终端获取针对选择信息的选择指令，并确定与所述选择指令对应的处理方式；
S17，根据选择指令，对付款卡应用的支付凭证信息进行处理；
在一个实施例中，付款卡应用与收款终端之间基于EMVCo标准或PBOC标准交易流程进行交易。可选的，收款终端可以是POS机。比如，收款终端(POS机)向付款端卡应用(该付款卡应用的运行环境可以是实体卡或者移动终端设备)发送指令，并获取付款卡应用反馈的交易信息。具体可选的，付款终端根据EMVCo标准或PBOC标准发送SELECT指令、READ Record指令或者获取处理选项(Get Processing Options，GPO)指令等，付款卡应用向收款终端返回交易信息。
可选的，该交易信息至少包括付款卡应用的个人账户号码(Personal Account Number，PAN)，还可能包括持卡人验证方法清单(Cardholder Verification Method List，CVM List)和/或卡片验证结果(Card Verification Results，CVR)。收款终端基于该交易信息进行交 易支付处理，确定交易处理成功后，需要将该付款卡应用的支付凭证信息进行处理。比如目前业内，通常打印该支付凭证信息，这种方式浪费资源，并且不方便管理，本发明实施例提出一种支付处理方法，可以对付款卡应用的运行环境加以区分，并在付款卡应用的运行环境为不同环境时，采取不同的处理方式，比如当付款卡应用的运行环境是移动终端设备，则说明可以采用电子支付凭证信息的方式发给移动终端，方便用户通过移动终端管理和查看电子支付凭证信息。又比如当付款卡应用的运行环境为实体卡，则可以给用户选择支付凭证信息的处理方式，若用户随身携带手机，则可以选择采用电子支付凭证信息的方式发送给用户绑定的邮箱，或者，若用户没有随身携带手机，则可以选择采用打印纸质的电子支付凭证信息，这样方便用户及时得到售后处理。
具体可选的，收款终端根据交易信息，确定该付款卡应用的运行环境是移动终端设备的确定方式可以是包括但不限于以下三种可选的实施方式：
作为第一种可选的实施方式，请参照图2所示，本实施方式中确定付款卡应用的运行环境是移动终端设备的确定方式包括但不限于以下4个步骤：
1、付款卡应用基于EMVCo标准或PBOC标准交易流程进行交易；
2、收款终端进行交易处理，确定交易成功；
3、收款终端检测交易信息中是否包括至少一种关键信息，所述关键信息的种类包括：用于指示所述付款卡应用支持终端持卡人验证方法的指示信息、用于指示所述付款卡应用成功通过终端持卡人验证的指示信息以及所述付款卡应用的个人账户号码PAN中包含的符合预设编码规则的数字信息；
4、若交易信息中包括至少一种关键信息，则收款终端确定该付款卡应用的运行环境是移动终端设备。
可选的，其中终端持卡人验证方法指的是仅仅适用于终端的持卡人身份验证方法，而不适用于实体卡的持卡人身份验证方法，比如，指纹识别的持卡人身份验证方法就是一种终端持卡人验证方法，指纹识别的持卡人身份验证方法不适用于实体卡。而输入密码的持卡人身份验证方法就不是仅仅适用于终端的持卡人身份验证方法，因为实体卡也同样适用于该持卡人验证方法。
具体可选的，收款终端获取持卡人验证方法清单CVM List，判断其中是否包含消费者设备持卡人验证方法(Consumer Device Cardholder Verification Method，CD-CVM)选项，该CD-CVM选项为一种用于指示该付款卡应用支持终端持卡人验证方法的指示信息。若CVM List中包括CD-CVM选项，则确定该付款卡应用的运行环境为移动终端设备；若CVM List不包含CD-CVM选项，则无法确定付款卡应用的运行环境。
其中，与上述付款卡应用支持终端持卡人验证方法对应的验证结果可以用于指示该付款卡应用是否成功通过终端持卡人验证方法，比如采用指纹识别方法进行持卡人验证，若付款卡应用成功通过该指纹识别的持卡人验证方法，则交易信息中可以包括用于指示该付款卡应用成功通过终端持卡人验证的指示信息。
具体可选的，收款终端判断从付款终端获取的交易信息中是否包含CVR数据，该CVR数据为一种用于指示所述付款卡应用成功通过终端持卡人验证的指示信息。若该交易信息中包含CVR数据，则确定该付款卡应用的运行环境是移动终端设备；若该交易信息中不包 含CVR数据，则无法确定该付款卡应用的运行环境。
交易信息中可能同时包含上述用于指示所述付款卡应用支持终端持卡人验证方法的指示信息及用于指示所述付款卡应用成功通过终端持卡人验证的指示信息两种指示信息，或者，交易信息中仅仅包含上述两种指示信息中的一种指示信息，或者交易信息中均不包含上述两种指示信息，当交易信息中均不存在上述两种指示信息时，并不能说明该付款卡应用的运行环境不是移动终端设备，还需要进一步通过交易信息中的其他信息判断该付款卡应用的运行环境。若交易信息中存在上述两种信息中的至少一种时，可以确定该付款卡应用的运行环境是移动终端设备。
其中，个人账户号码PAN是用于标识个人账户的号码，例如，银行卡上显示的10多位的数字序列即是个人账户号码。需要说明的是，当银行卡添加在移动终端的付款卡应用中时，在付款卡应用与收款终端之间进行交易时，付款卡应用向收款终端提供的个人账户号码PAN与该银行卡本身的个人账户号码PAN是不同的。比如将该银行卡本身的个人账户号码称为PAN1，而付款卡应用与收款终端进行交易时，付款卡应用向收款终端提供的该银行卡的个人账户号码为PAN2，PAN2的值与PAN1的值不同，但是在与该收款终端对应的收款端服务器中存储了该PAN2的值和PAN1的值之间的对应关系。移动终端每次重装付款卡应用或该银行卡在不同手机上注册时，均会变更PAN2。同时，PAN2的有效期比PAN1的有效期要短，PAN2的有效期到期后会自动更新，服务器中也会不断更新PAN2的值与PAN1的值之间的对应关系。
若是实体卡(比如银行卡)与收款终端之间进行交易时，运行在该实体卡中的付款卡应用与收款终端之间进行交易时，付款卡应用向收款终端提供的个人账户号码PAN仍然是该实体卡本身的个人账户号码PAN1。
为了便于区分进行交易的付款卡应用运行环境是实体卡还是移动终端，本发明实施例提出一种按照预设编码规则进行编码处理后的PAN2的值，该预设编码规则可以预置于收款终端。当收款终端在对付款卡应用的运行环境进行判断时，收款终端可以直接通过付款卡应用所提供的个人账户号码进行判断，若该个人账户号码中包含符合预设编码规则的数字信息，则确定该付款卡应用的运行环境是移动终端设备，若该个人账户号码中不包含符合预设编码规则的数字信息，则确定该付款卡应用的运行环境是实体卡。
可选的，该预设编码规则包括但不限于PAN2的值中特定位数段的取值满足特定范围规则，例如，该预设编码规则为PAN2的值中第6～9位取值为0000～3000之间。进一步可选的，该预设编码规则还可以是，设置多个预置规则，根据PAN2的值中前若干位的不同，对应于不同的预置规则，例如，当前5位取值为622202时，对应预置规则1，当前5位取值为621234时，对应预置规则2。该前若干位的值用于标识银行，例如工商银行或招商银行等，对于不同的银行，有各自定义的预置规则，因此在根据个人账户号码确定该付款卡应用的运行环境是实体卡或者移动终端设备时，首先需要根据该个人账户号码的前若干位确定进行交易的银行卡所属银行，再根据所属银行确定预置规则，进一步通过预置规则确定该付款卡应用的运行环境。
收款终端可以使用上述至少一种关键信息来确定付款卡应用的运行环境是移动终端设备还是实体卡。
作为第二种可选的实施方式，请参照图3所示，本实施方式中确定付款卡应用的运行环境是移动终端设备的确定方式包括但不限于以下5个步骤：
1、收款终端向付款卡应用发送SELECT NG-SE指令；
2、付款卡应用向收款终端发送SELECT NG-SE响应，该SELECT NG-SE响应中包括第一指示信息，该第一指示信息用于指示该付款卡应用的运行环境为移动终端设备；
3、付款卡应用与收款终端之间基于EMVCo或PBOC标准进行其他的非接交易流程；
4、收款终端进行交易处理，确定交易成功；
5、收款终端检测SELECT NG-SE响应中包含用于指示付款卡应用的运行环境为移动终端设备的第一指示信息，确定该付款卡应用的运行环境是移动终端设备。
现有的EMVCo/PBOC非接支付标准是两大标准组织针对智能卡片制定的，在业务能力和流程上比较限定。例如，近距离支付***环境(Proximity Payment System Environment，PPSE)是EMVCo和PBOC标准中定义的近场支付执行环境，其中主要包括支付端支持的AID List(顺序代表优先级)。
为了顺应支付产业的发展，特别是运行于移动终端设备的付款卡应用的出现(即支付端在计算能力上有较大提升)，EMVCo提出了NG Architecture和NG SE的概念,在EMVCo发布的Next Gen Architecture Overview1.0文档中，对于NG SE的描述中，介绍了NG SE的特征是可以包括从最基本的信息到更多种类的信息，以支撑从传统的支付应用到各种新型的支付需求。对于NG SE中可以包括哪些信息，没有给出限定，仅给一些示例，如：金额、是否支持离线交易等。本发明实施例提出在NG SE响应中携带用于指示该付款卡应用的运行环境为移动终端设备的第一指示信息。
具体可选的，收款终端向付款卡应用发送SELECT NG-SE，并接收付款卡应用返回的SELECT NG-SE Response，所述SELECT NG-SE Response中可能包含指示付款卡应用的运行环境是移动终端设备的第一指示信息。
收款终端根据SELECT NG-SE Response中是否包含第一指示信息，判断付款卡应用的运行环境是实体卡或者移动终端设备。比如SELECT NG-SE Response中如果包含第一指示信息，则确定该付款卡应用的运行环境是移动终端设备；若该SELECT NG-SE Response中不包含该第一指示信息，则确定该付款卡应用的运行环境是实体卡。或者，若该付款卡应用的运行环境是实体卡，该SELECT NG-SE Response中可以包含用于指示该付款卡应用的运行环境是实体卡的指示信息，收款终端可以根据SELECT NG-SE Response中包含用于指示该付款卡应用的运行环境是实体卡的指示信息，确定该付款卡应用的运行环境是实体卡。
作为第三种可选的实施方式，请参照图4所示，本实施方式中确定付款卡应用的运行环境是移动终端设备的确定方式包括但不限于以下6个步骤：
1、付款卡应用与收款终端之间基于EMVCo标准或PBOC标准交易流程进行交易；
2、付款终端获得付款卡应用的账号PAN，并进行交易处理；
3、收款终端与发卡行服务器建立数据连接，并发送交易授权请求，该交易授权请求中包含付款卡应用的账号PAN；
4、发卡行服务器根据PAN，确定付款卡应用的运行环境是移动终端设备或者实体卡；
5、若发卡行服务器确定付款卡应用的运行环境是移动终端设备，发卡行服务器向收款 终端返回交易授权指示，该交易授权指示中包括第二指示信息，该第二指示信息用于指示该付款卡应用的运行环境是移动终端设备；
若发卡行服务器确定付款卡应用的运行环境是实体卡，发卡行服务器向收款终端返回交易授权指示，该交易授权指示中包括第三指示信息，该第三指示信息用于指示该付款卡应用的运行环境是实体卡；
6、收款终端接收发卡行服务器返回的交易授权指示，并根据交易授权指示中的第二指示信息，确定付款卡应用的运行环境是移动终端设备，或者，根据交易授权指示中的第三指示信息，确定付款卡应用的运行环境是实体卡。
可选的，付款卡应用与收款终端之间，基于EMVCo/PBOC标准进行交易处理，收款终端获取付款卡应用的标识，发卡行服务器存储了付款卡应用的标识与运行环境之间的对应关系，因此发卡行服务器可以根据付款卡应用的标识，确定该付款卡应用的运行环境。
可选的，该标识可以是付款卡应用的个人账户号码PAN。需要说明的是，若该付款卡应用的运行环境为移动终端设备，收款终端所获取的该付款卡应用的个人账户号码PAN的值与该付款卡应用所添加的银行卡的PAN的值不同。若该付款卡应用的运行环境为实体卡，收款终端所获取的该付款卡应用的个人账户号码PAN的值即是该付款卡应用所运行的实体卡的个人账户号码PAN。
发卡行服务器存储了各个PAN与运行环境之间的对应关系，比如，PAN1是银行卡的个人账户号码，而PAN2是将该银行卡添加至移动终端的付款卡应用后的个人账户号码，发卡行服务器即存储PAN1对应的运行环境是实体卡，PAN2对应的运行环境是移动终端设备。当移动终端设备的付款卡应用采用该银行卡进行支付时，收款终端获取的个人账户号码是PAN2，当使用实体卡进行支付时，收款终端获取的个人账户号码是PAN1。因此发卡行服务器可以根据收款终端上传的付款应用的个人账户号码对付款卡应用的运行环境进行区分。
具体可选的，收款终端向发卡行服务器发送交易授权请求，所述交易授权请求中包含所获取的付款卡应用的个人账户号码，进一步该交易授权请求还可以包含收款终端支持处理电子支付凭证信息的指示。发卡行服务器进行交易处理，确定交易有效；并根据付款卡应用的个人账户号码，确定付款卡应用的运行环境是移动终端设备或者实体卡，进一步可选的，该发卡行服务器还可能获取预留的与该付款卡应用的个人账户号码绑定的email地址。发卡行服务器将交易授权指示发送给收款终端，若发卡行服务器确定付款卡应用的运行环境是移动终端设备，则交易授权指示中包含用于指示付款卡应用的运行环境是移动终端设备的第二指示信息。若发卡行服务器确定付款卡应用的运行环境是实体卡，则交易授权指示中包含用于指示付款卡应用的运行环境是实体卡的指示信息。进一步可选的，该交易授权指示中还可以包括发卡行服务器所获取的email地址。
收款终端可以使用上述三种可选的实施方式中的一种或多种来确定付款卡应用的运行环境是移动终端设备或者实体卡。
针对不同的确定结果，收款终端可以采用不同的处理方式对支付凭证信息进行处理：
可选的，如果收款终端确定付款卡应用的运行环境是移动终端设备，则生成电子支付凭证信息(e-Receipt)并发送给移动终端设备。
可选的，收款终端可以是第二通信技术将该支付凭证信息发送至与该付款卡应用的个人账户号码绑定的账号，比如即时通讯账号，手机号码，或者email地址等等，第二通信技术包括但不限于蜂窝通信技术、有线通信技术、无线局域网Wi-Fi技术中等等；和/或，
该收款终端也可以通过第一通信技术将付款卡应用的支付凭证信息发送给移动终端设备，该第一通信技术可以是短距离通信技术，比如，该第一通信技术为近场通信(Near Field Communication，NFC)技术、蓝牙技术等等。可选的，收款终端在通过短距离通信技术将支付凭证信息发送至移动终端设备的时，还可以通过email的方式向与该付款卡应用的个人账户号码绑定的email地址发送一份支付凭证信息。其中，与该付款卡应用的个人账户号码绑定的email地址可以通过向与收款终端对应的收款端服务器查询得到；或者，与该付款卡应用的个人账户号码绑定的email地址也可以通过移动终端设备得到，比如在移动终端设备向收款终端返回的SELECT NG-SE Response中携带该email地址；或者，用户也可以当场在收款终端输入email地址，收款终端将该email地址上传至收款端服务器，收款端服务器存储该付款卡应用的个人账户号码与该email地址之间的对应关系。
具体可选的，收款终端基于NFC技术，将付款卡应用的支付凭证信息发送给移动终端设备的发送方式可以包括但不限于以下可选实施方式：
a.收款终端作为读卡器，将e-Receipt发送给移动终端设备；或者，
b.收款终端与移动终端设备中断当前连接，重新建立点到点(Point to Point，P2P)连接并将e-Receipt发送给移动终端设备；或者，
c.收款终端与移动终端设备中断当前连接，并由收款终端将e-Receipt作为Tag模拟内容，由移动终端设备作为读卡器读取。
可选的，收款终端也可以与移动终端设备之间基于NFC技术交互目标承载连接的切换信息，并基于所述切换信息重新建立与所述移动终端设备之间的目标承载连接，收款终端通过所述目标承载连接将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述目标承载连接为除所述NFC外的短距离通信连接。
比如，目标承载连接为蓝牙连接，收款终端与移动终端设备之间交互蓝牙连接的切换信息，并基于该切换信息建立收款终端与移动终端设备之间的蓝牙连接，将e-Receipt通过所建立的蓝牙连接发送给移动终端设备。
可选的，如果收款终端确定付款卡应用的运行环境是实体卡，则可以输出选择信息，该选择信息用于提示用户选择对该付款卡应用的支付凭证信息进行处理的处理方式，比如所述选择信息用于提示用户选择纸质支付凭证和/或电子支付凭证。
用户可以针对该选择信息进行选择，收款终端获取用户针对该选择信息的选择指令，并确定与该选择指令对应的处理方式。比如，若检测到用户选择纸质支付凭证的选择指令时，所述收款终端打印所述付款卡的支付凭证信息；若检测到用户选择电子支付凭证的选择指令时，所述收款终端通过第二通信技术将所述付款卡的支付凭证信息发送至与所述实体卡绑定的接收账号，比如email地址；若检测到用户选择电子支付凭证和纸质支付凭证的选择指令时，所述收款终端打印所述付款卡的支付凭证信息，同时将所述付款卡的支付凭证信息通过第二通信技术发送至与所述实体卡绑定的接收账号。
上述第二通信技术包括但不限于蜂窝通信技术、有线通信技术、无线局域网(Wireless  Fidelity，Wi-Fi)技术中等等。
本发明实施例中，收款终端与付款卡应用之间进行交易处理时，收款终端获取付款卡应用的交易信息，收款终端进一步根据交易信息，确定付款卡应用的运行环境是移动终端设备，该收款终端通过短距离通信技术将付款卡应用的支付凭证信息发送给移动终端设备，这种方式在确定付款卡应用的运行环境是移动终端设备时，则说明用户携带移动终端设备，收款终端默认将付款卡应用的支付凭证信息发送给移动终端设备，方便用户管理以及查看，并且通过短距离通信技术发送至移动终端设备的发送方式不需要依赖于网络覆盖，适用范围广。
上述详细阐述了本发明实施例的方法，下面提供了本发明实施例的装置。
参阅图5和图6，为本发明实施例提供的支付处理装置的结构示意图，本发明实施例的支付处理装置可以应用于图1的方法实施例中。
如图5所示，该支付处理装置可包括：获取单元101、处理单元102、发送单元103，其中：
获取单元101，可用于执行以上方法中所描述的收款终端所执行的接收动作；
发送单元102，可用于执行以上方法中所描述的收款终端所执行的发送动作；
处理单元103，可用于对获取单元101所接收的交易信息进行以上方法所描述的相应的处理，和/或，对发送单元102所要发送的支付凭证信息进行以上方法所描述的相应的处理并通过所述发送单元102发送所述支付凭证信息。
其中，获取单元101和发送单元102可以采用图6中的收发器1001实现，处理单元103可以采用处理器1002实现，或者，采用处理器1002和存储器1003实现。
具体细节，可以参考以上方法中的描述，在此不予赘述。
比如，获取单元101，用于收款终端获取付款卡应用的交易信息；
处理单元103，用于根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备；
发送单元102，用于通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述第一通信技术包括短距离通信技术。
对应的，如图6所示，为本发明实施例提供的另一种支付处理装置的结构示意图，该支付处理装置可包括：收发器1001和处理器1002。处理器1002用于控制该装置的操作，包括通过收发器1001进行数据的传输(包括接收和/或发送)。进一步的，还可以包括存储器1003，存储器1003可以包括只读存储器和随机存取存储器，用于向处理器1002提供指令和数据。存储器1003可以集成于处理器1002中，也可以独立于处理器1002。存储器1003的一部分还可以包括非易失行随机存取存储器(NVRAM)。该装置的各个组件通过总线***耦合在一起，其中总线***1009除包括数据总线之外，还包括电源总线、控制总线和状态信号总线。但是为了清楚说明起见，在图中将各种总线都标为总线***1009。
本申请实施例揭示的流程可以应用于处理器1002中，或者由处理器1002实现。在实现过程中，该装置实现的流程的各步骤可以通过处理器1002中的硬件的集成逻辑电路或者软件形式的指令完成。处理器1002可以是通用处理器、数字信号处理器、专用集成电路、 现场可编程门阵列或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件，可以实现或者执行本申请实施例中公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者任何常规的处理器等。结合本申请实施例所公开的方法的步骤可以直接体现为硬件处理器执行完成，或者用处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器1003，处理器1002读取存储器1003中的信息，结合其硬件完成本发明实施例指示流程的步骤。
进一步的，当所述装置为收款终端时，还可以进一步包括输入设备，如键盘，输出设备，如显示屏等结构，在此不予赘述。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，该流程可以由计算机程序来指令相关的硬件完成，该程序可存储于计算机可读取存储介质中，该程序在执行时，可包括如上述各方法实施例的流程。而前述的存储介质包括：ROM或随机存储记忆体RAM、磁碟或者光盘等各种可存储程序代码的介质。

Claims (14)

  1. 一种支付处理方法，其特征在于，包括：
    收款终端获取付款卡应用的交易信息；
    所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备；
    所述收款终端通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述第一通信技术包括短距离通信技术。
  2. 如权利要求1所述的方法，其特征在于，所述收款终端通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，包括：
    所述收款终端基于近场通信NFC技术，将所述付款卡应用的支付凭证信息发送给所述移动终端设备；或者，
    所述收款终端基于NFC技术交互目标承载连接的切换信息，并基于所述切换信息重新建立与所述移动终端设备之间的所述目标承载连接，通过所述目标承载连接将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述目标承载连接为除所述NFC外的短距离通信连接。
  3. 如权利要求1或2所述的方法，其特征在于，所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备，包括：
    所述收款终端检测所述交易信息中是否包括至少一种关键信息，所述关键信息的种类包括：用于指示所述付款卡应用支持终端持卡人验证方法的指示信息、用于指示所述付款卡应用成功通过终端持卡人验证的指示信息以及所述付款卡应用的个人账户号码中符合预设编码规则的数字信息；
    若所述交易信息中包括至少一种所述关键信息，所述收款终端确定所述付款卡应用的运行环境是移动终端设备。
  4. 如权利要求1或2所述的方法，其特征在于，所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备，包括：
    所述收款终端检测所述交易信息中是否包括第一指示信息，所述第一指示信息用于指示所述付款卡应用的运行环境是移动终端设备；
    若所述交易信息中包括所述第一指示信息，所述收款终端确定所述付款卡应用的运行环境是移动终端设备。
  5. 如权利要求1或2所述的方法，其特征在于，所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备，包括：
    所述收款终端从所述交易信息中获取所述付款卡应用的标识；
    所述收款终端将所述付款卡应用的标识上传至服务器，以使所述服务器根据所述付款卡应用的标识确定所述付款卡应用的运行环境是移动终端设备；
    所述收款终端接收所述服务器返回的第二指示信息，所述第二指示信息用于指示所述付款卡应用的运行环境是移动终端设备。
  6. 如权利要求1所述的方法，其特征在于，所述方法还包括：
    所述收款终端根据所述交易信息，确定所述付款卡应用的运行环境是实体卡；
    所述收款终端对所述付款卡应用的支付凭证信息进行处理；
    其中，所述收款终端对所述付款卡应用的支付凭证信息进行处理，包括：
    所述收款终端打印所述付款卡应用的支付凭证信息；和/或，
    所述收款终端将所述付款卡应用的支付凭证信息通过第二通信技术发送至与所述实体卡绑定的接收账号，所述第二通信技术包括蜂窝通信技术、有线通信技术、无线局域网Wi-Fi技术中的任意一种。
  7. 如权利要求6所述的方法，其特征在于，所述收款终端对所述付款卡应用的支付凭证信息进行处理之前，所述方法还包括：
    所述收款终端输出选择信息，所述选择信息用于指示用户选择对所述付款卡应用的支付凭证信息进行处理的处理方式；
    所述收款终端获取针对所述选择信息的选择指令，并确定与所述选择指令对应的处理方式。
  8. 一种支付处理装置，其特征在于，包括：
    获取单元，用于获取付款卡应用的交易信息；
    处理单元，用于根据所述交易信息，确定所述付款卡应用的运行环境是移动终端设备；
    发送单元，用于通过第一通信技术将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述第一通信技术包括短距离通信技术。
  9. 如权利要求8所述的方法，其特征在于，所述发送单元具体用于基于近场通信NFC技术，将所述付款卡应用的支付凭证信息发送给所述移动终端设备；或者，
    基于NFC技术交互目标承载连接的切换信息，并基于所述切换信息重新建立与所述移动终端设备之间的所述目标承载连接，通过所述目标承载连接将所述付款卡应用的支付凭证信息发送给所述移动终端设备，所述目标承载连接为除所述NFC外的短距离通信连接。
  10. 如权利要求8或9所述的装置，其特征在于，所述处理单元具体用于检测所述交易信息中是否包括至少一种关键信息，所述关键信息的种类包括：用于指示所述付款卡应用支持终端持卡人验证方法的指示信息、用于指示所述付款卡应用成功通过终端持卡人验证的指示信息以及所述付款卡应用的个人账户号码中符合预设编码规则的数字信息；
    若所述交易信息中包括至少一种所述关键信息，确定所述付款卡应用的运行环境是移动终端设备。
  11. 如权利要求8或9所述的装置，其特征在于，所述处理单元具体用于检测所述交易信息中是否包括第一指示信息，所述第一指示信息用于指示所述付款卡应用的运行环境是移动终端设备；
    若所述交易信息中包括所述第一指示信息，确定所述付款卡应用的运行环境是移动终端设备。
  12. 如权利要求8或9所述的装置，其特征在于，所述处理单元具体用于从所述交易信息中获取所述付款卡应用的标识；
    将所述付款卡应用的标识上传至服务器，以使所述服务器根据所述付款卡应用的标识确定所述付款卡应用的运行环境是移动终端设备；
    接收所述服务器返回的第二指示信息，所述第二指示信息用于指示所述付款卡应用的运行环境是移动终端设备。
  13. 如权利要求8所述的装置，其特征在于，所述处理单元还用于根据所述交易信息，确定所述付款卡应用的运行环境是实体卡，并对所述付款卡应用的支付凭证信息进行处理；
    其中，所述处理单元对所述付款卡应用的支付凭证信息进行处理，包括：
    打印所述付款卡应用的支付凭证信息；和/或，
    将所述付款卡应用的支付凭证信息通过第二通信技术发送至与所述实体卡绑定的接收账号，所述第二通信技术包括蜂窝通信技术、有线通信技术、无线局域网Wi-Fi技术中的任意一种。
  14. 如权利要求13所述的装置，所述处理单元对所述付款卡应用的支付凭证信息进行处理之前，所述处理单元还用于输出选择信息，所述选择信息用于指示用户选择对所述付款卡应用的支付凭证信息进行处理的处理方式；
    获取针对所述选择信息的选择指令，并确定与所述选择指令对应的处理方式。
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