NFC (near field communication) mobile terminal and payment method

[0019] In view of the problems existing in the prior art, the embodiment of the present invention considers using NFC (Near Field Communication, Near Field Communication or Near Field Communication) technology. It is evolved from the integration of non-RFID (Radio Frequency Identify, radio frequency identification) and interconnection technologies, combining inductive card readers, inductive cards and point-to-point communication functions on a single chip. NFC technology also utilizes wireless frequency electromagnetic induction coupling. NFC technology became the ISO/IECIS 18092 international standard in 2002, and has since been approved as the EMCA-340 standard and the ETSI TS102 190 standard. In a short distance, multiple devices with NFC communication function can identify each other and exchange data. The NFC chip that realizes the NFC communication function can be built in various communication devices, such as built in a mobile communication terminal. The mobile communication terminal at this time can be called an NFC mobile communication terminal; more specifically, it can be built in a mobile phone. Called NFC phone. The present invention utilizes the NFC short-range communication function of the NFC mobile communication terminal and the original cellular or wireless local area network wireless communication function of the mobile terminal to realize electronic payment.

[0020] Typically, the current NFC adopts the international standard ISO/IEC18092, uses the 13.56MHz frequency band for communication, and the data transmission speed is 106kbit/s (bits/second), 212kbit/s or 424kbit/s. The ISO refers to the International Organization for Standardization; the ICE refers to the International Electro technical Commission (International Electro technical Commission).

[0021] Specifically, the embodiment of the present invention uses NFC communication to transmit account information, avoiding the links of swiping a card on a POS terminal and manually entering a password, reducing the possibility of account and password information leakage, and improving security; When the payer's mobile terminal is offline with the transaction system, insufficient balance, consumption limit, etc., and cannot make online real-time payment, the electronic check payment method is provided, which improves the flexibility of payment, which is beneficial to improve payment efficiency and improve payment experience satisfaction .

[0022] The present invention will be described in detail, clearly and completely below in conjunction with the drawings and specific embodiments. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0023] figure 1 It is a scene diagram of the NFC mobile terminal payment of the present invention. figure 1 Describes the flow chart of payment between an NFC mobile terminal and another NFC mobile terminal, NFC POS terminal or NFC reader. The NFC reader may also be called an NFC reader, which is used to read NFC information from an NFC tag, and the NFC information may include billing information. A typical NFC reader is the NFC mail reader in the logistics field. In order to distinguish the above two NFC mobile terminals, they may be referred to as a first NFC mobile terminal and a second NFC mobile terminal, respectively. It should be noted that the "first" and "second" in this application document and elsewhere in the full text of this application are only for the purpose of distinguishing the two NFC mobile terminals in terms of name, and there is no difference between the two NFC The mobile terminal plays other limiting roles. From figure 1 It can be seen that the payment process specifically involves the first NFC mobile terminal, NFC reader or NFC POS terminal 100, the second NFC mobile terminal 102, and the transaction system 104. The transaction system may be a bank transaction system, a UnionPay transaction system, a third-party payment institution transaction system, the People's Bank of China micropayment system, the People's Bank of China online payment inter-bank clearing system, Diners Club (Diners Club) clearing system, Japan Credit Bureau JCB (Japan Credit Bureau) clearing system, American Express AE (American Express) clearing system, MasterCard MASTER clearing system or Visa VISA clearing system, of course, can also be other clearing systems that can complete payment/transfer and other services. Make a limit. The third-party payment institution transaction system is a transaction support platform provided by third-party independent institutions that have signed contracts with major foreign banks in the country where the product is located and have certain strength and reputation protection. In a transaction through a third-party payment platform, after the buyer purchases goods, he uses the account provided by the third-party platform to pay for the goods, and the third party informs the seller of the arrival of the payment and delivers the goods; after the buyer inspects the goods, he can notify the seller to pay , The third party then transfers the money to the seller’s account.

[0024] The general payment process is: when the user needs to pay or transfer a certain amount of cash or expenses for consumption, donation, borrowing or other reasons, the first NFC mobile terminal, NFC reader or NFC POS terminal 100 passes through NFC, etc. The receiving account number and the amount payable are sent to the second NFC mobile terminal 102; after the second NFC mobile terminal 102 receives the receiving account number and the amount due, the account (referred to as the payment account) and password (if a password is used) will be used for payment ) Is sent to the transaction system 104. The payment account and password can be pre-stored or entered on the spot, and the password is only an option and may not be used, that is, if necessary, only the payment The account number is sent to the transaction system 104. Moreover, the password can be a digital password, a character password, a combination of numbers and characters, a fingerprint or iris and other biometric information passwords, or even other types of passwords, which are not limited here; the transaction system 104 controls the After the account and password are verified, the corresponding amount is deducted from the account, and the deducted amount is transferred to the receiving account. The transaction system 104 may also directly or indirectly send a message indicating successful payment to the first NFC mobile terminal, NFC reader or NFC POS terminal 100, and/or to the second NFC mobile terminal . One of the indirect methods is that the transaction system 104, after processing the corresponding payment service, informs the customer service system of the payment success or failure result, failure reason, etc., and the customer service system sends a message indicating the success or failure of the payment to the first An NFC mobile terminal, NFC reader or NFC POS terminal 100, and/or sent to a second NFC mobile terminal. Optionally, the failure reason may also be included in the message indicating that the payment failed. Specifically, when all or part of the payment amount cannot be deducted due to insufficient amount, consumption limit or other reasons, the transaction system will send a payment failure message. The payment failure message contains specific failure reasons: insufficient amount, consumption Limit of quota or other reasons mentioned. Optionally, the message sent to the second NFC mobile terminal 102 can also be forwarded after being received from the transaction system 104 by the first NFC mobile terminal, NFC reader or NFC POS terminal 100, or vice versa, not done here. limited.

[0025] It should be noted that there are also cases where payment fails because the second NFC mobile terminal 102 is offline with the transaction system. At this time, due to offline (that is, the communication link between the second NFC mobile terminal and the transaction system/ The network is blocked), obviously the transaction system cannot receive the payment account, the receiving account, and the amount due equal to the information related to the payment request, so it is impossible to perform related payment operations, and it is impossible to send a payment indicating successful payment or The message of failure. In this case, the second NFC mobile terminal may judge the payment failure according to a judgment rule, and the rule may be: no message indicating payment failure or success sent by the transaction system is received within the first time threshold. The judgment rule may be preset in the second NFC mobile terminal. According to the judgment rule, it can be judged that the second NFC mobile terminal and the transaction system are offline at this time, resulting in payment failure. In order to strengthen the scientific nature of the judgment rule, prevent transactions when actually online due to unexpected reasons (that is, the communication link/network between the second NFC mobile terminal and the transaction system is actually unblocked at the time of the transaction) The message sent by the system indicating payment failure or success was lost in the middle and was misjudged as offline. The transaction system can be set: for the same payment, at least two or more messages indicating payment failure or success should be sent. The first time threshold may be 1 minute, half a minute, or other length of time, which is not limited here. It should be noted that the first of the first time thresholds is just to give a name to the time threshold and has no other specific meaning. Therefore, those skilled in the art can understand the first time threshold as a certain time threshold. .

[0026] In addition, after the second NFC mobile terminal 102 receives a message indicating that the payment has failed or determines that the second NFC mobile terminal is offline with the transaction system, which causes the payment to fail, it will generate an electronic check with a denomination equal to the amount payable and send the electronic check Sent to the first NFC mobile terminal, NFC POS terminal or NFC reader as the payee via NFC, Bluetooth, ZIGBEE, infrared, WIFI (Wireless Fidelity, wireless fidelity or wireless compatibility authentication), etc. Taker. Optionally, the first NFC mobile terminal, NFC POS terminal or NFC reader as the payee may have an electronic check payment module with an electronic check verification function built-in or plug-in, with the help of the electronic check payment module, The payee can verify the authenticity of the received electronic check and display information such as the amount and expiration date of the electronic check. The receiver can send the electronic check to the transaction system or other electronic check redemption institutions for redemption at any time before the validity period. Therefore, the real-time dependence on the online connection of the network path between the payee and the transaction system during the transaction is reduced. To explain in another way, if at a certain moment, the network communication link between the second NFC mobile terminal, which is the payer or the payer, and the transaction system is temporarily blocked, so that cash transfer to the payee cannot be performed in real time, then this At this time, the payer can issue the corresponding e-check to the payee. After receiving the e-check, the payee can consider that the payer has spent it after confirming that the e-check is true and the denomination is equal to the amount payable. The payment obligation, at this time, the paying party can leave the transaction place without waiting for the network to resume communication at the transaction place in order to try to perform online/real-time cash transfer payment again, thereby avoiding time waste. At any time before the validity period of the electronic check, the payee can submit and rede the electronic check as long as the communication link between it and the transaction system or other electronic check redemption institutions is unblocked. For the payee, there is no actual loss other than the failure to obtain online cash income in time. Finally, it should be noted that the validity period of the above e-check can be a limited period, such as 1 month, 2 months, etc., or it can be permanently valid, and the validity period may not even be marked in the e-check. At this time, accordingly, The transaction system or other e-check redemption parties will default to the validity period of such e-check as permanent.

[0027] Figure 2A It is a schematic diagram of the structure of the NFC mobile terminal of the present invention. From Figure 2A It can be seen that the NFC mobile terminal includes: a collection account information receiving module 200 for receiving billing information from an NFC point-of-sale POS terminal, an NFC reader, or the first NFC mobile terminal through NFC communication, so The billing information includes the amount payable and one or more account numbers used to receive the amount payable; the payment information submission module 202 is used to select an account from the one or more account numbers used to receive the amount payable as the receiving account number, Select an account from one or more accounts used for payment as the payment account, and send the amount due, the collection account, and the payment account to the bank transaction system, UnionPay transaction system, third-party payment institution transaction system, and people Bank micropayment system, PBC online payment inter-bank clearing system, Diners Club DC clearing system, Japan Credit Bureau JCB clearing system, American Express AE clearing system, MasterCard MASTER clearing system or Visa VISA clearing system; payment result receiving module 204. Used to receive information indicating payment success or failure, and also used to determine the NFC when receiving information indicating payment failure or because no information indicating payment success or failure is received within the first time threshold Mobile terminal and bank transaction system, UnionPay transaction system, third-party payment institution transaction system, PBC micro-payment system, PBC online payment inter-bank clearing system, Diners Club DC clearing system, Japan Credit Bureau JCB clearing system, American Express AE When the clearing system, the MASTER clearing system or the Visa VISA clearing system is offline and the payment fails, an electronic check payment notification is issued; the electronic check payment module 206 is used to generate an electronic check with a denomination equal to the amount payable when the notification is received , And send the electronic check to the NFC point-of-sale POS terminal, NFC reader or the first NFC mobile terminal. The sending can be based on NFC, Bluetooth, ZIGBEE, wireless fidelity WIFI, infrared and other communication methods.

[0028] It should be noted that for the above "select an account from the one or more accounts used to receive the amount due as the receiving account", if the selected basis is only one account, then only that account can be selected; if you select The basis is multiple accounts, then any one of the multiple accounts can be selected as the collection account.

[0029] Preferably, the NFC mobile terminal further includes an invoice header information sending module 208 for sending the header information of the invoice to be issued to the first NFC mobile terminal, NFC POS terminal or NFC reader. The schematic diagram of the NFC mobile terminal at this time is as follows Figure 2B Shown. The header information may be the name of the unit or "individual", or the name of a specific individual, or other content desired by the payer, which is not limited here.

[0030] Further preferably, the NFC mobile terminal further includes: a prompt information receiving module 210, configured to receive points, vouchers, coupons or other promotion information sent by the first NFC mobile terminal, NFC POS terminal or NFC reader . At this time, the NFC mobile terminal such as Figure 2C Shown. The user can participate in activities such as redemption of prizes by using the points, and the vouchers can be used in consumption or purchase activities to enjoy the cash payment deduction promised by the vouchers, and the coupons can be used in consumption or purchase activities. Enjoy discounts and other concessions.

[0031] Regarding the "payment information submission module 202, it is used to select an account from the one or more accounts for receiving the due amount as the receiving account, and to select an account from the one or more accounts for payment as the Payment account number, and send the said payable amount, collection account number, and payment account number to the bank transaction system, UnionPay transaction system, third-party payment institution transaction system, PBC micropayment system, PBC online payment inter-bank clearing system, and large Arrival card DC settlement system, Japan Credit Bureau JCB settlement system, American Express AE settlement system, MasterCard MASTER settlement system or Visa VISA settlement system", it is necessary to explain the "one or more accounts used for payment" and All accounts involved in "one or more accounts for receiving the amount due" can be pre-stored or entered on the spot. In addition, it should also be noted that "send the said amount due, collection account number, and payment account number to the bank transaction system, UnionPay transaction system, third-party payment institution transaction system, People’s Bank of China micropayment system, People’s Bank of China online Payment inter-bank clearing system, Diners Club DC clearing system, Japan Credit Bureau JCB clearing system, American Express AE clearing system, MasterCard MASTER clearing system or Visa VISA clearing system" can be specifically as follows: the said payable amount, collection The account number, payment account number, and payment password corresponding to the payment account number are sent to the bank transaction system, the UnionPay transaction system, the third-party payment institution transaction system, the People's Bank of China small payment system, the People's Bank of China online payment inter-bank clearing system, and Diners Club DC Clearing system, Japan Credit Bureau JCB clearing system, American Express AE clearing system, Master Card clearing system or Visa VISA clearing system. That is, increase the use of payment passwords, which is done to improve security. The payment password is entered by the user on the spot or selected by the user from one or more payment passwords stored in advance, which is not limited here.

[0032] In an example, the payment password is a digital password, a character password, a digital and character mixed password, a password for avatar information, a password for biometric information such as eye iris or fingerprints. Optionally, the application process of the fingerprint information is as follows: the fingerprint of the paying party is entered on the spot through the fingerprint entry module on the on-site NFC POS terminal or NFC reader and compared with the fingerprint preset in the NFC mobile terminal Correct. A consistent comparison indicates that the password verification is successful, otherwise, it is unsuccessful. The avatar information or iris information can be obtained through a camera/camcorder, and the camera/camcorder can be built in an NFC mobile terminal.

[0033] In an example, the account number/receiving account number/payment account number is a bank account number or a third-party payment institution account number. The bank account number is a bank card number, a personal passbook account number, or an enterprise account number, or an account number recognized by other banks as a deposit and withdrawal voucher, which is not limited here.

[0034] In one example, the third-party payment institution account is an Alipay account. It should be noted that there are currently hundreds of third-party payment institution accounts. In addition to the Alipay accounts, they can also be Shengpay, Tenpay, Kuaiqian, UnionPay electronic payment, etc. These third-party payment institution accounts are actually accounts with the nature of a guarantor to ensure user payment security.

[0035] In an example, the third-party payment server is an Alipay server. It should be noted that there are currently hundreds of third-party payment servers. In addition to the Alipay server, it can also be a NetEase server, Tenpay server, Anpay server, Baipay server, etc. These third-party payment servers are actually used to manage the aforementioned third-party payment institution accounts with the nature of the guarantor to ensure user payment security.

[0036] In an example, the NFC mobile terminal is an NFC mobile phone, NFC PDA (Personal Data Assistant), NFC mobile POS terminal, NFC mobile reader or desktop computer with NFC communication function, PAD (tablet computer) ) Or laptop. Of course, it is not limited to these. For example, mobile terminals embedded with NFC chips/interphones with NFC communication functions should also be within its coverage.

[0037] It should be particularly noted that the advantage of “selecting an account from the stored one or more accounts used for payment as the payment account” above is that it gives the payer more options, because the payer is allowed to choose from them. It is possible for them to choose their favorite transaction system (such as a bank or a third-party payment institution). In addition to this improvement in perception, it may also bring actual benefits to the payer, for example, if the payer can If you choose an account that belongs to the same transaction system (such as a bank or a third-party payment institution) as your payment account, you will often save part or all of the transaction fees.

[0038] Finally, it should be noted that when the electronic check payment module 206 receives the electronic check payment notification, the electronic check is generated according to the electronic check generation software preset in the electronic check payment module 206. The electronic check The generation software is issued or provided by the bank or other electronic check payment platform. After the NFC mobile terminal is registered in a bank or other electronic check payment platform, the electronic check generation software can be obtained from the bank or other electronic check payment platform. In an example, the electronic check payment notification includes one or more of the following: a ticketing order, an amount payable, an e-check validity period, a payment account number, and a collection account number. The electronic check generation software starts the electronic check generation process according to the ticket issuing command, generates the denomination of the electronic check according to the amount payable, and generates the validity period of the electronic check according to the validity period of the electronic check.

[0039] Figure 3A It is a schematic diagram of another NFC mobile terminal of the present invention. From Figure 3A It can be seen that the NFC mobile terminal includes: a collection account information providing module 300, which is used to send the payable amount and one or more account information for receiving the payable amount to the second NFC mobile terminal; the payment result receiving processing module 302 uses To receive information indicating the success or failure of the payment.

[0040] Optionally, it also includes: when receiving the information indicating the failure of the payment or because it has not received any information indicating the success or failure of the payment within the first time threshold, it is determined that the payment fails due to the offline of the transaction system, through NFC, The communication method of Bluetooth, Zigbee, infrared or wireless fidelity WIFI sends an electronic check payment reminder notification to the second NFC mobile terminal receiving the bill information to remind the second NFC mobile terminal that the current online cash transfer is unsuccessful , You can use e-check to pay instead.

[0041] Preferably, the NFC mobile terminal further includes: an invoice header information receiving module 304, configured to receive the header information of the invoice to be issued from the second NFC mobile terminal. The schematic diagram of the NFC mobile terminal at this time is as follows Figure 3B Shown.

[0042] Further preferably, the NFC mobile terminal further includes: a prompt information sending module 306, configured to send points, vouchers, coupon information or other promotion information to the second NFC mobile terminal. The schematic diagram of the NFC mobile terminal at this time is as follows Figure 3C Shown.

[0043] In an example, the account number is a bank account number or a third-party payment institution account number.

[0044] In one example, the third-party payment institution account is an Alipay account. The account of the third-party payment institution may also be another account, which can be referred to the foregoing description, and will not be repeated here.

[0045] In an example, the third-party payment server is an Alipay server. The third-party payment server may also be other servers, which can be referred to the foregoing description, and will not be repeated here.

[0046] In an example, the NFC mobile terminal is an NFC mobile phone, an NFC personal digital assistant, an NFC mobile POS terminal, an NFC mobile reader, or a desktop computer or notebook computer with NFC communication function. The NFC mobile terminal may also be other mobile terminals. For details, please refer to the foregoing description, which will not be repeated here.

[0047] Figure 4 It is a flowchart of a payment method according to an embodiment of the present invention, and the method includes:

[0048] Step 400, receiving billing information through NFC;

[0049] Specifically, the billing information is received from the NFC point of sale POS terminal, the NFC reader or the first NFC mobile terminal through NFC communication, the billing information includes the amount payable and one or more account numbers for receiving the amount payable.

[0050] Step 402: Send settlement-related information to the transaction system;

[0051] Specifically: select an account from one or more accounts for receiving the amount due as the receiving account, select an account from one or more accounts for payment as the payment account, and set the amount due, Receiving account number and payment account number are sent to the bank transaction system, UnionPay transaction system, third-party payment institution transaction system, PBC micropayment system, PBC online payment inter-bank clearing system, Diners Club DC clearing system, Japan Credit Bureau JCB clearing System, American Express AE clearing system, MasterCard MASTER clearing system or Visa VISA clearing system.

[0052] Step 404, receiving payment result information, and sending an e-check payment request when the payment fails;

[0053] Specifically: receiving information indicating the success or failure of the payment, and when receiving the information indicating the failure of the payment or because no information indicating the success or failure of the payment is received within the first time threshold, it is determined that the NFC mobile terminal is Bank transaction system, UnionPay transaction system, third-party payment institution transaction system, PBC micropayment system, PBC online payment inter-bank clearing system, Diners Club DC clearing system, Japan Credit Bureau JCB clearing system, American Express AE clearing system, When the payment fails due to the offline of the MasterCard clearing system or Visa VISA clearing system, an electronic check is made.

[0054] Preferably, the sending the amount due, the receiving account, and the payment account to the transaction system specifically includes: sending the amount due, the receiving account, the payment account, and the payment password corresponding to the payment account To the trading system. That is, increase the use of payment passwords, which is to improve the security of transactions.

[0055] Optionally, the payment password is a numeric and/or character password, avatar information, eye and iris information, or fingerprint information.

[0056] Optionally, the payment account number is a bank account number or a third-party payment institution account number, and the payment account number is a bank account number or a third-party payment institution account number.

[0057] Optionally, the third-party payment institution account is an Alipay account, and the third-party payment institution transaction system is an Alipay server.

[0058] Figure 5 It is a flowchart of another payment method according to an embodiment of the present invention. The payment methods include:

[0059] Step 500: Send the bill information via NFC;

[0060] Specifically, the bill information is sent through NFC communication, and the bill information includes the amount due and one or more account numbers for receiving the amount due.

[0061] Step 502, receiving payment result information;

[0062] Specifically: receiving information indicating the success or failure of the payment.

[0063] Optionally, the payment method further includes: when receiving the information indicating that the payment has failed, sending an e-check payment reminder notification through communication methods such as NFC, Bluetooth, ZIGBEE, infrared, wireless fidelity WIFI (Wireless Fidelity), etc. The second NFC mobile terminal receiving the bill information is used to remind the second NFC mobile terminal that the current online cash transfer is unsuccessful and can be changed to electronic check payment.

[0064] Optionally, the payment method further includes: receiving header information of the invoice to be issued. The order between this step and step 500 or step 502 is arbitrary.

[0065] Optionally, the collection account is a bank account or a third-party payment institution account.

[0066] Finally, it should be noted that the clearing system mentioned in this application document is sometimes called a clearing institution, a clearing payment platform, a settlement system, a clearing institution or a clearing payment platform, etc. Those in the art understand that these terms are used in the present invention. The meanings in the examples are the same.

[0067] In the embodiment of the present invention, the receiving account number is transmitted through the NFC communication mode and/or the NFC mobile terminal of the paying party sends the payment password corresponding to the payment account to the transaction system, thereby improving the security of the user account and password. In addition, the embodiment of the present invention uses an electronic check to make payment through an electronic check when the payer cannot successfully make a payment, which enriches the payment means and helps improve the user's payment experience.

[0068] In the several embodiments provided in this application, it should be understood that the disclosed mobile terminal may be implemented in other ways. For example, the mobile terminal embodiments described above are merely illustrative. For example, the division of the modules is only a logical function division. In actual implementation, there may be other division methods, for example, multiple modules or components may be combined. Or it can be integrated into another system, or some features can be ignored or not implemented. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or units, and may be in electrical, mechanical or other forms. The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical units, that is, they may be located in one place, or they may be distributed to multiple components. Some or all of the modules may be selected according to actual needs to achieve the objectives of the solutions of the embodiments.

[0069] In addition, the functional modules and components in each embodiment of the present invention may be integrated into one processing unit, or each module may exist alone physically, or two or more modules may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware, software function modules, or a combination of software and hardware.

[0070] If the integrated module is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer readable storage medium. Based on this understanding, the technical solution of the present invention essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , Including several instructions to make a computer device (which can be a personal computer, a server, or a network device, etc.) execute all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage media include: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program code .

[0071] Obviously, the present invention described herein can have many changes without departing from the true spirit and scope of the present invention. Therefore, all changes that are obvious to those skilled in the art should be included in the scope of the claims of the present invention. The scope of protection claimed by the present invention is defined by the claims.