Nfc recharging method and device

Abstract

The application discloses an NFC recharging method and device, relates to the field of terminals, and aims at improving the NFC recharging efficiency. The specific scheme is as follows: receiving a payment command sent by an NFC card swiping device; in response to the payment command, sending an account balance corresponding to the NFC card swiping device in a terminal to the NFC card swiping device; receiving a payment data packet sent by the NFC card swiping device, the payment data packet being used for indicating that the account balance is insufficient, and the payment data packet comprising a first amount value; and recharging a second amount value to the account, so that the account balance after the recharging is greater than or equal to the first amount value.

Description

Technical Field

[0001] This application relates to the field of terminals, and more particularly to a method and device for recharging using near field communication (NFC) technology. Background Technology

[0002] NFC is an emerging communication technology that evolved from the integration of contactless radio frequency identification (RFID) and interconnection technologies.

[0003] NFC technology integrates inductive card readers, inductive cards, and peer-to-peer communication functions on a single chip, enabling NFC-enabled terminals (such as smartphones and wearable devices) to exchange data when they are close to each other. For example, mobile payment functions can be realized through data exchange.

[0004] The terminal can use NFC technology to realize various mobile payment functions (such as paying for public transportation, meals, and movies). When the account balance is insufficient during a mobile payment, the user needs to manually top up on the terminal. This top-up process may involve a series of cumbersome operations, such as selecting the wallet application, selecting the corresponding payment function, selecting the top-up amount, and selecting the top-up method.

[0005] Therefore, improving the efficiency of NFC recharge has become an urgent problem to be solved. Summary of the Invention

[0006] This application provides an NFC recharge method and device, which solves the problem of low NFC recharge efficiency.

[0007] To achieve the above objectives, the embodiments of this application adopt the following technical solutions:

[0008] Firstly, an NFC recharge method is provided, applied to a terminal. This method may include: after receiving a payment command from an NFC card reader, the terminal sends the account balance corresponding to the NFC card reader to the NFC card reader; then, it receives a payment data packet from the NFC card reader; and finally, it recharges the account with a second amount, such that the recharged account balance is greater than or equal to a first amount. The payment data packet indicates insufficient account balance and includes the first amount.

[0009] The NFC recharge method provided in this application involves the terminal sending its account balance corresponding to the NFC card reader to the NFC card reader after receiving a payment command. Upon receiving a payment data packet from the NFC card reader indicating insufficient account balance, the terminal triggers automatic recharge of the account. Compared to the current method of manual account recharge by the user, this embodiment automatically triggers the NFC recharge process when the account balance is determined to be insufficient, thereby improving NFC recharge efficiency.

[0010] In one possible design, topping up an account with a second amount may include: obtaining the account's default top-up amount, which is greater than or equal to a third amount, where the third amount is the first amount; or, the third amount is the sum of the first amount and the absolute value of the account balance; displaying a first top-up interface, which includes instructions for various payment methods; receiving user input on the first top-up interface for a first payment method; and topping up the account with the default top-up amount using the first payment method. This implementation, after obtaining the account's default top-up amount, directly displays the first top-up interface, allowing users to quickly select a payment method and then top up the account with the default top-up amount according to the selected method, thereby improving the efficiency of NFC account top-ups.

[0011] In one possible design, topping up an account with a second amount may include: obtaining the account's default payment method; displaying a second top-up interface, which includes indications for various top-up amounts; receiving user input on the second top-up interface for a first top-up amount, where the first top-up amount is greater than or equal to a third amount, and the third amount is equal to the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance; and topping up the account with the first top-up amount using the default payment method. This implementation, after obtaining the account's default payment method, displays the second top-up interface, allowing the user to quickly select a top-up amount and then top up the account using the default payment method, thereby improving the efficiency of NFC account top-ups.

[0012] In one possible design, topping up an account with a second amount may include: obtaining the account's default top-up amount and default payment method; the default top-up amount being greater than or equal to a third amount, which is the first amount; or, the third amount being the sum of the first amount and the absolute value of the account balance; and topping up the account with the default top-up amount using the default payment method. With this implementation, after obtaining the account's default top-up amount and default payment method, the terminal automatically completes the top-up process without any user intervention, thereby improving NFC top-up efficiency and enhancing the user experience.

[0013] In one possible design, topping up the account with a second amount may further include: if the default top-up amount or the first top-up amount is less than the third amount, outputting a first prompt message indicating that the top-up amount does not meet the payment requirements; receiving the user's action on the second top-up interface regarding the second top-up amount, where the second top-up amount is greater than or equal to the third amount, the third amount is the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance; and topping up the account with the second top-up amount. This implementation informs the user that the top-up amount does not meet the payment requirements via the first prompt message, and then receives the user's newly selected top-up amount on the second top-up interface, ensuring that the newly selected top-up amount meets the payment requirements and guaranteeing the validity of the current top-up.

[0014] In one possible design, topping up an account with a second amount may include: if the account balance using the first payment method is less than the default top-up amount, or the account balance using the default payment method is less than the first top-up amount, or the account balance using the default payment method is less than the default top-up amount, outputting a second prompt message indicating insufficient balance in the payment method; receiving the user's instruction on the second payment method from the first top-up interface; and topping up the account with the second amount using the second payment method. This implementation informs the user of insufficient balance via the second prompt message, and then receives the user's newly selected payment method from the first top-up interface, allowing the account to be topped up using the newly selected payment method, thus ensuring the validity of the current top-up.

[0015] In one possible design, the aforementioned payment data packet can be encapsulated into a data packet format specified by the NFC protocol, including a balance flag field and a first amount value field. The balance flag field is used to indicate whether the account balance is sufficient to complete the current payment, and the first amount value field is used to indicate a first amount value configured within the NFC card reader.

[0016] In one possible design, the method may further include: responding to a payment data packet by outputting a notification message indicating insufficient account balance; receiving the user's action on the notification message and performing a second top-up to the account. This implementation, by topping up the account after receiving the user's action on the notification message, confirms the upcoming top-up process with the user, thus improving the user experience.

[0017] In one possible design, the method may further include: receiving a user's operation on a first icon on a third recharge interface, the first icon indicating an automatic recharge function; displaying a first configuration interface for selecting a default recharge amount and / or a default payment method; receiving a configuration operation from the user on the first configuration interface, the configuration operation indicating a default recharge amount and / or a default payment method; and saving the default recharge amount and / or default payment method indicated by the configuration operation. In this implementation, receiving the default recharge amount and / or default payment method configured by the user through the first configuration interface allows for automatic recharge based directly on the default recharge amount and / or default payment method during account recharge, thereby improving the efficiency of NFC account recharge.

[0018] In one possible design, receiving the user's configuration operation in the first configuration interface may include: receiving the user's first configuration operation on the first configuration interface, triggering the display of a second configuration interface, the second recharge interface including indication information for multiple default recharge amount values; receiving the user's operation on the indication information for the first default recharge amount value in the second configuration interface; and saving the first default recharge amount value. In this implementation, receiving the default recharge amount value configured by the user through the second configuration interface allows for direct recharge of the account to the default recharge amount during the account recharge process, improving the efficiency of NFC account recharge.

[0019] In one possible design, receiving the user's configuration operation in the first configuration interface may include: receiving the user's second configuration operation on the first configuration interface, triggering the display of a third configuration interface, the third recharge interface including indication information for multiple default payment methods; receiving the user's operation on the third configuration interface regarding the indication information for a first default payment method; and saving the first default payment method. In this implementation, receiving the default payment method configured by the user through the third configuration interface allows for direct recharge of the account using the default payment method during the account recharge process, thereby improving the efficiency of NFC account recharge.

[0020] In one possible design, receiving the user's configuration operation in the first configuration interface may include: receiving the user's third configuration operation in the first configuration interface, triggering the display of a fourth configuration interface, the fourth recharge interface including indication information for multiple default recharge amounts and multiple default payment methods; receiving the user's operation on the first default recharge amount and the first default payment method in the fourth configuration interface; and saving the first default recharge amount and the first default payment method. In this implementation, receiving the default payment method and default recharge amount configured by the user through the fourth configuration interface allows for automatic completion of the recharge process based on the default payment method and default recharge amount during account recharge, further improving the efficiency of NFC account recharge and enhancing the user experience.

[0021] Secondly, an NFC recharge method is provided, applied to an NFC card reader. The method may include: the NFC card reader of a first payment method sending a payment command to a terminal; the NFC card reader receiving the account balance of the first payment method sent by the terminal in response to the payment command; the NFC card reader sending a payment data packet to the terminal, the payment data packet being used to indicate that the account balance is insufficient, the payment data packet including a first amount value; the first amount value being used to recharge the account.

[0022] The NFC recharge method provided in this application involves the NFC card reader sending a payment command to the terminal. The terminal responds to the payment command and sends its account balance to the NFC card reader. Then, the NFC card reader sends a payment data packet to the terminal, triggering automatic account recharge. Compared to the current method of manual account recharge by the user, this embodiment automatically triggers the NFC recharge process when the account balance is insufficient, thereby improving NFC recharge efficiency.

[0023] Thirdly, this application provides a terminal for executing the NFC recharge method provided in the first aspect. Based on the method provided in the first aspect, this application can divide the terminal into functional modules. For example, each function can be divided into its own functional modules, or two or more functions can be integrated into a single processing module. For instance, this application can divide the terminal into a first receiving unit, a sending unit, a recharge unit, etc., according to their functions. Descriptions of the possible technical solutions and beneficial effects of the various functional modules described above can be found in the technical solutions provided in the first aspect or its corresponding possible designs, and will not be repeated here.

[0024] Fourthly, a terminal is provided, comprising: a memory and one or more processors coupled together. The memory is used to store computer instructions, and the processor is used to invoke the computer instructions to perform any method provided by the first aspect and any of its possible design embodiments.

[0025] Fifthly, this application provides an NFC card reader for executing an NFC recharge method provided in the second aspect above. Based on the method provided in the second aspect, this application can divide the NFC card reader into functional modules. For example, each function can be divided into its own functional modules, or two or more functions can be integrated into one processing module. For instance, this application can divide the NFC card reader into a transmitting unit, a receiving unit, etc., according to function. The descriptions of possible technical solutions and beneficial effects of the various functional modules described above can be found in the technical solutions provided in the second aspect above or its corresponding possible designs, and will not be repeated here.

[0026] A sixth aspect provides an NFC card reader comprising: a memory and one or more processors coupled together. The memory stores computer instructions, and the processor invokes the computer instructions to perform any method provided by the second aspect and any of its possible design embodiments.

[0027] In a seventh aspect, a computer storage medium is provided for storing a computer program that, when run on a computer, causes any method provided by any possible implementation of any of the preceding aspects to be executed.

[0028] Eighthly, this application provides a computer program product that, when run on a computer, causes any method provided by any possible implementation of any of the above aspects to be executed.

[0029] A ninth aspect provides a communication device comprising: a memory for storing a computer program, and a processor for invoking the computer program such that any method provided by any possible implementation of any of the preceding aspects is executed. Attached Figure Description

[0030] Figure 1a A schematic diagram of a screen interface provided for the prior art;

[0031] Figure 1b A schematic diagram of the wallet's main interface provided for existing technology;

[0032] Figure 1c A schematic diagram of a public transport interface provided for existing technologies;

[0033] Figure 1d A schematic diagram of a transportation card recharge interface provided for existing technology;

[0034] Figure 2a A schematic diagram of a system architecture provided for an embodiment of this application;

[0035] Figure 2b A schematic diagram illustrating another system architecture provided in this application embodiment;

[0036] Figure 3 This is a schematic diagram of the structure of a terminal provided in an embodiment of this application;

[0037] Figure 4 A flowchart illustrating an NFC recharge method provided in this application embodiment;

[0038] Figure 5 This application provides a schematic diagram of a payment data packet transmission process.

[0039] Figure 6 This is a schematic diagram of another payment data packet transmission process provided in an embodiment of this application;

[0040] Figure 7 A flowchart illustrating another NFC recharge method provided in this application embodiment;

[0041] Figure 8 This is a schematic diagram of the insufficient balance notification message interface provided in an embodiment of this application;

[0042] Figure 9 A flowchart illustrating how a terminal tops up a second amount to an account, as provided in this application embodiment;

[0043] Figure 10 A schematic diagram of the second recharge interface provided in an embodiment of this application;

[0044] Figure 11 A schematic diagram of the first recharge interface provided in an embodiment of this application;

[0045] Figure 12 A flowchart illustrating another terminal recharging a second amount to an account, provided in an embodiment of this application;

[0046] Figure 13 A flowchart illustrating how a terminal can top up a second amount to an account, as provided in this application embodiment;

[0047] Figure 14 A schematic diagram of the recharge confirmation interface provided in an embodiment of this application;

[0048] Figure 15 This is a schematic diagram of the interface for a successful recharge notification provided in an embodiment of this application.

[0049] Figure 16 This is a flowchart illustrating the automatic recharge settings provided in an embodiment of this application.

[0050] Figure 17A schematic diagram of the third recharge interface provided in an embodiment of this application;

[0051] Figure 18 A schematic diagram of the first configuration interface provided in an embodiment of this application;

[0052] Figure 19 This is a schematic diagram of the interface for configuring the default recharge amount provided in an embodiment of this application;

[0053] Figure 20 This is a schematic diagram of the interface for configuring the default payment method provided in an embodiment of this application;

[0054] Figure 21 This is a schematic diagram of the interface for configuring the default payment method and default recharge amount provided in an embodiment of this application;

[0055] Figure 22 This is a schematic diagram of the terminal structure provided in the embodiments of this application;

[0056] Figure 23 This is a schematic diagram of the structure of another terminal provided in an embodiment of this application;

[0057] Figure 24 This is a schematic diagram of the structure of another terminal provided in an embodiment of this application;

[0058] Figure 25 This is a schematic diagram of the structure of an NFC card reader provided in an embodiment of this application;

[0059] Figure 26 This is a schematic diagram of another NFC card reader provided in an embodiment of this application. Detailed Implementation

[0060] Hereinafter, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of indicated technical features. Therefore, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of embodiments of this application, unless otherwise stated, "a plurality of" means two or more.

[0061] Currently, terminals can use NFC technology to realize various mobile payment functions (such as paying for public transportation, meals, and movies). When the account balance is insufficient during a mobile payment, the user needs to manually top up on the terminal. This top-up process may involve a series of cumbersome operations, such as selecting the wallet application, selecting the corresponding payment function, selecting the top-up amount, and selecting the top-up method.

[0062] For example, when a user swipes their public transport card using an NFC-enabled device (such as a mobile phone, smartwatch, or smart bracelet), the NFC card reader (bus card reader, subway gate) will issue a low balance warning if the balance is insufficient. In this case, the user needs to manually initiate and complete the card top-up process before swiping the card again. However, manually topping up a public transport card requires several steps, as detailed below:

[0063] (1) If the phone with NFC technology is in a screen-off state, you need to unlock the phone to enter the screen display interface; if you are using a bracelet / watch with NFC technology, you need to unlock the phone connected to it via Bluetooth and enter the phone's screen display interface.

[0064] (2) Figure 1a As shown, find the wallet application icon 10 on the phone screen interface. If the user does not remember the specific location of the wallet application icon 10 and the phone has multiple screen interfaces, they need to swipe left and right on the screen interface to find the wallet application icon 10.

[0065] (3) Select the Wallet app icon 10 to enter... Figure 1b The wallet's main page is shown.

[0066] (4) On the main page of your wallet, select the transportation icon 20 to enter the... Figure 1c The public transportation travel page shown.

[0067] (5) On the public transport page, select the recharge icon 30 to enter the payment process. Figure 1d The transit card recharge page is shown. Then, on this recharge interface, select the recharge amount (40) and recharge method (50), and then select the "Recharge Now" button to complete the transit card recharge process.

[0068] As can be seen, the existing NFC recharge process is cumbersome, time-consuming, and labor-intensive, significantly impacting user experience. Therefore, improving NFC recharge efficiency has become an urgent problem to be solved.

[0069] This application provides an NFC recharge method. After receiving a payment command from an NFC card reader, the terminal sends the account balance corresponding to the NFC card reader to the NFC card reader. Upon receiving a payment data packet from the NFC card reader indicating insufficient account balance, the terminal triggers automatic recharge of the account. Compared to the current method of manual account recharge by the user, this embodiment automatically triggers the above-mentioned NFC recharge process when the account balance is determined to be insufficient, thereby improving the NFC recharge efficiency.

[0070] The embodiments of this application will now be described in detail with reference to the accompanying drawings.

[0071] Figure 2aThis is a schematic diagram of a system architecture for which the above method can be applied, as provided in this embodiment. The system architecture may include at least two electronic devices: an NFC card reader 201 and a terminal 202.

[0072] The terminal 202 is equipped with NFC functionality. For example, by installing an NFC chip in the terminal 202, it can achieve NFC functionality. In some embodiments, the NFC-enabled terminal 202 can operate in three modes: reader mode, card emulation mode, and peer-to-peer mode. In this embodiment, the terminal 202 is simulated as a contactless card in card emulation mode. This contactless card can perform different functions, such as acting as a public transport card, meal card, or shopping card, thus allowing one terminal to replace multiple cards.

[0073] In this embodiment, after receiving a payment command from the NFC card reader 201, the terminal 202 sends the account balance corresponding to the NFC card reader 201 to the NFC card reader 201. Upon receiving the account balance, the NFC card reader 201 sends a payment data packet indicating insufficient account balance to the terminal 202. This payment data packet includes a first amount value sufficient to meet the payment requirement. After receiving this payment data packet, the terminal 202 tops up the account with a second amount value, making the account balance after the top-up greater than or equal to the first amount value, thereby satisfying the payment requirement of the NFC card reader 201.

[0074] Furthermore, such as Figure 2b As shown, the system architecture described above may also include a wearable device 203, which has NFC functionality. Data transmitted between the NFC card reader 201 and the terminal 202 is forwarded through the wearable device 203.

[0075] Specifically, after receiving the payment command from the NFC card reader 201, the wearable device 203 forwards the payment command to the terminal 202 connected to it via Bluetooth. Then, it receives the account balance corresponding to the NFC card reader 201 from the terminal 202 and sends this account balance to the NFC card reader 201. After receiving the account balance, the NFC card reader 201 sends a payment data packet indicating insufficient account balance to the wearable device 203. The wearable device 203 then sends this payment data packet to the terminal 202. Upon receiving the payment data packet, the terminal 202 tops up the account with a second amount, ensuring that the post-topped account balance is greater than or equal to the first amount, thus fulfilling the payment request of the NFC card reader 201.

[0076] For example, in this application embodiment, the terminal 202 can be a mobile phone, and the wearable device 203 can be a smart bracelet, smartwatch, etc. This application embodiment does not impose special limitations on the specific form of the terminal 202 and the wearable device 203. The specific structure of the terminal 202 can be as follows: Figure 3 As shown, this will be specifically described in the following embodiments.

[0077] Please refer to Figure 3 This is a schematic diagram of the structure of a terminal provided in an embodiment of this application. Figure 3 As shown, the terminal may include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (USB) interface 130, a charging management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, a headphone jack 170D, a sensor module 180, buttons 190, a motor 191, an indicator 192, a camera 193, a display screen 194, and a subscriber identification module (SIM) card interface 195, etc.

[0078] The sensor module 180 may include a pressure sensor 180A, a gyroscope sensor 180B, a barometric pressure sensor 180C, a magnetic sensor 180D, an accelerometer sensor 180E, a distance sensor 180F, a proximity sensor 180G, a fingerprint sensor 180H, a temperature sensor 180J, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, etc.

[0079] It is understood that the structure illustrated in this embodiment does not constitute a specific limitation on the terminal. In other embodiments, the terminal may include more or fewer components than illustrated, or combine some components, or split some components, or have different component arrangements. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

[0080] Processor 110 may include one or more processing units, such as: application processor (AP), modem processor, graphics processing unit (GPU), image signal processor (ISP), controller, memory, video codec, digital signal processor (DSP), baseband processor, and / or neural network processing unit (NPU), etc. Different processing units may be independent devices or integrated into one or more processors.

[0081] The controller can serve as the nerve center and command center of the terminal. Based on the instruction opcode and timing signals, the controller generates operation control signals to control the fetching and execution of instructions.

[0082] The processor 110 may also include a memory for storing instructions and data. In some embodiments, the memory in the processor 110 is a cache memory. This memory can store instructions or data that the processor 110 has just used or that are used repeatedly. If the processor 110 needs to use the instruction or data again, it can retrieve it directly from the memory. This avoids repeated accesses, reduces the waiting time of the processor 110, and thus improves the efficiency of the system.

[0083] In some embodiments, the processor 110 may include one or more interfaces. Interfaces may include an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input / output (GPIO) interface, a SIM interface, and / or a USB interface, etc.

[0084] The charging management module 140 receives charging input from a charger. The charger can be a wireless charger or a wired charger. In some wired charging embodiments, the charging management module 140 receives charging input from the wired charger via the USB interface 130. In some wireless charging embodiments, the charging management module 140 receives wireless charging input via the terminal's wireless charging coil. While charging the battery 142, the charging management module 140 can also supply power to the terminal via the power management module 141.

[0085] The power management module 141 connects the battery 142, the charging management module 140, and the processor 110. The power management module 141 receives input from the battery 142 and / or the charging management module 140, providing power to the processor 110, internal memory 121, external memory, display screen 194, camera 193, and wireless communication module 160, etc. The power management module 141 can also monitor parameters such as battery capacity, battery cycle count, and battery health status (leakage current, impedance). In some other embodiments, the power management module 141 may also be located within the processor 110. In other embodiments, the power management module 141 and the charging management module 140 may be located in the same device.

[0086] The terminal's wireless communication function can be implemented through antenna 1, antenna 2, mobile communication module 150, wireless communication module 160, modem processor, and baseband processor.

[0087] Antenna 1 and antenna 2 are used to transmit and receive electromagnetic wave signals. Each antenna in the terminal can be used to cover one or more communication frequency bands. Different antennas can also be reused to improve antenna utilization. For example, antenna 1 can be reused as a diversity antenna for a wireless local area network. In some other embodiments, the antennas can be used in conjunction with a tuning switch.

[0088] The mobile communication module 150 can provide solutions for wireless communication applications including 2G / 3G / 4G / 5G in terminals. The mobile communication module 150 may include at least one filter, switch, power amplifier, low-noise amplifier (LNA), etc. The mobile communication module 150 can receive electromagnetic waves via antenna 1, and perform filtering, amplification, and other processing on the received electromagnetic waves before transmitting them to a modem processor for demodulation. The mobile communication module 150 can also amplify the signal modulated by the modem processor and convert it into electromagnetic waves for radiation via antenna 1. In some embodiments, at least some functional modules of the mobile communication module 150 may be housed in the processor 110. In some embodiments, at least some functional modules of the mobile communication module 150 and at least some modules of the processor 110 may be housed in the same device.

[0089] The modem processor may include a modulator and a demodulator. The modulator modulates the low-frequency baseband signal to be transmitted into a mid-to-high frequency signal. The demodulator demodulates the received electromagnetic wave signal into a low-frequency baseband signal. The demodulator then transmits the demodulated low-frequency baseband signal to the baseband processor for processing. After processing by the baseband processor, the low-frequency baseband signal is transmitted to the application processor. The application processor outputs sound signals through an audio device (not limited to speaker 170A, receiver 170B, etc.) or displays images or videos through the display screen 194. In some embodiments, the modem processor may be a separate device. In other embodiments, the modem processor may be independent of the processor 110 and may be housed in the same device as the mobile communication module 150 or other functional modules.

[0090] The wireless communication module 160 can provide solutions for wireless communication applications on terminals, including wireless local area networks (WLANs) (such as wireless fidelity (Wi-Fi) networks), Bluetooth (BT), global navigation satellite system (GNSS), frequency modulation (FM), near field communication (NFC), and infrared (IR) technologies. The wireless communication module 160 can be one or more devices integrating at least one communication processing module. The wireless communication module 160 receives electromagnetic waves via antenna 2, performs frequency modulation and filtering of the electromagnetic wave signals, and sends the processed signal to processor 110. The wireless communication module 160 can also receive signals to be transmitted from processor 110, perform frequency modulation and amplification, and convert them into electromagnetic waves for radiation via antenna 2.

[0091] In some embodiments, the wireless communication module 160 may include an NFC chip. This NFC chip is capable of signal amplification, analog-to-digital conversion, digital-to-analog conversion, and storage, and can be responsible for data transmission via an antenna (such as antenna 2).

[0092] In some embodiments, antenna 1 of the terminal is coupled to mobile communication module 150, and antenna 2 is coupled to wireless communication module 160, enabling the terminal to communicate with networks and other devices via wireless communication technology. The wireless communication technology may include Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Time-Division Code Division Multiple Access (TD-SCDMA), Long Term Evolution (LTE), BT, GNSS, WLAN, NFC, FM, and / or IR technology, etc. The GNSS may include Global Positioning System (GPS), Global Navigation Satellite System (GLONASS), BeiDou Navigation Satellite System (BDS), Quasi-Zenith Satellite System (QZSS), and / or Satellite Based Augmentation Systems (SBAS).

[0093] The terminal implements display functions through a GPU, a display screen 194, and an application processor. The GPU is a microprocessor for image processing, connected to the display screen 194 and the application processor. The GPU is used to perform mathematical and geometric calculations and for graphics rendering. The processor 110 may include one or more GPUs, which execute program instructions to generate or modify display information.

[0094] Display screen 194 is used to display images, videos, etc. Display screen 194 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), a Mini LED, a MicroLED, a Micro-OLED, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the terminal may include one or N displays 194, where N is a positive integer greater than 1.

[0095] The terminal can achieve shooting functions through ISP, camera 193, video codec, GPU, display 194 and application processor.

[0096] The ISP (Image Signal Processor) is used to process data fed back from the camera 193. For example, when taking a picture, the shutter is opened, and light is transmitted through the lens to the camera's photosensitive element. The light signal is converted into an electrical signal, and the camera's photosensitive element transmits the electrical signal to the ISP for processing, transforming it into an image visible to the naked eye. The ISP can also perform algorithmic optimization of image noise, brightness, and skin tone. The ISP can also optimize parameters such as exposure and color temperature of the shooting scene. In some embodiments, the ISP can be set in the camera 193.

[0097] Camera 193 is used to capture still images or videos. An object is projected onto a photosensitive element by generating an optical image through the lens. The photosensitive element can be a charge-coupled device (CCD) or a complementary metal-oxide-semiconductor (CMOS) phototransistor. The photosensitive element converts the light signal into an electrical signal, which is then passed to an ISP for conversion into a digital image signal. The ISP outputs the digital image signal to a DSP for processing. The DSP converts the digital image signal into image signals in standard RGB, YUV, or other formats. In some embodiments, the terminal may include one or N cameras 193, where N is a positive integer greater than 1.

[0098] Digital signal processors (DSPs) are used to process digital signals. Besides digital image signals, they can also process other digital signals. For example, when a terminal selects a frequency, a DSP can perform a Fourier transform on the frequency energy.

[0099] Video codecs are used to compress or decompress digital video. A terminal can support one or more video codecs. This allows the terminal to play or record videos in various encoding formats, such as Moving Picture Experts Group (MPEG) 1, MPEG2, MPEG3, MPEG4, etc.

[0100] NPU stands for Neural Network (NN) Computing Processor. By borrowing the structure of biological neural networks, such as the transmission patterns between neurons in the human brain, it can rapidly process input information and continuously learn on its own. NPUs enable intelligent cognitive applications in terminals, such as image recognition, facial recognition, speech recognition, and text understanding.

[0101] The external storage interface 120 can be used to connect an external storage card, such as a Micro SD card, to expand the terminal's storage capacity. The external storage card communicates with the processor 110 through the external storage interface 120 to perform data storage functions. For example, music, video, and other files can be saved on the external storage card.

[0102] Internal memory 121 can be used to store computer executable program code, which includes instructions. Processor 110 executes various terminal functions and data processing by running the instructions stored in internal memory 121. Internal memory 121 may include a program storage area and a data storage area. The program storage area may store the operating system, at least one application program required for a function (such as sound playback, image playback, etc.), etc. The data storage area may store data created during terminal use (such as audio data, phonebook, etc.). Furthermore, internal memory 121 may include high-speed random access memory and may also include non-volatile memory, such as at least one disk storage device, flash memory device, universal flash storage (UFS), etc.

[0103] The terminal can implement audio functions, such as music playback and recording, through an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, a headphone jack 170D, and an application processor.

[0104] The audio module 170 is used to convert digital audio information into analog audio signals for output, and also to convert analog audio input into digital audio signals. The audio module 170 can also be used for encoding and decoding audio signals. In some embodiments, the audio module 170 may be located in the processor 110, or some functional modules of the audio module 170 may be located in the processor 110.

[0105] The speaker 170A, also known as a "loudspeaker," is used to convert audio electrical signals into sound signals. The terminal can listen to music or make hands-free calls through the speaker 170A.

[0106] The receiver 170B, also known as the "earpiece," is used to convert audio electrical signals into sound signals. When the terminal is answering a phone call or voice message, the receiver 170B can be brought close to the ear to listen to the voice.

[0107] Microphone 170C, also known as a "microphone" or "voice transducer," is used to convert sound signals into electrical signals. When making a phone call, sending a voice message, or needing to trigger certain functions on the terminal via a voice assistant, the user can speak by bringing their mouth close to microphone 170C, inputting sound signals into microphone 170C. The terminal can have at least one microphone 170C. In some embodiments, the terminal can have two microphones 170C, which, in addition to collecting sound signals, can also perform noise reduction. In other embodiments, the terminal can also have three, four, or more microphones 170C, which can collect sound signals, reduce noise, identify the sound source, and perform directional recording, etc.

[0108] The 170D headphone jack is used to connect wired headphones. The 170D headphone jack can be a USB 130 interface or a 3.5mm Open Mobile Terminal Platform (OMTP) standard interface, a CTIA (Cellular Telecommunications Industry Association of the USA) standard interface.

[0109] Pressure sensor 180A is used to sense pressure signals and convert them into electrical signals. In some embodiments, pressure sensor 180A can be disposed on display screen 194. There are many types of pressure sensors 180A, such as resistive pressure sensors, inductive pressure sensors, and capacitive pressure sensors. A capacitive pressure sensor may include at least two parallel plates with conductive material. When force is applied to pressure sensor 180A, the capacitance between the electrodes changes. The terminal determines the pressure intensity based on the change in capacitance. When a touch operation is applied to display screen 194, the terminal detects the intensity of the touch operation based on pressure sensor 180A. The terminal can also calculate the touch position based on the detection signal from pressure sensor 180A. In some embodiments, touch operations applied to the same touch position but with different touch operation intensities can correspond to different operation commands. For example: when a touch operation with an intensity less than a first pressure threshold is applied to the SMS application icon, a command to view an SMS is executed. When a touch operation with an intensity greater than or equal to the first pressure threshold is applied to the SMS application icon, a command to create a new SMS is executed.

[0110] The gyroscope sensor 180B can be used to determine the motion posture of the terminal. In some embodiments, the gyroscope sensor 180B can determine the angular velocity of the terminal around three axes (i.e., the x, y, and z axes). The gyroscope sensor 180B can be used for image stabilization. For example, when the shutter is pressed, the gyroscope sensor 180B detects the angle of the terminal's shake, calculates the distance that the lens module needs to compensate based on the angle, and allows the lens to counteract the terminal's shake through reverse movement, thus achieving image stabilization. The gyroscope sensor 180B can also be used in navigation and motion-sensing game scenarios.

[0111] The barometric pressure sensor 180C is used to measure air pressure. In some embodiments, the terminal calculates altitude using the air pressure value measured by the barometric pressure sensor 180C to assist in positioning and navigation.

[0112] The magnetic sensor 180D includes a Hall effect sensor. The terminal can use the magnetic sensor 180D to detect the opening and closing of the flip cover. In some embodiments, when the terminal is a flip phone, the terminal can detect the opening and closing of the flip cover using the magnetic sensor 180D. Then, based on the detected opening and closing state of the cover or the flip cover, features such as automatic flip unlocking can be set.

[0113] The 180E accelerometer can detect the magnitude of acceleration in various directions (typically three axes) of a device. When the device is stationary, it can detect the magnitude and direction of gravity. It can also be used to identify the device's posture, and is applicable to screen orientation switching, pedometers, and other applications.

[0114] A distance sensor 180F is used to measure distance. The terminal can measure distance via infrared or laser. In some embodiments, during a shooting scene, the terminal can utilize the distance sensor 180F to measure distance for rapid focusing.

[0115] The proximity sensor 180G may include, for example, a light-emitting diode (LED) and a light detector, such as a photodiode. The LED may be an infrared LED. The terminal emits infrared light outward through the LED. The terminal uses the photodiode to detect infrared reflected light from nearby objects. When sufficient reflected light is detected, it can be determined that an object is near the terminal. When insufficient reflected light is detected, the terminal can determine that no object is near the terminal. The terminal can use the proximity sensor 180G to detect when a user holds the terminal close to their ear for a call, so as to automatically turn off the screen to save power. The proximity sensor 180G can also be used in holster mode and pocket mode for automatic unlocking and screen locking.

[0116] The ambient light sensor 180L is used to detect ambient light intensity. The device can adaptively adjust the brightness of the display screen 194 based on the detected ambient light intensity. The ambient light sensor 180L can also be used to automatically adjust the white balance when taking pictures. The ambient light sensor 180L can also work with the proximity sensor 180G to detect whether the device is in a pocket to prevent accidental touches.

[0117] The fingerprint sensor 180H is used to collect fingerprints. The terminal can use the collected fingerprint characteristics to achieve fingerprint unlocking, accessing app locks, taking photos with fingerprints, answering calls with fingerprints, etc.

[0118] Temperature sensor 180J is used to detect temperature. In some embodiments, the terminal uses the temperature detected by temperature sensor 180J to execute a temperature processing strategy. For example, when the temperature reported by temperature sensor 180J exceeds a threshold, the terminal reduces the performance of the processor located near temperature sensor 180J to reduce power consumption and implement thermal protection. In other embodiments, when the temperature is below another threshold, the terminal heats battery 142 to prevent abnormal shutdown due to low temperature. In still other embodiments, when the temperature is below yet another threshold, the terminal boosts the output voltage of battery 142 to prevent abnormal shutdown due to low temperature.

[0119] Touch sensor 180K, also known as a "touch panel," can be located on display screen 194. The touch sensor 180K and display screen 194 together form a touchscreen, also known as a "touchscreen." Touch sensor 180K detects touch operations applied to or near it. The touch sensor can transmit the detected touch operation to the application processor to determine the type of touch event. Visual output related to the touch operation can be provided through display screen 194. In other embodiments, touch sensor 180K may also be located on the surface of the terminal, in a different position than display screen 194.

[0120] The bone conduction sensor 180M can acquire vibration signals. In some embodiments, the bone conduction sensor 180M can acquire vibration signals from the vibrating bone segments of the human vocal cords. The bone conduction sensor 180M can also contact the human pulse to receive blood pressure signals. In some embodiments, the bone conduction sensor 180M can also be incorporated into headphones to form bone conduction headphones. The audio module 170 can parse the voice signals from the vibrating bone segments of the vocal cords acquired by the bone conduction sensor 180M to realize voice functionality. The application processor can parse heart rate information from the blood pressure signals acquired by the bone conduction sensor 180M to realize heart rate detection functionality.

[0121] Buttons 190 include a power button, volume buttons, etc. Buttons 190 can be mechanical buttons or touch-sensitive buttons. The terminal can receive button input and generate key signal inputs related to user settings and function control of the terminal.

[0122] Motor 191 can generate vibration alerts. Motor 191 can be used for incoming call vibration alerts or for touch vibration feedback. For example, different vibration feedback effects can correspond to touch operations performed on different applications (such as taking photos, playing audio, etc.). Motor 191 can also correspond to different vibration feedback effects for touch operations performed on different areas of the display screen 194. Different application scenarios (such as time reminders, receiving messages, alarm clocks, games, etc.) can also correspond to different vibration feedback effects. The touch vibration feedback effect can also be customized.

[0123] Indicator 192 can be an indicator light, used to indicate charging status, power changes, or to indicate messages, missed calls, notifications, etc.

[0124] The SIM card interface 195 is used to connect a SIM card. The SIM card can be inserted into or removed from the SIM card interface 195 to achieve contact and separation with the terminal. The terminal can support one or N SIM card interfaces, where N is a positive integer greater than 1. The SIM card interface 195 can support Nano SIM cards, Micro SIM cards, and other SIM cards. Multiple cards can be inserted into the same SIM card interface 195 simultaneously. The multiple cards can be of the same or different types. The SIM card interface 195 is also compatible with different types of SIM cards. The SIM card interface 195 is also compatible with external memory cards. The terminal interacts with the network through the SIM card to achieve functions such as calls and data communication. In some embodiments, the terminal uses an eSIM, i.e., an embedded SIM card. The eSIM card can be embedded in the terminal and cannot be separated from the terminal.

[0125] For example, the technical solutions involved in the following embodiments can all be implemented in a terminal with the above-described hardware architecture.

[0126] This application provides an NFC recharge method, which can be applied to the process of a terminal recharging an account. This application uses the interaction between an NFC card reader and a terminal as an example to describe the solution provided in detail.

[0127] like Figure 4 As shown, the NFC recharge method provided in this application may include:

[0128] 401. The NFC card reader sends a payment command to the terminal.

[0129] When a user swipes a card through an NFC-enabled terminal, the terminal is simulated as a card. When the terminal approaches the NFC reader, the NFC reader provides a radio frequency field powered by its power supply and then sends a payment command to the terminal.

[0130] 402. The terminal receives the payment command sent by the NFC card reader.

[0131] 403. The terminal responds to the payment command and sends the account balance corresponding to the NFC card reader in the terminal to the NFC card reader.

[0132] Different NFC card readers correspond to different accounts. For example, an NFC card reader for a public transport card corresponds to a public transport account, an NFC card reader for a campus meal card corresponds to a meal card account, and an NFC card reader for a shopping card corresponds to a shopping card account, etc. This application embodiment does not specifically limit this.

[0133] For example, when a user swipes their public transport card at a terminal and receives a payment command from an NFC card reader, they send the account balance of the public transport card configured in the terminal to the NFC card reader so that the NFC card reader can verify whether the account balance meets the current payment requirements.

[0134] 404. The NFC card reader receives the account balance corresponding to the NFC card reader in the terminal.

[0135] In this embodiment, after receiving the account balance sent by the terminal, the NFC card reader first determines whether the account balance is greater than or equal to a first amount value. If the account balance is greater than or equal to the first amount value, it means that the account balance corresponding to the NFC card reader in the terminal can meet the current payment needs. Then, the process of deducting the fee from the account corresponding to the NFC card reader in the terminal is executed to complete the card swiping behavior and end the current payment process.

[0136] If the account balance is less than the first amount, then a 405 error will be executed.

[0137] The first amount value can be an amount configured in the NFC card reader to meet the payment requirements. Specifically, this amount value can be the minimum amount to meet the payment requirements, the maximum amount to meet the payment requirements, the average amount to meet the payment requirements, or the amount that appears most frequently in the payment requirements. This application embodiment does not specifically limit this.

[0138] For example, a city's subway charges based on travel distance, with fare standards of 2 yuan, 4 yuan, 6 yuan, 8 yuan, and 10 yuan. If the first fare is determined by the minimum amount required to meet payment needs, it is 2 yuan; if it is determined by the maximum amount required, it is 10 yuan; if it is determined by the average amount required, it is 6 yuan; and if it is determined by the amount used most frequently among all fare requirements, it is 4 yuan (historical data shows that 4 yuan is the most frequently paid fare for subway rides).

[0139] 405. The NFC card reader sends payment data packets to the terminal.

[0140] In one optional embodiment, the NFC card reader encapsulates the payment data packet into the data packet format specified by the NFC protocol and passes the payment data packet from the bottom layer of the terminal upwards along the NFC protocol stack to the application layer. Specifically, as shown... Figure 5As shown, the NFC card reader, acting as the initiating device, senses the proximity of the terminal through a magnetic field and sends a payment command to the terminal. The terminal responds to the payment command and sends the account balance corresponding to the NFC card reader to the NFC card reader. The NFC card reader checks whether the account balance corresponding to the NFC card reader is greater than or equal to a first amount value (i.e., whether the amount value meets the payment requirement). If the detected account balance corresponding to the NFC card reader is less than the first amount value, the NFC card reader encapsulates the payment data packet into a data packet format specified by the NFC protocol and then sends the payment data packet to the terminal.

[0141] Specifically, the payment data packet transmission process is as follows: the NFC card reader sends the payment data packet to the NFC module in the terminal, the NFC module passes the payment data packet to the NFC kernel driver, the NFC kernel driver passes the payment data packet to the NFC native protocol encapsulation, and the NFC native protocol encapsulation passes the payment data packet to the target application (APP) through the framework service layer, and the target application completes the corresponding recharge action.

[0142] It should be noted that the terminal in this implementation is equipped with the target application. After the terminal receives the payment data packet sent by the NFC card reader, the target application in the terminal calls the payment data packet, parses it, obtains the first amount value in the payment data packet, and then executes step 407 to recharge the account with the second amount value. Depending on the application scenario, the target application can be divided into different types, such as public transportation applications, meal card applications, and shopping card applications.

[0143] In one alternative embodiment, the NFC card reader and the terminal are connected via a target device that does not have payment functionality. The NFC card reader encapsulates the payment data packet into the data packet format defined by the NFC protocol and sends the payment data to the terminal via the target device. The payment data packet is passed up the NFC protocol stack from the terminal's bottom layer to the application layer.

[0144] The payment data packet is encapsulated into a data packet format specified by the NFC protocol. The encapsulated data includes a balance flag field and a first amount value field. The balance flag field is used to indicate whether the account balance is sufficient to complete the current payment, and the first amount value field is used to indicate the first amount value configured in the NFC card reader.

[0145] like Figure 6As shown, the NFC card reader, acting as the initiating device, first detects the approach of the target device (wristband or watch) via magnetic field sensing, then sends a payment command to the target device. The target device responds to this payment command and sends the account balance corresponding to the NFC card reader from the associated device (phone). The NFC card reader checks whether the account balance is greater than or equal to a first amount (i.e., whether the amount meets the payment requirement). If the account balance is less than the first amount, the NFC card reader encapsulates the payment data packet into the data packet format specified by the NFC protocol and sends the payment data packet to the target device. The target device then forwards the received payment data packet to its Bluetooth-connected associated device. The associated device and... Figure 5 The terminals in the process are the same, and the transmission process of payment data packets in the associated devices is the same. Figure 5 The descriptions of the corresponding parts are consistent, and will not be repeated here in this embodiment.

[0146] Specifically, as shown in Table 1, the payment data packet in this embodiment may include: a balance flag field and a first amount value field.

[0147] Table 1

[0148] Balance indicator First Amount 1 5

[0149] Furthermore, as shown in Table 2, the payment data packet in this embodiment may also include: a terminal account balance field and a reserved field. The terminal account balance field and the reserved field are optional fields and can be configured according to actual needs.

[0150] Table 2

[0151] Balance indicator First Amount Terminal account balance Reserved 1 5 1 Top up 50 and enjoy a 9.8% discount.

[0152] The balance flag field indicates whether the account balance is sufficient to complete the current payment. For example, the number 1 indicates insufficient account balance, and the number 0 indicates sufficient account balance. Alternatively, the letter N can be used to indicate insufficient account balance, and the letter Y can be used to indicate sufficient account balance. This embodiment does not limit the specific form of the balance flag.

[0153] The first amount value field indicates the first amount value configured in the corresponding NFC card reader, and the account terminal balance field indicates the account balance corresponding to the NFC card reader in the terminal. In this embodiment, if the payment data packet does not have a terminal account balance field or the content under the terminal account balance field is empty, the terminal can obtain the account balance corresponding to the NFC card reader locally.

[0154] It should be noted that the content of the reserved field can be configured according to actual needs. The reserved field can be configured with recharge discount information, temporary operating time of the NFC card reader location, and change information of the NFC card reader location, etc. This embodiment does not make specific limitations.

[0155] For example, if a reserved field is set in the payment data packet, and the content of the reserved field is configured with the discount information "Recharge 50 to enjoy 9.8% off", then after the payment data packet is sent to the terminal, the terminal can extract the discount information from the reserved field and output the discount information during the recharge process to remind the user of the existing recharge discount activities, thereby improving the user experience.

[0156] For example, if a reserved field is set in the payment data packet, and the content of the reserved field is configured as "the latest subway operating time for the three-day New Year's Day holiday has been changed to 01:00", then after the payment data packet is sent to the terminal, the terminal can extract the temporary operating time information from the reserved field and output the temporary operating time information to inform the user of the latest subway operation status and improve the user experience.

[0157] For example, if a reserved field is set in the payment data packet, and the content of the reserved field is configured as "No stop at City Hall Station from 10:00 to 11:00 today", then after the payment data packet is sent to the terminal, the terminal can extract the change information of the location from the reserved field, and then output the change information of the location to inform the user of the temporary non-stop situation at City Hall Station, and prompt passengers going to City Hall Station to change their travel methods.

[0158] 406. The terminal receives the payment data packet sent by the NFC card reader.

[0159] 407. The terminal recharges the account with a second amount.

[0160] Specifically, in step 407, the terminal can determine the minimum recharge amount, referred to as the third amount, based on the first amount value in the payment data packet. The second amount recharged to the account in step 407 must be greater than or equal to this third amount value. This ensures that after the terminal recharges the account with the second amount, the account balance is greater than or equal to the first amount value.

[0161] In one embodiment provided in this application, the size of the corresponding third amount value is determined based on the size of the first amount value set in the NFC card reader. If the first amount value is the minimum amount required to meet the payment requirement, but the actual amount paid by the user is greater than the minimum amount, meaning the user's account balance will be negative when leaving, then the third amount value can be set to the sum of the absolute value of the account balance and the first amount value for this situation. If the first amount value is the maximum amount required to meet the payment requirement, meaning the user's account balance will not be negative when leaving, then the third amount value can be set to the first amount value for this situation.

[0162] For example, a city's subway charges based on travel distance, with fare options of 2 yuan, 4 yuan, 6 yuan, 8 yuan, and 10 yuan. A user's NFC card reader account has a balance of 2 yuan. The first fare value set on the NFC card reader is the minimum amount required to meet payment needs, i.e., 2 yuan. When the user swipes their card at the terminal, the account balance meets the payment requirement (i.e., the account balance equals the first fare value), and the user can enter the station and ride the subway normally. When the user swipes their card to exit the station, the actual cost is 6 yuan, and the NFC card reader account is charged, leaving a balance of -4 yuan. To prevent the account balance from becoming negative, i.e., when the first fare value is set to the minimum amount required to meet payment needs, a third fare value needs to be set to the sum of the absolute value of the account balance and the first fare value. In other words, when the user rides the subway again, they need to top up at least 6 yuan to enter the station.

[0163] For example, a city's subway charges based on travel distance, with fare standards of 2 yuan, 4 yuan, 6 yuan, 8 yuan, and 10 yuan. The user's NFC card reader account balance is 0 yuan, and the first fare value set on the NFC card reader is the maximum amount required for payment, which is 10 yuan. When the user swipes their card, the account balance is insufficient (less than the first fare value), requiring a top-up. The second top-up amount must be greater than or equal to the first fare value, meaning at least 10 yuan needs to be added. Since the account balance after the top-up is greater than or equal to 10 yuan, which is the maximum subway fare, the account balance is sufficient for the trip. If the account balance after exiting the station is 2 yuan, the account balance will not be negative. Since the first fare value set on the NFC card reader is the maximum amount required for payment, the third fare value can be set to the first fare value. In other words, when the user rides the subway again, they need to top up at least 8 yuan to enter the station.

[0164] It should be noted that the specific process of the terminal topping up the account with a second amount can be found in [reference needed]. Figure 9 , Figure 12 or Figure 13 The process is illustrated, and will not be repeated here.

[0165] The NFC recharge method provided in this application embodiment sends the payment data packet to the terminal only when the NFC card reader determines that the account balance is insufficient. Furthermore, this payment data packet includes a first amount value sufficient to meet the payment requirement. Therefore, after receiving the payment data packet, the terminal recharges the account with a second amount value based on a third amount value, ensuring that the recharged account balance meets the current payment requirement. Compared to the current method of manual account recharge by the user, this embodiment automatically triggers the NFC recharge process when the account balance is determined to be insufficient, thereby improving NFC recharge efficiency and enhancing the user experience.

[0166] Optional, such as Figure 7 As shown, after 406, the method provided in this application embodiment may also include 408 and 409.

[0167] 408. In response to the payment data packet, output a notification message indicating that the account balance is insufficient.

[0168] The notification message may include account balance information, the aforementioned third amount (i.e., minimum recharge amount), and recharge discount information, etc. This application embodiment does not specifically limit this.

[0169] For example, when a user swipes their subway card using an NFC-enabled terminal, and the account balance corresponding to the NFC card reader is insufficient, the terminal will receive a notification message indicating insufficient account balance. Specifically, the terminal can display something like... Figure 8 The interface shown includes a notification message 80 indicating insufficient account balance. This notification message 80 contains the account balance, minimum recharge amount, and recharge bonus information.

[0170] 409. The terminal receives user operations on notification messages.

[0171] Optionally, when a notification message indicating insufficient account balance is received, if the user's terminal is in a screen-on state, the terminal can directly receive the user's operation on the notification message; if the user's terminal is in a locked state, the terminal will first receive the user's unlock operation on the terminal, and after successful unlocking, it will receive the user's operation on the notification message.

[0172] It should be noted that the user's actions on the notification message can be: single-finger touch notification message, two-finger touch notification message, finger swipe notification message, etc. This embodiment does not make specific limitations on this.

[0173] After the terminal receives the user's operation on the notification message, it executes 407 to recharge the account with a second amount.

[0174] In this embodiment, after receiving the payment data packet sent by the NFC card reader, a notification message indicating insufficient account balance is output. The notification message prompts the user to perform a recharge operation by providing information such as account balance, minimum recharge amount, and recharge discounts. This allows the user to perform a more targeted recharge operation based on the notification message, thereby improving the user experience.

[0175] In one alternative embodiment, such as Figure 9 As shown, the terminal is configured with a default recharge amount for the account corresponding to the NFC card reader. The terminal can recharge the account with a second amount, which may include:

[0176] 901. The terminal obtains the default recharge amount for the account.

[0177] The default recharge amount can be either the terminal's default configured amount or a user-configured amount. For details on configuring the user-configured default recharge amount, please refer to [link / reference]. Figure 16 The process is illustrated, and will not be repeated here.

[0178] 902. The terminal determines whether the default recharge amount of the account is greater than or equal to the third amount.

[0179] Specifically, the third amount is the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance. For details on how to determine the third amount, please refer to [link / reference needed]. Figure 4 The method for determining the third monetary value will not be elaborated here in this embodiment.

[0180] If the default recharge amount of the account is greater than or equal to the third amount value in step 902, then jump directly to step 903 to continue execution; if the default recharge amount of the account is less than the third amount value, then execute steps 908-909, and then jump to step 903 to continue execution.

[0181] 908. The terminal displays the second recharge interface.

[0182] If the default recharge amount is less than the third amount, it means that the default recharge amount does not meet the current payment needs, and the user needs to select a new recharge amount. Therefore, in this embodiment, after determining that the default recharge amount is less than the third amount, the terminal displays a second recharge interface, allowing the user to select a recharge amount in the second recharge interface.

[0183] Specifically, the second recharge interface is a recharge amount selection interface, through which users can select the amount to recharge their account. The second recharge interface includes various recharge amount indications, which can be 30 yuan, 50 yuan, 100 yuan, or a custom recharge amount; this embodiment does not impose specific limitations.

[0184] Optionally, when the default recharge amount is determined to be less than the third amount, if the user's terminal is in a screen-on state, the terminal directly switches the currently displayed interface to the second recharge interface; if the user's terminal is in a locked state, the user needs to unlock the terminal, and after successful unlocking, the terminal directly switches to the second recharge interface. In this embodiment, by directly switching to the displayed second recharge interface, the user can quickly select a recharge amount that meets their payment needs, thereby improving recharge efficiency.

[0185] Furthermore, the second recharge interface includes a first prompt message, which indicates that the default recharge amount does not meet the payment requirements.

[0186] Furthermore, the initial prompt can also include a minimum payment amount to meet the payment requirements, i.e., a third amount value. This allows users to select the appropriate initial recharge amount based on the third amount value provided in the prompt, thus improving the user experience.

[0187] 909. Receive user operations on the first recharge amount in the second recharge interface.

[0188] Among them, the first recharge amount is greater than or equal to the third recharge amount.

[0189] like Figure 10 The second recharge interface shown is where users select the recharge amount. Figure 10 In the interface, select the first recharge amount of 120 (e.g., select 100 yuan), and then select the "Confirm Recharge" button to complete the recharge operation.

[0190] 903. The terminal displays the first recharge interface.

[0191] The first recharge interface is specifically a payment method selection interface, through which users can choose a payment method to recharge their account. The first recharge interface includes instructions for various payment methods, such as wallet payment, WeChat payment, Alipay payment, bank card payment, etc., which are not specifically limited in this embodiment.

[0192] In this embodiment, when the default recharge amount is determined to be greater than or equal to the third amount, if the user's terminal is in a screen-on state, the terminal directly switches from other currently displayed interfaces to the first recharge interface; if the user's terminal is in a locked state, the user needs to unlock the terminal, and after successful unlocking, the terminal directly switches to the first recharge interface. This embodiment allows users to quickly select a payment method by directly switching to the first recharge interface, thereby improving recharge efficiency.

[0193] In this embodiment, when it is determined that the default recharge amount is less than the third amount, the system receives the first recharge amount entered by the user on the second recharge interface. If the first recharge amount is greater than or equal to the third amount, the system switches the second recharge interface displayed on the terminal to the first recharge interface. If the entered first amount is less than the third amount, the terminal remains on the second recharge interface until the user selects the first recharge amount that meets the payment requirements. Then, the terminal jumps from the second recharge interface to the first recharge interface.

[0194] 904. The terminal receives the user's instruction information for the first payment method on the first recharge interface.

[0195] like Figure 11 The first recharge interface shown is for selecting a payment method. The product amount displayed is the default recharge amount, and the amount to be paid is the actual amount due. Due to recharge promotions or coupons, the amount to be paid may be less than the default payment amount. Figure 11 If the amount to be paid is the same as the price of the goods, meaning there are no promotional offers, the user needs to... Figure 11 In the interface, select the corresponding payment method, such as WeChat Pay 100, and then select the Confirm Payment button to complete the recharge operation.

[0196] 905. The terminal obtains the account balance of the first payment method.

[0197] 906a. The terminal determines whether the account balance of the first payment method is greater than or equal to the default recharge amount.

[0198] If 906a determines that the account balance of the first payment method is greater than or equal to the default recharge amount, then execute 907a; if 906a determines that the account balance of the first payment method is less than the default recharge amount, then execute 903 again, until a payment method with an account balance greater than or equal to the default recharge amount is selected.

[0199] It should be noted that 906a and 906b are two parallel steps. If the default recharge amount is greater than or equal to the third amount, then branch 906a is executed; if the default recharge amount is less than the third amount, then the first recharge amount is obtained, which is greater than or equal to the third amount, and branch 906b is executed.

[0200] 907a. The terminal recharges the account with the default recharge amount through the first payment method.

[0201] 906b. The terminal determines whether the account balance of the first payment method is greater than or equal to the first recharge amount.

[0202] If 906b determines that the account balance of the first payment method is greater than or equal to the first recharge amount, then execute 907b; if it determines that the account balance of the first payment method is less than the first recharge amount, then execute 903 again, until a payment method with an account balance greater than or equal to the default recharge amount is selected.

[0203] 907b. The terminal recharges the account with the first recharge amount through the first payment method.

[0204] In this embodiment, after obtaining the default recharge amount for the account, the terminal displays a first recharge interface, allowing the user to select a payment method and then recharge the account with the default amount according to the selected payment method. Since the first recharge interface can be accessed directly after the terminal obtains the default recharge amount, the user can quickly select a payment method from the displayed interface, thus improving recharge efficiency.

[0205] In one alternative embodiment, such as Figure 12 As shown, the terminal is configured with the default payment method for the account corresponding to the NFC card reader. The terminal tops up the account with a second amount, including:

[0206] 121. The default payment method for obtaining the terminal account.

[0207] The default payment method can be either the terminal's default configuration or a user-configured payment method. For details on configuring a user-configured default payment method, please refer to [link / reference]. Figure 16 The process is illustrated, and will not be repeated here.

[0208] 122. The terminal displays the second recharge interface.

[0209] It should be noted that if the terminal only obtains the account's default payment method, but not the account's default recharge amount, a second recharge interface needs to be displayed so that the user can select the recharge amount in the second recharge interface.

[0210] The second recharge interface displayed is a recharge amount selection interface, through which you can select the amount to recharge your account. The second recharge interface includes various recharge amount indication information, and the recharge amount can be 30 yuan, 50 yuan, 100 yuan, or a custom recharge amount. This embodiment does not make specific limitations.

[0211] Optionally, if the user's terminal is in a screen-on state and the terminal only obtains the account's default payment method, the terminal will directly switch from the other currently displayed interface to the second recharge interface; if the user's terminal is in a locked state, the user needs to unlock the terminal, and after successful unlocking, the terminal will directly switch to displaying the second recharge interface. In this embodiment, by directly switching to the displayed second recharge interface, the user can quickly select the recharge amount, thereby improving the recharge efficiency.

[0212] Optionally, if a notification message indicating insufficient account balance is received, and the user's terminal is in a screen-on state, and the terminal only obtains the account's default payment method, then after receiving the user's operation on the notification message, the terminal will switch the other currently displayed interface to the second recharge interface; if the user's terminal is in a locked state, the user needs to unlock the terminal, and after successfully unlocking and receiving the user's operation on the notification message, the terminal will enter the second recharge interface.

[0213] 123. The terminal receives the user's operation on the first recharge amount in the second recharge interface.

[0214] Specifically, the second recharge interface is a recharge amount selection interface, through which users can select the amount to recharge their account. The second recharge interface includes various recharge amount indications, which can be 30 yuan, 50 yuan, 100 yuan, or a custom recharge amount; this embodiment does not impose specific limitations.

[0215] like Figure 10 The second recharge interface shown is where users select the recharge amount. Figure 10 In the interface, select the first recharge amount of 120 (e.g., select 100 yuan), and then select the "Confirm Recharge" button to complete the recharge operation.

[0216] 124. The terminal determines whether the first recharge amount is greater than or equal to the third recharge amount.

[0217] Specifically, the third amount is the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance. For details on how to determine the third amount, please refer to [link / reference needed]. Figure 4 The second monetary value will not be described in detail in this embodiment.

[0218] In step 124, if it is determined that the first recharge amount is greater than or equal to the third amount, then jump to step 125 to continue execution; if it is determined that the first recharge amount is less than the third amount, then jump to step 122 to continue execution. That is, in the first recharge interface displayed in step 122, the user's operation on the first recharge amount is received again until the selected first recharge amount is greater than or equal to the third amount.

[0219] Furthermore, the second recharge interface includes a first prompt message, which indicates that the first recharge amount does not meet the current payment requirements. Specifically, when the terminal determines that the first recharge amount is less than the third amount, this prompt message is output on the second recharge interface to inform the user that the currently selected first recharge amount does not meet the payment requirements.

[0220] Furthermore, the initial prompt can also include a minimum payment amount to meet the payment requirements, i.e., a third amount value. This allows users to select the appropriate initial recharge amount based on the third amount value provided in the prompt, thus improving the user experience.

[0221] 125. The terminal obtains the account balance of the default payment method.

[0222] 126. The terminal determines whether the account balance of the default payment method is greater than or equal to the first recharge amount.

[0223] In step 126, if it is determined that the account balance of the default payment method is greater than or equal to the first recharge amount, then jump to step 129b to continue execution; if it is determined that the account balance of the default payment method is less than the first recharge amount, then execute steps 127-128 and then jump to step 129a to continue execution.

[0224] 129b. Recharge the account with the first recharge amount via the default payment method.

[0225] 127. The terminal displays the first recharge interface.

[0226] The first recharge interface is specifically a payment method selection interface, through which users can choose a payment method to recharge their account. The first recharge interface includes instructions for various payment methods, such as wallet payment, WeChat payment, Alipay payment, bank card payment, etc., which are not specifically limited in this embodiment.

[0227] Furthermore, the first recharge interface includes a second prompt message, which indicates that the account balance for the default payment method is insufficient to meet the current recharge requirement. Specifically, when the terminal determines that the account balance for the default payment method is less than the first recharge amount, this prompt message is displayed on the second recharge interface to inform the user that the account balance for the default payment method is insufficient to meet the recharge requirement.

[0228] Furthermore, the second prompt message can also include the minimum recharge amount required to meet the payment needs, i.e., the first recharge amount. This allows users to select their primary payment method based on the first recharge amount in the prompt message, improving the user experience.

[0229] 128. The terminal receives the user's operation on the first payment method on the first recharge interface.

[0230] Among them, the account balance of the first payment method is greater than or equal to the first recharge amount.

[0231] like Figure 11 The first recharge interface shown is for selecting a payment method. The product amount displayed is the default recharge amount, and the amount to be paid is the actual amount due. Due to recharge promotions or coupons, the amount to be paid may be less than the default payment amount. Figure 11 If the amount to be paid is the same as the price of the goods, meaning there are no promotional offers, the user needs to... Figure 11 In the interface, select the corresponding payment method, such as WeChat Pay 100, and then select the Confirm Payment button to complete the recharge operation.

[0232] 129a. Recharge the account with the first recharge amount through the first payment method.

[0233] In this embodiment, after obtaining the account's default payment method, the terminal displays a second recharge interface, allowing the user to select a first recharge amount and then recharge the account using the default payment method. Since the second recharge interface can be accessed directly after the terminal obtains the default payment method, the user can quickly select the recharge amount from the displayed interface, thus improving recharge efficiency.

[0234] In one alternative embodiment, such as Figure 13 As shown, the terminal is configured with the default payment method and default recharge amount for the account corresponding to the NFC card reader. Recharging the account with a second amount can include:

[0235] 131. Get the default recharge amount and default payment method.

[0236] The default recharge amount and default payment method can be either the terminal's default configuration or the user's configuration. For details on configuring the default recharge amount and default payment method for the user, please refer to [link / reference]. Figure 16 The process is illustrated, and will not be repeated here.

[0237] The default recharge amount is greater than or equal to the third amount, which is the first amount; alternatively, the third amount is the sum of the first amount and the absolute value of the account balance. For details on how the third amount is determined, please refer to [link / reference needed]. Figure 4 The second monetary value will not be described in detail in this embodiment.

[0238] 132. Determine whether the default recharge amount is greater than or equal to the third amount, and whether the account balance of the default payment method is greater than or equal to the default recharge amount.

[0239] In step 132, if it is determined that the default recharge amount is greater than or equal to the third amount, and the account balance of the default payment method is greater than or equal to the default recharge amount, then proceed to step 133; if it is determined that the default recharge amount is less than the third amount, then proceed to steps 134a-136a; if it is determined that the account balance of the default payment method is less than the default recharge amount, then proceed to steps 134b-136b; if it is determined that the default recharge amount is less than the third amount, and the account balance of the default payment method is less than the default recharge amount, then proceed to steps 134a-135a and 134b-135b respectively, and finally the two branches converge to step 137 for execution.

[0240] 133. If the default recharge amount is greater than or equal to the third amount, and the account balance of the default payment method is greater than or equal to the default recharge amount, the default recharge amount will be recharged to the account through the default payment method.

[0241] 134a. If the default recharge amount is less than the third amount, the terminal will display the second recharge interface.

[0242] 135a. The terminal receives the user's operation on the first recharge amount on the second recharge interface.

[0243] 136a. Recharge the account with the first recharge amount via the default payment method.

[0244] 134b. If the account balance of the default payment method is less than the default recharge amount, the terminal displays the first recharge interface.

[0245] 135b. The terminal receives the user's operation on the first payment method on the first recharge interface.

[0246] 136b. Recharge the account with the default recharge amount via the first payment method.

[0247] 137. Recharge the account with the first recharge amount through the first payment method.

[0248] It should be noted that in this embodiment, the first payment method is selected through the first recharge interface, and the first recharge amount is selected through the second recharge interface. This can be referred to as... Figure 9 , Figure 12 The content of the response section will not be repeated here in this embodiment.

[0249] In this embodiment, if the obtained default recharge amount is greater than or equal to the third amount, and the account balance of the default payment method is greater than or equal to the default recharge amount, the default recharge amount can be directly recharged to the account through the default payment method without requiring the user to perform any recharge operation. When the account balance is insufficient, the recharge operation is automatically completed, thereby improving the recharge efficiency.

[0250] Of course, to allow users to confirm the ongoing recharge action, after obtaining the default recharge amount and default payment method, the following can be displayed: Figure 14 The recharge confirmation interface shown contains the default recharge amount and default payment method set by the system or user. The user can complete the account recharge by confirming the "Recharge Now" button 140 on the recharge confirmation interface.

[0251] In an optional embodiment, if referring to Figure 9 , Figure 12 and Figure 13 The process successfully completed the account top-up, and the terminal can output the following: Figure 15 The account shown outputs a success notification message 150, which serves as a reminder to the user that the recharge has been completed.

[0252] In one embodiment of the present invention, before topping up a second amount between accounts, the user can set the default topping up amount and / or default payment method, as detailed below. Figure 16 As shown:

[0253] 161. Receive user actions on the first icon from the third recharge interface.

[0254] Figure 17 This is the third recharge interface, which is the entry point for configuring the default recharge amount and / or default payment method. The first icon, 170, indicates the automatic recharge function.

[0255] 162. Display the first configuration interface.

[0256] In this embodiment, after receiving the user's operation on the first icon 170 on the third recharge interface, the following is triggered to display: Figure 18 The first configuration interface shown is used to select the default recharge amount and / or the default payment method.

[0257] 163. Receive configuration operations from the user in the first configuration interface.

[0258] like Figure 18 As shown, the configuration operations in the first configuration interface can specifically be: configuring the default payment method 181 and / or configuring the default recharge amount 182. By operating the first configuration interface to configure the default payment method 181 and / or configure the default recharge amount 182, the default recharge amount value and / or default payment method can be indicated.

[0259] 164. Save the default recharge amount and / or default payment method for the configured operation instructions.

[0260] Optionally, if a user request is received... Figure 18In the first configuration interface, configuring the default recharge amount of 182 will trigger a display. Figure 19 The interface shown contains settings for configuring the default recharge amount. This interface offers several default recharge amount values ​​that users can select or customize. If the interface receives a recharge amount selected by the user and the user's confirmation button action, the selected recharge amount will be saved as the default recharge amount.

[0261] Optionally, if a user request is received... Figure 18 The operation of configuring the default payment method 181 in the first configuration interface will trigger the display. Figure 20 The interface shown displays the default payment method settings, offering various payment options for the user. If the interface receives the user's selected payment method and their confirmation button action, the selected payment method is saved as the default payment method.

[0262] Optionally, if a user request is received... Figure 18 The operation of configuring the default payment method 181 and the default recharge amount 182 in the first configuration interface will trigger the display. Figure 21 The interface shown displays the default payment method and default recharge amount. This interface offers users a variety of payment options and multiple default recharge amounts that can be selected or customized by the user. If the interface receives the user's selected payment method and recharge amount, along with the user's confirmation button action, the selected payment method is saved as the default payment method, and the recharge amount is saved as the default recharge amount.

[0263] Those skilled in the art will readily recognize that, based on the algorithmic steps of the various examples described in conjunction with the embodiments disclosed herein, this application can be implemented in hardware or a combination of hardware and computer software. Whether a function is implemented in hardware or by computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0264] This application embodiment can divide the terminal and NFC card reader into functional modules according to the above method example. For example, each function can be divided into a separate functional module, or two or more functions can be integrated into one processing module. The integrated module can be implemented in hardware or as a software functional module. It should be noted that the module division in this application embodiment is illustrative and only represents one logical functional division. In actual implementation, there may be other division methods.

[0265] When dividing each function into modules according to its corresponding function. Figure 22A schematic diagram of a possible configuration of the terminal 22 involved in the above and embodiments is shown, such as... Figure 22 As shown, the terminal 22 may include: a first receiving unit 221, a sending unit 222, and a recharge unit 223.

[0266] The first receiving unit 221 is used to receive payment commands sent by the NFC card reader.

[0267] The sending unit 222 is used to respond to the payment command and send the account balance corresponding to the NFC card reader in the terminal 22 to the NFC card reader.

[0268] The first receiving unit 221 is used to receive a payment data packet sent by an NFC card reader. The payment data packet is used to indicate that the account balance is insufficient, and the payment data packet includes a first amount value.

[0269] The recharge unit 223 is used to recharge a second amount to the account, and the account balance after the recharge is greater than or equal to the first amount.

[0270] Further optional, such as Figure 23 As shown, the terminal 22 may further include: an acquisition unit 224, a display unit 225, and a second receiving unit 226.

[0271] In one possible implementation, the acquisition unit 224 is used to acquire the default recharge amount of the account, which is greater than or equal to a third amount value, the third amount value being the first amount value, or the third amount value being the sum of the first amount value and the absolute value of the account balance.

[0272] Correspondingly, the display unit 225 is used to display a first recharge interface, which includes indication information for various payment methods.

[0273] Correspondingly, the second receiving unit 226 is used to receive the user's instruction information on the first payment method on the first recharge interface.

[0274] Correspondingly, the recharge unit 223 is specifically used to recharge the account with the default recharge amount through the first payment method.

[0275] In another possible implementation, the acquisition unit 224 is used to acquire the default payment method of the account.

[0276] Correspondingly, the display unit 225 is also used to display a second recharge interface, which includes indication information for various recharge amounts.

[0277] Correspondingly, the second receiving unit 226 is also used to receive the user's operation on the second recharge interface for the first recharge amount. The first recharge amount is greater than or equal to a third amount, the third amount being the first amount, or the third amount being the sum of the first amount and the absolute value of the account balance.

[0278] Correspondingly, recharge unit 223 is specifically used to recharge the account with the first recharge amount through the default payment method.

[0279] In another possible implementation, the acquisition unit 224 is also used to acquire the default recharge amount and default payment method of the account. The default recharge amount is greater than or equal to a third amount value, and the third amount value is the first amount value. Alternatively, the third amount value is the sum of the first amount value and the absolute value of the account balance.

[0280] Correspondingly, recharge unit 223 is specifically used to recharge the account with the default recharge amount through the default payment method.

[0281] Further optional, such as Figure 23 As shown, the terminal 22 may also include an output unit 227.

[0282] In one possible implementation, the output unit 227 is used to output a first prompt message if the default recharge amount or the first recharge amount is less than the third amount value. The first prompt message is used to indicate that the recharge amount does not meet the payment requirements.

[0283] Correspondingly, the second receiving unit 226 is also used to receive the user's operation on the second recharge interface for the second recharge amount value, which is greater than or equal to the third amount value, the third amount value is the first amount value, or the third amount value is the sum of the first amount value and the absolute value of the account balance.

[0284] Correspondingly, recharge unit 223 is also used to recharge the account with a second recharge amount.

[0285] In another possible implementation, the output unit 227 is further configured to output a second prompt message if the account balance of the first payment method is less than the default recharge amount, or the account balance of the default payment method is less than the first recharge amount, or the account balance of the default payment method is less than the default recharge amount, the second prompt message is used to indicate that the payment method has insufficient balance.

[0286] Correspondingly, the second receiving unit 226 is also used to receive the user's instruction information on the second payment method on the first recharge interface.

[0287] Correspondingly, the recharge unit 223 is also used to recharge a second amount to the account through a second payment method.

[0288] In another possible implementation, the output unit 227 is also used to output a notification message indicating insufficient account balance in response to the payment data packet.

[0289] Correspondingly, the second receiving unit 226 is also used to receive user operations on notification messages.

[0290] Correspondingly, the recharge unit 223 is also used to respond to the notification message and perform the recharge of a second amount to the account.

[0291] Further optional, such as Figure 23 As shown, the terminal 22 may also include a storage unit 228.

[0292] In one possible implementation, the second receiving unit 223 is also used to receive the user's operation on the first icon on the third recharge interface, the first icon being used to indicate the automatic recharge function.

[0293] Correspondingly, the display unit 225 is also used to display a first configuration interface, which is used to select the default recharge amount and / or the default payment method.

[0294] Correspondingly, the second receiving unit 223 is also used to receive the configuration operation of the user in the first configuration interface, which is used to indicate the default recharge amount and / or the default payment method.

[0295] Accordingly, storage unit 228 is used to save the default recharge amount and / or default payment method of the configuration operation instruction.

[0296] In another possible implementation, the second receiving unit 226 is also used to receive the user's first configuration operation on the first configuration interface and trigger the display unit 225 to display the second configuration interface, which includes indication information of various default recharge amount values.

[0297] Correspondingly, the second receiving unit 226 is also used to receive the user's instruction information on the first default recharge amount in the second configuration interface.

[0298] Correspondingly, storage unit 228 is also used to save the first default recharge amount value.

[0299] In another possible implementation, the second receiving unit 226 is also used to receive the user's second configuration operation on the first configuration interface and trigger the display unit 225 to display the third configuration interface, which includes indication information for multiple default payment methods.

[0300] Correspondingly, the second receiving unit 226 is also used to receive the user's instruction information on the first default payment method in the third configuration interface.

[0301] Correspondingly, the storage module 228 is also used to save the first default payment method.

[0302] In another possible implementation, the second receiving unit 226 is also used to receive the user's third configuration operation on the first configuration interface, triggering the display unit 225 to display the fourth configuration interface, which includes indication information for multiple default recharge amounts and multiple default payment methods.

[0303] Correspondingly, the second receiving unit 226 is also used to receive the user's operations on the first default recharge amount and the first default payment method in the fourth configuration interface.

[0304] Correspondingly, the storage module 228 is also used to save the first default recharge amount and the first default payment method.

[0305] When using integrated units, Figure 24 This diagram illustrates another possible structural design of the terminal 24 provided in this embodiment. The terminal 24 can be applied to the terminals described in the above embodiments. The terminal 24 may include a processing module 241, a storage module 242, and a display module 243. The processing module 241 controls and manages the actions of the terminal 24. The display module 243 displays content according to the instructions of the processing module 241. The storage module 242 stores the program code and data of the terminal 24. Furthermore, the terminal 24 may also include an input module and a communication module, which supports communication between the terminal 24 and other network entities to enable functions such as voice calls, data interaction, and Internet access.

[0306] The processing module 241 can be a processor or a controller. The communication module can be a transceiver, RF circuit, or communication interface, etc. The storage module 242 can be a memory. The display module 243 can be a screen or monitor. The input module can be a touch screen, a voice input device, or a fingerprint sensor, etc.

[0307] When the processing module 241 is a processor, the communication module is an RF circuit, the storage module 242 is a memory, and the display module 243 is a touch screen, the terminal 24 provided in this embodiment can be... Figure 3 The mobile phone shown is an example. The communication module described above may include not only RF circuitry, but also Wi-Fi, NFC, and Bluetooth modules. These communication modules, including RF circuitry, NFC, Wi-Fi, and Bluetooth, can be collectively referred to as the communication interface. The processor, RF circuitry, touchscreen, and memory described above can be coupled together via a bus.

[0308] When dividing each function into modules according to its corresponding function. Figure 25A schematic diagram illustrating a possible configuration of the NFC card reader described above and in the embodiments is shown. Figure 25 As shown, the NFC card reader 25 may include: a transmitting unit 251 and a receiving unit 252.

[0309] Sending unit 251 is used to send payment commands to the terminal.

[0310] The receiving unit 252 is used to receive the account balance corresponding to the NFC card reader sent by the terminal in response to the payment command.

[0311] The sending unit 251 is also used to send a payment data packet to the terminal. The payment data packet is used to indicate that the account balance is insufficient. The payment data packet includes a first amount value. The first amount value is used to recharge the account.

[0312] When using integrated units, Figure 26 This diagram illustrates another possible structure of the NFC card reader 26 provided in this embodiment. This NFC card reader 26 can be applied to the NFC card readers involved in the above embodiments. The NFC card reader 26 may include: a processing module 261, a storage module 262, and a communication module 263. The processing module 261 is used to control and manage the operation of the NFC card reader 26. The communication module 263 is used to communicate with other devices. The NFC card reader 26 may also include the storage module 263 for storing program code and data from the electronic device 230.

[0313] The processing module 261 can be a processor or controller. For example, it can be a CPU, general-purpose processor, DSP, ASIC, FPGA, or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute various exemplary logic blocks, modules, and circuits described in conjunction with the disclosure of this application. The processing module 261 can also be a combination that implements computing functions, such as including one or more microprocessor combinations, a combination of a DSP and a microprocessor, etc. The communication module 262 can be a communication port, or a transceiver, transceiver circuit, or communication interface, etc. Alternatively, the aforementioned communication interface can enable communication with other devices through the aforementioned transceiver components. The aforementioned transceiver components can be implemented by antennas and / or radio frequency devices.

[0314] As another embodiment of this invention, a computer-readable storage medium is provided, on which instructions are stored, which, when executed, perform the NFC recharge method in any of the above method embodiments.

[0315] As another form of this embodiment, a computer program product containing instructions is provided, which, when run on a computer, causes the computer to execute the NFC recharge method in any of the above method embodiments.

[0316] This application provides another chip system, which includes a processor for implementing the technical methods of the embodiments of the present invention. In one possible design, the chip system further includes a memory for storing program instructions and / or data necessary for the embodiments of the present invention. In another possible design, the chip system further includes a memory for the processor to call application code stored in the memory. This chip system may be composed of one or more chips, or may include chips and other discrete devices; this application does not specifically limit this.

[0317] The steps of the methods or algorithms described in this application can be implemented in hardware or by a processor executing software instructions. The software instructions can consist of corresponding software modules, which can be stored in RAM, flash memory, ROM, erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), registers, hard disks, portable hard disks, read-only optical discs (CD-ROMs), or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor, enabling the processor to read information from and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and storage medium can reside in an ASIC. Alternatively, the ASIC can reside in a core network interface device. Of course, the processor and storage medium can also exist as discrete components in the core network interface device. Alternatively, the memory can be coupled to the processor; for example, the memory can exist independently and be connected to the processor via a bus. The memory can also be integrated with the processor. The memory can be used to store application code that executes the technical solutions provided in the embodiments of this application, and its execution is controlled by the processor. The processor is used to execute application code stored in memory, thereby implementing the technical solutions provided in the embodiments of this application.

[0318] Through the above description of the embodiments, those skilled in the art will clearly understand that, for the sake of convenience and brevity, only the division of the above functional modules is used as an example. In practical applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. The specific working process of the system, device, and unit described above can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0319] In the embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces, or indirect coupling or communication connection between apparatuses or units, and may be electrical, mechanical, or other forms.

[0320] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of the embodiments of this application, depending on actual needs.

[0321] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0322] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application embodiment, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute all or part of the steps of the methods described in the various embodiments. The aforementioned storage medium includes various media capable of storing program code, such as flash memory, portable hard disk, read-only memory, random access memory, magnetic disk, or optical disk.

[0323] The above description is merely a specific implementation of the embodiments of this application, but the protection scope of this application is not limited thereto. Any changes or substitutions within the technical scope disclosed in the embodiments of this application should be covered within the protection scope of this application. Therefore, the protection scope of this application should be determined by the protection scope of the claims.

Claims

1. A near field communication (NFC) recharging method, characterized in that, Applied to a terminal, the method includes: When the terminal approaches the NFC card reader to swipe its card, it receives a payment command sent by the NFC card reader; the payment command is sent by the NFC card reader to the terminal via the NFC protocol stack. In response to the payment command, the account balance of the account corresponding to the NFC card reader in the terminal is sent to the NFC card reader; The system receives a payment data packet sent by the NFC card reader when the account balance is less than a first amount value. The payment data packet indicates that the account balance is insufficient. The payment data packet includes a first amount value field, which is an amount value that meets the payment requirement. The payment data packet is encapsulated in a data packet format specified by the NFC protocol. The payment data packet is sent directly by the NFC card reader to the NFC module in the terminal through the NFC protocol stack. The account is recharged with a second amount, and the account balance after the recharge is greater than or equal to the first amount.

2. The method of claim 1, wherein, The process of topping up the account with a second amount includes: Obtain the default recharge amount of the account, wherein the default recharge amount is greater than or equal to a third amount, wherein the third amount is the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance; The first recharge interface is displayed, which includes instructions for various payment methods; Receive user instructions on the first payment method from the user on the first recharge interface; The default recharge amount is recharged to the account using the first payment method.

3. The method according to claim 1, characterized in that, The process of topping up the account with a second amount includes: Obtain the default payment method for the account; The second recharge interface is displayed, which includes indication information for various recharge amounts; The system receives user input on the second recharge interface for a first recharge amount, where the first recharge amount is greater than or equal to a third amount, and the third amount is the first amount; or, the third amount is the sum of the first amount and the absolute value of the account balance. The first recharge amount is added to the account using the default payment method.

4. The method according to claim 1, characterized in that, The process of topping up the account with a second amount includes: Obtain the default recharge amount and default payment method of the account, wherein the default recharge amount is greater than or equal to a third amount value, the third amount value is the first amount value, or the third amount value is the sum of the first amount value and the absolute value of the account balance; The default payment method is used to top up the account with the default top-up amount.

5. The method according to any one of claims 2-4, characterized in that, The process of topping up the account with a second amount also includes: If the default recharge amount or the first recharge amount is less than the third amount, a first prompt message is output, which indicates that the recharge amount does not meet the payment requirements. The system receives user input on a second recharge interface for a second recharge amount, where the second recharge amount is greater than or equal to a third amount, and the third amount is the first amount; or, the third amount is the sum of the first amount and the absolute value of the account balance. The second recharge amount is added to the account.

6. The method according to any one of claims 2-4, characterized in that, The process of topping up the account with a second amount includes: If the account balance of the first payment method is less than the default recharge amount, or the account balance of the default payment method is less than the first recharge amount, or the account balance of the default payment method is less than the default recharge amount, output a second prompt message. The second prompt message is used to indicate that the account balance of the payment method is insufficient. Receive user instructions regarding the second payment method from the first recharge interface; The second payment method is used to top up the account with a second amount.

7. The method according to any one of claims 1-4, characterized in that, It includes a balance flag field and a first amount value field. The balance flag field is used to indicate whether the account balance is sufficient to complete the current payment, and the first amount value field is used to indicate the first amount value configured in the NFC card reader.

8. The method according to claim 7, characterized in that, The method further includes: In response to the payment data packet, output a notification message indicating that the account balance is insufficient; Receive the user's operation on the notification message and execute the action of recharging the account with a second amount.

9. The method according to any one of claims 1-4, characterized in that, The method further includes: The system receives user actions on the first icon in the third recharge interface. The first icon is used to indicate the automatic recharge function. The first configuration interface is displayed, which is used to select the default recharge amount and / or the default payment method; Receive configuration operations from the user in the first configuration interface, the configuration operations being used to indicate the default recharge amount and / or the default payment method; Save the default recharge amount and / or default payment method specified in the configuration operation instructions.

10. The method according to claim 9, characterized in that, The receiving of user configuration operations in the first configuration interface includes: The system receives a first configuration operation from the user on the first configuration interface and triggers the display of a second configuration interface, which includes indication information for various default recharge amount values. Receive user instructions regarding the first default recharge amount in the second configuration interface; Save the first default recharge amount.

11. The method according to claim 9, characterized in that, The receiving of user configuration operations in the first configuration interface includes: The system receives a second configuration operation from the user on the first configuration interface and triggers the display of a third configuration interface, which includes indication information for multiple default payment methods. Receive user instructions regarding the first default payment method in the third configuration interface; Save the first default payment method.

12. A method for recharging using Near Field Communication (NFC) technology, characterized in that, Applied to NFC card readers, the method includes: When a terminal approaches an NFC card reader to swipe its card, the NFC card reader sends a payment command to the terminal; the payment command is sent by the NFC card reader to the terminal via the NFC protocol stack. Receive the account balance of the account corresponding to the NFC card reader sent by the terminal in response to the payment command; If the account balance is less than a first amount value, a payment data packet is sent to the terminal. The payment data packet is used to indicate that the account balance is insufficient. The payment data packet includes a first amount value field, which is an amount value that meets the payment requirements. The first amount value is used to recharge the account. The payment data packet is encapsulated in the data packet format specified by the NFC protocol. The payment data packet is sent directly from the NFC card reader to the NFC module in the terminal through the NFC protocol stack.

13. A terminal, characterized in that, The terminal includes: The first receiving unit is used to receive a payment command sent by the NFC card reader when the terminal approaches the NFC card reader to swipe the card; the payment command is sent by the NFC card reader to the terminal via the NFC protocol stack. The sending unit is configured to respond to the payment command and send the corresponding information of the NFC card reader in the terminal to the NFC card reader. account Account balance; The first receiving unit is further configured to receive a payment data packet sent by the NFC card reader when the account balance is less than a first amount value. The payment data packet is used to indicate that the account balance is insufficient. The payment data packet includes a first amount value field, where the first amount value is an amount value that meets the payment requirement. The payment data packet is encapsulated in a data packet format specified by the NFC protocol. The payment data packet is sent directly by the NFC card reader to the NFC module in the terminal through the NFC protocol stack. The recharge unit is used to recharge the account with a second amount, and the account balance after the recharge is greater than or equal to the first amount.

14. The terminal according to claim 13, characterized in that, The terminal further includes: an acquisition unit, a display unit, and a second receiving unit; The acquisition unit is used to acquire the default recharge amount of the account, wherein the default recharge amount is greater than or equal to a third amount, the third amount is the first amount, or the third amount is the sum of the first amount and the absolute value of the account balance; The display unit is used to display a first recharge interface, which includes indication information for multiple payment methods. The second receiving unit is used to receive the user's instruction information on the first payment method on the first recharge interface; The recharge unit is specifically used to recharge the account with the default recharge amount through the first payment method.

15. The terminal according to claim 13, characterized in that, The terminal further includes: an acquisition unit, a display unit, and a second receiving unit; The acquisition unit is used to acquire the default payment method of the account; The display unit is used to display a second recharge interface, which includes indication information for various recharge amounts. The second receiving unit is used to receive the user's operation on the second recharge interface for a first recharge amount value, wherein the first recharge amount value is greater than or equal to a third amount value, and the third amount value is the first amount value, or the third amount value is the sum of the first amount value and the absolute value of the account balance; The recharge unit is specifically used to recharge the account with the first recharge amount through the default payment method.

16. The terminal according to claim 13, characterized in that, The terminal also includes an acquisition unit; The acquisition unit is used to acquire the default recharge amount and default payment method of the account, wherein the default recharge amount is greater than or equal to a third amount value, the third amount value is the first amount value, or the third amount value is the sum of the first amount value and the absolute value of the account balance; The recharge unit is specifically used to recharge the account with the default recharge amount through the default payment method.

17. The terminal according to any one of claims 14-16, characterized in that, The terminal further includes: an output unit and a second receiving unit; The output unit is used to output a first prompt message if the default recharge amount or the first recharge amount is less than the third amount value. The first prompt message is used to indicate that the recharge amount does not meet the payment requirements. The second receiving unit is used to receive the user's operation on the second recharge interface for a second recharge amount value, wherein the second recharge amount value is greater than or equal to a third amount value, and the third amount value is the first amount value, or the third amount value is the sum of the first amount value and the absolute value of the account balance; The recharge unit is specifically used to recharge the account with the second recharge amount.

18. The terminal according to any one of claims 13-16, characterized in that, It includes a balance flag field and a first amount value field. The balance flag field is used to indicate whether the account balance is sufficient to complete the current payment, and the first amount value field is used to indicate the first amount value configured in the NFC card reader.

19. The terminal according to any one of claims 13-16, characterized in that, The terminal further includes: a second receiving unit, a display unit, and a storage unit; The second receiving unit is used to receive the user's operation on the first icon on the third recharge interface. The first icon is used to indicate the automatic recharge function. The display unit is used to display a first configuration interface, which is used to select a default recharge amount and / or a default payment method. The second receiving unit is further configured to receive configuration operations performed by the user in the first configuration interface, wherein the configuration operations are used to indicate the default recharge amount and / or the default payment method; The storage unit is used to save the default recharge amount and / or default payment method indicated by the configuration operation.

20. A near-field communication (NFC) card reader, characterized in that, The NFC card reader includes: The sending unit is used to send a payment command to the terminal when the terminal is near the NFC card reader to swipe its card; the payment command is sent to the terminal by the NFC card reader via the NFC protocol stack. The receiving unit is used to receive the account balance of the account corresponding to the NFC card reader sent by the terminal in response to the payment command; The sending unit is further configured to send a payment data packet to the terminal when the account balance is less than a first amount value. The payment data packet is used to indicate that the account balance is insufficient. The payment data packet includes a first amount value field, which is an amount value that meets the payment requirements. The first amount value is used to recharge the account. The payment data packet is encapsulated in a data packet format specified by the NFC protocol. The payment data packet is sent directly from the NFC card reader to the NFC module in the terminal through the NFC protocol stack.

21. A communication device, characterized in that, include: A memory and a processor, the memory being used to store a computer program, and the processor being used to invoke the computer program to perform the method according to any one of claims 1-12.

22. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when run on a computer, causes the computer to perform the method described in any one of claims 1-12.

23. A computer program product, characterized in that, The computer program product includes computer instructions that, when executed on a computer, cause the computer to perform the method as described in any one of claims 1-12.

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