Payment method and smart wearable device based on near field communication

Abstract

The present application relates to a payment method and smart wearable device based on near field communication, and relates to the field of communication technology. The smart wearable device includes a first payment device, a second payment device, SPI, I2C, NFCEE and an NFCEE control device, the power consumption of the first payment device is greater than the power consumption of the second payment device, and the method includes: when the first payment device switches from a stop state to a running state, the first payment device sends a first signal to the second payment device, and when the first payment device stops running, the NFCEE communicates with the second payment device through I2C; the second payment device sends a first transfer signal to the NFCEE through the NFCEE control device according to the first signal; the NFCEE transfers the payment right to the first payment device according to the first transfer signal; when the payment right is transferred to the first payment device, the NFCEE communicates with the first payment device through SPI.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of communication technology, and more specifically, to a payment method and a smart wearable device based on near field communication. Background Art

[0002] Currently, Near Field Communication (NFC) payment technology is applied to smart wearable devices and used by users as a means of electronic payment.

[0003] In reality, when users use smart wearable devices for NFC payments, they often fail to pay smoothly due to restrictions on transaction amounts, which brings many instabilities to the user's transaction process. Summary of the invention

[0004] One purpose of the embodiments of the present application is to provide a new technical solution for payment based on near field communication.

[0005] According to a first aspect of the present application, a payment method based on near field communication is provided, which is applied to a smart wearable device. The smart wearable device includes a first payment device, a second payment device, SPI, I2C, NFCEE and an NFCEE control device. The power consumption of the first payment device is greater than that of the second payment device. The method includes: the first payment device sends a first signal to the second payment device; wherein the first signal is sent when the first payment device switches from a stop state to a running state, and when the first payment device is in a stop state, NFCEE communicates with the second payment device through I2C; the second payment device sends a first transfer signal to NFCEE through the NFCEE control device according to the first signal; NFCEE transfers the payment right to the first payment device according to the first transfer signal; wherein when the payment right is transferred to the first payment device, NFCEE communicates with the first payment device through SPI.

[0006] Optionally, the NFCEE transfers the payment right to the first payment device according to the first transfer signal, including: the NFCEE closes the communication authority with I2C and opens the communication authority with SPI according to the first transfer signal.

[0007] Optionally, after NFCEE transfers the payment right to the first payment device according to the first transfer signal, the method further includes: when the first payment device fails to establish communication with NFCEE through SPI, the first payment device sends a transfer failure signal to the second payment device; the second payment device sends a restart signal to NFCEE through the NFCEE control device according to the transfer failure signal; NFCEE restarts according to the restart signal; and the first payment device re-establishes communication with the restarted NFCEE.

[0008] Optionally, after NFCEE transfers the payment right to the first payment device according to the first transfer signal, the method further includes: the first payment device sends a second signal to the second payment device; wherein the second signal is sent when the first payment device switches from a running state to a stopped running state; the second payment device sends a second transfer signal to NFCEE according to the second signal; NFCEE transfers the payment right to the second payment device according to the second transfer signal; wherein, when the payment right is transferred to the second payment device, NFCEE communicates with the second payment device via I2C.

[0009] Optionally, the first payment device is a first processor, and the second payment device is a second processor; wherein a clock frequency of the first processor is greater than a clock frequency of the second processor.

[0010] According to the second aspect of the present application, a smart wearable device is also provided, including a first payment device, a second payment device, SPI, I2C, NFCEE and an NFCEE control device, wherein the power consumption of the first payment device is greater than that of the second payment device; wherein the first payment device is used to send a first signal to the second payment device; wherein the first signal is sent when the first payment device switches from a stop state to a running state, and when the first payment device is in a stop state, NFCEE communicates with the second payment device through I2C; the second payment device is used to send a first transfer signal to NFCEE through the NFCEE control device according to the first signal; NFCEE is used to transfer the payment right to the first payment device according to the first transfer signal; wherein when the payment right is transferred to the first payment device, NFCEE communicates with the first payment device through SPI.

[0011] Optionally, NFCEE is specifically used for: NFCEE closes the communication authority with I2C and opens the communication authority with SPI according to the first transfer signal.

[0012] Optionally, the first payment device is further used to: after NFCEE is used to transfer the payment right to the first payment device according to the first transfer signal, if the first payment device fails to establish communication with NFCEE through SPI, send a transfer failure signal to the second payment device; the second payment device is further used to: send a restart signal to NFCEE through the NFCEE control device according to the transfer failure signal; the NFCEE is further used to: restart according to the restart signal; the first payment device is further used to: re-establish communication with the restarted NFCEE.

[0013] Optionally, the first payment device is further configured to: send a second signal to the second payment device after NFCEE transfers the payment right to the first payment device according to the first transfer signal; wherein the second signal is sent when the first payment device switches from a running state to a stopped running state; the second payment device is further configured to: send a second transfer signal to NFCEE according to the second signal; NFCEE is further configured to: transfer the payment right to the second payment device according to the second transfer signal; wherein, when the payment right is transferred to the second payment device, NFCEE communicates with the second payment device via I2C.

[0014] Optionally, the first payment device is a first processor, and the second payment device is a second processor; wherein a clock frequency of the first processor is greater than a clock frequency of the second processor.

[0015] One beneficial effect of the embodiments of the present application is that, when applied to a smart wearable device, the smart wearable device includes a first payment device, a second payment device, SPI, I2C, NFCEE and an NFCEE control device. The power consumption of the first payment device is greater than that of the second payment device. The communication security level of SPI is higher than that of I2C. When the first payment device switches from a stopped state to a running state, the first payment device sends a first signal to the second payment device, wherein when the first payment device is stopped, NFCEE communicates with the second payment device through I2C; the second payment device sends a first transfer signal to NFCEE through the NFCEE control device according to the first signal; NFCEE transfers the payment right to the first payment device according to the first transfer signal; when the payment right is transferred to the first payment device, NFCEE communicates with the first payment device through SPI. In the present application, NFCEE can transfer the payment right to the first payment device when the first payment device switches from a stopped operating state to a running state, so that NFCEE switches from communicating with the second payment device through I2C to communicating with the first payment device through SPI. Since the communication security level of SPI is higher than that of I2C, the security of NFC payment can be improved through the above-mentioned transfer of payment rights, thereby supporting payment transactions of larger amounts, solving the problem in the prior art that payment cannot be made smoothly due to the limitation of transaction amount when using smart wearable devices for NFC payment, and reducing the limitation of transaction amount in the NFC payment process.

[0016] Other features and advantages of the embodiments of the present application will become apparent from the following detailed description of exemplary embodiments of the present application with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate embodiments of the present application and, together with the description, serve to explain the principles of the embodiments of the present application.

[0018] Figure 1 is a schematic diagram of the structure of a smart wearable device according to some embodiments of the present application;

[0019] Figure 2 is a method flow chart of a payment method based on near field communication according to some embodiments of the present application;

[0020] Figure 3 is a method flow chart of another payment method based on near field communication according to some embodiments of the present application;

[0021] Figure 4 This is a method flow chart of yet another payment method based on near field communication according to some embodiments of the present application. DETAILED DESCRIPTION

[0022] Various exemplary embodiments of the present application will now be described in detail with reference to the accompanying drawings. It should be noted that unless otherwise specifically stated, the relative arrangement of components and steps, numerical expressions and numerical values ​​set forth in these embodiments do not limit the scope of the present application.

[0023] The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the present application, its application, or uses.

[0024] Technologies, methods, and equipment known to ordinary technicians in the relevant art may not be discussed in detail, but where appropriate, the technologies, methods, and equipment should be considered as part of the specification.

[0025] In all examples shown and discussed herein, any specific values ​​should be interpreted as merely exemplary and not limiting. Therefore, other examples of the exemplary embodiments may have different values.

[0026] It should be noted that like reference numerals and letters refer to similar items in the following figures, and therefore, once an item is defined in one figure, it need not be further discussed in subsequent figures.

[0027] At present, in smart wearable devices, the smart payment device and the power-saving payment device used for NFC payment both establish communication with the NFC Execution Environment (NFCEE) through the Inter-Integrated Circuit (I2C), that is, the smart payment device and the power-saving payment device share one I2C, and communicate with NFCEE through the I2C to realize NFC payment. Among them, when the power is high, NFC payment can be realized through the communication between the smart payment device and NFCEE; when the power is low, NFC payment can be realized through the communication between the power-saving payment device and NFCEE.

[0028] Due to the low security level of I2C communication, current NFC payments do not support transactions of larger amounts. As a result, when users use NFC payments, they often cannot complete the payment process smoothly due to the limitation of transaction amount, which brings many instabilities to the user's transaction process.

[0029] Based on the above-mentioned problems, the present application provides a payment method and a smart wearable device based on near field communication to solve the problem in the prior art that when using a smart wearable device for NFC payment, payment cannot be made smoothly due to the limitation of the transaction amount.

[0030] Hereinafter, various embodiments and examples according to the present application are described with reference to the accompanying drawings.

[0031] <Implementation environment and hardware configuration>

[0032] Figure 1 is a schematic diagram of the structure of a smart wearable device according to some embodiments of the present application. Figure 1 As shown, the smart wearable device 100 includes: a first payment device 101, a second payment device 102, a serial peripheral interface (Serial Peripheral Interface, SPI) 103, I2C ( Figure 1 The winning bid number is 104), NFCEE( Figure 1 The reference numerals are 105) and the NFCEE control device 106.

[0033] like Figure 1 As shown, the SPI is set between the first payment device 101 and the NFCEE, and the first payment device 101 can establish communication with the NFCEE through the SPI. In this case, the first payment device 101 can be used for large-value payment transactions in NFC payment.

[0034] like Figure 1As shown, I2C is set between the second payment device 102 and NFCEE, and the second payment device 102 can establish communication with NFCEE through I2C. In this case, the second payment device 102 can be used for small payment transactions in NFC payment.

[0035] A large-value payment transaction is a payment transaction whose transaction amount is greater than or equal to a preset transaction amount threshold. A small-value payment transaction is a payment transaction whose transaction amount is less than a preset transaction amount threshold. The security level required for a small-value payment transaction is lower than that required for a large-value payment transaction. The transaction amount threshold is the lowest transaction amount among the generally considered large-value transaction amounts in actual transactions, and can be specifically set by a person skilled in the art according to actual conditions.

[0036] like Figure 1 As shown, the second payment device 102 can also send a control signal to the NFCEE through the NFCEE control device 106 to achieve control over the NFCEE.

[0037] The power consumption of the first payment device 101 is greater than the power consumption of the second payment device 102 .

[0038] The first payment device 101 and the second payment device 102 may be two independent processors.

[0039] In some embodiments, the first payment device 101 is a first processor, and the second payment device 102 is a second processor, wherein the performance of the first processor is better than that of the second processor, for example, the clock frequency of the first processor is greater than the clock frequency of the second processor.

[0040] For example, the first payment device 101 is an application processor (AP) and the second payment device 102 is a micro control unit (MCU) processor.

[0041] As another example, the first payment device 101 is a first MCU processor, and the second payment device 102 is a second MCU processor; wherein the clock frequency of the first MCU processor is greater than the clock frequency of the second MCU processor.

[0042] As another example, the first payment device 101 is a first AP processor, and the second payment device 102 is a second AP processor; wherein the clock frequency of the first AP processor is greater than the clock frequency of the second AP processor.

[0043] like Figure 1 As shown, the first payment device 101 and the second payment device 102 can communicate via a dual-communication device 107 disposed therebetween.

[0044] The smart wearable device 100 may be, for example, a smart watch, a smart bracelet, a smart ring, etc. with an NFC payment function.

[0045] Based on the smart wearable device 100 provided above, an embodiment of the present application provides a payment method based on near field communication.

[0046] <Method Example>

[0047] Figure 2 1 is a method flow chart of a payment method based on near field communication according to some embodiments of the present application. The method is applied to the above-mentioned smart wearable device 100.

[0048] like Figure 2 As shown, the method includes the following steps S210 to S230.

[0049] Step S210: the first payment device sends a first signal to the second payment device; wherein the first signal is sent when the first payment device switches from a stopped state to a running state, and when the first payment device is in the stopped state, NFCEE communicates with the second payment device via I2C.

[0050] During the use of the smart wearable device 100, the second payment device 102 is always in operation, and the first payment device 101 is in a stopped operation state or in an operation state.

[0051] In the embodiment of the present application, for any one of the first payment device 101 and the second payment device 102, when the device stops working, the device is in a stopped operation state, and when the device works normally, the device is in an operating state.

[0052] It should be noted that when performing a large-value payment transaction, the first payment device 101 is in operation.

[0053] See also Figure 1 When the first payment device 101 switches from the stopped operation state to the running state, that is, when the first payment device 101 starts to work, a first signal can be sent to the second payment device 102 through the dual-cooperative communication device 107.

[0054] It should be noted that the NFCEE is provided with a payment right, and the NFCEE may allocate the payment right to the first payment device 101 or the second payment device 102 .

[0055] When NFCEE assigns the payment right to the first payment device 101, NFCEE can communicate with the first payment device 101 through SPI. When NFCEE assigns the payment right to the second payment device 102, NFCEE can communicate with the second payment device 102 through I2C.

[0056] It should be noted that when the first payment device 101 is in a stopped state, NFCEE allocates the payment right to the second payment device 102, so that NFCEE can communicate with the second payment device 102 through I2C. In this case, the smart wearable device 100 can perform small payment transactions, but cannot perform large payment transactions.

[0057] Step S220: The second payment device sends a first transfer signal to the NFCEE through the NFCEE control device according to the first signal.

[0058] See also Figure 1 After the second payment device 102 receives the first signal from the first payment device 101 through the dual-communication device 107, the second payment device 102 responds to the first signal and sends a first transfer signal to the NFCEE through the NFCEE control device 106.

[0059] Step S230: NFCEE transfers the payment right to the first payment device according to the first transfer signal; wherein, when the payment right is transferred to the first payment device, NFCEE communicates with the first payment device via SPI.

[0060] According to the first transfer signal, the NFCEE transfers the payment right to the first payment device, that is, the payment right allocated to the second payment device is taken back and allocated to the first payment device.

[0061] In some embodiments, the payment right may be a pre-set communication right. In this case, see Figure 1 , NFCEE can close the communication authority with I2C and open the communication authority with SPI, so that NFCEE no longer communicates with the second payment device 102 through I2C, but communicates with the first payment device 101 through SPI, thereby achieving the purpose of transferring the payment right to the first payment device.

[0062] Since the security level of SPI is much higher than that of I2C, the security of NFC payment is improved, thereby achieving the purpose of supporting payment transactions of larger amounts, meeting the needs of users for payment transactions of larger amounts, making users' payment transactions simpler and faster, and providing users with many conveniences.

[0063] For example, in actual situations, with the popular trend of convenient payment, users only need to wear a smart watch (in addition to smart watches, it can also be other smart wearable devices such as smart bracelets and smart rings that can perform NFC payment) when going out to conduct large-value UnionPay payment transactions safely and quickly, eliminating a series of troublesome operations, simplifying the payment process of large-value payments, and improving payment efficiency.

[0064] In some embodiments, after executing step S230, there may be a situation where the transfer of payment rights fails, resulting in the large-value payment transaction still being unable to proceed normally.

[0065] In order to solve the above problem, after executing step S230, as Figure 3 As shown, the embodiment of the present application may further perform the following steps S310 to S340 to ensure that the first payment device and the NFCEE can communicate with each other.

[0066] Step S310: When the first payment device fails to establish communication with the NFCEE via the SPI, the first payment device sends a transfer failure signal to the second payment device.

[0067] For example, see Figure 1 After sending the first signal to the second payment device 102, the first payment device 101 can detect whether it can establish communication with NFCEE through SPI within a preset time. If not, that is, it cannot establish communication with NFCEE through SPI, it is determined that the first payment device 101 fails to establish communication with NFCEE through SPI. The detection method and preset time for the first payment device to detect whether it can establish communication with NFCEE through SPI can be set by those skilled in the art according to actual conditions, and the embodiments of the present application are not limited thereto.

[0068] It can be understood that, in the embodiment of the present application, the method of determining whether the first payment device 101 fails to establish communication with NFCEE through SPI includes but is not limited to the methods listed above, as long as it can be determined whether the first payment device fails to establish communication with NFCEE through SPI.

[0069] In the case where the first payment device 101 fails to establish communication with the NFCEE via SPI, see Figure 1 , the first payment device 101 can send a transfer failure signal to the second payment device 102 through the dual-communication device 107.

[0070] Step S320: The second payment device sends a restart signal to the NFCEE through the NFCEE control device according to the transfer failure signal.

[0071] See also Figure 1 , the second payment device 102 can send a restart signal to the NFCEE through the NFCEE control device 106.

[0072] Step S330: NFCEE restarts according to the restart signal.

[0073] Step S340: The first payment device establishes communication with the restarted NFCEE.

[0074] In some examples, the first payment device directly establishes communication with the NFCEE via SPI.

[0075] For example, see Figure 1 After the NFCEE is restarted, the first payment device 101 sends a communication invitation signal to the NFCEE through the SPI. The NFCEE allocates the payment right to the first payment device 101 according to the communication invitation signal, so that the first payment device 101 establishes communication with the NFCEE through the SPI.

[0076] In some other examples, in step S340, steps S210 to S230 may be re-executed (for the specific process, refer to the corresponding description in the above embodiment, which will not be repeated here), so that the first payment device 101 establishes communication with the NFCEE through SPI.

[0077] In some embodiments, after performing a large amount payment transaction, in order to save power consumption, after executing step S230, as shown in FIG. Figure 4 As shown, the following steps S410 to S430 may also be performed.

[0078] Step S410: the first payment device sends a second signal to the second payment device; wherein the second signal is sent when the first payment device switches from a running state to a stopped running state.

[0079] refer to Figure 1 , the first payment device 101 can send a second signal to the second payment device 102 through the dual-communication device 107.

[0080] Step S420: The second payment device sends a second transfer signal to the NFCEE according to the second signal.

[0081] See also Figure 1 After receiving the second signal, the second payment device 102 may send a second transfer signal to the NFCEE through the NFCEE control device 106 in response to the second signal.

[0082] Step S430: NFCEE transfers the payment right to the second payment device according to the second transfer signal; wherein, when the payment right is transferred to the second payment device, NFCEE communicates with the second payment device via I2C.

[0083] According to the second transfer signal, the NFCEE transfers the payment right to the second payment device, that is, the payment right allocated to the first payment device is taken back and allocated to the second payment device.

[0084] In some embodiments, the payment right may be a pre-set communication right. In this case, see Figure 1, NFCEE can close the communication authority with SPI and open the communication authority with I2C, so that NFCEE no longer communicates with the first payment device 101 through SPI, but communicates with the second payment device 102 through I2C, thereby achieving the purpose of transferring the payment right to the second payment device.

[0085] It can be seen from steps S410 to S430 that the first payment device 101 can be switched from the running state to the stopped running state after completing the large-amount payment transaction. In this case, the NFCEE can transfer the payment right to the second payment device 102 so as to communicate with the second payment device 102 through I2C. Based on this, on the one hand, the normal progress of the small-amount payment transaction can be guaranteed, and on the other hand, since the power consumption of the first payment device 101 is greater than that of the second payment device 102, the purpose of reducing power consumption can also be achieved.

[0086] In summary, in the case where the first payment device and the second payment device are two independent processors, due to the high performance and high power consumption of the first payment device, SPI has a higher transmission rate and a larger bandwidth compared to I2C. Compared with the method of transmitting data only through I2C in the prior art, the embodiment of the present application can effectively improve the security and payment rate of payment, and can realize large-amount payment quickly and safely. In addition, since SPI has a higher transmission rate and a larger bandwidth than I2C, in order to minimize the high power consumption caused by such high speed and large bandwidth, the first payment device can also generate linkage with the second payment device according to the payment scenario (i.e., sending the second signal to the second payment device as mentioned above) when the payment scenario does not involve a large-amount payment transaction with high security payment requirements, so that NFCEE and the second payment device communicate through I2C to achieve the purpose of reducing power consumption.

[0087] The present application may be a system, a method and / or a computer program product. The computer program product may include a computer-readable storage medium carrying computer-readable program instructions for causing a processor to implement various aspects of the present application.

[0088] A computer-readable storage medium may be a tangible device that can hold and store instructions used by an instruction execution device. A computer-readable storage medium may be, for example, but not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples of computer-readable storage media (a non-exhaustive list) include: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a static random access memory (SRAM), a portable compact disk read-only memory (CD-ROM), a digital versatile disk (DVD), a memory stick, a floppy disk, a mechanical encoding device, such as a punch card or a raised structure in a groove on which instructions are stored, and any suitable combination of the foregoing. As used herein, a computer-readable storage medium is not to be interpreted as a transient signal per se, such as a radio wave or other freely propagating electromagnetic wave, an electromagnetic wave propagating through a waveguide or other transmission medium (e.g., a light pulse through a fiber optic cable), or an electrical signal transmitted through a wire.

[0089] The computer-readable program instructions described herein can be downloaded from a computer-readable storage medium to each computing / processing device, or downloaded to an external computer or external storage device via a network, such as the Internet, a local area network, a wide area network, and / or a wireless network. The network can include copper transmission cables, optical fiber transmissions, wireless transmissions, routers, firewalls, switches, gateway computers, and / or edge servers. The network adapter card or network interface in each computing / processing device receives the computer-readable program instructions from the network and forwards the computer-readable program instructions for storage in the computer-readable storage medium in each computing / processing device.

[0090] The computer program instructions for performing the operation of the present application can be assembly instructions, instruction set architecture (ISA) instructions, machine instructions, machine-related instructions, microcode, firmware instructions, state setting data, or source code or object code written in any combination of one or more programming languages, including object-oriented programming languages, such as Smalltalk, C++, etc., and conventional procedural programming languages, such as "C" language or similar programming languages. Computer-readable program instructions can be executed completely on the user's computer, partially on the user's computer, as an independent software package, partially on the user's computer, partially on the remote computer, or completely on the remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, using an Internet service provider to connect through the Internet). In some embodiments, by using the state information of computer-readable program instructions to personalize electronic circuits, such as programmable logic circuits, field programmable gate arrays (FPGAs) or programmable logic arrays (PLAs), the electronic circuits can execute computer-readable program instructions, thereby realizing various aspects of the present application.

[0091] Various aspects of the present application are described herein with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present application. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer-readable program instructions.

[0092] These computer-readable program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, thereby producing a machine, so that when these instructions are executed by the processor of the computer or other programmable data processing device, a device that implements the functions / actions specified in one or more boxes in the flowchart and / or block diagram is generated. These computer-readable program instructions can also be stored in a computer-readable storage medium, and these instructions cause the computer, programmable data processing device, and / or other equipment to work in a specific manner, so that the computer-readable medium storing the instructions includes a manufactured product, which includes instructions for implementing various aspects of the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0093] Computer-readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device so that a series of operating steps are performed on the computer, other programmable data processing apparatus, or other device to produce a computer-implemented process, thereby causing the instructions executed on the computer, other programmable data processing apparatus, or other device to implement the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0094] The flowchart and block diagram in the accompanying drawings show the possible architecture, function and operation of the system, method and computer program product according to multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a part of a module, program segment or instruction, and a part of the above-mentioned module, program segment or instruction contains one or more executable instructions for realizing the specified logical function. In some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart, and the combination of the boxes in the block diagram and / or flowchart can be implemented by a dedicated hardware-based system that performs a specified function or action, or can be implemented by a combination of dedicated hardware and computer instructions. It is well known to those skilled in the art that it is equivalent to implement it by hardware, implement it by software, and implement it by combining software and hardware.

[0095] The embodiments of the present application have been described above, and the above description is exemplary, not exhaustive, and is not limited to the disclosed embodiments. Many modifications and changes will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described embodiments. The selection of terms used herein is intended to best explain the principles of the embodiments, practical applications, or technical improvements in the market, or to enable other persons of ordinary skill in the art to understand the embodiments disclosed herein. The scope of the present application is defined by the appended claims.

Claims

1. A payment method based on near field communication, characterized in that: Applied to a smart wearable device, the smart wearable device includes a first payment device, a second payment device, a serial peripheral interface SPI, an integrated circuit bus I2C, a near field communication execution environment NFCEE and an NFCEE control device, the first payment device is used for large-value payment transactions, the second payment device is used for small-value payment transactions, the power consumption of the first payment device is greater than the power consumption of the second payment device, the second payment device is always in a running state, the first payment device is in a stopped state or in a running state, the method includes: the first payment device sends a first signal to the second payment device; wherein the first signal is sent when the first payment device switches from a stopped state to a running state, and when the first payment device is in a stopped state, the near field communication execution environment NFCEE communicates with the second payment device through the I2C; The second payment device sends a first transfer signal to the near field communication execution environment NFCEE through the NFCEE control device according to the first signal; The near field communication execution environment NFCEE transfers the payment right to the first payment device according to the first transfer signal; wherein, when the payment right is transferred to the first payment device, the near field communication execution environment NFCEE communicates with the first payment device through the SPI.

2. The method according to claim 1, characterized in that The near field communication execution environment NFCEE transfers the payment right to the first payment device according to the first transfer signal, including: The near field communication execution environment NFCEE closes the communication authority with the I2C and opens the communication authority with the SPI according to the first transfer signal.

3. The method according to claim 1, characterized in that After the near field communication execution environment NFCEE transfers the payment right to the first payment device according to the first transfer signal, the method further includes: In the case where the first payment device fails to establish communication with the near field communication execution environment NFCEE through the SPI, the first payment device sends a transfer failure signal to the second payment device; The second payment device sends a restart signal to the near field communication execution environment NFCEE through the NFCEE control device according to the transfer failure signal; The near field communication execution environment NFCEE is restarted according to the restart signal; The first payment device re-establishes communication with the restarted near field communication execution environment NFCEE.

4. The method according to claim 1, characterized in that: After the near field communication execution environment NFCEE transfers the payment right to the first payment device according to the first transfer signal, the method further includes: The first payment device sends a second signal to the second payment device; wherein the second signal is sent when the first payment device switches from the running state to the stopped running state; The second payment device sends a second transfer signal to the near field communication execution environment NFCEE according to the second signal; The near field communication execution environment NFCEE transfers the payment right to the second payment device according to the second transfer signal; wherein, when the payment right is transferred to the second payment device, the near field communication execution environment NFCEE communicates with the second payment device through the I2C.

5. The method according to any one of claims 1 to 4, characterized in that: The first payment device is a first processor, and the second payment device is a second processor; wherein a clock frequency of the first processor is greater than a clock frequency of the second processor.

6. A smart wearable device, characterized in that: include: A first payment device, a second payment device, a serial peripheral interface SPI, an integrated circuit bus I2C, a near field communication execution environment NFCEE and an NFCEE control device, the first payment device is used for large-value payment transactions, the second payment device is used for small-value payment transactions, the power consumption of the first payment device is greater than the power consumption of the second payment device, the second payment device is always in a running state, and the first payment device is in a stopped running state or in a running state; wherein, The first payment device is used to send a first signal to the second payment device; wherein the first signal is sent when the first payment device switches from a stopped state to a running state, and when the first payment device is in the stopped state, the near field communication execution environment NFCEE communicates with the second payment device through the I2C; The second payment device is used to send a first transfer signal to the near field communication execution environment NFCEE through the NFCEE control device according to the first signal; The near field communication execution environment NFCEE is used to transfer the payment right to the first payment device according to the first transfer signal; wherein, when the payment right is transferred to the first payment device, the near field communication execution environment NFCEE communicates with the first payment device through the SPI.

7. The smart wearable device according to claim 6, characterized in that: The near field communication execution environment NFCEE is specifically used for: The near field communication execution environment NFCEE closes the communication authority with the I2C and opens the communication authority with the SPI according to the first transfer signal.

8. The smart wearable device according to claim 6, characterized in that: The first payment device is further configured to: after the near field communication execution environment NFCEE is configured to transfer the payment right to the first payment device according to the first transfer signal, in the case where the first payment device fails to establish communication with the near field communication execution environment NFCEE through the SPI, send a transfer failure signal to the second payment device; The second payment device is further used to: send a restart signal to the near field communication execution environment NFCEE through the NFCEE control device according to the transfer failure signal; The near field communication execution environment NFCEE is further used to: restart according to the restart signal; The first payment device is further used to re-establish communication with the restarted near field communication execution environment NFCEE.

9. The smart wearable device according to claim 6, characterized in that: The first payment device is further configured to: after the near field communication execution environment NFCEE transfers the payment right to the first payment device according to the first transfer signal, send a second signal to the second payment device; wherein the second signal is sent when the first payment device switches from the running state to the stopped running state; The second payment device is further used to: send a second transfer signal to the near field communication execution environment NFCEE according to the second signal; The near field communication execution environment NFCEE is also used to: transfer the payment right to the second payment device according to the second transfer signal; wherein, when the payment right is transferred to the second payment device, the near field communication execution environment NFCEE communicates with the second payment device through the I2C.

10. The smart wearable device according to any one of claims 6 to 9, characterized in that: The first payment device is a first processor, and the second payment device is a second processor; wherein a clock frequency of the first processor is greater than a clock frequency of the second processor.

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