Payment method and device based on NFC tag, user terminal, system and medium

Abstract

The invention discloses a payment method and device based on an NFC tag, a user terminal, a system and a medium, and belongs to the field of electronic payment. The method comprises the steps of transmitting application information of a payment application or control information of an intermediate control corresponding to near-field operation to a user terminal through an NFC technology in response to the near-field operation of the user terminal on an NFC tag, the user terminal calls a target payment application according to the obtained application information of the payment application or calls the target payment application through an intermediate control, and the target payment application is one of at least two payment applications supported by the acceptance equipment; and scanning the payment code displayed by the target payment application called by the user terminal, and performing payment based on the payment information in the payment code. According to the embodiment of the invention, the flexibility of NFC payment can be improved.

Description

Technical Field

[0001] The present application relates to the field of electronic payment, and in particular to a payment method, device, user terminal, system and medium based on NFC tag. Background Art

[0002] With the continuous development of payment technology, the convenience of payment has been continuously improved. For example, near field communication (NFC) technology can be used to realize payment. Users only need to touch the user terminal with the acceptance device with NFC function to call up the payment application in the user terminal so that users can operate and realize payment.

[0003] However, at present, touch payment between user terminals and acceptance devices with NFC function can only call up a fixed payment application. Users cannot choose the payment application they want to use, making the payment method single and less flexible. Summary of the invention

[0004] The embodiments of the present application provide a payment method, device, user terminal, system and medium based on an NFC tag, which can improve the flexibility of NFC payment.

[0005] In a first aspect, an embodiment of the present application provides a payment method based on an NFC tag, which is applied to an acceptance device, the acceptance device having a near field communication NFC tag, the NFC tag storing application information of at least two payment applications or control information of an intermediate control, the method comprising: in response to a user terminal's near field operation of the NFC tag, transmitting the application information of the payment application or the control information of the intermediate control corresponding to the near field operation to the user terminal through NFC technology, so that the user terminal calls up a target payment application according to the obtained application information of the payment application or calls up the target payment application through the intermediate control, the target payment application being one of at least two payment applications supported by the acceptance device; scanning the payment code displayed by the target payment application called up by the user terminal, and making payment based on the payment information in the payment code.

[0006] In a second aspect, an embodiment of the present application provides a payment method based on an NFC tag, which is applied to a user terminal, and the method includes: performing a near field operation on an NFC tag possessed by an acceptance device, the NFC tag storing application information of at least two payment applications or control information of an intermediate control; receiving application information of the payment application corresponding to the near field operation or control information of the intermediate control transmitted by the NFC tag through NFC technology; calling up a target payment application according to the obtained application information of the payment application or calling up the target payment application through the intermediate control, the target payment application being one of at least two payment applications supported by the acceptance device; displaying a payment code through the target payment application, so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

[0007] In a third aspect, an embodiment of the present application provides an acceptance device, the acceptance device having a near field communication NFC tag, the NFC tag storing application information of at least two payment applications or control information of an intermediate control, the acceptance device comprising: an NFC tag, for responding to a user terminal's near field operation of the NFC tag, transmitting the application information of the payment application corresponding to the near field operation or the control information of the intermediate control to the user terminal through NFC technology, so that the user terminal calls up a target payment application according to the obtained application information of the payment application or calls up the target payment application through the intermediate control, the target payment application being one of at least two payment applications supported by the acceptance device; a scanning module, for scanning a payment code displayed by the target payment application called up by the user terminal, and making payment based on the payment information in the payment code.

[0008] In a fourth aspect, an embodiment of the present application provides a user terminal, comprising: an NFC communication module, used to perform near-field operations on an NFC tag of an acceptance device, the NFC tag storing application information of at least two payment applications or control information of an intermediate control; and used to receive application information of the payment application corresponding to the near-field operation or control information of the intermediate control transmitted by the NFC tag through NFC technology; a processing module, used to call up a target payment application according to the obtained application information of the payment application or to call up the target payment application through the intermediate control, the target payment application being one of at least two payment applications supported by the acceptance device; and a display module, used to display a payment code through the target payment application, so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

[0009] In a fifth aspect, an embodiment of the present application provides an acceptance device, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the NFC tag-based payment method of the first aspect is implemented.

[0010] In a sixth aspect, an embodiment of the present application provides a user terminal, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the NFC tag-based payment method of the second aspect is implemented.

[0011] In the seventh aspect, an embodiment of the present application provides a payment system based on an NFC tag, comprising: an acceptance device having a near field communication NFC tag, the NFC tag storing application information of at least two payment applications or control information of an intermediate control, for executing the payment method based on the NFC tag of the first aspect; a user terminal, for executing the payment method based on the NFC tag of the second aspect.

[0012] In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the NFC tag-based payment method of the first aspect or the NFC tag-based payment method of the second aspect is implemented.

[0013] In a ninth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the NFC tag-based payment method of the first aspect or the NFC tag-based payment method of the second aspect.

[0014] The embodiment of the present application provides a payment method, device, user terminal, system and medium based on NFC tag, wherein the acceptance device is provided with an NFC tag, and the NFC tag stores application information of at least two payment applications or control information of intermediate controls. The user terminal approaches the acceptance device to perform near-field operation, triggering the NFC tag to transmit application information or control information to the user terminal through NFC technology. The user terminal can automatically call up a payment application, namely the target payment application, among the payment applications supported by the acceptance device according to the transmitted application information or control information, and use the scanned payment function of the target payment application to display the payment code so that the acceptance device scans the payment code and executes the scanned payment process. During the NFC payment process, the user terminal can call up the payment application corresponding to the near-field operation, namely the target payment application, among the multiple payment applications supported by the acceptance device. The payment application that the user terminal can automatically call up in the NFC payment scenario is no longer a fixed one, and multiple payment applications supported by the acceptance device can be automatically called up by the user terminal, which can expand the user terminal's choice of payment applications during the NFC automatic payment process, enrich the payment methods, and improve the flexibility of NFC payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0016] Figure 1 A schematic diagram of the architecture of a payment system provided in one embodiment of the present application;

[0017] Figure 2 A flowchart of a payment method based on an NFC tag provided in an embodiment of the present application;

[0018] Figure 3 A schematic diagram of an example of an NFC tag provided in an embodiment of the present application;

[0019] Figure 4 A schematic diagram of another example of an NFC tag provided in an embodiment of the present application;

[0020] Figure 5 A schematic diagram of an example of a user terminal carousel application identifier provided in an embodiment of the present application;

[0021] Figure 6 A schematic diagram of an example of the relative position of a user terminal and an NFC tag provided in an embodiment of the present application;

[0022] Figure 7 A flowchart of a payment method based on an NFC tag provided in another embodiment of the present application;

[0023] Figure 8 A schematic diagram of the structure of an example receiving device provided for this application;

[0024] Fig. 9 A schematic diagram of the structure of a user terminal provided in one embodiment of the present application;

[0025] Fig.10 A schematic diagram of the structure of an acceptance device provided in another embodiment of the present application. DETAILED DESCRIPTION

[0026] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended only to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of the present application are authorized by users or relevant agencies, in compliance with the relevant provisions of national laws and regulations.

[0027] With the continuous development of payment technology, the convenience of payment has been continuously improved. For example, NFC technology can be used to realize payment. The user only needs to touch the user terminal with the acceptance device with NFC function to call up the payment application in the user terminal so that the user can operate to realize payment. However, at this stage, the touch payment between the user terminal and the acceptance device with NFC function can only call up a fixed payment application. The user cannot choose the payment application he wants to use, which makes the payment method single and less flexible. Moreover, the current NFC payment function needs to increase the communication interaction between the payment background and the merchant's acceptance side system such as the merchant information management system (MIS), that is, the merchant MIS system needs to be modified, which increases the cost of payment system modification and promotion.

[0028] The present application provides a payment method, device, user terminal, system and medium based on NFC tags. An NFC tag can be set on an acceptance device, and application information of at least two payment applications or control information of an intermediate control can be stored in the NFC tag. Through the near-field operation of the user terminal close to the NFC tag, the application information of the target payment application selected from the multiple payment applications supported by the acceptance device is obtained from the NFC tag. The user terminal automatically calls up the target payment application and displays the payment code so that the acceptance device scans the payment code for payment. The payment application that the user terminal can automatically call up is no longer a fixed one in different payments, which expands the choice of payment applications in the user terminal NFC automatic payment process, enriches the payment methods, and improves the flexibility of NFC payment. Moreover, after the target payment application of the user terminal displays the payment code, the code scanning payment process adopted by the acceptance device is the same as the current code scanning payment process, and there is no need to modify the merchant MIS system, which can reduce the modification cost and promotion difficulty.

[0029] For ease of understanding, the payment system used in the NFC tag-based payment method in the embodiment of the present application is briefly described below. Figure 1A schematic diagram of the architecture of a payment system provided in an embodiment of the present application is shown in FIG. Figure 1 As shown, the payment system may include a user terminal 11 and an acceptance device 12 .

[0030] The user terminal 11 includes a terminal device on the user side. For example, the user terminal 11 may include but is not limited to a mobile phone, a tablet computer, a smart watch, a smart bracelet and other terminals. The user terminal 11 has an NFC function and can communicate and interact with other devices with an NFC function through NFC technology. Specifically, the user terminal 11 may include an NFC module, and the NFC module implements the NFC function.

[0031] The acceptance device 12 may include an NFC device 121 and a code scanning device 122. The NFC device 121 and the code scanning device 122 may be implemented as separate devices or as the same device. The acceptance device 12 has an NFC tag 123. The NFC tag 123 may be specifically set on the NFC device 121. For example, the NFC tag 123 may be attached to any position on the NFC device 121 in the form of a sticker. The NFC function of the acceptance device 12 is implemented by the NFC tag 123. The NFC tag stores application information of at least two payment applications or control information of intermediate controls. The payment applications corresponding to the application information stored in the NFC tag include payment applications supported by the acceptance device 12. The NFC tag stores application information of multiple payment applications. The application information may indicate the payment application, specifically the storage location of the payment application, the name of the payment application, etc., which is not limited here. For example, the application information may include but is not limited to the Uniform Resource Locator (URL) information and / or application package information of the payment application. The URL information may indicate the address of the light application program of the payment application, and the application package information may represent the package name of the payment application, etc. The NFC tag may store control information of an intermediate control, or control information of at least two intermediate controls. The control information may indicate the intermediate control, and may specifically indicate the storage location of the intermediate control, the name of the intermediate control, etc., which is not limited here. For example, the control information may include URL information and / or control package information of the intermediate control, and the control package information may represent the control package name of the intermediate control, etc. In some examples, the NFC tag may also store a merchant identifier, which may represent the merchant, and the merchant identifier may include but is not limited to a merchant number, a merchant code, etc. In some examples, the NFC tag also stores a tag identifier, which is used to represent the NFC tag, and may include but is not limited to the NFC tag number, etc. The code scanning device 122 may include but is not limited to a code scanning gun, a POS machine, etc. The code scanning device 122 may scan the payment code displayed by the user terminal 11, read the payment information in the payment code, and make payment based on the read payment information.

[0032] In some examples, the payment system may also include a payment platform and / or a backend system of a payment application, etc. The backend system of the payment application can communicate and interact with the payment application in the user terminal, and provide the payment application with payment information and a payment code, etc. The payment platform can communicate and interact with the acceptance device 12, and after reading the payment information in the payment code, the acceptance device 12 can generate a payment request according to the payment information, and send the payment request to the payment platform, so that the payment platform completes the payment of the payment application based on the payment request.

[0033] The following describes the NFC tag-based payment method, device, user terminal, system, medium and computer program product provided in the present application.

[0034] The first aspect of the present application provides a payment method based on an NFC tag, which is applied to an acceptance device, that is, the payment method based on the NFC tag can be executed by the acceptance device. The specific content of the acceptance device can be referred to the relevant description in the above embodiment, which will not be repeated here. Figure 2 A flow chart of a payment method based on an NFC tag provided in an embodiment of the present application, such as Figure 2 As shown, the NFC tag-based payment method may include step S201 and step S202.

[0035] In step S201, in response to the user terminal's near-field operation of the NFC tag, the application information of the payment application or the control information of the intermediate control corresponding to the near-field operation is transmitted to the user terminal through NFC technology, so that the user terminal calls up the target payment application according to the obtained application information of the payment application or calls up the target payment application through the intermediate control.

[0036] The near-field operation may include an operation in which the user terminal approaches the acceptance device. The user terminal approaches the acceptance device, that is, the user terminal approaches the NFC tag. The user terminal approaches the NFC tag, and the two can sense each other, thereby triggering communication interaction. The information interaction between the user terminal and the acceptance device can be specifically implemented as information interaction between the user terminal and the NFC tag. After triggering the communication interaction, the acceptance device can transmit the application information or control information corresponding to the near-field operation to the user terminal through NFC technology. The acceptance device can transmit the application information of a payment application, the application information of two or more payment applications, or the control information of an intermediate control to the user terminal. If the acceptance device transmits the application information of a payment application to the user terminal, the application information of the transmitted payment application is the application information of the target payment application. If the acceptance device transmits the application information of two or more payment applications to the user terminal, the application information of the two or more payment applications transmitted includes the application information of the target payment application. If the acceptance device transmits the control information of the intermediate control to the user terminal, the payment application that can be called up by the intermediate control includes the target payment application. The target payment application is one of the at least two payment applications supported by the acceptance device. In some examples, the target payment application is one of the at least two payment applications supported by the NFC tag.

[0037] After receiving the application information or control information transmitted by the NFC tag, the user terminal can call up the payment application according to the application information, and the payment application called up is the target payment application; or, according to the control information, call up the intermediate control, which is pre-set to call up a certain payment application when triggered, and the payment application called up by the intermediate control is the target payment application. After the user terminal calls up the target payment application, the payment code can be displayed through the target payment application, and the payment code contains the payment information of this payment.

[0038] In step S202, the payment code displayed by the target payment application called up by the user terminal is scanned, and payment is made based on the payment information in the payment code.

[0039] The acceptance device can scan the payment code displayed by the target payment application, realize the scanned payment process in the scan code payment, and complete this payment.

[0040] For example, in an offline commodity purchase scenario, the cashier at the checkout counter can use the merchant's MIS system to scan the commodities purchased by the user; the user's user terminal is unlocked and approaches or touches the NFC tag of the acceptance device; the user terminal interacts with the NFC tag in the above embodiment and can automatically call up the target payment application; the target payment application displays the payment code; the acceptance device scans the payment code and executes the scanned payment process.

[0041] In an embodiment of the present application, the acceptance device is provided with an NFC tag, and the NFC tag stores application information of at least two payment applications or control information of an intermediate control. The user terminal approaches the acceptance device to perform near-field operations, triggering the NFC tag to transmit application information or control information to the user terminal through NFC technology. The user terminal can automatically call up a payment application, namely the target payment application, among the payment applications supported by the acceptance device according to the transmitted application information or control information, and use the scanned payment function of the target payment application to display the payment code so that the acceptance device scans the payment code and executes the scanned payment process. During the NFC payment process, the user terminal can call up the payment application corresponding to the near-field operation, namely the target payment application, from among the multiple payment applications supported by the acceptance device. The payment application that the user terminal can automatically call up in the NFC payment scenario is no longer a fixed one. Multiple payment applications supported by the acceptance device can be automatically called up by the user terminal, which can expand the user terminal's choice of payment applications during the NFC automatic payment process, enrich the payment methods, and improve the flexibility of NFC payment. Moreover, after calling up the target payment application, the target payment application displays the payment code and executes the scanned payment process in the scan code payment. The scanned payment process can follow the scanned payment process of the current merchant MIS system, without the need to modify the merchant MIS system, reducing the modification cost and promotion difficulty.

[0042] In some embodiments, the NFC tag may include at least two induction coils, each of which corresponds to a payment application. The positional relationship between the induction coils in the NFC tag may be set according to scenarios, requirements, experience, etc., and is not limited here. The NFC tag also includes a processing chip, and the processing chip determines the application information to be transmitted to the user terminal according to the situation in which the induction coil is triggered. The near field operation includes a first approach operation of the user terminal to an induction coil, and the first approach operation may include an operation in which the user terminal touches the NFC tag or approaches the NFC tag, thereby approaching one of the induction coils. In order to facilitate the user to select the target application that he wants to actively call up, a prompt content may be set at the location of the induction coil on the NFC tag to prompt the corresponding relationship between the induction coil and the payment application. When the user terminal approaches the induction coil, the induction coil is triggered to generate current, and the current activates the identifier corresponding to the payment application in the processing chip, thereby selecting a payment application from at least two payment applications corresponding to the application information stored in the NFC tag as the target payment application. Specifically, the acceptance device may obtain a control identifier activated by the current generated by the induction coil being triggered in response to the first approach operation; obtain the application information of the payment application in the storage area corresponding to the control identifier, and transmit it to the user terminal through NFC technology. The processing chip can activate the control identifier corresponding to the induction coil according to the current generated by the induction coil, and the control identifier has a corresponding relationship with the storage area of ​​the application information of the payment application. The application information of different payment applications can be stored in different private data storage areas to isolate the application information of different payment applications.

[0043] For example, Figure 3 A schematic diagram of an example of an NFC tag provided in an embodiment of the present application, such as Figure 3As shown, the NFC tag 123 may include an induction coil 31, an induction coil 32, an induction coil 33 and a processing chip 34, and the processing chip 34 may include a control unit 341, a calculation unit 342 and a storage unit 343. The induction coils 31, 32 and 33 may be arranged in parallel, and the user terminal approaches the positions where different induction coils are located to activate different induction coils. The storage unit 343 may include a public data storage area 1, a private data storage area 1, a private data storage area 2 and a private data storage area 3. The public data storage area 1 may store information such as a merchant identification and a tag identification, the private data storage area 1 may store application information of a payment application corresponding to the induction coil 31, the private data storage area 2 may store application information of a payment application corresponding to the induction coil 32, and the private data storage area 3 may store application information of a payment application corresponding to the induction coil 33. If the user terminal is close to one of the induction coils, the induction coil generates current, which is transmitted to the control unit 341, activating the control identifier corresponding to the induction coil in the control unit 341. The control unit 341 can send the control identifier to the calculation unit 342, and the calculation unit 342 obtains the application information from the storage area corresponding to the control identifier in the storage unit 343 to provide it to the user terminal.

[0044] For example, Figure 4 A schematic diagram of another example of an NFC tag provided in an embodiment of the present application, Figure 4 and Figure 3 The difference is that Figure 4 The induction coils 31, 32 and 33 are nested, and the user terminal is close to the positions of different induction coils to activate different induction coils. The working principle between the induction coils and the chip 34 is as described above, and will not be repeated here.

[0045] In other embodiments, the NFC tag also stores the application identifier of the supported payment application. The NFC tag can transmit the application identifier to the user terminal, and the user terminal can display the application identifier based on the received application identifier for the user to select the payment application to be used. The user terminal can display the application identifier transmitted by the NFC tag in a carousel, that is, the user terminal only displays part of the application identifier every period of time. Alternatively, the user terminal can display all application identifiers transmitted by the NFC tag in a list. The near-field operation includes a second approach operation of the user terminal to the NFC tag, and the second approach operation includes an operation of the user terminal touching the NFC tag or an operation of the user terminal approaching the NFC tag. Specifically, in response to the second approach operation, the application identifier of the payment application supported by the NFC tag is transmitted to the user terminal through NFC technology to trigger the user terminal to display the application identifier; and the application information of the payment application selected by the user terminal is transmitted to the user terminal through NFC technology. The application identifier may include but is not limited to the application name, application icon, etc.

[0046] In some examples, application identifiers are displayed on the user terminal in sequence at intervals. Near field operations also include operations in which the user terminal moves away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation. The user terminal's moving away from the NFC tag includes an operation in which the user terminal moves away from the NFC tag to disconnect the NFC communication connection between the user terminal and the NFC tag. When the user terminal is close to the NFC tag, the NFC tag transmits the application identifier of the payment application supported by the acceptance device to the user terminal, and the user terminal displays the application identifier in sequence at time intervals. The time interval can be set according to the scenario, needs, experience, etc. For example, the time interval can be 2 seconds, that is, the application identifier displayed on the user terminal is switched every 2 seconds. For example, Figure 5 A schematic diagram of an example of a user terminal carousel application identifier provided in an embodiment of the present application, such as Figure 5 As shown, the user terminal 11 now displays three application icons of payment applications, namely APP1, APP2 and APP3; Figure 5 At the time point shown, APP2 is in the main position on the display screen of the user terminal 11, and it can be considered that APP2 is displayed at this time; at the previous time point, APP1 is in the main position on the display screen of the user terminal 11; at the next time point, APP3 is in the main position on the display screen of the user terminal 11. The NFC tag may include an induction coil 31 and a processing chip 34, and the processing chip 34 includes a computing unit 342 and a storage unit 343. The private data storage area 1 in the storage unit 343 stores the application information of the payment application of the application icon APP1, the private data storage area 2 stores the application information of the payment application of the application icon APP2, and the private data storage area 3 stores the application information of the payment application of the application icon APP3. The computing unit 342 can obtain the application information of the corresponding payment application from the storage unit 343 through a pointer. The NFC tag can transmit application information of payment applications supported by the acceptance device in sequence. When the user terminal moves away from the NFC tag and the NFC communication connection between the user terminal and the NFC tag is disconnected, the payment application corresponding to the application identifier displayed by the user terminal at this time is determined as the target payment application. Before the NFC communication connection is disconnected, the user terminal can receive application information of the payment application corresponding to the application identifier being displayed by the user terminal, thereby automatically calling up the target payment application.

[0047] In other examples, the application identifier is displayed in a list on the user terminal, and the list displayed by the user terminal includes all application identifiers transmitted to the user terminal by the NFC tag. The near field operation may also include an application selection operation performed by the user terminal on the NFC tag in response to the user's selection input of the list. The user terminal can accept the user's selection input to select the application identifier in the list, that is, select the target payment application, and then obtain the application information of the target payment application from the NFC tag. The application information of the payment application selected by the user terminal includes the application information of the payment application selected by the selection input in the list. After the user terminal interacts with the NFC tag of a merchant's acceptance device for the first time and determines the target payment application according to the user's selection input, the corresponding relationship between the application information of the target payment application and the merchant identifier in the NFC tag can be configured and stored in the user terminal. When the user terminal interacts with the NFC tag of the merchant's acceptance device again later, the user terminal can query the locally stored corresponding relationship. If the merchant identifier exists in the corresponding relationship, the payment application with the corresponding relationship with the merchant identifier is automatically called, and the payment application can be regarded as the target payment application.

[0048] In some other embodiments, the NFC tag also stores tag positioning information, and the tag positioning information can represent the position of the NFC tag. The near field operation may include a third approach operation of the user terminal to the NFC tag, and the third approach operation includes an operation of the user terminal approaching the NFC tag. In response to the third approach operation, the acceptance device may transmit the tag positioning information to the user terminal through the NFC technology, so that the user terminal determines the relative position of the NFC tag and the user terminal according to the tag positioning information and the posture information of the user terminal; and transmits the application information of the payment application corresponding to the relative position to the user terminal through the NFC technology. When the user terminal approaches the NFC tag, the posture of the user terminal may be different; different postures of the user terminal will result in different relative positions between the user terminal and the NFC tag. The user terminal has a motion sensor, and the posture information can be collected through the motion sensor. The posture information of the user terminal may include but is not limited to the inclination angle of the user terminal, the orientation of the user terminal, etc. In order to facilitate the user to select the corresponding payment application, the acceptance device may be provided with guidance information to guide the user to perform the third approach operation, and guide the user to place the user terminal in a suitable position. The NFC tag transmits tag location information to the user terminal. The user terminal can determine the relative position of the NFC tag and the user terminal based on the tag location information and the user terminal's posture information. That is, the NFC tag is used as a reference to call up the corresponding payment application based on the relative position of the user terminal and the NFC tag. For example, Figure 6 A schematic diagram of an example of the relative position of a user terminal and an NFC tag provided in an embodiment of the present application, such as Figure 6As shown, the user terminal 11a is parallel to the NFC tag 123, which may correspond to payment application 1; the user terminal 11b is at a 45-degree angle to the NFC tag 123, which may correspond to payment application 2; the user terminal 11c is perpendicular to the NFC tag 123, which may correspond to payment application 3; when the user terminal is at the position of user terminal 11a, the user terminal may activate payment application 1; when the user terminal is at the position of user terminal 11b, the user terminal may activate payment application 2; when the user terminal is at the position of user terminal 11c, the user terminal may activate payment application 3.

[0049] In some examples, information such as tag positioning information can be written into the acceptance device in advance. Specifically, the acceptance device can write the tag positioning information obtained by the calibration device based on the posture information of the calibration device, as well as the application information of the payment application corresponding to the different posture information of the calibration device. The calibration device may include but is not limited to mobile phones, tablet computers, smart watches, smart bracelets or other professional equipment. The calibration device can be placed in various different positions relative to the NFC tag. At each position, the calibration device can set the tag positioning information according to the posture information of the calibration device, and write the tag positioning information, the posture information of the calibration device, and the application information of the payment application corresponding to the calibration device in different postures into the NFC tag, so that when the NFC tag is triggered, it can automatically call up the payment application corresponding to the relative position of the NFC tag and the user terminal, that is, the target payment application.

[0050] In some further embodiments, the NFC tag transmits control information of the intermediate control to the user terminal. The control information of the intermediate control is used to enable the user terminal to call up the intermediate control, and the intermediate control is used to display the application identifier of the payment application supported by the acceptance device so that the user can determine the target payment application based on the application identifier, or the intermediate control is used to call up the target payment application based on pre-configured configuration information. The user terminal calls up the intermediate control according to the control information, and the intermediate control can call up the target payment application when it is running. In some examples, the intermediate control can display a list when it is running, and the list includes the application identifiers of the payment applications supported by the acceptance device, and the user can input the target payment application into the user terminal to select the target payment application. In other examples, the configuration information can be set in advance, and the configuration information records the correspondence between the intermediate control and the payment application. When the intermediate control is running, it will automatically call up the pre-configured payment application with the corresponding relationship, that is, the target payment application.

[0051] In some embodiments, the NFC tag also stores a tag identifier. The NFC tag can transmit the tag identifier to the user terminal, and the user terminal can obtain the corresponding merchant's preferential information according to the tag identifier, so as to use the preferential information in this payment. Specifically, the acceptance device can also transmit the tag identifier to the user terminal through NFC technology in response to the near field operation. The tag identifier is used to enable the user terminal to obtain the target preferential token. The target preferential token corresponds to the tag identifier. The payment information in the payment code includes the target preferential token, which is pre-cached by the user terminal or obtained by the user terminal from the background system. The correspondence between the preferential token and the tag identifier can be established in advance. The preferential token can indicate the preferential information, can be a substitute value for the preferential information, can be composed of multiple digits, other characters, etc., and the preferential token is unique. The preferential information may include but is not limited to electronic red envelopes, full-reduction electronic coupons, category coupons, etc. The correspondence between the preferential token and the tag identifier can be stored locally in the user terminal or in the background system of the payment application. The target preferential token is the preferential token corresponding to the tag identifier.

[0052] In some examples, the target discount token can be obtained online or offline before this NFC payment, and the target discount token is used in this payment. For example, the user can obtain the target discount token online in advance through the user terminal, and cache it in the user terminal for use when the user terminal and the acceptance device make NFC payment later; or, the user can obtain the target discount token from the NFC tag through the user terminal and the acceptance device through near field operation, but the target discount token may not be used in the NFC payment this time, and the target discount token may be cached in the user terminal first for use when the user terminal and the acceptance device make NFC payment again later, that is, the discount information indicated by the target discount token is used in this NFC payment.

[0053] In some examples, the target discount token can be collected and used in this payment process. When the user terminal receives the tag identifier transmitted by the NFC tag, it can query the correspondence between the discount token and the tag identifier locally, or query the correspondence between the discount token and the tag identifier from the background system of the target payment application, obtain the discount token corresponding to the transmitted tag identifier, that is, the target discount token, and use the target discount token in this NFC payment, that is, use the discount information indicated by the target discount token in this NFC payment.

[0054] In the NFC payment process of the above embodiment, the user terminal displays the payment code containing the target discount token. The acceptance device scans the payment code and can read the target discount token contained in the payment code. The acceptance device interacts with the payment platform to use the discount information indicated by the target discount token to make payments and complete the deduction of the discount account and the user's payment account. In the process of using the target discount token for payment, the validity of the target discount token can be verified. The validity of the target discount token may include whether the target discount token has exceeded the validity period and whether the target discount token has been used. If the target discount token is valid, the target discount token is used for payment; if the target discount token is invalid, the target discount token does not participate in the payment, and the invalid target discount token can also be deleted synchronously. If the user does not want to use the discount information for this payment, he or she can also choose not to use the discount information, that is, the target discount token does not participate in this payment.

[0055] In some examples, the target discount token is also used to enable the user terminal to make payment using a payment account that has a corresponding relationship with the target discount token. Since the issuer of the discount information is different, the corresponding relationship between the discount token and the payment account can be pre-established according to the issuer of the discount information. For example, if the discount information is a coupon for 10 yuan off for purchases over 100 yuan issued by bank A1, then the discount information corresponds to the payment card B1 issued by bank A1. The corresponding relationship between the discount token and the payment account can be stored locally in the user terminal. After obtaining the target discount token, the user terminal can query the corresponding relationship between the discount token and the payment account locally, obtain the payment account corresponding to the target discount token, and automatically determine the corresponding payment account as the payment account for this payment. The corresponding relationship between the discount token and the payment account can also be stored in the backend system of the payment platform or the user terminal. After obtaining the target discount token, the user terminal queries the corresponding relationship between the discount token and the payment account from the payment platform or the backend system, obtains the payment account corresponding to the target discount token, and automatically determines the corresponding payment account as the payment account for this payment. In some cases, the user terminal may also receive the user's input operation and select a payment account other than the payment account corresponding to the target discount token as the payment account used for this payment. In this case, the target discount token does not participate in this payment. If the payment amount of this payment is less than the discount amount of the discount information indicated by the target discount token, the target discount token can be returned, the target discount token does not participate in this payment, and the target discount token can be used in subsequent payments.

[0056] A second aspect of the present application provides a payment method based on an NFC tag, which is applied to a user terminal, that is, the payment method based on the NFC tag is executed by the user terminal. Figure 7 A flow chart of a payment method based on an NFC tag provided in another embodiment of the present application is as follows: Figure 7 As shown, the NFC tag-based payment method may include steps S401 to S404.

[0057] In step S401, a near field operation is performed on the NFC tag of the receiving device.

[0058] The NFC tag stores application information of at least two payment applications or control information of an intermediate control.

[0059] In step S402, application information of a payment application or control information of an intermediate control corresponding to a near field operation transmitted by an NFC tag through NFC technology is received.

[0060] In step S403, the target payment application is called up according to the obtained application information of the payment application or the target payment application is called up through an intermediate control.

[0061] The target payment application is one of at least two payment applications supported by the acceptance device.

[0062] In step S404, the payment code is displayed through the target payment application so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

[0063] In an embodiment of the present application, the acceptance device is provided with an NFC tag, and the NFC tag stores application information of at least two payment applications or control information of an intermediate control. The user terminal approaches the acceptance device to perform near-field operations, triggering the NFC tag to transmit application information or control information to the user terminal through NFC technology. The user terminal can automatically call up a payment application, namely the target payment application, among the payment applications supported by the acceptance device according to the transmitted application information or control information, and use the scanned payment function of the target payment application to display the payment code so that the acceptance device scans the payment code and executes the scanned payment process. During the NFC payment process, the user terminal can call up the payment application corresponding to the near-field operation, namely the target payment application, from among the multiple payment applications supported by the acceptance device. The payment application that the user terminal can automatically call up in the NFC payment scenario is no longer a fixed one. Multiple payment applications supported by the acceptance device can be automatically called up by the user terminal, which can expand the user terminal's choice of payment applications during the NFC automatic payment process, enrich the payment methods, and improve the flexibility of NFC payment. Moreover, after calling up the target payment application, the target payment application displays the payment code and executes the scanned payment process in the scan code payment. The scanned payment process can follow the scanned payment process of the current merchant MIS system, without the need to modify the merchant MIS system, reducing the modification cost and promotion difficulty.

[0064] In some embodiments, the NFC tag includes at least two induction coils, each of which corresponds to a payment application. The near field operation includes a first approach operation of the user terminal to an induction coil. The above step S401 can be specifically refined as follows: performing a first approach operation on the NFC tag, triggering the approached induction coil to generate current to activate the corresponding control identifier, so that the acceptance device obtains the application information of the payment application in the storage area corresponding to the control identifier, and transmits it to the user terminal through NFC technology.

[0065] In some other embodiments, the NFC tag also stores an application identifier of a supported payment application. The near field operation includes a second approach operation of the user terminal to the NFC tag. The user terminal may also receive the application identifier of the payment application supported by the NFC tag transmitted by the acceptance device through NFC technology when performing the second approach operation; and display the application identifier according to the application identifier.

[0066] The above step S402 can be specifically refined as: receiving application information of the payment application selected by the user terminal transmitted by the NFC tag through the NFC technology.

[0067] In some examples, the above step S404 can be specifically refined as follows: displaying application identifiers in sequence at intervals, the near field operation also includes a user terminal's operation of moving away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation; or, displaying a list including application identifiers, the near field operation also includes an application selection operation performed by the user terminal on the NFC tag in response to the user's selection input of the list, and the application information of the payment application selected by the user terminal includes the application information of the payment application selected by the selection input in the list.

[0068] In some other embodiments, the NFC tag also stores tag location information. The near field operation includes a third approach operation of the user terminal to the NFC tag. The user terminal can also receive tag location information transmitted by the receiving device through NFC technology when performing the third approach operation; and determine the relative position of the NFC tag and the user terminal based on the tag location information and the posture information of the user terminal.

[0069] The above step S402 may be specifically detailed as: receiving application information of the payment application corresponding to the relative position transmitted by the NFC tag through the NFC technology.

[0070] In some examples, the tag positioning information and the application information of the payment application are pre-written by the calibration device, the tag positioning information is obtained according to the posture information of the calibration device, and different posture information of the calibration device respectively corresponds to the application information of the payment application.

[0071] In some further embodiments, the above step S403 may be specifically refined as follows: calling up the intermediate control in the user terminal according to the control information; displaying a list of application identifiers of payment applications supported by the acceptance device through the intermediate control, and determining the application identifier of the target payment application from the list according to the user's input operation; or, calling up the target payment application through the intermediate control according to pre-configured configuration information.

[0072] In some embodiments, the NFC tag also stores a tag identifier. The user terminal can also receive the tag identifier transmitted by the NFC tag through NFC technology in response to the near field operation; obtain the target discount token corresponding to the tag identifier, and the payment information in the payment code includes the target discount token, which is pre-cached by the user terminal or obtained by the user terminal from the background system.

[0073] In some examples, the payment account used by the acceptance device to scan the payment code for payment has a corresponding relationship with the target discount token.

[0074] In some examples, the application information includes the uniform resource locator URL information and / or application package information of the payment application. The control information includes the URL information and / or application package information of the intermediate control. The NFC tag also stores a merchant identifier.

[0075] For the specific content of the payment method of the NFC tag applied to the user terminal, please refer to the relevant description in the above embodiment. All implementation methods in the above embodiment of the payment method of the NFC tag applied to the acceptance device are applicable to the embodiment of the payment method of the NFC tag applied to the user terminal, and can achieve the same technical effect, which will not be repeated here.

[0076] The third aspect of the present application provides a receiving device. Figure 8 A schematic diagram of the structure of an example receiving device provided in this application, such as Figure 8 As shown, the acceptance device 500 may include an NFC tag 501 and a scanning module 502 .

[0077] The NFC tag 501 can be used to respond to the user terminal's near field operation of the NFC tag, and transmit the application information of the payment application or the control information of the intermediate control corresponding to the near field operation to the user terminal through the NFC technology, so that the user terminal can call up the target payment application according to the obtained application information of the payment application or call up the target payment application through the intermediate control. The target payment application is one of the at least two payment applications supported by the acceptance device.

[0078] The scanning module 502 may be used to scan a payment code displayed by a target payment application invoked by a user terminal, and make payment based on payment information in the payment code.

[0079] In some embodiments, the NFC tag 501 includes at least two induction coils, each induction coil corresponds to a payment application, and the near field operation includes a first approach operation of the user terminal to one of the induction coils.

[0080] The NFC tag 501 can be specifically used to: in response to a first approach operation, obtain a control identifier activated by the current generated by the approached induction coil being triggered; obtain application information of the payment application in the storage area corresponding to the control identifier, and transmit it to the user terminal through NFC technology.

[0081] In some other embodiments, the NFC tag 501 further stores an application identifier of a supported payment application, and the near field operation includes a second approach operation of the user terminal to the NFC tag 501 .

[0082] The NFC tag 501 can be specifically used to: in response to the second proximity operation, transmit the application identifier of the payment application supported by the NFC tag to the user terminal via NFC technology to trigger the user terminal to display the application identifier; and transmit the application information of the payment application selected by the user terminal to the user terminal via NFC technology.

[0083] In some examples, the application identification is displayed on the user terminal in sequence at intervals, the near field operation also includes a user terminal moving away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation. Alternatively, the application identification is displayed on the user terminal in a list format, the near field operation also includes an application selection operation performed by the user terminal on the NFC tag in response to a user selection input on the list, and the application information of the payment application selected by the user terminal includes the application information of the payment application selected by the selection input in the list.

[0084] In some further embodiments, the NFC tag 501 further stores tag location information, and the near field operation includes a third approach operation of the user terminal to the NFC tag 501 .

[0085] The NFC tag 501 can be specifically used for: in response to a third proximity operation, transmitting tag positioning information to a user terminal via NFC technology, so that the user terminal determines the relative position of the NFC tag and the user terminal based on the tag positioning information and the posture information of the user terminal; and transmitting application information of a payment application corresponding to the relative position to the user terminal via NFC technology.

[0086] In some examples, the acceptance device 500 may further include a writing module. The writing module may be used to write the tag positioning information obtained by the calibration device according to the posture information of the calibration device, and the application information of the payment application corresponding to the different posture information of the calibration device.

[0087] In some further embodiments, the control information of the intermediate control is used to enable the user terminal to call up the intermediate control, and the intermediate control is used to display a list of application identifiers of payment applications supported by the acceptance device so that the user can determine the target payment application based on the application identifier, or the intermediate control is used to call up the target payment application based on pre-configured configuration information.

[0088] In some embodiments, the NFC tag 501 also stores a tag identifier. The NFC tag 501 can also be used to: in response to a near field operation, transmit the tag identifier to the user terminal through NFC technology, and the tag identifier is used to enable the user terminal to obtain a target discount token, the target discount token corresponds to the tag identifier, and the payment information in the payment code includes the target discount token, which is pre-cached by the user terminal or obtained by the user terminal from the background system.

[0089] In some examples, the target discount token is also used to enable the user terminal to make payment using a payment account that has a corresponding relationship with the target discount token.

[0090] In some examples, the application information includes uniform resource locator URL information and / or application package information of the payment application; the control information includes URL information and / or control package information of the intermediate control; and the NFC tag also stores a merchant identifier.

[0091] It should be noted that the acceptance device 500 is a device corresponding to the NFC tag-based payment method of the first aspect mentioned above. All implementation methods in the above method embodiments are applicable to the embodiments of the acceptance device 500 and can achieve the same technical effects.

[0092] A fourth aspect of the present application provides a user terminal. Fig. 9 A schematic diagram of the structure of a user terminal provided in an embodiment of the present application is shown in FIG. Fig. 9 As shown, the user terminal 600 may include an NFC communication module 601 , a processing module 602 and a display module 603 .

[0093] The NFC communication module 601 can be used to perform near field operations on the NFC tag of the acceptance device; and to receive application information of the payment application or control information of the intermediate control corresponding to the near field operation transmitted by the NFC tag through NFC technology. The NFC tag stores application information of at least two payment applications or control information of the intermediate control.

[0094] The processing module 602 may be used to call up a target payment application according to the obtained application information of the payment application or call up a target payment application through an intermediate control, where the target payment application is one of at least two payment applications supported by the acceptance device.

[0095] The display module 603 may be used to display the payment code through the target payment application, so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

[0096] In some embodiments, the NFC tag includes at least two induction coils, each induction coil corresponds to a payment application, and the near field operation includes a first approach operation of the user terminal to one of the induction coils.

[0097] The NFC communication module 601 can be specifically used to: perform a first approach operation on the NFC tag, trigger the approached induction coil to generate current to activate the corresponding control identifier, enable the acceptance device to obtain the application information of the payment application in the storage area corresponding to the control identifier, and transmit it to the user terminal through NFC technology.

[0098] In some other embodiments, the NFC tag further stores an application identifier of a supported payment application, and the near field operation includes a second approach operation of the user terminal to the NFC tag.

[0099] The NFC communication module 601 may also be used to: when performing the second approach operation, receive an application identifier of a payment application supported by the NFC tag transmitted by the acceptance device through the NFC technology.

[0100] The display module 603 may also be used to: display the application identifier according to the application identifier.

[0101] The NFC communication module 601 may be specifically used to receive application information of a payment application selected by a user terminal and transmitted from an NFC tag via NFC technology.

[0102] In some examples, the display module 603 can be specifically used to: display application identifiers in sequence at intervals, the near field operation also includes a user terminal's operation of moving away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation; or, display a list including application identifiers, the near field operation also includes an application selection operation performed by the user terminal on the NFC tag in response to the user's selection input of the list, and the application information of the payment application selected by the user terminal includes the application information of the payment application selected in the list by the selection input.

[0103] In some further embodiments, the NFC tag further stores tag location information, and the near field operation includes a third approach operation of the user terminal to the NFC tag.

[0104] The NFC communication module 601 can also be used to: receive tag location information transmitted from the receiving device through NFC technology when performing the third approach operation.

[0105] The processing module 602 may also be used to determine the relative position of the NFC tag and the user terminal according to the tag positioning information and the posture information of the user terminal.

[0106] The NFC communication module 601 may be specifically used to receive application information of a payment application corresponding to a relative position transmitted from an NFC tag through NFC technology.

[0107] In some examples, the tag positioning information and the application information of the payment application are pre-written by the calibration device, the tag positioning information is obtained according to the posture information of the calibration device, and different posture information of the calibration device respectively corresponds to the application information of the payment application.

[0108] In some further embodiments, the processing module 602 may be specifically used to: call up the intermediate control in the user terminal according to the control information; display a list of application identifiers of payment applications supported by the acceptance device through the intermediate control, and determine the application identifier of the target payment application from the list according to the user's input operation; or, call up the target payment application through the intermediate control according to pre-configured configuration information.

[0109] In some embodiments, the NFC tag also stores a tag identifier. The user terminal 600 may also include a Token acquisition module.

[0110] The NFC communication module 601 may also be used to: in response to a near field operation, receive a tag identification transmitted from an NFC tag through NFC technology.

[0111] The Token acquisition module can be used to: acquire a target discount Token corresponding to the tag identifier, the payment information in the payment code includes the target discount Token, and the target discount Token is pre-cached by the user terminal or obtained by the user terminal from the background system.

[0112] In some examples, the payment account used by the acceptance device to scan the payment code for payment has a corresponding relationship with the target discount token.

[0113] In some examples, the application information includes uniform resource locator URL information and / or application package information of the payment application; the control information includes URL information and / or application package information of the intermediate control; and the NFC tag also stores a merchant identifier.

[0114] It should be noted that the user terminal 600 is a device corresponding to the NFC tag-based payment method of the second aspect mentioned above. All implementation methods in the method embodiment of the NFC tag-based payment method of the second aspect mentioned above are applicable to the embodiment of the user terminal 600 and can achieve the same technical effect.

[0115] The fifth aspect of the present application also provides an acceptance device. Fig.10 A schematic diagram of the structure of an acceptance device provided in another embodiment of the present application is shown in FIG. Fig.10 As shown, the receiving device 700 includes a memory 701 , a processor 702 , and a computer program stored in the memory 701 and executable on the processor 702 .

[0116] In some examples, the processor 702 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0117] The memory 701 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the payment method based on the NFC tag in the embodiment of the first aspect of the present application.

[0118] The processor 702 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 701, so as to implement the NFC tag-based payment method of the first aspect in the above embodiment.

[0119] In some examples, the receiving device 700 may also include a communication interface 703 and a bus 704. Fig.10 As shown, the memory 701, the processor 702, and the communication interface 703 are connected via a bus 704 and communicate with each other.

[0120] The communication interface 703 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 703 can also be used to access input devices and / or output devices.

[0121] The bus 704 includes hardware, software, or both, coupling the components of the receiving device 700 to each other. By way of example and not limitation, the bus 704 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of these. Where appropriate, the bus 704 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0122] A sixth aspect of the present application provides a user terminal, which may include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0123] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the NFC tag-based payment method in the embodiment of the second aspect of the present application.

[0124] The processor runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the NFC tag-based payment method in the above-mentioned second aspect embodiment.

[0125] In some examples, the user terminal may also include a communication interface and a bus, and the memory, processor, and communication interface are connected through the bus to communicate with each other.

[0126] The connection between the memory, processor, communication interface, and bus in the user terminal and the specific implementation methods can be found in the relevant description in the embodiment of the acceptance device of the fifth aspect above, and will not be repeated here.

[0127] In a seventh aspect, the present application provides a payment system based on an NFC tag, which may include an acceptance terminal and a user terminal. The acceptance device has a near field communication NFC tag, and the NFC tag stores application information of at least two payment applications or control information of an intermediate control. The acceptance device is used to execute the payment method based on the NFC tag of the first aspect. The user terminal is used to execute the payment method based on the NFC tag of the second aspect. The specific contents of the acceptance device and the user terminal can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0128] In an eighth aspect of the present application, a computer-readable storage medium is provided, on which a computer program instruction is stored. When the computer program instruction is executed by a processor, the NFC tag-based payment method in the first aspect embodiment or the NFC tag-based payment method in the second aspect embodiment can be implemented, and the same technical effect can be achieved. To avoid repetition, it is not repeated here. Among them, the above-mentioned computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (Read-Only Memory, referred to as ROM), a random access memory (RandomAccess Memory, referred to as RAM), a disk or an optical disk, etc., which is not limited here.

[0129] In a ninth aspect, the present application provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the NFC tag-based payment method in the first aspect embodiment or the NFC tag-based payment method in the second aspect embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0130] It should be clear that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. For the acceptance device embodiment, user terminal embodiment, system embodiment, computer-readable storage medium embodiment, and computer program product embodiment, the relevant parts can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0131] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0132] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A payment method based on NFC tag, characterized in that: Applied to an acceptance device, the acceptance device has a near field communication NFC tag, the NFC tag stores application information of at least two payment applications or control information of an intermediate control, the method includes: In response to a near-field operation of the user terminal on the NFC tag, application information of the payment application or control information of the intermediate control corresponding to the near-field operation is transmitted to the user terminal through NFC technology, so that the user terminal calls up a target payment application according to the obtained application information of the payment application or calls up the target payment application through the intermediate control, and the target payment application is one of the at least two payment applications supported by the acceptance device; Scan the payment code displayed by the target payment application called up by the user terminal, and make payment based on the payment information in the payment code.

2. The method according to claim 1, characterized in that The NFC tag includes at least two induction coils, each induction coil corresponds to a payment application, and the near field operation includes a first approach operation of the user terminal to one of the induction coils; In response to the user terminal's near field operation on the NFC tag, transmitting application information of the payment application or control information of the intermediate control corresponding to the near field operation to the user terminal through the NFC technology, includes: In response to the first approach operation, obtaining a control flag of current activation generated by the approached induction coil being triggered; The application information of the payment application in the storage area corresponding to the control identifier is obtained, and transmitted to the user terminal through NFC technology.

3. The method according to claim 1, characterized in that The NFC tag also stores an application identifier of a supported payment application, and the near field operation includes a second approach operation of the user terminal to the NFC tag; In response to the user terminal's near field operation on the NFC tag, transmitting application information of the payment application or control information of the intermediate control corresponding to the near field operation to the user terminal through the NFC technology, includes: In response to the second approach operation, transmitting the application identifier of the payment application supported by the NFC tag to the user terminal through the NFC technology to trigger the user terminal to display the application identifier; The application information of the payment application selected by the user terminal is transmitted to the user terminal through the NFC technology.

4. The method according to claim 3, characterized in that: The application identification is displayed on the user terminal in sequence at intervals, the near field operation also includes an operation of the user terminal moving away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation; or, The application identification is displayed on the user terminal in a list format, the near field operation also includes an application selection operation performed by the user terminal on the NFC tag in response to a user selection input of the list, and the application information of the payment application selected by the user terminal includes the application information of the payment application selected in the list by the selection input.

5. The method according to claim 1, characterized in that: The NFC tag also stores tag location information, and the near field operation includes a third approach operation of the user terminal to the NFC tag; In response to the user terminal's near field operation on the NFC tag, transmitting application information of the payment application or control information of the intermediate control corresponding to the near field operation to the user terminal through the NFC technology, includes: In response to the third approach operation, transmitting the tag positioning information to the user terminal through NFC technology, so that the user terminal determines the relative position of the NFC tag and the user terminal according to the tag positioning information and the posture information of the user terminal; The application information of the payment application corresponding to the relative position is transmitted to the user terminal through NFC technology.

6. The method according to claim 5, characterized in that Also includes: The tag positioning information obtained by the calibration device according to the posture information of the calibration device and the application information of the payment application corresponding to the different posture information of the calibration device are written.

7. The method according to claim 1, characterized in that The control information of the intermediate control is used to enable the user terminal to call up the intermediate control, and the intermediate control is used to display a list of application identifiers of payment applications supported by the acceptance device so that the user can determine the target payment application based on the application identifier, or the intermediate control is used to call up the target payment application based on pre-configured configuration information.

8. The method according to claim 1, characterized in that The NFC tag also stores a tag identifier; The method further comprises: In response to the near field operation, the tag identifier is transmitted to the user terminal through NFC technology, and the tag identifier is used to enable the user terminal to obtain a target discount token, and the target discount token corresponds to the tag identifier. The payment information in the payment code includes the target discount token, and the target discount token is pre-cached by the user terminal or obtained by the user terminal from a background system.

9. The method according to claim 8, characterized in that The target preferential token is also used to enable the user terminal to make payment using a payment account that has a corresponding relationship with the target preferential token.

10. The method according to any one of claims 1 to 9, characterized in that The application information includes the uniform resource locator URL information and / or application package information of the payment application; The control information includes URL information and / or control package information of the intermediate control; The NFC tag also stores a merchant identification.

11. A payment method based on NFC tag, characterized in that: Applied to a user terminal, the method comprises: Performing a near field operation on an NFC tag of the acceptance device, where the NFC tag stores application information of at least two payment applications or control information of an intermediate control; Receiving application information of a payment application or control information of an intermediate control corresponding to the near field operation transmitted by the NFC tag through NFC technology; Invoke a target payment application according to the obtained application information of the payment application or invoke the target payment application through an intermediate control, wherein the target payment application is one of at least two payment applications supported by the acceptance device; The payment code is displayed through the target payment application so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

12. The method according to claim 11, characterized in that The NFC tag includes at least two induction coils, each induction coil corresponds to a payment application, and the near field operation includes a first approach operation of the user terminal to one of the induction coils; The performing of a near field operation on the NFC tag of the receiving device includes: A first approach operation is performed on the NFC tag to trigger the induction coil that is approached to generate current to activate the corresponding control identifier, so that the acceptance device obtains the application information of the payment application in the storage area corresponding to the control identifier and transmits it to the user terminal through NFC technology.

13. The method according to claim 11, characterized in that The NFC tag also stores an application identifier of a supported payment application, and the near field operation includes a second approach operation of the user terminal to the NFC tag; The method further comprises: In the case of performing the second approach operation, receiving the application identifier of the payment application supported by the NFC tag transmitted by the acceptance device through the NFC technology; and displaying the application identifier according to the application identifier; The receiving application information of the payment application or control information of the intermediate control corresponding to the near field operation transmitted by the NFC tag through the NFC technology includes: Receive application information of the payment application selected by the user terminal and transmitted by the NFC tag through NFC technology.

14. The method according to claim 13, characterized in that The displaying of the application identifier according to the application identifier includes: The application identifiers are displayed in sequence at intervals, the near field operation further includes an operation of the user terminal moving away from the NFC tag, and the application information of the payment application selected by the user terminal includes the application information of the payment application displayed by the user terminal at the time of the moving away operation; or, A list including the application identifiers is displayed, the near field operation also includes an application selection operation performed by the user terminal on the NFC tag in response to a user selection input on the list, and the application information of the payment application selected by the user terminal includes the application information of the payment application selected in the list by the selection input.

15. The method according to claim 11, characterized in that The NFC tag also stores tag location information, and the near field operation includes a third approach operation of the user terminal to the NFC tag; The method further comprises: When performing the third approach operation, receiving the tag location information transmitted by the receiving device through NFC technology; Determining a relative position between the NFC tag and the user terminal according to the tag positioning information and the posture information of the user terminal; The receiving application information of the payment application or control information of the intermediate control corresponding to the near field operation transmitted by the NFC tag through the NFC technology includes: Receive application information of a payment application corresponding to the relative position, which is transmitted by the NFC tag through NFC technology.

16. The method according to claim 15, characterized in that The tag positioning information and the application information of the payment application are pre-written by the calibration device. The tag positioning information is obtained according to the posture information of the calibration device. Different posture information of the calibration device respectively corresponds to the application information of the payment application.

17. The method according to claim 11, characterized in that The calling up the target payment application according to the obtained application information of the payment application or calling up the target payment application through the intermediate control includes: Invoke the intermediate control in the user terminal according to the control information; A list of application identifiers of payment applications supported by the acceptance device is displayed through an intermediate control, and the application identifier of the target payment application is determined from the list according to the user's input operation; or, the target payment application is called up through the intermediate control according to pre-configured configuration information.

18. The method according to claim 11, characterized in that The NFC tag also stores a tag identifier; The method further comprises: In response to the near field operation, receiving the tag identifier transmitted by the NFC tag through NFC technology; A target discount token corresponding to the tag identifier is obtained, wherein the payment information in the payment code includes the target discount token, and the target discount token is pre-cached by the user terminal or obtained by the user terminal from a background system.

19. The method according to claim 18, characterized in that The payment account used by the acceptance device to scan the payment code for payment has a corresponding relationship with the target discount Token.

20. The method according to any one of claims 11 to 19, characterized in that The application information includes the uniform resource locator URL information and / or application package information of the payment application; The control information includes URL information and / or application package information of the intermediate control; The NFC tag also stores a merchant identification.

21. A receiving device, characterized in that: The acceptance device has a near field communication NFC tag, and the NFC tag stores application information of at least two payment applications or control information of an intermediate control. The acceptance device includes: The NFC tag is used to transmit application information of the payment application or control information of the intermediate control corresponding to the near-field operation to the user terminal through the NFC technology in response to the near-field operation of the user terminal on the NFC tag, so that the user terminal calls up a target payment application according to the obtained application information of the payment application or calls up the target payment application through the intermediate control, and the target payment application is one of the at least two payment applications supported by the acceptance device; The scanning module is used to scan the payment code displayed by the target payment application called up by the user terminal, and make payment based on the payment information in the payment code.

22. A user terminal, characterized in that: include: An NFC communication module, used to perform near field operations on an NFC tag of an acceptance device, wherein the NFC tag stores application information of at least two payment applications or control information of an intermediate control; and receiving application information of a payment application or control information of an intermediate control corresponding to the near field operation transmitted by the NFC tag through NFC technology; A processing module, configured to call up a target payment application according to the obtained application information of the payment application or call up the target payment application through an intermediate control, wherein the target payment application is one of at least two payment applications supported by the acceptance device; The display module is used to display the payment code through the target payment application so that the acceptance device scans the payment code and makes payment based on the payment information in the payment code.

23. A receiving device, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the NFC tag-based payment method according to any one of claims 1 to 10 is implemented.

24. A user terminal, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the NFC tag-based payment method according to any one of claims 11 to 20 is implemented.

25. A payment system based on NFC tags, characterized in that: include: An acceptance device having a near field communication NFC tag, wherein the NFC tag stores application information of at least two payment applications or control information of an intermediate control, and is used to execute the NFC tag-based payment method according to any one of claims 1 to 10; A user terminal, used to execute the NFC tag-based payment method as described in any one of claims 11 to 20.

26. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by the processor, the NFC tag-based payment method according to any one of claims 1 to 20 is implemented.

27. A computer program product, characterized in that It comprises a computer program, which, when executed by a processor, implements the NFC tag-based payment method according to any one of claims 1 to 20.

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