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Near field payment method, and related equipment and system

A technology of near-field payment and equipment, which is applied in the direction of payment architecture, instruments, data processing applications, etc., can solve the problems of inability to complete payment transactions and low success rate of swiping cards, and achieve the effect of improving the success rate of swiping cards

Inactive Publication Date: 2017-06-23
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When the user cannot log in to the client to set another default card due to network problems, or the mobile phone is turned off, or the client is not installed, etc., the payment transaction cannot be completed
Therefore, the success rate of swiping cards in the prior art is low

Method used

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  • Near field payment method, and related equipment and system
  • Near field payment method, and related equipment and system
  • Near field payment method, and related equipment and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0047] An embodiment of the present invention provides a near-field payment method, such as figure 1 As shown, the method may include:

[0048] Step 101. The near-field payment device receives a request message sent by the terminal device, where the request message includes at least payment information.

[0049] The near-field payment device in the embodiment of the present invention may specifically be a SIM card, or may be a payment terminal installed with a SIM card. Specifically, the terminal device may be a payment collection device.

[0050] Specifically, when the user needs transaction payment, the terminal device establishes a connection with the near-field payment device through near-field communication. It can be understood that the payment collection device establishes a connection with the SIM card in the payment terminal through near-field communication. The terminal device initiates a request message for obtaining the registration identification ID of an availa...

Embodiment 2

[0062] An embodiment of the present invention provides a near-field payment method, such as figure 2 As shown, the method may include:

[0063] Step 201, the terminal device sends a request message to the near-field payment device, where the request message includes at least payment information.

[0064] The near-field payment device in the embodiment of the present invention may specifically be a SIM card, or may be a payment terminal installed with a SIM card. Specifically, the terminal device may be a payment collection device.

[0065] Specifically, when the user needs transaction payment, the terminal device establishes a connection with the near-field payment device through near-field communication. It can be understood that the payment collection device establishes a connection with the SIM card in the payment terminal through near-field communication. The terminal device initiates a request message for obtaining the registration identification ID of an available car...

Embodiment 3

[0071] An embodiment of the present invention provides a near-field payment method, such as image 3 As shown, the method may include:

[0072] Step 301, the terminal device establishes a near field communication connection with the near field payment device.

[0073] It should be noted that the near-field payment device in the embodiment of the present invention may specifically be a SIM card, or may be a payment terminal installed with a SIM card. Specifically, the terminal device may be a payment collection device.

[0074] Step 302, the terminal device sends a request message to the near-field payment device, where the request message includes at least payment information.

[0075] Specifically, the terminal device establishes a connection with the near-field payment device through near-field communication. It can be understood that the payment collection device establishes a connection with the SIM card in the payment terminal through near-field communication, and the t...

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PUM

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Abstract

The embodiment of the invention discloses a near field payment method, and related equipment and system. Near field payment equipment receives a request message sent by a terminal device, wherein the request message at least includes payment information; account information of each card application; an available card application is determined according to the account information of each card application and the payment information; and a registration identifier of the available card application is sent to the terminal device, so that the terminal device deducts the payment amount from the account of the available card application according to the registration identifier of the available card application.

Description

technical field [0001] The present invention relates to a near-field payment technology in the communication field, in particular to a near-field payment method, related equipment and a system. Background technique [0002] When multiple financial card applications exist in the SIM card in the prior art, a default card must be set, and only the default card can be used for near-field payment on the card reader. When the balance in the default card is insufficient, the current card transaction will fail. If there is sufficient amount in other cards, the user needs to manually set the card with sufficient amount as the default card through the client page, and then swipe the card again to continue to complete the payment transaction. When the user cannot log in to the client to set other default cards due to network problems, or the mobile phone is turned off, or the client is not installed, etc., the payment transaction cannot be completed. Therefore, the success rate of sw...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/34
CPCG06Q20/3278G06Q20/352
Inventor 王子正
Owner CHINA MOBILE COMM GRP CO LTD
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