[0033] In order to be able to understand the above objectives, features and advantages of the present invention more clearly, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that the embodiments of the application and the features in the embodiments can be combined with each other if there is no conflict.
[0034] In the following description, many specific details are set forth in order to fully understand the present invention. However, the present invention can also be implemented in other ways different from those described here. Therefore, the protection scope of the present invention is not limited to the specific details disclosed below. Limitations of the embodiment.
[0035] figure 1 A flowchart of a payment method according to an embodiment of the present invention is shown.
[0036] Such as figure 1 As shown, a payment method according to an embodiment of the present invention is used in a wearable device, the wearable device having an NFC chip for near field communication, and the payment method includes:
[0037] Step 102: Obtain a payment request;
[0038] Step 104: Determine whether the payment request is a small payment;
[0039] Step 106, if it is a small payment, initiate a secret-free payment transaction through the NFC chip to complete the payment process.
[0040] In this technical solution, the NFC (Near Field Communication) chip can be set in the wearable device, instead of the technical solution of setting the NFC chip in the terminal in the related technology. Specifically, the terminal can be stored in the NFC chip Account information and the corresponding electronic cash. In this way, when judging that the payment request is a small payment, the wearable device can directly interact with the peripheral payment device through the antenna, and the electronic cash in the wearable device is deducted, thus realizing a password-free payment and improving This improves the convenience of mobile payment and at the same time reduces the complexity of mobile phone hardware, realizes the function of independent mobile payment for wearable devices, and improves the convenience of mobile payment and the practicability of wearable devices.
[0041] In the above technical solution, preferably, step 104 specifically includes: determining whether the amount of the payment request is less than or equal to a single payment limit; and/or determining whether the sum of the amount of the payment request and the historical payment amount of the day is less than Or equal to the single-day payment limit.
[0042] In this technical solution, first, the single payment limit and/or the single day payment limit can be set by a third party, or can be set by the user in the terminal or wearable device, if the amount of the payment request is less than or equal to the single payment The limit means that the payment limit is valid and belongs to a small payment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the single-day payment limit, it means that the payment amount on the day does not exceed the standard, and the payment request is a small payment. By restricting micropayments, the security of payment functions using wearable devices can be improved, and users' property safety can be protected.
[0043] In any of the above technical solutions, preferably, it further includes: recording the number of micropayments within a preset time period; detecting whether the number of micropayments reaches a threshold; if it reaches the threshold, prohibiting the wearable device Micropayment function, and send reminder information to the mobile terminal bound to the wearable device.
[0044] In this technical solution, the number of micropayments can also be limited. The third party or the user can set the threshold of the number of micropayments by themselves, and can also limit the number of micropayments within a preset time period. The three parties or users can set the threshold of the number of micropayments within the preset time period and the preset time period. When the number of micropayments reaches the threshold, when the number of micropayments within the predetermined time period reaches the threshold, It shows that there is a risk of property loss, so the micropayment function of wearable devices can be prohibited at this time. For example, the user can set the preset time period for micropayments to 1h on the mobile phone or on the wearable device bound to the mobile phone, and set the threshold of the number of micropayments within 1h to 5 times. In this way, the wearable device It can detect whether the number of micropayments such as swiping bus cards or online shopping reaches five times within 1 hour. If it reaches five times, it means that the user's wearable device is likely to be lost or stolen. Frequent payment behavior may be caused by others using the credit card. The wearable device is used for bus card swiping or online shopping, so the micropayment function of the wearable device can be automatically disabled at this time. At the same time, it can also send reminder information to the mobile terminal bound to the wearable device to notify the user in time, so that the user can take timely measures to ensure payment security. The reminder information can include the payment transaction content of the wearable device and the wearable device. The real-time location of the device, etc. In addition, according to the received setting command, a threshold can be set for the total number of micropayments of the wearable device within a preset time period, or corresponding preset time periods and frequency thresholds can be respectively set for different types of micropayments. For example, set the threshold of the total number of micropayments for a wearable device within 1h to 5, or set the threshold for the number of online shopping payments for the wearable device within 1h to 3, and the threshold for the number of cross-bank transfers within 2h 2 times.
[0045] In any of the above technical solutions, preferably, the wearable device further has an ESE chip, the ESE chip is used to store sensitive information of payment transactions, and step 106 further includes: when it is determined that the payment request is not a small payment Establish a communication connection between the wearable device and the mobile terminal bound to the wearable device; send the payment transaction sensitive information to the security system of the mobile terminal so that the security system can complete the payment transaction.
[0046] In this technical solution, the ESE (Embedded Security Element) chip can be set on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related technology, reducing the complexity of the mobile phone hardware, and implementing it for the wearable device The function of independent mobile payment is improved, and the convenience of mobile payment and the practicability of wearable devices are improved. The ESE chip is used to store sensitive information of payment transactions, that is, account transaction information with a higher security level, such as bank card information, and is especially suitable for large-value payment application scenarios. In addition, the ESE chip can be combined with a dedicated secure payment system in multiple systems of the terminal. The ESE chip sends relevant transaction information to the secure payment system, and the secure payment system sends the relevant transaction information to the transaction platform server. After the server verifies and confirms, the payment can be directly deducted, and the transaction result is fed back to the secure payment system, and then the secure payment system feeds back to the wearable device.
[0047] In any of the above technical solutions, preferably, the payment transaction sensitive information includes at least one or a combination of the following: transaction account number, transaction amount, transaction object, transaction time.
[0048] In this technical solution, transaction information includes, but is not limited to, at least one or a combination of the following: transaction account number, transaction amount, transaction object, transaction time, a variety of transaction information provides users with more options for conditions, for example, users can It is set to use the NFC chip for direct password-free payment when the transaction content is daily necessities, and the ESE chip for secure payment when the transaction content is electronic products.
[0049] figure 2 A block diagram of a payment device according to an embodiment of the present invention is shown.
[0050] Such as figure 2 As shown, a payment device 200 according to an embodiment of the present invention is used in a wearable device, the wearable device has an NFC chip for near field communication, the payment device 200 includes: a payment request acquiring unit 202, a payment limit determining unit 204 and the first execution unit 206.
[0051] Wherein, the payment request obtaining unit 202 is used to obtain a payment request; the payment amount judging unit 204 is used to judge whether the payment request is a small amount payment; the first execution unit 206 is used to judge the payment amount judgment unit 204 that the payment request is In the case of small payments, a secret-free payment transaction is initiated through the NFC chip to complete the payment process.
[0052] In this technical solution, the NFC (Near Field Communication) chip can be set in the wearable device, instead of the technical solution of setting the NFC chip in the terminal in the related technology. Specifically, the terminal can be stored in the NFC chip Account information and the corresponding electronic cash. In this way, when judging that the payment request is a small payment, the wearable device can directly interact with the peripheral payment device through the antenna, deduct the electronic cash in the wearable device, and realize the password-free payment. This improves the convenience of mobile payment and at the same time reduces the complexity of mobile phone hardware, realizes the function of independent mobile payment for wearable devices, and improves the convenience of mobile payment and the practicability of wearable devices.
[0053] In the above technical solution, preferably, the payment limit judging unit 204 is specifically configured to: determine whether the amount of the payment request is less than or equal to the single payment limit, and/or determine the amount of the payment request and the historical payment amount of the day Is the sum less than or equal to the single-day payment limit.
[0054] In this technical solution, first, the single payment limit and/or the single day payment limit can be set by a third party, or can be set by the user in the terminal or wearable device, if the amount of the payment request is less than or equal to the single payment The limit means that the payment limit is valid and belongs to a small payment. If the sum of the payment request amount and the historical payment amount of the day is less than or equal to the single-day payment limit, it means that the payment amount on the day does not exceed the standard, and the payment request is a small payment. By restricting micropayments, the security of payment functions using wearable devices can be improved, and users' property safety can be protected.
[0055] In any of the above technical solutions, preferably, it further includes: a payment frequency recording unit 208, which records the number of micropayments within a preset time period; a detection unit 210, which detects whether the number of micropayments reaches a threshold; second The execution unit 212, if the detection unit detects that the number of micropayments reaches the threshold, prohibits the micropayment function of the wearable device, and sends a reminder message to the mobile terminal bound to the wearable device.
[0056] In this technical solution, the number of micropayments can also be limited. The third party or the user can set the threshold of the number of micropayments by themselves, and can also limit the number of micropayments within a preset time period. The three parties or users can set the threshold of the number of micropayments within the preset time period and the preset time period. When the number of micropayments reaches the threshold, when the number of micropayments within the predetermined time period reaches the threshold, It shows that there is a risk of property loss, so the micropayment function of wearable devices can be prohibited at this time. For example, the user can set the preset time period for micropayments to 1h on the mobile phone or on the wearable device bound to the mobile phone, and set the threshold of the number of micropayments within 1h to 5 times. In this way, the wearable device It can detect whether the number of micropayments such as swiping bus cards or online shopping reaches five times within 1 hour. If it reaches five times, it means that the user's wearable device is likely to be lost or stolen. Frequent payment behavior may be caused by others using the credit card. The wearable device is used for bus card swiping or online shopping, so the micropayment function of the wearable device can be automatically disabled at this time. At the same time, it can also send reminder information to the mobile terminal bound to the wearable device to notify the user in time, so that the user can take timely measures to ensure payment security. The reminder information can include the payment transaction content of the wearable device and the wearable device. The real-time location of the device, etc. In addition, according to the received setting command, a threshold can be set for the total number of micropayments of the wearable device within a preset time period, or corresponding preset time periods and frequency thresholds can be respectively set for different types of micropayments. For example, set the threshold of the total number of micropayments for wearable devices within 1h to 5, or set the threshold for the number of online shopping payments for wearable devices within 1h to 3, and the threshold for the number of cross-bank transfers within 2h 2 times.
[0057] In any of the above technical solutions, preferably, the wearable device further has an ESE chip, the ESE chip is used to store sensitive information of payment transactions, and the payment device 200 further includes: a communication connection establishment unit 214, when the payment request is determined When it is not a small payment, establish a communication connection between the wearable device and the mobile terminal bound to the wearable device; the sensitive information sending unit 216 sends the payment transaction sensitive information to the security system of the mobile terminal , For the security system to complete the payment transaction.
[0058] In this technical solution, the ESE (Embedded Security Element) chip can be set on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related technology, reducing the complexity of the mobile phone hardware, and implementing it for the wearable device The function of independent mobile payment has improved the convenience of mobile payment and the practicability of wearable devices. The ESE chip is used to store sensitive information about payment transactions, that is, account transaction information with a higher security level, such as bank card information, and is especially suitable for large-value payment application scenarios. In addition, the ESE chip can be combined with a dedicated secure payment system in multiple systems of the terminal. The ESE chip sends relevant transaction information to the secure payment system, and the secure payment system sends the relevant transaction information to the transaction platform server. After the server verifies and confirms, the payment can be directly deducted, and the transaction result is fed back to the secure payment system, which then feeds back to the wearable device.
[0059] In any of the above technical solutions, preferably, the payment transaction sensitive information includes at least one or a combination of the following: transaction account number, transaction amount, transaction object, transaction time.
[0060] In this technical solution, transaction information includes, but is not limited to, at least one or a combination of the following: transaction account number, transaction amount, transaction object, transaction time, a variety of transaction information provides users with more options for conditions, for example, users can It is set to use the NFC chip for direct password-free payment when the transaction content is daily necessities, and the ESE chip for secure payment when the transaction content is electronic products.
[0061] image 3 A block diagram of a wearable device according to an embodiment of the present invention is shown.
[0062] Such as image 3 As shown, a wearable device 300 according to an embodiment of the present invention includes figure 2 The payment device 200 shown, therefore, the wearable device 300 has and figure 2 The same technical effects of the payment device 200 shown are not repeated here.
[0063] Figure 4 A flowchart of a payment method according to another embodiment of the present invention is shown.
[0064] Such as Figure 4 As shown, the payment method according to another embodiment of the present invention includes:
[0065] Step 402: The wearable device initiates a payment request.
[0066] In step 404, it is judged whether it is a large-amount online payment. When the judgment result is yes, go to step 406; otherwise, go to step 408.
[0067] Step 406: Connect and communicate with the security system of the mobile phone, and transfer sensitive information such as the transaction account, password and amount to the security system of the mobile phone.
[0068] In step 408, it is determined as a small payment.
[0069] In step 410, the virtual private network is enabled in the security system of the mobile phone, and the sensitive information transmitted by the wearable device is sent to the transaction platform server for confirmation.
[0070] In step 412, the transaction platform server confirms the deduction and feeds back the transaction result after the verification is passed.
[0071] Step 414: Communicate with the external transaction device through the NFC chip and its antenna to perform secret-free payment.
[0072] In step 416, the transaction platform server confirms the deduction and feeds back the transaction result after the verification is passed.
[0073] Figure 5 It shows a schematic diagram of interaction between a wearable device and a mobile phone according to an embodiment of the present invention.
[0074] Such as Figure 5 As shown, the mobile phone 500 has a secure payment system 502 and other systems 505. The ESE chip 6044 is connected to the secure payment system 502. The ESE chip 6044 sends relevant transaction information to the secure payment system 502, and the secure payment system 502 sends the transaction platform The server sends the relevant transaction information, after the transaction platform server verifies and confirms, the payment can be directly deducted, and the transaction result is fed back to the secure payment system 502, and then the secure payment system 502 feeds back to the wearable device. The ESE chip can also be set on the wearable device, replacing the technical solution of setting the ESE chip in the terminal in the related technology, reducing the complexity of mobile phone hardware, realizing the function of separate mobile payment for the wearable device, and improving the mobile The convenience of payment and the practicality of wearable devices.
[0075] The payment module 604 of the wearable device 600 further includes an NFC chip 6042. The NFC chip 6042 is connected to the controller 602 for near field communication with an external transaction device through an antenna to pay electronic cash to the external transaction device. The complexity of mobile phone hardware is reduced, the function of independent mobile payment is realized for the wearable device, and the convenience of mobile payment and the practicability of the wearable device are improved. The NFC chip can be set in the wearable device, replacing the technical solution of setting the NFC chip in the terminal in the related technology, reducing the complexity of the mobile phone hardware, and realizing the separate mobile payment function for the wearable device, and improving the mobile The convenience of payment and the practicality of wearable devices.
[0076] The technical scheme of the present invention is described in detail above with reference to the accompanying drawings. Through the technical scheme of the present invention, when it is determined that the payment request is a small payment, the wearable device can directly interact with the peripheral payment device through the antenna, and deduct the amount of the wearable device. Electronic cash realizes secret-free payment, improves the convenience of mobile payment, and at the same time reduces the complexity of mobile phone hardware, realizes the function of independent mobile payment for wearable devices, and improves the convenience and availability of mobile payment. Practicality of wearable devices.
[0077] The foregoing descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention can have various modifications and changes. Any modification, equivalent replacement, improvement, etc., made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
