NFC-based payment method, deduction device and terminal
A deduction and terminal technology, applied in the payment field, can solve the problems of poor user payment experience, cumbersome and inconvenient operation, etc., and achieve the effect of improving payment experience and simplifying operation
Active Publication Date: 2019-12-03
CHINA UNITED NETWORK COMM GRP CO LTD
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Problems solved by technology
[0003] At present, the payment and billing methods based on the NFC function of the terminal are fixed payment, which is the payment made by the user using the terminal with the NFC function after confirming the price. In scenarios that require real-time billing and payment, such as water receivers and car refueling based on traffic metering, users often need to swipe the NFC terminal many times or enter the password multiple times to complete the payment operation. The operation is cumbersome and inconvenient, and the user's payment experience is poor.
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[0034] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0035] The terms "comprising" and "having" and any variations thereof in the description and claims of the present invention are intended to cover a non-exclusive inclusion, for example, a process comprising a series of steps or a device of structure need not be limited to the expressly listed Instead, those structures or steps may include other steps or structures not expressly listed or inherent to the process or device.
[0036] figure 1 It is a schematic ...
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Embodiments of the invention provide an NFC-based payment method, a fee deduction device and a terminal. The method comprises the following steps of: establishing an NFC connection with a user terminal and receiving an M sequence randomly distributed by the user terminal; starting a service and carrying out cumulative charging, and when the cumulated charge achieves a preset fee deduction amount, sending a fee deduction request which carries the M sequence to the user terminal so that the user terminal carries identity authentication according to the M sequence; and if the authentication carried out by the user terminal succeeds, carrying out fee deduction according to an authorized account and a corresponding account password returned by the user terminal, wherein the authorized account and the account password are received by the user terminal and stored in a storage space before the service is started. According to the NFC-based payment method, the feed deduction device and the terminal, the operation of the NFC payment under real-time charging payment scenes is simplified, so that the payment experience of the users is improved.
Description
technical field [0001] The embodiment of the present invention relates to the technical field of payment, and in particular to an NFC-based payment method, a deduction device and a terminal. Background technique [0002] With the application and popularization of the NFC function on the terminal, the payment method based on the NFC function has been vigorously developed. [0003] At present, the payment and billing methods based on the NFC function of the terminal are fixed payment, which is the payment made by the user using the terminal with the NFC function after confirming the price. In scenarios that require real-time billing and payment, such as water receivers and car refueling based on traffic metering, users often need to swipe the NFC terminal many times or enter the password multiple times to complete the payment operation. The operation is cumbersome and inconvenient, and the user's payment experience is poor. . Contents of the invention [0004] Embodiments ...
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IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3278G06Q20/4014
Inventor 王鑫高一维孙宇
Owner CHINA UNITED NETWORK COMM GRP CO LTD