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A mobile payment method and device

A technology for mobile payment and payment request, applied in the direction of payment system, payment system structure, data processing application, etc., can solve problems such as loss and hidden dangers of NFC smart terminal users, and achieve the effect of improving security

Active Publication Date: 2018-11-27
GUANGDONG OPPO MOBILE TELECOMM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, most of the payments through NFC smart terminals are small-amount payments. For the convenience of payment, it is usually not necessary to enter the payment password when using NFC smart terminals for small-amount payments. However, after the NFC smart terminal is lost or stolen, it is easy to be picked up. Or the thief takes it to swipe the card for consumption, causing the loss of the NFC smart terminal user, which has hidden dangers in safety

Method used

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  • A mobile payment method and device
  • A mobile payment method and device
  • A mobile payment method and device

Examples

Experimental program
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Embodiment 1

[0024] figure 1 This is the flow chart of the mobile payment method described in this embodiment. This embodiment is applicable to the case of using an NFC smart terminal to make a password-free card payment at the accepting terminal. The method can be executed by a mobile payment device configured on the smart terminal, such as figure 1 As shown, the mobile payment method described in this embodiment includes:

[0025] Step S101 , receiving a payment request sent by an NFC acceptance terminal through a near field communication NFC module.

[0026] The acceptance terminal referred to in this embodiment includes, but is not limited to, terminal equipment capable of completing financial transactions, such as a POS terminal and an IC card acceptance terminal. Among them, the POS terminal refers to the point-of-sale terminal that can receive the information of the NFC module of the NFC smart terminal through the NFC module, and complete the financial transaction by interacting wi...

Embodiment 2

[0039] figure 2 is the flow chart of the mobile payment method described in this embodiment, such as figure 2 As shown, the mobile payment method described in this embodiment includes:

[0040] Step S201 , receiving a payment request sent by an NFC acceptance terminal through a near field communication NFC module.

[0041] Step S202, obtaining the current position through the GPS module.

[0042] Step S203 , judging whether the position satisfies the preset condition, if yes, go to step S204 , otherwise go to step S205 .

[0043] The payment request is verified according to the location. Specifically, the payment request can be verified by judging whether the location belongs to a pre-designated location or location range, for example, judging whether the location belongs to a pre-designated location list. The location verifies the payment request, and judging whether the location belongs to a pre-specified location range verifies the payment request. For another example...

Embodiment 3

[0052] image 3 is the flow chart of the mobile payment method described in this embodiment, such as image 3 As shown, the mobile payment method described in this embodiment includes:

[0053] Step S301 , according to one's own needs, add several places where credit card consumption is frequently used as common places.

[0054] If the accepting terminal corresponding to this embodiment is a POS terminal, the payment source bound to the NFC smart terminal is a UnionPay card, and the user can use the UnionPay card in common locations (for example, at home, supermarkets and shopping malls next to his home) according to his needs. , if the GPS module of the NFC mobile terminal has high precision, the commonly used location can also be stored precisely to the specific supermarket and / or the cashier of the shopping mall, as the location where the NFC smart terminal often swipes the card for consumption. Or the allowable use range of the UnionPay card (for example, within 1 km of ...

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Abstract

The embodiment of the invention discloses a mobile payment method and device. The mobile payment method comprises the steps that a payment request sent by a NFC acceptance terminal is received through a NFC module, the current position can be acquired through a GPS module, verification is conducted on the payment request according to the current position, and payment is conducted after verification is passed according to the payment request. By limiting the use position of a NFC swiping card to a preset common position of a user, and loss of the user due to the fact that the card is picked up by other people or be stolen and is consumed in other places, so that the security of NFC card swiping is improved.

Description

technical field [0001] The present invention relates to the technical field of mobile terminals, in particular to a mobile payment method and device. Background technique [0002] Smart terminals such as mobile phones have become the necessities of people's daily communication. At present, there are more and more NFC smart terminals with NFC (Near Field Communication) function. For example, NFC modules used to provide NFC functions have become 4G mobile phones. standard configuration. With the gradual improvement of NFC technology, NFC smart terminals are gradually used as bank cards to swipe cards at POS machines, as bus cards for recharge, payment, balance inquiry, and as a merchant's membership card. [0003] At present, most of the payments through NFC smart terminals are micro-payments. For the convenience of payment, it is usually not necessary to enter the payment password when using NFC smart terminals for micro-payments. However, when the NFC smart terminal is lost...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/32G06Q20/38G06Q20/40
Inventor 俞义
Owner GUANGDONG OPPO MOBILE TELECOMM CORP LTD