Payment method and intelligent device

A technology of intelligent equipment and equipment, applied in the payment system, payment system structure, instruments and other directions, can solve the problem of unsuccessful payment, etc., to achieve the effect of improving the success rate and comfortable experience

Active Publication Date: 2015-07-01
海南欧珀通讯科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this way, since the smart device uses the HCE unit by default when paying, if the default HCE unit is used to pay for the payment application that the HCE unit does not support, the payment will fail

Method used

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  • Payment method and intelligent device
  • Payment method and intelligent device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] see figure 1 , is a flowchart of a payment method provided in Embodiment 1 of the present invention. The method in the embodiment of the present invention can be executed by an NFC chip implemented by hardware and / or software, and the chip is typically configured in a smart device capable of providing mobile payment services.

[0044] The method includes: Step 110 - Step 130 .

[0045] Step 110, the NFC chip obtains the name of the current priority payment item in the tap and pay.

[0046]Android 4.4 (an Android operating system) introduces touch payment, which contains multiple payment items, and users can pay through the default payment item in touch payment, or choose a payment item other than the default payment item. , The payment item required by the user to pay. Wherein, different payment items correspond to unique payment item names.

[0047] The generation of the priority payment items in the tap and pay may include:

[0048] Accepting the manually selecte...

Embodiment 2

[0065] see figure 2 , is a flowchart of a payment method provided in Embodiment 2 of the present invention. The method in the embodiment of the present invention is applicable to the NFC chip, the smart device to which the NFC chip belongs, the security unit that comes with the smart device to which the NFC chip belongs, the security unit embedded in the SIM card in the smart device, and the smart device. The network architecture composed of HCE units and routing managers.

[0066] The method includes: Step 210 - Step 240 .

[0067] Step 210, after the NFC chip is initialized, the NFC chip sends a request to the smart device to which the NFC chip belongs to obtain the name of the current priority payment item in the touch payment, and the NFC chip receives the request from the smart device In response, get the name of the current priority payment item in the tap and pay.

[0068] Step 220, the NFC chip determines the security unit corresponding to the name of the priority ...

Embodiment 3

[0077] see image 3 , is a schematic structural diagram of a smart device provided in Embodiment 3 of the present invention. The smart device includes: NFC chip 310, the security unit 320 of the smart device to which the NFC chip 310 belongs, the security unit 330 embedded in the SIM card in the smart device, and the HCE (host computer) in the smart device card emulation) unit 340.

[0078] The NFC chip 310 is used for:

[0079] Get the name of the current priority payment item in tap and pay;

[0080] Determine the security unit corresponding to the name of the priority payment item, the security unit is the security unit 320 of the smart device to which the NFC chip belongs, the security unit 330 embedded in the SIM card in the smart device, or The HCE unit 340 in the smart device;

[0081] Close the path between itself and other security units except the determined security unit, and maintain a connection with the security unit corresponding to the name of the priority ...

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Abstract

The invention provides a payment method and an intelligent device. The payment method includes: using a NFC chip to obtain a name of a current preferred payment item in a touch payment, using the NFC chip to confirm a safety unit corresponding to the name of the current preferred payment item, wherein the safety unit is a safety unit owned by the intelligent device which the NFC belongs to, a safety unit of the intelligent device embedded in a SIM (subscriber identity module) card, or a HCE unit of the intelligent device, using the NFC chip to close a access between the NFC chip and other safety units except the confirmed safety unit, and keep connection with the safety unit corresponding to the name of the current preferred payment item, paying through the kept connection, and avoiding an interference of other two safety units except the safety unit matched with the name of the current preferred payment item. The payment method and the intelligent device improve success rate and reliability of the payment, and can present a comfortable experience to a user.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of mobile payment, in particular to a payment method and a smart device. Background technique [0002] With the rapid development of mobile payment, users can complete payment through smart devices (for example, smart phones) and POS (Point Of Sale, point of sale) machines, which is convenient and fast. Among them, the POS machine is mainly used to accept the payment request sent by the smart device, and complete the payment transaction with the mobile payment business platform provided by the bank. [0003] During specific payment, the POS machine sends a radio frequency signal to the NFC chip in the smart device to perform card query; the NFC chip simulates receiving the radio frequency signal, and establishes a link between the POS machine and the recorded security unit according to the security unit recorded by the NFC chip. Path: Based on the established path, the NFC chip tra...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
Inventor 刘文杰
Owner 海南欧珀通讯科技有限公司
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