A payment method, device, equipment and medium based on near field communication

Abstract

The embodiments of this specification disclose a payment method, device, equipment and medium based on near field communication. The scheme includes: a mobile terminal with near field communication function sends an electromagnetic signal for triggering an NFC tag; obtains tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information; based on the payment link information, displays a payment page including user information of the first transaction party; obtains payment information provided by the second transaction party based on the payment page; sends a payment processing request including the payment information to a server, and the server is used to complete the payment based on the payment processing request.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a payment method, device, equipment and medium based on near field communication. Background Art

[0002] With the development of computer technology, mobile payment based on payment code is becoming more and more popular, which greatly improves the payment experience of users. However, with the development of mobile applications, games, novels, short videos and other applications occupy more and more time on the terminal screen. When paying, users must exit the current application, find the payment application with payment function from the application list of the terminal, and then start the code scanning function or open the payment code in the payment application, which is complicated for users.

[0003] Therefore, how to simplify users' payment operations and improve user experience is a technical problem that needs to be solved urgently. Summary of the invention

[0004] The embodiments of this specification provide a payment method, device, equipment and medium based on near field communication to solve the problem of complex user operations in existing payment methods.

[0005] To solve the above technical problems, the embodiments of this specification are implemented as follows:

[0006] A payment method based on near field communication provided in an embodiment of this specification includes:

[0007] A mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag;

[0008] Acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0009] Based on the payment link information, displaying a payment page including user information of the first transaction party;

[0010] Obtaining payment information provided by the second transaction party based on the payment page;

[0011] A payment processing request including the payment information is sent to a server, and the server is used to complete the payment based on the payment processing request.

[0012] A payment method based on near field communication provided in an embodiment of this specification includes:

[0013] A mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag;

[0014] Acquiring tag information of an NFC tag that responds to the electromagnetic signal; the tag information is used to trigger a payment process;

[0015] Based on the tag information, acquiring transaction identification information for representing the user payment account information in the mobile terminal;

[0016] The transaction identification information is sent to a payment device associated with the NFC tag, and the payment device is used to execute a payment process according to the transaction identification information.

[0017] A payment method based on near field communication provided in an embodiment of this specification includes:

[0018] The mobile terminal with near field communication function obtains tag information of the NFC tag associated with the payment device;

[0019] Based on the tag information, starting a payment application in the mobile terminal;

[0020] Based on the activated payment application, a payment processing request is sent to a server; the server is used to process the payment service based on the payment processing request and feedback payment result information;

[0021] Based on the payment result information fed back by the server, a transaction result page is displayed.

[0022] A payment method based on near field communication provided in an embodiment of this specification includes:

[0023] The server obtains a payment processing request including payment information sent by a mobile terminal having a near field communication function; the payment information is provided by the second transaction party based on a payment page displaying user information including the first transaction party; the payment page is generated by the mobile terminal based on tag information in the obtained NFC tag; the tag information includes payment link information;

[0024] Based on the payment processing request, the payment service for the first transaction party and the second transaction party is completed.

[0025] A payment method based on near field communication provided in an embodiment of this specification includes:

[0026] The server obtains a payment information acquisition request generated by a mobile terminal with a near field communication function based on tag information in the obtained NFC tag; the tag information is used to trigger a payment process;

[0027] Based on the payment information acquisition request, generating transaction identification information for representing the user payment account information in the mobile terminal;

[0028] The transaction identification information is sent to a payment device associated with the NFC tag; the payment device is used to execute a payment process according to the transaction identification information.

[0029] A payment method based on near field communication provided in an embodiment of this specification includes:

[0030] The server obtains a payment processing request sent by the mobile terminal; the payment processing request is sent by a payment application started by the mobile terminal based on tag information in the NFC tag;

[0031] Processing a payment service based on the payment request and generating payment result information;

[0032] The payment result information is fed back to the mobile terminal.

[0033] The embodiment of this specification provides a payment device based on near field communication, including:

[0034] A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag;

[0035] A tag information acquisition module, used to acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0036] A page display module, configured to display a payment page including user information of the first transaction party based on the payment link information;

[0037] A payment information acquisition module, used to acquire payment information provided by the second transaction party based on the payment page;

[0038] The request sending module is used to send a payment processing request containing the payment information to a server, and the server is used to complete the payment based on the payment processing request.

[0039] The embodiment of this specification provides a payment device based on near field communication, including:

[0040] A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag;

[0041] A tag information acquisition module, used to acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information is used to trigger a payment process;

[0042] A transaction identification acquisition module, used to acquire transaction identification information representing user payment account information in the mobile terminal based on the tag information;

[0043] The transaction identification sending module is used to send the transaction identification information to a payment device associated with the NFC tag, and the payment device is used to execute a payment process according to the transaction identification information.

[0044] The embodiment of this specification provides a payment device based on near field communication, including:

[0045] A tag information acquisition module, used to acquire tag information of an NFC tag associated with a payment device;

[0046] An application startup module, used to start a payment application in the mobile terminal based on the tag information;

[0047] A request sending module, used for sending a payment processing request to a server based on the payment application started; the server is used for processing a payment service based on the payment processing request and feeding back payment result information;

[0048] The page display module is used to display the transaction result page based on the payment result information fed back by the server.

[0049] The embodiment of this specification provides a payment device based on near field communication, including:

[0050] a request acquisition module, configured to acquire a payment processing request including payment information sent by a mobile terminal having a near field communication function; the payment information is provided by the second transaction party based on a payment page displaying user information including the first transaction party; the payment page is generated by the mobile terminal based on tag information in the acquired NFC tag; the tag information includes payment link information;

[0051] A request processing module is used to complete the payment service for the first transaction party and the second transaction party based on the payment processing request.

[0052] The embodiment of this specification provides a payment device based on near field communication, including:

[0053] A request acquisition module, used to acquire a payment information acquisition request generated by a mobile terminal with a near field communication function based on tag information in an acquired NFC tag; the tag information is used to trigger a payment process;

[0054] An information generation module, used to generate transaction identification information representing the user payment account information in the mobile terminal based on the payment information acquisition request;

[0055] The sending module is used to send the transaction identification information to a payment device associated with the NFC tag; the payment device is used to execute a payment process according to the transaction identification information.

[0056] The embodiment of this specification provides a payment device based on near field communication, including:

[0057] A request acquisition module, used to acquire a payment processing request sent by a mobile terminal; the payment processing request is sent by a payment application started by the mobile terminal based on tag information in the NFC tag;

[0058] A payment processing module, used to process payment services based on the payment request and generate payment result information;

[0059] The result sending module is used to feed back the payment result information to the mobile terminal.

[0060] A payment device based on near field communication provided in an embodiment of this specification includes:

[0061] at least one processor; and,

[0062] a memory communicatively connected to the at least one processor; wherein,

[0063] The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform a payment method based on near field communication.

[0064] An embodiment of the present specification provides a computer-readable medium on which computer-readable instructions are stored. The computer-readable instructions can be executed by a processor to implement a payment method based on near field communication.

[0065] At least one embodiment of this specification can achieve the following beneficial effects:

[0066] In the embodiment of this specification, the mobile terminal can obtain the payment link information in the NFC tag through near field communication. The mobile terminal can display the payment page based on the information. The user can complete the payment by entering the payment amount and other payment information in the payment page. In this way, the user does not need to find the payment application and then perform the corresponding payment operation in the payment application. For example, in the scenario where the payment code needs to be scanned for payment, the user does not need to find the payment application and then select the code scanning function in the payment application. In the embodiment of this specification, the mobile terminal can display the payment page based on the information in the NFC tag, which can simplify the user operation and improve the user experience.

[0067] In at least one embodiment, the mobile terminal obtains the tag information in the NFC tag for triggering the payment process through near field communication, obtains the transaction identification information and sends it to the payment device to make the payment. In this way, the user does not need to find the payment application and then perform the corresponding payment operation in the payment application. For example, in the scenario where the payment code needs to be presented and scanned by the payment device for payment, the user does not need to find the payment application and then select the payment code in the payment application for display. In the embodiments of this specification, the mobile terminal can send the transaction identification information for payment to the payment device based on the information in the NFC tag, which can simplify the user operation and improve the user experience.

[0068] In at least one embodiment, the mobile terminal can obtain the tag information in the NFC tag through near field communication, start the payment application in the mobile terminal, and initiate a payment processing request to the server. The server can process the payment service and feedback the result information to the mobile terminal. In this way, payment can be triggered through NFC, and the user does not need to manually find the payment application and then manually start the payment application to make payment, which can simplify user operations and improve user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0069] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0070] Figure 1 This is a schematic diagram of an application scenario of a payment method based on near field communication in an embodiment of this specification;

[0071] Figure 2 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0072] Figure 3 A swim lane diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0073] Figure 4 This is a schematic diagram of an application scenario of a payment method based on near field communication in an embodiment of this specification;

[0074] Figure 5 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0075] Figure 6 A swim lane diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0076] Figure 7 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0077] Figure 8 A schematic diagram of a payment reminder page provided in an embodiment of this specification;

[0078] Fig. 9 A schematic diagram of a payment page provided in an embodiment of this specification;

[0079] Fig.10 A schematic diagram of a transaction result page provided in an embodiment of this specification;

[0080] Fig.11 A schematic diagram of displaying prompt information provided in an embodiment of this specification;

[0081] Fig.12 A schematic diagram of displaying prompt information provided in an embodiment of this specification;

[0082] Fig.13 A schematic diagram of displaying prompt information provided in an embodiment of this specification;

[0083] Fig.14 A schematic diagram of a setting page provided in an embodiment of this specification;

[0084] Fig.15 A schematic diagram of a payment response page provided in an embodiment of this specification;

[0085] Fig.16 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0086] Fig.17 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0087] Fig.18 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0088] Fig.19 The embodiments of this specification provide corresponding to Figure 2 A schematic diagram of the structure of a payment device based on near field communication;

[0089] Fig. 20 The embodiments of this specification provide corresponding to Figure 5 A schematic diagram of the structure of a payment device based on near field communication;

[0090] Fig.21 The embodiments of this specification provide corresponding to Figure 7A schematic diagram of the structure of a payment device based on near field communication;

[0091] Fig. 22 The embodiments of this specification provide corresponding to Fig.16 A schematic diagram of the structure of a payment device based on near field communication;

[0092] Fig.23 The embodiments of this specification provide corresponding to Fig.17 A schematic diagram of the structure of a payment device based on near field communication;

[0093] Fig.24 The embodiments of this specification provide corresponding to Fig.18 A schematic diagram of the structure of a payment device based on near field communication;

[0094] Fig.25 A schematic diagram of the structure of a payment device based on near field communication provided in an embodiment of this specification. DETAILED DESCRIPTION

[0095] In order to make the purpose, technical solutions and advantages of one or more embodiments of this specification clearer, the technical solutions of one or more embodiments of this specification will be clearly and completely described below in combination with the specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of one or more embodiments of this specification.

[0096] The technical solutions provided by the embodiments of this specification are described in detail below in conjunction with the accompanying drawings.

[0097] In the prior art, when purchasing goods, users usually need to present a payment code or scan the merchant's payment code to pay. Usually, users need to find a payment application in the terminal, and then select the payment code or scan code function to make a payment. If the user is using other applications in the terminal before payment, such as reading e-books, watching videos, etc., the user needs to exit the current application, then find the payment application, and then find the payment code or scan code function, which is a complicated user operation.

[0098] In order to solve the defects in the prior art, this solution provides the following embodiments:

[0099] Figure 1 FIG. 1 is a schematic diagram of an application scenario of a payment method based on near field communication in an embodiment of this specification. Figure 1As shown, the solution may include a mobile terminal 1 with a near field communication function, an NFC tag 2 carrying tag information, and a server 3 for handling payment services. When the mobile terminal 1 is close to the NFC tag 2, when it reaches a certain distance, the NFC tag can be triggered to obtain the tag information contained in the NFC tag 2, and the tag information may include payment link information for displaying a payment page. The mobile terminal 1 can display the payment page based on the obtained tag information, and the user can enter the payment amount and other information in the payment page. The terminal 1 can send a payment request containing the payment information to the server 3, and the server 3 can process the payment request to complete the payment.

[0100] Next, a payment method based on near field communication provided in the embodiment of the specification will be specifically described with reference to the accompanying drawings:

[0101] Figure 2 The following is a flow chart of a payment method based on near field communication provided in an embodiment of the present specification. From the program perspective, the execution subject of the process can be a program or application client installed in an application server or terminal application.

[0102] like Figure 2 As shown, the process may include the following steps:

[0103] Step 202: A mobile terminal with a near field communication function sends an electromagnetic signal for triggering an NFC tag.

[0104] NFC (Near Field Communication) is a near field communication technology, and mobile terminals can have NFC near field communication functions. Mobile terminals can include portable, wearable and other movable terminals, such as mobile phones, smart watches, etc. Near field communication, also known as short-range wireless communication, is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission and exchange of data between electronic devices. In the embodiments of this specification, the NFC tag can be a passive electronic tag or electronic chip, which can generate an induction signal with the mobile device and transmit data when a mobile device with near field communication function is close. After turning on the near field communication function, the mobile device can send electromagnetic signals, which can activate NFC tags within a preset distance to perform data transmission. The specific NFC communication process can refer to the existing NFC communication technology and will not be repeated here.

[0105] Step 204: Acquire tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information.

[0106] The tag information to be transmitted can be pre-written in the NFC tag. In the embodiment of this specification, the tag information may include link information for payment, for example, it may include the payment application to be invoked and the payment link information. The mobile terminal can invoke and display the payment page based on the acquired tag information.

[0107] Step 206: Based on the payment link information, a payment page including user information of the first transaction party is displayed.

[0108] The first transaction party can be understood as the party to which the NFC tag belongs. If the NFC tag is used as a tag for receiving payment, the first transaction party can represent the payee. If the NFC tag is a tag for payment, the first transaction party can represent the payee. The tag information in the NFC tag can be generated based on the transaction party information provided by the first transaction party. In actual applications, the payment link information used to invoke the payment page can be written into the NFC tag according to the NFC communication protocol.

[0109] Step 208: Obtain payment information provided by the second transaction party based on the payment page.

[0110] The second transaction party and the first transaction party can represent the two parties that have a transaction relationship. For example, if the NFC tag is used as a tag for collecting payment, the first transaction party can represent the payee, and the second transaction party can represent the payee; if the NFC tag is a tag for payment, the first transaction party can represent the payer, and the second transaction party can represent the payee. The payment page may include an area for filling in or selecting payment information such as payment amount and payment method, and the transaction information can be filled in according to actual transaction needs. The payment page in the embodiment of this description may be the same or similar to the existing payment page entered by scanning a QR code or other payment code at the terminal. The user can provide payment information in accordance with the existing commonly used operation method, which can be more in line with user habits. In actual applications, the layout, format, content, etc. of the payment page can also be set according to actual needs, and no specific limitation is made here. For example, in actual applications, the first transaction party can set the transaction amount information according to actual transaction needs, or the transaction amount can be set by the second transaction party. In this way, the payment page can include the transaction amount information set by the first transaction party or the second transaction party according to the required payment amount. The second transaction party can perform an operation to confirm the transaction information, such as clicking the OK control or after a preset time period, such as after a 3-second or 5-second countdown, if the user does not cancel the payment, if the cancel control is not clicked, it can indicate that the information in the payment page of the second transaction party has been confirmed, and the terminal can obtain the payment information containing the transaction amount information.

[0111] It is understandable that the second transaction party can perform some substantial operations on the payment page, such as clicking on the control indicating confirmation, filling in the payment amount, confirming or selecting the payment method, etc. to perform real operations on the payment page; the second transaction party can also perform non-substantial operations on the payment page, for example, the payment page can display countdown information or the payment page does not display countdown information but executes the countdown program in the terminal background. If the user does not operate the payment page before the countdown ends, such as not performing the operation of canceling the payment, it can indicate that the user agrees to make the payment, or it can indicate that the user has confirmed the payment information. Among them, the user does not perform the operation of canceling the payment, which can indicate that the user has not performed substantial operations for the payment page, or it can indicate that the user has performed an inaction type operation on the payment page. That is to say, in the embodiments of this specification, the above-mentioned acquisition of the payment information provided by the second transaction party based on the payment page can include obtaining the payment information provided by the substantial operations or non-substantial operations performed by the second transaction party on the payment page, which is not specifically limited here.

[0112] Step 210: Send a payment processing request including the payment information to a server, where the server is used to complete the payment based on the payment processing request.

[0113] The mobile terminal can generate a payment processing request based on the payment information provided by the user and send it to the server, so that the server can complete the payment service based on the received payment processing request. The payment processing request can include payment information such as transaction party information, transaction amount, transaction method, etc., so that the server can complete the payment for both parties of the transaction. In actual applications, the payment method or transaction method can include a payment account provided by a financial institution, such as a bank card account of a bank; it can also include a payment account of a third-party payment application, such as the payment account corresponding to the second transaction party in a third-party payment application; it can also include the payment account of other users associated with the second transaction party, such as family number payment, etc.

[0114] It should be understood that the order of some steps in the methods described in one or more embodiments of this specification can be interchanged according to actual needs, or some steps can be omitted or deleted. For example, in order to further improve payment efficiency, if the tag information of the NFC tag contains payment information, such as the first transaction party has written information such as the transaction amount or order number into the tag information of the NFC tag according to actual needs, the above steps 206 and 208 can be omitted, and the payment process can be triggered based on the tag information, and a payment request can be sent to the server so that the server processes the payment request to complete the payment.

[0115] Figure 2In the method, the mobile terminal can obtain the payment link information in the NFC tag through near field communication, and the mobile terminal can display the payment page based on the information. The user can complete the payment by entering the payment information such as the payment amount in the payment page. In this way, the user does not need to find the payment application and then perform the corresponding payment operation in the payment application. For example, in the scenario where the payment code needs to be scanned for payment, the user does not need to find the payment application and then select the code scanning function in the payment application. In the embodiment of this specification, the mobile terminal can display the payment page based on the information in the NFC tag, which can simplify the user operation and improve the user experience.

[0116] Common payment solutions based on near-field communication in the prior art, such as NFC card payment on buses and subways, simulate mobile terminals such as mobile phones into NFC cards, and use NFC near-field communication technology to send the information in the NFC card to payment devices, such as bus card machines and subway gates, and then the payment is completed by the payment device. The payment device needs to be laid out at specific scene points, and the payment device is equivalent to an NFC card reader, which is costly.

[0117] In actual applications, most mobile terminals have near-field communication functions and have near-field communication modules. In the embodiments of this specification, the mobile terminal is equivalent to an NFC card reader. The NFC tag can be a passive electronic tag, which can simplify the payment process with the help of the functions of the mobile terminal itself. In addition, the NFC tag is small in size and can be conveniently placed at the location where payment is required. There is no need to modify or over-modify existing hardware equipment. It is low in cost and can be applied to a variety of occasions and has a wider range of applications.

[0118] Furthermore, in the embodiments of the present specification, by means of near field communication, a payment page can be displayed when the mobile terminal is close to an NFC tag carrying information used for payment. The user provides payment information on the payment page, and the payment page can be the same as the payment page presented to the user by scanning the code through the terminal. For the server that processes the payment request, the existing processing link can be used to process the payment request without building a new business processing link, which can also reduce the workload of developers and the server overhead, and is conducive to accelerating the implementation of the NFC communication payment method.

[0119] based on Figure 2 The method, the examples of this specification also provide some specific implementation plans of the method, which are described below.

[0120] In actual applications, payment can be made through a payment application with a payment function in a mobile terminal. Optionally, the tag information in the embodiment of this specification may include instruction information for starting the payment application; the payment page containing the user information of the first transaction party is displayed based on the payment link information, and specifically may include:

[0121] Based on the instruction information, starting the payment application in the mobile terminal;

[0122] Based on the started payment application, the payment page corresponding to the first transaction party is displayed.

[0123] The payment application may represent a terminal application with a payment function, wherein, after the mobile terminal obtains the instruction information for starting the payment application in the tag information through near field communication, the payment application in the terminal may be started, and then a payment page may be displayed based on the started payment application. The payment page may represent an application page of the payment application.

[0124] The instruction information may include the application identifier of the payment application to be started. After the terminal reads the instruction information, it may determine the payment application based on the application identifier. In actual applications, it may also be determined whether the payment application exists in the terminal. If not, a prompt message indicating that payment cannot be made may be generated, or a prompt message prompting the user to download and install the payment application may be generated; if it exists, the payment application may be started.

[0125] In actual applications, the NFC tag information may include information for indicating the processed business, for example, information for displaying a payment page, and the mobile terminal may display the payment page according to the tag information. Optionally, in the embodiments of this specification, the tag information may include request identification information for requesting to obtain payment page information; the payment application based on startup, displaying the payment page, may specifically include:

[0126] The payment application in the startup state generates a payment page information acquisition request according to the request identification information;

[0127] Sending the payment page acquisition request to the server;

[0128] Obtain payment page information including user information of the first transaction party generated by the server based on the payment page acquisition request;

[0129] Based on the payment page information, a payment page including the user information of the first transaction party is displayed.

[0130] The tag information may include information about the first transaction party, such as merchant identification information, and may also include token information for requesting the server to provide information required for the payment page. The mobile terminal or the activated payment application may send a request to the server for obtaining payment page information. The server may generate payment page information based on the user information of the first transaction party and feedback it to the mobile terminal. The mobile terminal may render and display the payment page based on the obtained payment page information. In the implementation application, the payment page information may also be generated by the mobile terminal. For example, the mobile terminal may include a page template for the payment page. If the NFC tag information includes the name, nickname, account identification and other information of the first transaction party, the mobile terminal may add the information of the first transaction party to the page template, and may also determine the payment method used by the user logged in to the mobile terminal, and add the payment method information to the page template, so as to generate and display the payment page.

[0131] In actual applications, the payment page may include information about the first transaction party, such as the merchant name, the payee nickname, partial information about the payee account, the payee name, etc. It may also include an area for filling in or selecting the payment amount, and controls such as a submit control and a payment confirmation control for confirming the payment information. In actual applications, after the user submits the payment information, a payment password input page may also be displayed so that the user can enter the password to make the payment.

[0132] To ensure payment security, the transaction parties may also be verified in the embodiments of this specification. Optionally, the tag information in the embodiments of this specification may include user identification information of the first transaction party; for example, payee information, merchant information, etc. The method in the embodiments of this specification may also include:

[0133] Based on the user identification information, determining whether the first transaction party has transaction authority, and obtaining a determination result;

[0134] The displaying of the payment page including the user information of the first transaction party may specifically include:

[0135] If the determination result indicates that the first transaction party has transaction authority, a payment page including user information of the first transaction party is displayed.

[0136] In actual applications, the legality and compliance of the transaction parties can be verified. The server with verification function can store information of transaction parties with transaction authority, such as a list of transaction parties with transaction authority. It can determine whether the first transaction party is a transaction party with transaction authority, or determine whether the first transaction party is in the list of transaction parties with transaction authority. If so, it can be determined that the first transaction party has transaction authority. The compliance of the transaction party can also be verified by a third party. The specific verification method is not specifically limited here.

[0137] In the prior art, payment codes such as QR codes are usually placed at the cash register or pasted in a place convenient for users to pay, or can be carried by merchants. In the embodiments of this specification, the NFC tag can be carried on an existing payment code card, for example, pasted or placed behind or on the side of the QR code image, etc., which does not affect the recognition of the QR code, and an independent carrier can be set to place the NFC tag. Optionally, the NFC tag described in the embodiments of this specification can be located in a carrier containing the payment code of the first transaction party, or can be located in a carrier that does not contain the payment code of the first transaction party. The payment code can be understood as a scannable payment code image in the form of a common QR code or other image.

[0138] Since the NFC tag is small in size, in the embodiments of this specification, the NFC tag can be placed in any convenient position for users to pay, for example, it can be placed on the back of the carrier of the payment code or on the front position that does not affect the payment code. The user can enter the payment process and display the payment page by bringing the mobile terminal close to or close to the carrier. A payment card for payment via near field communication can also be set. The payment card can contain an identification for payment based on near field communication. The user can also enter the payment process and display the payment page by bringing the mobile terminal close to or close to the payment card.

[0139] In actual applications, before making a payment, the user may use the mobile terminal to process other services, such as watching videos, playing games, reading e-books, reading news information, communicating with other users using instant messaging, etc. In the embodiment of this specification, the user does not need to exit the current application being used before payment, and can also make a payment. Optionally, in the embodiment of this specification, when obtaining the tag information of the NFC tag containing the payment link information, the mobile terminal is displaying the application page of the second application, and the display corresponds to the payment page of the first transaction party, which may specifically include:

[0140] The payment page is displayed in an overlay on the application page of the second application.

[0141] In actual application, the payment page may be displayed in a partial area or in the entire area of ​​the application page of the second application.

[0142] Optionally, the method in the embodiments of this specification may further include:

[0143] Obtaining an exit operation of the second transaction party on the payment page;

[0144] Based on the exit operation, switch to the application page of the second application for display.

[0145] The payment page may include controls for indicating exiting the payment page, such as a payment confirmation control and a close control. The user may exit the payment page by operating the controls, or by performing preset operations on the payment page, such as sliding left, right, up, down, or other preset directions. After exiting the payment page in the embodiments of this specification, the application page displayed on the terminal before payment may continue to be displayed, which may further improve the user experience.

[0146] In the embodiments of this specification, after the user submits the payment information or enters the payment password, a page indicating the transaction results may also be displayed. The transaction result page may also be superimposed on the entire or partial area of ​​the application page of the second application, and the transaction result page may also include a control for exiting or closing the page. After exiting or closing the page, the application page of the second application may continue to be displayed.

[0147] In actual applications, after the mobile terminal obtains the information indicating the transaction result, it can also generate prompt information indicating the transaction result, such as a short message, a prompt tone, etc., and can also display the prompt information based on the application page of the second application.

[0148] In actual applications, when a merchant allows multiple payment applications to be used for payment, after the mobile terminal approaches or comes close to the NFC tag, a page for the user to select a payment application may be displayed, and the user may select a payment application to make payment. Optionally, the tag information in the embodiments of this specification may include first trigger information, and the first trigger information is used to trigger the mobile terminal to determine a terminal application with a payment function in the mobile terminal and generate an application selection page; the method in the embodiments of this specification may also include:

[0149] In response to the first trigger information, determining a terminal application having a payment function in the mobile terminal;

[0150] Based on the terminal application with payment function, generating an application selection page;

[0151] The application selection page is displayed.

[0152] The application selection page may include application identifiers of terminal applications with payment functions, such as icons, etc.; the terminal applications may be sorted and displayed in order of their launch time, and the terminal applications most recently used by the user may be placed in the front.

[0153] Optionally, after the application selection page is displayed in the embodiment of this specification, the following may also be included:

[0154] Acquire the target terminal application selected by the second transaction party from the application selection page;

[0155] The step of displaying a payment page including transaction information of the first transaction party based on the payment link information may specifically include:

[0156] Using the target terminal application to access the payment link information;

[0157] A payment page including transaction information of the first transaction party is displayed in the target terminal application.

[0158] Similar to the display method of the payment page or transaction result page, if the mobile terminal is using the second application before acquiring the tag information in the NFC tag, the application selection page can be displayed in an overlay on the entire or partial area of ​​the application page of the second application. It can also be used to exit or close the control of the page, or preset operation, and after exiting or closing the page, the application page of the second application can continue to be displayed.

[0159] In actual applications, payment pages, transaction result pages, application selection pages, and other pages related to the payment process may be displayed above the application page of the second application in a semi-transparent or non-transparent manner.

[0160] In actual applications, the mobile terminal may have a near field communication function and may also have components such as a camera for scanning payment codes. In order to avoid disturbing the user and minimize resource consumption, if the user has already turned on the code scanning function, for example, has entered the code scanning function of a payment application and is ready to scan the payment code through the terminal for payment, the payment process based on the approaching communication method may not be started. Optionally, before the above-mentioned acquisition of the tag information of the NFC tag that responds to the electromagnetic signal in the embodiments of this specification, it may include:

[0161] Determining whether the mobile terminal has started a code scanning application for scanning a payment code image;

[0162] The acquiring of tag information of the NFC tag that responds to the electromagnetic signal may specifically include:

[0163] If not started, obtaining tag information of the NFC tag that responds to the electromagnetic signal.

[0164] In actual applications, if the mobile terminal has started a code scanning application for scanning the payment code image, for example, the user has clicked "Scan" or other controls for scanning codes in the payment application, the camera of the mobile terminal is in an activated state and may no longer read the information in the NFC tag or execute the process triggered by the information in the NFC tag.

[0165] It is understandable that the method of triggering the payment process through near-field communication in the embodiments of this specification needs to be based on user authorization. For example, if the user agrees to enable a payment method based on near-field communication, user information can be obtained and used for payment within the scope of user authorization.

[0166] To more clearly illustrate a payment method based on near field communication provided in the embodiments of this specification, Figure 3 This is a swim lane diagram of a payment method based on near field communication provided in the embodiments of this specification. Figure 3 As shown, the solution may include an NFC information transmission phase and a payment processing phase, and specifically, may include:

[0167] Step 302: The mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag. The mobile terminal can turn on the NFC function to send an electromagnetic signal to trigger an NFC electronic tag or chip within a preset distance to establish near field communication.

[0168] Step 304: When the mobile terminal approaches or is close to the NFC tag, near field communication can be established with the NFC tag, and the NFC tag can send tag information to the mobile terminal.

[0169] Step 306: The mobile terminal may obtain tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information. The tag information may include identification information of the first transaction party, such as a user ID, etc., and payment link information for triggering a payment process, through which a payment application in the mobile terminal may be started and a payment page may be displayed.

[0170] Step 308: Based on the payment link information, a payment page information acquisition request is generated and sent to the server. The payment link information may include link information for starting the payment application, and the mobile terminal may start the corresponding payment application, and then send a payment page information acquisition request to the server based on the payment application. The request may include identification information of the first transaction party, such as merchant identification information, and may also include the terminal identification of the mobile terminal or the application user identification of the user who logs in to the payment application in the mobile terminal, so that the server can determine the two parties to the transaction and generate payment page information.

[0171] Step 310: Based on the acquisition request sent by the mobile terminal, the server may generate payment page information and feed it back to the mobile terminal.

[0172] Step 312: The mobile terminal may display a payment page according to the acquired payment page information. The payment page may include an area for the user to fill in payment information such as payment amount and payment method.

[0173] Step 314: The user fills in the payment information on the payment page, and the mobile terminal can obtain the payment information provided by the user.

[0174] Step 316: The mobile terminal may generate a payment processing request based on the payment information provided by the user, and send it to the server, requesting the server to process the transaction.

[0175] Step 318: The server may obtain the payment processing request sent by the mobile terminal, and process the transaction based on the transaction information contained in or corresponding to the payment processing request, such as the information of the two transaction parties, the transaction amount, and other transaction information.

[0176] Step 320: The server may also generate transaction results and feed them back to the mobile terminal.

[0177] Step 322: The mobile terminal may display transaction result information according to the transaction result fed back by the server.

[0178] In the prior art, users can enter the payment page by scanning a code at a terminal. In the embodiments of this specification, the payment page can be invoked by NFC near-field communication, which can simplify user operations. Simply put, the NFC tag in the embodiments of this specification can contain information used for transactions carried in the payment code in the prior art, such as a merchant ID, a token that triggers the payment process, etc.

[0179] In the existing payment methods, the mobile terminal can also be used as the scanned object, for example, the payment code is presented in the mobile terminal and scanned by the payment device to complete the payment. In the existing method, the user needs to open the payment application, then find the payment code, and display the payment code. If the user is using other applications before payment, he also needs to exit the application first, and then find the payment application to pay, which requires a lot of user operation steps. In order to simplify the user operation steps and improve the user experience, another payment method based on near field communication is also provided in the embodiments of this specification.

[0180] Figure 4 FIG. 1 is a schematic diagram of an application scenario of a payment method based on near field communication in an embodiment of this specification. Figure 4As shown, the solution may include a mobile terminal 1 with a near field communication function, an NFC tag 2 carrying tag information, a payment device 3 associated with the NFC tag, and a server 4 for handling payment services. When the mobile terminal 1 is close to the NFC tag 2, when it reaches a certain distance, the NFC tag can be triggered to obtain the tag information contained in the NFC tag 2. The tag information may include information for triggering the payment process. The mobile terminal 1 can send a request to obtain transaction identification information to the server 4 based on the obtained tag information. The server 4 can feedback the transaction identification information representing the user payment account information in the mobile terminal to the mobile terminal 1. The mobile terminal 1 can send the transaction identification information to the payment device 3 via NFC communication. The server 4 can also send the transaction identification information to the payment device 3 via network transmission. After the payment device 3 obtains the transaction identification information, it can send a payment processing request to the server 4. The server 4 can process the payment business between the mobile terminal user and the user to whom the payment device belongs. Based on the above scenario diagram, Figure 5 The following is a flow chart of a payment method based on near field communication provided in an embodiment of the present specification. From the program perspective, the execution subject of the process can be a program or application client installed in an application server or terminal application.

[0181] like Figure 5 As shown, the process may include the following steps:

[0182] Step 502: A mobile terminal with a near field communication function sends an electromagnetic signal for triggering an NFC tag.

[0183] Similar to the principles of the above embodiments, the mobile terminal may include portable, wearable and other movable terminals, such as mobile phones, smart watches, etc. Near field communication, also known as short-range wireless communication, is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission and exchange of data between electronic devices. In the embodiments of this specification, the NFC tag can be a passive electronic tag or electronic chip, which can generate an induction signal with the mobile device and transmit data when a mobile device with near-field communication function is close. After turning on the near-field communication function, the mobile device can send an electromagnetic signal, which can activate an NFC tag within a preset distance to perform data transmission. The specific NFC communication process can refer to the existing NFC communication technology and will not be repeated here.

[0184] Step 504: Acquire tag information of the NFC tag that responds to the electromagnetic signal; the tag information is used to trigger the payment process.

[0185] The tag information may include information for triggering the payment process, such as information for starting the payment application, merchant information, etc. The mobile terminal may obtain the information in the NFC tag through short-range communication and trigger the payment process.

[0186] Step 506: Based on the tag information, obtain transaction identification information for representing the user payment account information in the mobile terminal.

[0187] The transaction identification information can be used to determine the user payment account in the mobile terminal. If the tag information contained in the NFC tag is a payment process for making a payment, the account can be a payment account. If the tag information contained in the NFC tag is a payment process for receiving a payment, the account can be a receiving account. There is no specific limitation here. In actual applications, users can use a terminal application with a payment function in a mobile terminal to make payments, and the user payment account can also be the user account logged in to the terminal application.

[0188] Step 508: Send the transaction identification information to a payment device associated with the NFC tag, and the payment device is used to execute a payment process according to the transaction identification information.

[0189] A payment device can be understood as a device that can send a transaction request to a server that processes transactions, and can be equipped with a program or terminal application for executing the payment process. In actual applications, a payment device can represent the device of the other party that conducts transactions with the user of a mobile terminal, and can specifically include a cash register, a self-service checkout device, and the like. The payment device can include an NFC tag, or the NFC tag can include a device identifier of the payment device, so that the payment device and the NFC tag have a corresponding relationship. In actual applications, the payment device can also send a payment processing request to the server that processes the payment request according to the payment process, so that the server completes the payment transaction between the two parties.

[0190] For payment scenarios using mobile devices, the mobile terminal can represent the payee's device, and the payment device can represent the payee's device. For payment scenarios using mobile devices, the mobile terminal can represent the payee's device, and the payment device can represent the payee's device.

[0191] It should be understood that the order of some steps in the methods described in one or more embodiments of this specification can be interchanged according to actual needs, or some steps can be omitted or deleted.

[0192] Figure 5In the method, the mobile terminal obtains the tag information used to trigger the payment process in the NFC tag through near field communication, obtains the transaction identification information and sends it to the payment device to make the payment. In this way, the user does not need to find the payment application and then perform the corresponding payment operation in the payment application. For example, in the scenario where the payment code needs to be presented and scanned by the payment device for payment, the user does not need to find the payment application and then select the payment code in the payment application for display. In the embodiment of this specification, the mobile terminal can send the transaction identification information used for payment to the payment device based on the information in the NFC tag, which can simplify the user operation and improve the user experience.

[0193] To ensure payment security, the mobile terminal may request the server to generate transaction identification information according to actual transaction requirements, and the transaction identification information may be different in different payment processes. Optionally, in the embodiments of this specification, based on the tag information, obtaining the transaction identification information used to represent the user payment account information in the mobile terminal may specifically include:

[0194] Sending a payment information acquisition request including the user identification information in the mobile terminal to a server;

[0195] The transaction identification information generated by the server based on the user identification information is obtained.

[0196] The user identification information may be a user ID, or may be a device identification of a mobile terminal, a user application identification of a user in a terminal application, or other identification information that can be used to determine the user's payment account. The server may determine the user's payment account based on the user identification information, and generate transaction identification information that corresponds to the user's payment account, so that the payment transaction may be processed using the user's payment account based on the transaction identification information. In actual applications, the transaction identification information may also be a string of payment code numbers, transaction order numbers, etc., and the server may process the transaction between the two parties based on the transaction identification information.

[0197] In the embodiment of this specification, the transaction identification is sent to the payment device through near field communication or through a network. As an implementation method, the sending of the transaction identification information to the payment device in the embodiment of this specification may specifically include:

[0198] The transaction identification information is sent to the payment device via near field communication.

[0199] The payment device may have an NFC function, for example, an NFC module, and may receive data sent via near field communication. The mobile terminal may send the transaction identification information to the payment device via near field communication.

[0200] The sending of the transaction identification information to the payment device by near field communication may specifically include:

[0201] Writing the transaction identification information into the NFC tag;

[0202] The transaction identification information is fed back to the payment device via the NFC tag in a near field communication manner.

[0203] Here, the channel mode of the NFC tag can be adopted to write the transaction identification information into the NFC tag, and then directly transmit it to the payment device. The transaction identification information may not be stored in the NFC tag.

[0204] As another implementation manner, the tag information in the embodiments of this specification may include a device identification of the payment device; and sending the transaction identification information to the payment device may specifically include:

[0205] Sending a payment request including the device identification to a server;

[0206] The server is used to generate the transaction identification information, and send the transaction identification information to the payment device according to the device identification.

[0207] In the embodiments of this specification, the server can generate transaction identification information and send the information to the payment device. In practical applications, short-range communication requires a small distance between the mobile terminal and the NFC tag, and data transmission takes a certain amount of time, which may be 1 second, 2 seconds, 3 seconds, etc. If the distance between the mobile terminal and the NFC tag is within a preset range for a short time, the transaction identification information may not be transmitted through short-range communication. In order to ensure that the transaction can proceed normally, the transaction identification information can also be sent to the payment device through the server.

[0208] In actual applications, the above two transmission methods can be executed simultaneously or simultaneously, and the payment device can obtain the transaction identification information in any way. Since the transaction identification information transmitted by the two transmission methods is the same and the transaction identification information can only be used once, the entire payment system can ensure idempotence, thereby ensuring the normal execution of the transaction. If the payment device does not have the ability to obtain information transmitted by near-field communication, the transaction identification information can also be sent to the payment device through the server.

[0209] Similar to the above embodiment, the tag information in this embodiment may include first link information for starting the payment application in the mobile terminal; the method in the embodiment of this specification may also include:

[0210] Based on the first link information, starting the payment application;

[0211] The acquiring of the transaction identification information for indicating the user payment account information in the mobile terminal may specifically include:

[0212] Based on the started payment application, the transaction identification information is obtained.

[0213] The tag information may include the identifier of a designated payment application, and the mobile terminal may start the designated payment application after acquiring the tag information, and make payment based on the payment application. The transaction identifier information may be the transaction identifier information that the payment application sends a request to the server and the server feeds back to the payment application.

[0214] In order to improve the user's sense of security for payment, in the embodiment of this specification, a prompt message may be generated to prompt the user that the mobile terminal has started the payment application and uses the payment application to make payment. Optionally, after starting the payment application in the embodiment of this specification, the following may also be included:

[0215] Displaying a prompt message indicating that the payment application has been started. The prompt message may include a vibration, sound, or prompt message in the form of text, image, etc., and may also include an opening page of the payment application, so that the user can perceive that the payment application has been started.

[0216] In actual applications, the prompt information can be displayed in the upper layer or partial area of ​​the page currently being displayed by the mobile terminal. The user can also perform a preset operation to close the prompt information, and the terminal can continue to display the currently displayed page.

[0217] In actual applications, the payment application can also be started in the background of the mobile terminal, and the user may not be aware of it, which can reduce disturbance to the user. For example, if the user is using other applications in the mobile terminal, the user's use of the application can be avoided from being interrupted, thus reducing disturbance to the user.

[0218] In the embodiment of this specification, a transaction result page may also be displayed so that the user can understand the payment status. Optionally, the method in the embodiment of this specification may also include:

[0219] Obtaining transaction result information fed back by the server;

[0220] Based on the transaction result information, a transaction result page is displayed.

[0221] The transaction result information may be the result information obtained by the server processing the payment processing request including the transaction identification information sent by the payment device, and may be information indicating a successful transaction or information indicating a failed transaction. The process of the server processing the payment processing request may be the same as the existing process, and will not be described in detail here.

[0222] Similar to the above embodiment, in actual applications, before making a payment, the user can use the mobile terminal to process other services, such as watching videos, playing games, reading e-books, reading news information, using instant messaging to communicate with other users, etc. In the embodiment of this specification, the user does not need to exit the current application being used before payment, and can also make a payment. Optionally, in the embodiment of this specification, when obtaining the tag information of the NFC tag, the mobile terminal is displaying the application page of the second application, and the display of the transaction result page may specifically include:

[0223] The transaction result page is displayed as an overlay on the application page of the second application.

[0224] In actual applications, the transaction result page may be displayed in a partial area or in the entire area of ​​the application page of the second application.

[0225] Optionally, the method in the embodiments of this specification may further include:

[0226] Obtaining an exit operation for the transaction result page;

[0227] Based on the exit operation, switch to the application page of the second application for display.

[0228] Similar to the transaction result page in the above embodiment, the transaction result page in this embodiment may include controls for indicating the exit page, such as a confirmation control and a close control. The user can exit the payment page by operating the controls, or by performing a preset operation on the page, such as sliding left, right, up, down, or other preset directions. After exiting the transaction result page in the embodiment of this specification, the application page displayed on the terminal before payment can continue to be displayed, which can further improve the user experience.

[0229] In actual applications, if the payment device has a code scanning function, it can scan the payment code presented in the mobile terminal, such as the payment code. In the embodiment of this specification, the mobile terminal can also display the payment code page based on short-range communication, which can also simplify the operation of the user opening the payment application first and then opening the payment code page. Optionally, the method in the embodiment of this specification can also include:

[0230] Based on the transaction identification information, generating a payment code image;

[0231] Displaying the payment code image;

[0232] The sending the transaction identification information to the payment device may specifically include:

[0233] The transaction identification information is sent to a payment device with a code scanning function through the payment code image.

[0234] In the embodiments of this specification, the payment device may include a POS machine, a barcode scanning box, a barcode scanning gun, and other devices with a barcode scanning function. In this embodiment, the payment identification information can be obtained according to the tag information in the NFC tag, and then a payment code image is generated based on the payment identification information. The payment device can scan the payment code image to make a payment. The payment identification information can be simply understood as the information used for payment contained in the existing payment code, such as the payment code number in the payment code. The payment code image generated in the example of this specification can be the same as or have the same function as the payment code image generated by the payment code control in the mobile terminal. The payment device can process the payment business according to the existing payment process by scanning the code image.

[0235] In the embodiments of this specification, the payment process executed by the payment device after obtaining the transaction identification information can be consistent with the existing payment process executed after obtaining the transaction identification information by scanning a code. The existing process can be used for business processing without building a new processing process, which can save resources and reduce the workload of developers.

[0236] To more clearly illustrate a payment method based on near field communication provided in the embodiments of this specification, Figure 6 This is a swim lane diagram of a payment method based on near field communication provided in the embodiments of this specification. Figure 6 As shown, the method may include an NFC information transmission phase and a payment processing phase, which may specifically include:

[0237] Step 602: The mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag. The mobile terminal can turn on the NFC function to send an electromagnetic signal to trigger an NFC electronic tag or chip within a preset distance to establish near field communication.

[0238] Step 604: When the mobile terminal approaches or is close to the NFC tag, near field communication can be established with the NFC tag, and the NFC tag can send tag information to the mobile terminal. The tag information may include information for triggering the payment process.

[0239] Here, the NFC tag is located in the payment device as an example for explanation. In actual applications, the NFC tag can also be deployed separately from the payment device, which is not specifically limited.

[0240] Step 606: The mobile terminal may obtain tag information of the NFC tag that responds to the electromagnetic signal. The tag information may include identification information of the first transaction party, such as user ID, merchant identification, merchant authorization information, etc., and may also include information for starting a payment application in the mobile terminal.

[0241] Step 608: The mobile terminal obtains transaction identification information representing the user payment account information in the mobile terminal based on the tag information.

[0242] The transaction identification information may be generated by the server based on the user information of the mobile terminal and fed back to the mobile terminal.

[0243] Step 610: Send the transaction identification information to the payment device. The transaction identification information can be sent to the payment device in one or both of the above two ways.

[0244] Step 612: The payment device may generate a transaction processing request based on the transaction identification information and send it to the server. The transaction processing request may include the payment device identification or the identification of the user of the payment device, the transaction amount, and the receiving account.

[0245] Step 614: The server obtains the transaction processing request sent by the payment device, and can also complete the transaction between the transaction parties corresponding to the request.

[0246] Step 616: The server may also generate a transaction result and feed it back to the mobile terminal, and may also feed it back to the payment device.

[0247] Step 618: The mobile terminal may display transaction result information based on the transaction result fed back by the server. The payment device may also display information indicating the transaction result.

[0248] In this embodiment, the tag information may also include a payment device identifier or an identifier of a merchant to which the payment device belongs, and the payment device may be verified based on the identifier to determine whether the payment device has transaction authority, and the transaction identifier information may be obtained only when the payment device has transaction authority. The specific verification process may be the same or similar to that in the above embodiment, and will not be described in detail here.

[0249] Based on the same idea, Figure 7 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification is shown in FIG. Figure 7 As shown, the scheme may include the following steps:

[0250] Step 702: The mobile terminal obtains tag information of the NFC tag associated with the payment device.

[0251] Among them, the mobile terminal may be a mobile terminal with a near field communication function, and the tag information may include information for triggering a payment process. In actual applications, the mobile terminal may be close to an NFC tag, such as a payment device with an NFC tag, to obtain the tag information of the NFC tag. The NFC tag may be associated with a payment device, for example, it may be located in the payment device, or the NFC tag may be deployed separately from the payment device. The payment device may represent a device with payment processing capabilities, for example, it may be a POS machine, a cabinet, a cash register system associated with a cash register system, a self-service payment device, etc., or it may be another mobile terminal with NFC functionality, such as a mobile phone, a smart watch, etc. The specific form of the payment device is not specifically limited here, and the payment device may also be represented as an NFC device, a device with an NFC tag or a device with NFC functionality.

[0252] In this specification, the mobile terminal can be used as a card reader. When the NFC switch is turned on, it will always send LPCD signals, or a mixture of LPCD and normal card search. When the mobile terminal is close to the NFC tag, such as touching or sticking the payment device, the tag coil in the NFC tag will affect the LPCD signal of the mobile terminal, the amplitude or phase. The mobile terminal can determine that there is a tag nearby based on this impact, and then it will initiate an inquiry and enter the interaction process, which can be command interaction and data interaction. For example, the mobile terminal can obtain information in the NFC tag. For specific NFC, please refer to the relevant technology, which will not be repeated here.

[0253] Step 704: Based on the tag information, start the payment application in the mobile terminal.

[0254] The tag information may include information for starting the payment application, and specifically may include an identifier representing the payment application, such as the package name of the payment application. The mobile terminal may start the payment application based on the identifier. In actual applications, the OS (Opening System) of the mobile terminal may call up the corresponding terminal application app according to the application package name, and may also provide at least part of the information in the acquired tag information, such as at least part of the URL, to the terminal application so that the terminal application executes the corresponding process. For example, the tag information may also include information for jumping to a page. After the mobile terminal starts the payment application, the payment application may obtain a URL for page jumping, and the payment application may make a corresponding page jump according to the URL. For another example, the tag information may also include a service identifier, such as a payment service. After the payment application is started in the mobile terminal, the payment application may execute a corresponding processing flow according to the service identifier, such as sending a payment request to the server, or triggering the payment processing flow of the server, or obtaining information fed back by the server, etc.

[0255] Step 706: Based on the activated payment application, a payment processing request is sent to the server.

[0256] The mobile terminal can send a payment request to the server based on the activated payment application, which can also be understood as the payment application in the mobile terminal sending the payment request to the server. The payment request may include the identification information of the payment account used for payment in the mobile terminal. If the tag information includes payment information such as the payment amount, the payment request may also include payment information such as the payment amount. If the tag information includes information such as the device identification of the payment device or the transaction party identification of the party to which the payment device belongs, the payment request may also include such information.

[0257] Step 708: The server processes the payment service based on the payment processing request and feeds back payment result information.

[0258] In actual applications, the server can process the payment service independently, or interact with other devices to complete the payment service during the processing. The specific processing process can be referred to the introduction in the above embodiment, which will not be repeated here.

[0259] Step 710: The mobile terminal may display a transaction result page based on the payment result information fed back by the server.

[0260] The transaction result page may also be referred to as the payment result page, which may be a page for displaying transaction result information or payment result information. It is understood that this embodiment and the above embodiment are solutions of the same technical concept, and some specific implementation methods of this embodiment may be the same as those in the above embodiment, which will not be repeated here.

[0261] In order to more clearly illustrate the present embodiment and the payment method provided in the above embodiments, some specific implementation methods are also provided in this specification.

[0262] In order to improve the user experience and let the user know that what is being used is a response executed by the mobile terminal, a prompt message may also be displayed in the mobile terminal before starting the payment application.

[0263] Optional, such as Figure 7 As shown, step 704 may specifically include:

[0264] Step 7042: Based on the tag information, display a payment prompt page;

[0265] Step 7044: Obtain the first preset operation of the user for the payment prompt page, and generate first confirmation information;

[0266] Step 7046: Based on the first confirmation information, start the payment application in the mobile terminal.

[0267] Among them, the tag information may include link information for displaying the payment prompt page, and the mobile terminal may display the payment prompt page by identifying the link information. The terminal browser may also be used to access the link information to display the payment prompt page. The payment prompt page may include prompt information for prompting the use of the payment application to make a payment. In actual applications, the operating system of the mobile terminal may display the payment prompt page based on the page identifier or code corresponding to the payment prompt page contained in the link information, or may send a request for obtaining the payment prompt page to the server of the mobile terminal, and the server may feedback the payment prompt page.

[0268] In the embodiments of the present specification, the tag information acquired by the mobile terminal may include information for starting a payment application, and may also include information for displaying a page, or information for requesting a payment service feedback page from a server.

[0269] As an implementation method, the tag information may include identification information for starting the payment application, such as the application package name, and may also include link information for displaying the page, such as URL information. After obtaining the application identification, the mobile terminal system can pull up or start the corresponding payment application in the mobile terminal, and then provide the link information for displaying the page to the payment application, and then the payment application can display the page based on the link information.

[0270] As another implementation, the tag information may include link information, such as a URL, and the link information may include identification information of the payment application, such as an application package name. The link information URL may also include information for displaying a page, such as information for displaying a payment prompt page included in the link information. The mobile terminal may pull up or start the payment application based on the link information and open the corresponding page to display the page. The above-mentioned displaying the payment prompt page based on the tag information may specifically include: displaying the payment prompt page based on the link information.

[0271] If the mobile terminal is an iOS system, the corresponding payment application can be launched based on the link information in the tag information, and a prompt page can be displayed to prompt the user to use the payment application to make a payment. If the mobile terminal is an Android system, the corresponding payment application can be started based on the application package name in the tag information, and then the link information for displaying the page contained in the tag information is sent to the payment application. The payment application can generate a display page locally based on the link information or based on the server. In actual applications, the specific format of the tag information can also be set according to the operating system used by the mobile terminal, so that the mobile terminal can accurately identify the tag information. For example, a universal tag information format can also be set so that different operating systems can accurately identify it.

[0272] The first preset operation can be a click operation, a sliding operation, or an operation of tilting, flipping, shaking the mobile terminal, etc.; the first preset operation can also be a non-substantial operation, for example, the payment prompt page includes a control for canceling payment. If the user does not operate the control within a preset time period, it can also indicate that the user agrees to use the payment application for payment, that is, after the preset time period, the mobile terminal can generate a first confirmation message. The operation method is not specifically limited here. The first confirmation message can indicate that the user agrees to use the payment application for payment. After the user agrees, the terminal can start the payment application.

[0273] Figure 8 This is a schematic diagram of a payment reminder page provided in an embodiment of this specification. Figure 8 As shown, the payment prompt page 800 may include prompt information 802 for prompting to use payment application a for payment. It may also include a confirmation control 804. If the user clicks the confirmation control 804, it may indicate that the user agrees to use payment application a for payment, and the terminal may start payment application a.

[0274] If payment application a is not installed in the mobile terminal or is installed but the user has not registered to use it, the user can click the confirmation control 802 to jump to the download page of the client for downloading payment application a or the page for registering to use payment application a, so that after the user registers payment application a, he can use payment application a to make payments.

[0275] Optionally, the payment prompt page may further include a download control 806 for downloading the client of payment application a. If the user clicks the download control 806, the mobile terminal may jump to display a download page for downloading the client of payment application a. In actual applications, the mobile terminal may also determine whether payment application a has been installed in the mobile terminal. If it has been installed, the payment prompt page may not display the download control 806.

[0276] The payment prompt page may also include prompt information for prompting the user to use NFC to pay. The payment prompt page may occupy the entire area of ​​the terminal display page, may be located in a partial area of ​​the terminal display page, such as the lower part, upper part, middle part, etc., or may be folded. Figure 8 This is just an illustration, and the specific form of the payment reminder page is not limited here.

[0277] In the above step 2, starting the payment application in the mobile terminal can specifically be that if the user clicks the confirmation control in the payment prompt page, the mobile terminal can start the payment application. It is understandable that in actual applications, the payment prompt page may not be displayed, for example, if the payment security requirements are met or the user has authorized the payment, the payment prompt page may not be displayed.

[0278] To improve the user experience, the mobile terminal in the payment method provided in the embodiments of this specification may also display a page for the user to confirm the payment information so that the user can clearly know the payment status. Figure 7 As described above, in the embodiment of this specification, before displaying the transaction result page, the following may also be included:

[0279] Step 712: Display a payment page containing payment information;

[0280] Step 714: Obtain second confirmation information generated based on the user's second preset operation on the payment page.

[0281] The payment information may be payment-related information, such as transaction amount information, transaction party information, transaction method or payment method, etc. The second preset operation may include substantial operations performed on the payment page, such as clicking or sliding controls on the page, flipping or tilting the mobile terminal, etc., or may include non-substantial operations performed on the payment page, such as not clicking a control on the payment page indicating payment cancellation within a preset time period, etc.

[0282] Payment information can be included in the NFC tag, such as the merchant setting the amount to be paid through the payment device, such as the cashier setting the amount in the POS machine or cash register, or the amount can be calculated by a preset amount calculation program, such as an automatic payment device or a vending device, which can determine the amount to be traded through a computer program, and the amount information can be set in the NFC tag. The tag information obtained by the mobile terminal can include the payment information; the payment information can also be set by the user of the mobile terminal. The tag information can include the page identifier of the payment page. After the payment application is started, the payment application can obtain the payment page from the server based on the page identifier or generate the payment page using the client program of the payment application already in the terminal.

[0283] Fig. 9 Schematic diagram of a payment page provided in the embodiments of this specification. Fig. 9 As described above, the payment page may include an area 902 for displaying payment information, which may specifically display payment amount information, and may also display payment method, transaction party, transaction time, and other information. The payment page may also include an operation control 906. If the user clicks on the control, it may indicate that the user agrees to make the payment, and the mobile terminal may generate a confirmation message. In actual applications, the operation control may be a control for confirming the payment, or a control for canceling the payment. If the user does not click on the control indicating cancellation of the payment within a preset time period, it may also indicate that the user agrees to make the payment, and the mobile terminal may also generate a confirmation message to facilitate subsequent processes. Fig. 9As described above, the payment page may also include description information 906 for the payment method based on near field communication, so as to help users understand the advantages or usage methods of the payment method based on near field communication.

[0284] Understandably, Fig. 9 This is just an example. In actual applications, the specific display content and style of the payment page can be set according to actual needs, and no specific limitation is made here. The payment page may not be displayed if the user authorizes or meets security requirements.

[0285] The second confirmation information may indicate that the user has confirmed the payment information and agreed to make the payment. As an implementation method, the second information may be used to trigger the sending of a payment processing request. The sending of the payment processing request to the server may specifically include: sending a payment processing request to the server based on the second confirmation information.

[0286] In an embodiment of the present specification, the server may generate transaction identification information including user payment account information in the mobile terminal based on a payment processing request, and may also send the transaction identification information to a payment device so that the payment device executes a payment process based on the transaction identification information to complete the payment.

[0287] As an implementation method, Figure 7 As shown, the above step 708 may specifically include:

[0288] Step 7082: The server generates transaction identification information including the user payment account information in the mobile terminal based on the payment processing request;

[0289] Step 7084: Send the transaction identification information to the payment device;

[0290] Step 7086: The payment device executes the payment process based on the acquired transaction identification information.

[0291] In actual applications, the server may also execute step 7088: generate payment result information based on the processing information generated by the payment execution process.

[0292] As another implementation, the server may also send the transaction identification information to the mobile terminal, which then sends it to the payment device; or the mobile terminal may also execute the payment process based on the transaction identification information, such as initiating a payment request to the server, without the payment device obtaining the transaction identification information. The specific process can be found in the above embodiments, which will not be described here.

[0293] The transaction identification information may be a string of characters, specifically a string that can be recognized by a server for processing payment services, a string that complies with the payment rules of a payment application, for example, a string beginning with 28, or a string beginning with 25, 30, etc. The length of the string may be 16 to 24 characters, or other lengths that meet the requirements, and the specific form of the string is not specifically limited here. The relevant content of the transaction identification information may also refer to the relevant description in the aforementioned embodiment.

[0294] The payment device can be a device associated with a server used to process payment services. The payment device can send a payment request containing transaction identification information to the server. The server can process the payment request. After the processing is completed, it can directly or indirectly send information indicating the completion of payment to the mobile terminal, and the payment result information can be displayed in the mobile terminal.

[0295] In this specification, the server may be a server corresponding to the payment application, or may include a cashier system with a cashier function, such as a system associated with cashier counters, cashier equipment, self-service payment equipment, etc. set up in supermarkets, shopping malls, etc. In actual applications, the cashier system can determine the user payment account used for the transaction based on the transaction identification information. If the cashier system is used for collecting money, the user payment account can represent the payment account. If the cashier system is used for payment, the user payment account can represent the collection account. The cashier system can also correspond to a transaction account. The cashier system can generate a transaction request based on the acquired user payment account and the transaction account corresponding to the cashier system and send it to the server. The server can process the transaction request, for example, it can deduct the corresponding resources from the user payment account and add them to the transaction account corresponding to the cashier system. After the processing is completed, the server can feedback the payment result information to the server. The specific transaction processing process can refer to the relevant technology. The cashier system can also process the transaction according to the existing processing process, which will not be described in detail here.

[0296] In actual applications, an NFC device server for managing payment devices may also be set up, and the transaction identification information may also be sent by the server to the NFC device server, and then sent by the NFC device server to the payment device. The NFC device server and the above server may also be the same server, which is not specifically limited here.

[0297] In the embodiments of this specification, the payment process can be executed based on the payment device. As an implementation method, after starting the payment application, the mobile terminal can send a payment processing request to the server based on the started payment application. The server can process the payment processing request, generate transaction identification information and send it to the payment device. The second confirmation information generated based on the payment page can also serve as a trigger signal for the payment device to execute the payment process based on the transaction identification information. Optionally, after starting the payment application in the mobile terminal as mentioned above, this specification can also include:

[0298] Display a payment page containing payment information;

[0299] Obtain second confirmation information generated based on a second preset operation of the user on the payment page, so that the server sends a payment process trigger instruction to the payment device after the second confirmation information, and the payment device can execute the payment process based on the payment process trigger instruction and the acquired transaction identification information.

[0300] Among them, after obtaining the second confirmation information, the mobile terminal can send corresponding information indicating the user's confirmation of payment to the server. The server can further send a payment process trigger instruction to the payment device. After obtaining the payment process trigger instruction, the payment device can execute the payment process based on the transaction identification information that has been obtained.

[0301] In the embodiment of this specification, after the payment processing request is initiated, the mobile terminal can send the payment processing request to the server, and the server can generate transaction identification information and send it to the payment device. While the terminal displays the payment page, the server can generate transaction identification information and send it to the payment device, so that the payment device can obtain the transaction identification information before the user performs the preset operation in the payment page. The payment device can temporarily store the transaction identification information. After the user performs the preset operation in the payment page, the payment device can execute the payment process based on the acquired transaction identification information, without waiting for the server to send the transaction identification information, thereby improving the payment efficiency.

[0302] Optionally, before displaying the payment page containing payment information in the embodiment of this specification, the following may also be included:

[0303] Based on the account information of the payment application in the mobile terminal, determining whether the user of the mobile terminal meets a preset payment condition; the preset payment condition indicates a condition that enables quick payment;

[0304] The displaying of the payment page including the payment information may specifically include:

[0305] If the user does not meet the preset payment conditions, a payment page containing payment information is displayed.

[0306] Among them, quick payment can refer to a payment method with fewer user operation steps, or a payment method that does not require the user to perform any operation. As described in the above embodiment, the mobile terminal can complete the payment through the NFC function and display the transaction result page. The entire payment process does not require the user to perform cumbersome operations.

[0307] If the user does not meet the preset payment conditions, that is, cannot make a quick payment, the payment page can be displayed to the user so that the user can confirm the payment information.

[0308] If the user meets the preset payment conditions, the transaction result page may be displayed. That is, the mobile terminal may not display the payment page before displaying the transaction result page.

[0309] In the embodiments of this specification, it is possible to determine whether a user meets the preset payment conditions based on user characteristics. Optionally, the preset payment conditions include at least one of being authorized to use the ultra-fast payment function, being a high-activity user of the payment application, and being authorized to use the password-free payment function.

[0310] Among them, the ultra-fast payment function can represent a confirmation-free payment function, such as not displaying the payment page and / or payment reminder page described above before the transaction result page, eliminating or reducing the user's related operations for payment confirmation, which is an extremely fast payment method. In actual applications, users can enable the ultra-fast payment function in the relevant settings page of the payment application. If the user has authorized the use of the ultra-fast payment function, it can be determined that the user meets the preset payment conditions. When the user makes a payment through NFC, the payment page may not be displayed, or the payment reminder page may not be displayed, and the transaction result page may be directly displayed.

[0311] Highly active users can refer to users whose activeness in using the payment application is greater than or equal to a preset threshold. In actual applications, the user's activity can be calculated based on factors such as the length of time and frequency of the user's login to the payment application. The user's activity can also be determined based on the frequency of the user using the payment application to scan the code for payment or input the payment code. For highly active users, a quick payment processing flow can be provided for the user, such as not displaying the payment page.

[0312] In actual applications, for highly active users, the ultra-fast payment function in the user's payment application can also be enabled by default, and the corresponding payment process can be provided to the user based on the status of the ultra-fast payment function.

[0313] The password-free payment function means that there is no need to enter a password to make a payment. Payment can be made using biometric features such as fingerprints, faces, voiceprints, irises, etc. as verification information.

[0314] As an implementation method, if the mobile terminal is an iOS system, the mobile terminal is close to the NFC tag and after obtaining the tag information, a payment prompt page can be displayed. The payment prompt page can be displayed in the form of a Clips card. If the payment prompt page contains a control for indicating confirmation to start the payment application, the user can operate the control, such as Figure 8 As shown, when the user clicks the "Open" control, it can indicate that the user agrees to use the payment application for payment, and the mobile terminal can start the payment application. The mobile terminal can send a payment processing request to the server based on the started payment application, the server can process the payment business and return the result information, and the mobile terminal can display the transaction result page. In actual applications, when the user operates the payment prompt page, the mobile terminal can collect the user's biometric information as payment verification information. If the user submits confirmation information based on the payment prompt page, it can also indicate that the user has confirmed the payment information, or the payment page may not be displayed. Of course, the payment page can also be displayed according to actual needs.

[0315] As an implementation method, if the mobile terminal is an Android system, the mobile terminal is close to the NFC tag, and after obtaining the tag information, if the payment application has been installed in the mobile terminal, the payment application can be started to display the payment page, and after the user confirms the information on the payment page, the transaction result page can be displayed. If the user has turned on the ultra-fast payment function, the payment page may not be displayed after the payment application is started, and the transaction result page may be displayed after the mobile terminal obtains the payment result information. From the user's perspective, after the user uses the mobile terminal to approach the NFC tag or payment device, the mobile terminal can start the payment application to display the payment page. In order to improve the user experience, the payment response page indicating that the payment is being made can also be displayed after the payment application is started, and then the transaction result page can be displayed. If the user has not started the ultra-fast payment function, the payment page can be displayed after the payment application is started, and then the transaction result page can be displayed. Similarly, the payment response page can also be displayed before or after the payment page is displayed, and then the transaction result page can be displayed.

[0316] To improve user experience, optionally, the method in the embodiment of this specification may further include:

[0317] Displays a prompt message to prompt the user to set up the express payment function.

[0318] Specifically, the prompt information can be information that prompts the user to turn on the ultra-fast payment function, or it can be information that prompts the user to turn off the ultra-fast payment function. The prompt information can be displayed after the payment application is started, and can be displayed on payment-related pages displayed in the payment process such as the payment page and the transaction result page, or it can be displayed independently. For example, after the payment application is started, before the payment page is displayed, a page including prompt information for prompting the user to set up the ultra-fast payment function can be displayed; for another example, after the payment page is displayed, a page including prompt information for prompting the user to set up the ultra-fast payment function can be displayed; for another example, after the transaction result page is displayed, a page including prompt information for prompting the user to set up the ultra-fast payment function can be displayed. This does not specifically limit the display method of the prompt information.

[0319] To avoid excessively disturbing the user, the method in the embodiment of this specification may further include:

[0320] Determine whether the number of times a prompt message for prompting a user to set up the express payment function has been displayed within a preset time period is less than or equal to a preset number of times;

[0321] If the number of times displayed is less than or equal to the preset number, a prompt message is displayed to prompt the user to set up the fast payment function.

[0322] The preset time period and the preset number of times can be set according to actual needs. For example, it can be displayed at least once and at most four times in a day; for another example, the first transaction in a day can be displayed, and then every 4 transactions can be displayed once. For another example, it can be displayed 8 times in a week, and so on.

[0323] Optionally, the method in the embodiments of this specification may further include:

[0324] Determine whether the user account of the payment application in the mobile terminal has enabled the express payment function;

[0325] The prompt information displayed for prompting the user to set up the quick payment function may specifically include:

[0326] If the ultra-fast payment function is not enabled in the user account, a first prompt message is displayed to prompt the user to enable the ultra-fast payment function.

[0327] In the embodiment of the present specification, if the user has not enabled the ultra-fast payment function, the mobile terminal may display a first prompt message prompting the user to enable the ultra-fast payment function.

[0328] Among them, if the user has turned on the ultra-fast payment function, the first prompt message prompting the user to turn on the ultra-fast payment function may not be displayed, which can reduce the disturbance to the user.

[0329] In order to further improve the user experience, optionally, before displaying the first prompt information for prompting the user to enable the fast payment function, the following may also be included:

[0330] Determining whether the user account is a highly active user account;

[0331] The display of the first prompt information for prompting the user to enable the ultra-fast payment function may specifically include:

[0332] If the user account is a highly active user account, a first prompt message is displayed to prompt the user to enable the ultra-fast payment function.

[0333] A highly active user account may represent a user account with high activity. In the embodiment of the present specification, a first prompt message for prompting the user to enable the ultra-fast payment function may be displayed for the highly active user account, so that the first prompt message may be provided to users who have actual demand for the function with a greater probability.

[0334] Optionally, the prompt information displayed above is used to prompt the user to set up the ultra-fast payment function, and may specifically include: if the ultra-fast payment function has been turned on in the user account, a second prompt information is displayed to prompt the user to turn off the ultra-fast payment function.

[0335] In the embodiment of the present specification, if the user has turned on the ultra-fast payment function, the mobile terminal may display a second prompt message for prompting the user to turn off the ultra-fast payment function.

[0336] Among them, if the user has not yet turned on the fast payment function, the second prompt information may not be displayed in the mobile terminal.

[0337] In actual applications, before displaying the second prompt information, it is also possible to determine whether the user account is a highly active user account. If the user account is not a highly active user account, the second prompt information can be displayed, and disturbing the user can also be avoided.

[0338] As an implementation mode, in the embodiments of this specification, a prompt message for prompting the user to set up the ultra-fast payment function may be displayed in the transaction result page or on the upper layer.

[0339] Fig.10 Schematic diagram of a transaction result page provided in the embodiment of this specification. Fig.10 As shown, the transaction result page may include payment result information 1002, such as payment success, payment failure, etc., and payment information 1004 such as payment amount, payment method, transaction party, and preferential information; and may also include a control 1006 for closing the transaction result page, such as a "complete" control. In actual applications, the specific content and format of the transaction result page can be set according to actual needs, and no specific limitation is made here.

[0340] Fig.11 A schematic diagram of displaying prompt information is provided in an embodiment of this specification. Fig.11 As shown, the prompt information 1102 for prompting the user to set the ultra-fast payment function can be displayed in the form of a pop-up window on the upper layer of the transaction result page. The specific content of the prompt information can be set according to actual needs. For example, the prompt information can also include path information for setting the ultra-fast payment function, etc.

[0341] like Fig.11 As shown, the page where the prompt information is located may also include an operation control 1104 for setting the ultra-fast payment function. The control may be used to turn on or off the ultra-fast payment function, or may jump to a setting page for setting the ultra-fast payment function. The page may also include a control for closing the page.

[0342] Fig.12 Schematic diagram of displaying prompt information provided in the embodiment of this specification. Fig.12 As shown, a prompt message 1202 for prompting the user to set the ultra-fast payment function is displayed in the transaction result page. The page may also include an operation control 1204 for setting the ultra-fast payment function. The prompt message may or may not overlap with the display area of ​​the operation control.

[0343] In actual applications, for a transaction request initiated, the prompt information is displayed in any form, such as in the form of displaying in the transaction result page or in the form of displaying in the upper layer of the payment page, or in the above two forms. Fig.11 The close control in the pop-up window shown can display the following Fig.12 The transaction result page with prompt information is shown. In actual applications, the prompt information and the specific control name, form, layout, etc. of the operation control can be set according to actual needs.

[0344] Fig.13 Schematic diagram of displaying prompt information provided in the embodiment of this specification. Fig.13 As shown, a prompt message 1302 for prompting the user to set the ultra-fast payment function is displayed in the transaction result page. The page may also include an operation control 1304 for setting the ultra-fast payment function.

[0345] In actual applications, different prompts can be displayed for different users. For example, for users who have not yet enabled the fast payment function, you can use Fig.11 The prompt information is displayed in the manner shown. For users who have enabled the fast payment function, Fig.13 The prompt information is displayed in the manner shown.

[0346] If the user performs an operation on the operation control in the page displaying the prompt information, the mobile terminal can also display a setting page for setting the ultra-fast payment function.

[0347] Fig.14 FIG. 1 is a schematic diagram of a setting page provided in an embodiment of this specification. Fig.14 As shown, the page may include relevant introduction information 1402 of the ultra-fast payment function, which may be information in the form of text, video, voice, etc. For example, it may include video demonstration information before and after the ultra-fast payment function is turned on, so that if the user has turned on the ultra-fast payment function, the control in the setting page can be used to turn off the function, and if the user has not turned on the function, the control in the setting page can be used to turn on the function. In actual applications, when the user completes the ultra-fast payment function, the terminal can also display the transaction result page.

[0348] Considering that the terminal or server also needs some time to execute the payment process, in order to improve user experience, optionally, before displaying the transaction result page, the embodiment of this specification may also include:

[0349] A payment response page is displayed; the payment response page includes prompt information indicating that payment is in progress.

[0350] Fig.15 Schematic diagram of a payment response page provided in the embodiments of this specification. Fig.15 As shown, the payment response page may include prompt information 1502 indicating that payment is in progress, and may also include information 1504 of the near field communication method used, such as the word NFC; it may also include relevant description information of the near field communication payment, such as Fig.15 The words "touch and pay" are shown.

[0351] It is to be understood that the various schematic diagrams provided in this specification are merely examples, and in actual applications, the display content and style of various pages can be set according to actual needs.

[0352] After the mobile terminal starts the payment application, it can display the payment response page. After the server completes the payment process, the mobile terminal can display the transaction result page.

[0353] As an implementation mode, after a user uses a mobile terminal with the ultra-fast payment function enabled to approach a payment device with an NFC tag, a payment response page may be displayed in the mobile terminal.

[0354] In the embodiments of this specification, the payment prompt page, payment page or transaction result page can be displayed when the mobile terminal is unlocked or unlocked. For example, when the mobile terminal is in a locked state, after obtaining the tag information of the NFC tag, the payment prompt page can be displayed. When the user operates the payment prompt page, the camera of the mobile terminal can collect the user's face, iris, fingerprint and other biometric images, unlock the mobile terminal, and the mobile terminal can display the transaction result page in the unlocked state. In actual applications, the user can also unlock the mobile terminal first, and then bring the mobile terminal close to the NFC tag to obtain the tag information. For example, when the distance between the mobile terminal and the NFC tag meets the conditions, such as when the mobile terminal is close to the NFC tag, the mobile terminal or the payment device associated with the NFC tag can issue a prompt information for prompting the user to unlock the mobile terminal, such as voice prompt information, text prompt information, animation prompt information, etc. In order to simplify user operations, the application can also be started in the background in the unlocked state, and the payment prompt page, payment page or transaction result page can be displayed. Based on the same idea, the embodiments of this specification also provide a payment method based on near field communication with a server as the execution subject, Fig.16 The following is a flow chart of a payment method based on near field communication provided in an embodiment of the present specification. From a program perspective, the execution subject of the process can be a program or application client installed on a server.

[0355] like Fig.16 As shown, the process may include the following steps:

[0356] Step 1602: the server obtains a payment processing request including payment information sent by a mobile terminal having a near field communication function; the payment information is provided by the second transaction party based on a payment page displaying user information including the first transaction party; the payment page is generated by the mobile terminal based on tag information in the obtained NFC tag; the tag information includes payment link information;

[0357] Step 1604: Based on the payment processing request, complete the payment service for the first transaction party and the second transaction party.

[0358] The server may be a server with payment processing capabilities, and may determine the transaction account or account number of the first transaction party based on the user information of the first transaction party, such as the merchant ID, the user ID, etc., and may also determine the transaction amount and the transaction account or account number of the second transaction party based on the transaction information provided by the second transaction party, and complete the transaction processing of the transaction amount. The server in this embodiment may be equivalent to the above-mentioned Figure 2 For the server in the described method, similar or identical parts can be found in the introduction of the above embodiment and will not be described again here.

[0359] Fig.17 The following is a flow chart of a payment method based on near field communication provided in an embodiment of the present specification. From a program perspective, the execution subject of the process can be a program or application client installed on a server.

[0360] like Fig.17 As shown, the process may include the following steps:

[0361] Step 1702: The server obtains a payment information acquisition request generated by a mobile terminal with a near field communication function based on tag information in the obtained NFC tag; the tag information is used to trigger a payment process;

[0362] Step 1704: Based on the payment information acquisition request, generate transaction identification information for representing the user payment account information in the mobile terminal;

[0363] Step 1706: Send the transaction identification information to a payment device associated with the NFC tag; the payment device is used to execute a payment process according to the transaction identification information.

[0364] The server can be equivalent to the above Figure 5 The server in the method described here, the specific introduction content here can refer to the introduction content of the above embodiment, and will not be repeated here. The server in this embodiment can also be used with the above Figure 2 or Fig.16 The server in the example is the same server and is not specifically limited here.

[0365] Fig.18 The following is a flow chart of a payment method based on near field communication provided in an embodiment of the present specification. From a program perspective, the execution subject of the process can be a program or application client installed on a server.

[0366] like Fig.18 As shown, the process may include the following steps:

[0367] Step 1802: the server obtains a payment processing request sent by the mobile terminal; the payment processing request is sent by a payment application started by the mobile terminal based on tag information in the NFC tag;

[0368] Step 1804: Process the payment service based on the payment request and generate payment result information;

[0369] Step 1806: Feedback the payment result information to the mobile terminal.

[0370] Optionally, the processing of the payment service based on the payment request may specifically include:

[0371] generating transaction identification information including user payment account information in the mobile terminal based on the payment processing request;

[0372] The transaction identification information is sent to a payment device so that the payment device performs a payment process based on the transaction identification information.

[0373] Optionally, the method may further include:

[0374] A payment process triggering instruction is sent to the payment device, so that the payment device can execute the payment process based on the payment process triggering instruction and the acquired transaction identification information.

[0375] The specific implementation process can refer to the contents of the above embodiments, which will not be elaborated here.

[0376] In the embodiments of this specification, information transmission between the payment device, the mobile terminal and the server can be transmitted through the network.

[0377] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig.19 The embodiments of this specification provide corresponding to Figure 2 A schematic diagram of the structure of a payment device based on near field communication. Fig.19 As shown, the device may include:

[0378] The trigger information sending module 1902 is used to send an electromagnetic signal for triggering the NFC tag;

[0379] The tag information acquisition module 1904 is used to acquire tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0380] A page display module 1906, configured to display a payment page including user information of the first transaction party based on the payment link information;

[0381] The payment information acquisition module 1908 is used to acquire the payment information provided by the second transaction party based on the payment page;

[0382] The request sending module 1910 is used to send a payment processing request containing the payment information to a server, and the server is used to complete the payment based on the payment processing request.

[0383] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig. 20 The embodiments of this specification provide corresponding to Figure 5 A schematic diagram of the structure of a payment device based on near field communication. Fig. 20 As shown, the device may include:

[0384] The trigger information sending module 2002 is used to send an electromagnetic signal for triggering the NFC tag;

[0385] The tag information acquisition module 2004 is used to acquire the tag information of the NFC tag that responds to the electromagnetic signal; the tag information is used to trigger the payment process;

[0386] A transaction identification acquisition module 2006, used to acquire transaction identification information representing user payment account information in the mobile terminal based on the tag information;

[0387] The transaction identification sending module 2008 is used to send the transaction identification information to the payment device associated with the NFC tag, and the payment device is used to execute the payment process according to the transaction identification information.

[0388] Fig.21 The embodiments of this specification provide corresponding to Figure 7 A schematic diagram of the structure of a payment device based on near field communication. Fig.21 As shown, the device may include:

[0389] The tag information acquisition module 2102 is used to acquire tag information of an NFC tag associated with a payment device;

[0390] An application startup module 2104, configured to start a payment application in the mobile terminal based on the tag information;

[0391] The request sending module 2106 is used to send a payment processing request to a server based on the payment application started; the server is used to process the payment service based on the payment processing request and feedback the payment result information;

[0392] The page display module 2108 is used to display the transaction result page based on the payment result information fed back by the server.

[0393] Fig. 22 The embodiments of this specification provide corresponding to Fig.16 A schematic diagram of the structure of a payment device based on near field communication. Fig. 22 As shown, the device may include:

[0394] The request acquisition module 2202 is used to acquire a payment processing request including payment information sent by a mobile terminal with a near field communication function; the payment information is provided by the second transaction party based on a payment page displaying user information including the first transaction party; the payment page is generated by the mobile terminal based on tag information in the acquired NFC tag; the tag information includes payment link information;

[0395] The request processing module 2204 is used to complete the payment service for the first transaction party and the second transaction party based on the payment processing request.

[0396] Fig.23 The embodiments of this specification provide corresponding to Fig.17 A schematic diagram of the structure of a payment device based on near field communication. Fig.23 As shown, the device may include:

[0397] The request acquisition module 2302 is used to acquire a payment information acquisition request generated by a mobile terminal with a near field communication function based on tag information in the acquired NFC tag; the tag information is used to trigger a payment process;

[0398] An information generation module 2304, configured to generate transaction identification information representing user payment account information in the mobile terminal based on the payment information acquisition request;

[0399] The sending module 2306 is used to send the transaction identification information to the payment device associated with the NFC tag; the payment device is used to execute the payment process according to the transaction identification information.

[0400] Fig.24 The embodiments of this specification provide corresponding to Fig.18 A schematic diagram of the structure of a payment device based on near field communication. Fig.24 As shown, the device may include:

[0401] The request acquisition module 2402 is used to acquire a payment processing request sent by a mobile terminal; the payment processing request is sent by a payment application started by the mobile terminal based on tag information in the NFC tag;

[0402] The payment processing module 2404 is used to process the payment service based on the payment request and generate payment result information;

[0403] The result sending module 2406 is used to feed back the payment result information to the mobile terminal.

[0404] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method.

[0405] Fig.25 This is a schematic diagram of a payment device based on near field communication provided in an embodiment of this specification. Fig.25 As shown, the device 2500 may include:

[0406] at least one processor 2510; and,

[0407] a memory 2530 communicatively coupled to the at least one processor;

[0408] The memory 2530 stores instructions 2520 that can be executed by the at least one processor 2510. The instructions are executed by the at least one processor 2510 to enable the at least one processor 2510 to execute at least one of the above-mentioned near field communication-based payment methods.

[0409] Based on the same idea, the embodiment of this specification also provides a computer-readable medium corresponding to the above method. The computer-readable medium stores computer-readable instructions, which can be executed by a processor to implement at least one of the above-mentioned payment methods based on near field communication.

[0410] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for devices and equipment, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments.

[0411] In the 1990s, it was very clear whether the improvement of a technology was hardware improvement (for example, improvement of the circuit structure of diodes, transistors, switches, etc.) or software improvement (improvement of the method flow). However, with the development of technology, many improvements of the method flow today can be regarded as direct improvements of the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be implemented with hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and make dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0412] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0413] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0414] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0415] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0416] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0417] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0418] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0419] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0420] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0421] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined in this article, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0422] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0423] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0424] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0425] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A payment method based on near field communication, comprising: A mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag; Acquiring tag information of an NFC tag that responds to the electromagnetic signal; Based on the tag information, starting a payment application in the mobile terminal; the tag information includes payment link information; Using the started payment application, based on the payment link information, to display a payment page containing the user information of the first transaction party, so that the second transaction party can fill in the amount information on the payment page; Acquire payment information provided by the second transaction party based on the payment page; the payment information includes amount information filled in by the second transaction party on the payment page; A payment processing request including the payment information is sent to a server, and the server is used to complete the payment based on the payment processing request.

2. The method according to claim 1, wherein the tag information includes instruction information for starting a payment application; The displaying of a payment page including the user information of the first transaction party based on the payment link information specifically includes: Based on the instruction information, starting the payment application in the mobile terminal; Based on the started payment application, the payment page is displayed.

3. The method according to claim 2, wherein the tag information includes request identification information for requesting to obtain payment page information; and displaying the payment page based on the payment application being started specifically comprises: The payment application in the startup state generates a payment page information acquisition request according to the request identification information; Sending the payment page acquisition request to the server; Obtain payment page information including user information of the first transaction party generated by the server based on the payment page acquisition request; Based on the payment page information, a payment page including the user information of the first transaction party is displayed.

4. The method according to claim 1, wherein the tag information includes user identification information of the first transaction party; the method further comprises: Based on the user identification information, determining whether the first transaction party has transaction authority, and obtaining a determination result; The displaying of the payment page including the user information of the first transaction party specifically includes: If the determination result indicates that the first transaction party has transaction authority, a payment page including user information of the first transaction party is displayed.

5. The method according to claim 1, wherein the NFC tag is located in a carrier that contains the payment code of the first transaction party, or is located in a carrier that does not contain the payment code of the first transaction party.

6. The method according to claim 1, if the mobile terminal is displaying an application page of a second application when acquiring the tag information of the NFC tag containing the payment link information, the displaying corresponds to the payment page of the first transaction party, specifically comprising: The payment page is displayed in an overlay on the application page of the second application.

7. The method according to claim 6, further comprising: Obtaining an exit operation of the second transaction party on the payment page; Based on the exit operation, switch to the application page of the second application for display.

8. The method according to claim 1, wherein the tag information includes first trigger information, and the first trigger information is used to trigger the mobile terminal to determine a terminal application with a payment function in the mobile terminal and generate an application selection page; the method further comprises: In response to the first trigger information, determining a terminal application having a payment function in the mobile terminal; Based on the terminal application with payment function, generating an application selection page; The application selection page is displayed.

9. The method according to claim 8, after displaying the application selection page, further comprising: Acquire the target terminal application selected by the second transaction party from the application selection page; The step of displaying a payment page including transaction information of the first transaction party based on the payment link information specifically includes: Using the target terminal application to access the payment link information; A payment page including transaction information of the first transaction party is displayed in the target terminal application.

10. The method according to claim 1, before acquiring the tag information of the NFC tag that responds to the electromagnetic signal, comprises: Determining whether the mobile terminal has started a code scanning application for scanning a payment code image; The acquiring tag information of the NFC tag that responds to the electromagnetic signal specifically includes: If not started, obtaining tag information of the NFC tag that responds to the electromagnetic signal.

11. The method according to claim 1, wherein the payment page includes at least one of a control for confirming payment information and an area for filling in or selecting a payment method.

12. The method according to claim 2, further comprising: Determining whether the payment application exists in the terminal; If it does not exist, a prompt message indicating that payment cannot be made will be generated.

13. The method according to claim 2, further comprising: Determining whether the payment application exists in the terminal; If it does not exist, a prompt message is generated to prompt the user to download and install the payment application.

14. The method according to claim 1, further comprising: The payment password input page is displayed.

15. The method according to claim 1, further comprising: Generate a page or prompt information indicating the transaction results.

16. A payment method based on near field communication, comprising: A mobile terminal with near field communication function sends an electromagnetic signal for triggering the NFC tag; Acquiring tag information of an NFC tag that responds to the electromagnetic signal; The tag information is used to trigger the payment process; Based on the tag information, starting a payment application in the mobile terminal; Sending transaction identification information representing the user payment account information in the mobile terminal to a payment device associated with the NFC tag, and the payment device executing the payment process according to the transaction identification information; wherein the payment device is equipped with a program or terminal application for executing the payment process.

17. The method according to claim 16, before sending the transaction identification information representing the user payment account information in the mobile terminal to the payment device associated with the NFC tag, further comprising: Sending a payment information acquisition request including the user identification information in the mobile terminal to a server; The transaction identification information generated by the server based on the user identification information is obtained.

18. The method according to claim 16, wherein sending the transaction identification information representing the user payment account information in the mobile terminal to the payment device associated with the NFC tag comprises: The transaction identification information is sent to the payment device via near field communication.

19. The method according to claim 18, wherein sending the transaction identification information to the payment device by near field communication comprises: Writing the transaction identification information into the NFC tag; The transaction identification information is fed back to the payment device via the NFC tag in a near field communication manner.

20. The method according to claim 16, wherein the tag information includes a device identification of the payment device; and the sending of the transaction identification information representing the user payment account information in the mobile terminal to the payment device associated with the NFC tag specifically comprises: Sending a payment request including the device identification to a server; The server is used to generate transaction identification information, and send the transaction identification information to the payment device according to the device identification.

21. The method according to claim 16, wherein the tag information includes first link information for starting a payment application in the mobile terminal; the method comprising: Based on the first link information, starting the payment application; Based on the started payment application, the transaction identification information is obtained.

22. The method according to claim 21, after starting the payment application, further comprising: A prompt message is displayed to indicate that the payment application has been started, wherein the prompt message specifically includes prompt message in at least one form of vibration, sound, text or image.

23. The method according to claim 16, further comprising: Get transaction result information fed back by the server; Based on the transaction result information, a transaction result page is displayed.

24. The method according to claim 23, if the mobile terminal is displaying an application page of a second application when acquiring the tag information of the NFC tag, the displaying of the transaction result page specifically comprises: The transaction result page is displayed as an overlay on the application page of the second application.

25. The method according to claim 24, further comprising: Obtaining an exit operation for the transaction result page; Based on the exit operation, switch to the application page of the second application for display.

26. The method according to claim 21, wherein the tag information includes an identification of the payment application; The starting the payment application based on the first link information specifically includes: Based on the identification of the payment application, the payment application is started.

27. The method according to claim 16, further comprising: Based on the transaction identification information, generating a payment code image; Displaying the payment code image; The sending of the transaction identification information for indicating the user payment account information in the mobile terminal to the payment device associated with the NFC tag specifically includes: The transaction identification information is sent to a payment device with a code scanning function through the payment code image.

28. A payment method based on near field communication, comprising: The mobile terminal with near field communication function obtains tag information of the NFC tag associated with the payment device; Based on the tag information, starting a payment application in the mobile terminal; Based on the payment application started, request the server to send transaction identification information representing the user payment account information in the mobile terminal to the payment device; the payment device sends a payment request to the server based on the transaction identification information; the server processes the payment service based on the payment request and feeds back payment result information; Based on the payment result information fed back by the server, a transaction result page is displayed.

29. The method according to claim 28, further comprising: Based on the tag information, displaying a payment prompt page; the payment prompt page includes prompt information for prompting the user to use the payment application to make payment; Obtaining a first preset operation of the user on the payment prompt page, and generating first confirmation information; The starting of the payment application in the mobile terminal specifically includes: Based on the first confirmation information, a payment application in the mobile terminal is started.

30. The method according to claim 28, before displaying the transaction result page, further comprising: Display a payment page containing payment information; Acquire second confirmation information generated based on a second preset operation of the user on the payment page; The sending of the payment processing request to the server specifically includes: Based on the second confirmation information, a payment processing request is sent to the server.

31. According to the method according to claim 28, the server is used to generate transaction identification information containing user payment account information in the mobile terminal based on the payment processing request, and send the transaction identification information to the payment device so that the payment device executes the payment process based on the transaction identification information.

32. The method according to claim 31, after starting the payment application in the mobile terminal, further comprising: Display a payment page containing payment information; Obtain second confirmation information generated based on a second preset operation of the user on the payment page, so that the server sends a payment process trigger instruction to the payment device after the second confirmation information, and the payment device can execute the payment process based on the payment process trigger instruction and the acquired transaction identification information.

33. The method according to claim 30 or 32, before displaying the payment page containing payment information, further comprising: Based on the account information of the payment application in the mobile terminal, determining whether the user of the mobile terminal meets the preset payment conditions; The preset payment conditions represent conditions that enable quick payment; The display of the payment page containing the payment information specifically includes: If the user does not meet the preset payment conditions, a payment page containing payment information is displayed.

34. The method according to claim 33, wherein displaying the transaction result page comprises: If the user meets the preset payment conditions, the transaction result page is displayed.

35. According to the method of claim 33, the preset payment conditions include at least one of being authorized to use the ultra-fast payment function, the user being a high-activity user of the payment application, and being authorized to use the password-free payment function.

36. According to the method of claim 30 or 32, the payment information includes at least one of transaction amount information, transaction party information, and transaction method information.

37. The method of claim 28, further comprising: Displays a prompt message to prompt the user to set up the express payment function.

38. The method of claim 37, further comprising: Determine whether the number of times a prompt message for prompting a user to set up the express payment function has been displayed within a preset time period is less than or equal to a preset number of times; The prompt information displayed to prompt the user to set up the quick payment function specifically includes: If the number of times displayed is less than or equal to the preset number, a prompt message is displayed to prompt the user to set up the fast payment function.

39. The method of claim 37, further comprising: Determine whether the user account of the payment application in the mobile terminal has enabled the express payment function; The prompt information displayed to prompt the user to set up the quick payment function specifically includes: If the ultra-fast payment function is not enabled in the user account, a first prompt message is displayed to prompt the user to enable the ultra-fast payment function.

40. The method according to claim 39, before displaying the first prompt information for prompting the user to enable the ultra-fast payment function, further comprising: Determining whether the user account is a highly active user account; The first prompt information displayed to prompt the user to enable the fast payment function specifically includes: If the user account is a highly active user account, a first prompt message is displayed to prompt the user to enable the ultra-fast payment function.

41. According to the method of claim 39, the displaying of prompt information for prompting the user to set up the ultra-fast payment function specifically includes: If the express payment function has been enabled in the user account, a second prompt message is displayed to prompt the user to disable the express payment function.

42. According to the method of claim 37, the displaying of prompt information for prompting the user to set up the ultra-fast payment function specifically comprises: A prompt message for prompting the user to set up the ultra-fast payment function is displayed in the transaction result page or on the upper layer.

43. According to the method of claim 37, the page where the prompt information is located also includes an operation control for setting a fast payment function.

44. The method of claim 43, further comprising: Based on the user's operation on the operation control, a setting page for setting the ultra-fast payment function is displayed.

45. The method according to claim 28, before displaying the transaction result page, further comprising: A payment response page is displayed; the payment response page includes prompt information indicating that payment is in progress.

46. ​​The method according to claim 28, wherein the tag information includes an application identifier of the payment application; and starting the payment application in the mobile terminal based on the tag information specifically comprises: Based on the application identifier, a payment application in the mobile terminal is started.

47. The method according to claim 29, wherein the tag information includes link information, and the link information includes information for displaying the payment prompt page; and displaying the payment prompt page based on the tag information specifically includes: Based on the link information, a payment prompt page is displayed.

48. The method according to claim 47, wherein the link information further includes an application identifier of the payment application.

49. A payment method based on near field communication, comprising: The server obtains a payment processing request including payment information sent by a mobile terminal having a near field communication function; The payment information is provided by the second transaction party based on a payment page displaying user information of the first transaction party; the payment page includes an area for the second transaction party to fill in the amount; the payment information includes the amount information filled in by the second transaction party on the payment page; the payment page is displayed by the mobile terminal based on the tag information in the acquired NFC tag when the payment application is started, and the started payment application is based on the payment link information contained in the tag information; Based on the payment processing request, the payment service for the first transaction party and the second transaction party is completed.

50. A payment method based on near field communication, comprising: The server obtains a payment information acquisition request sent by a mobile terminal with a near field communication function based on tag information in the obtained NFC tag; The tag information is used to trigger the payment process; Based on the payment information acquisition request, generating transaction identification information for representing the user payment account information in the mobile terminal; The transaction identification information is sent to a payment device associated with the NFC tag; the payment device is used to execute a payment process according to the transaction identification information; wherein the payment device is equipped with a program or terminal application for executing the payment process.

51. A payment method based on near field communication, comprising: The server obtains a payment processing request sent by a payment application started by the mobile terminal based on tag information in the obtained NFC tag; generating transaction identification information for representing user payment account information in the mobile terminal based on the payment processing request; The transaction identification information is sent to a payment device; the payment device sends a payment request based on the transaction identification information; Processing a payment service based on the payment request and generating payment result information; The payment result information is fed back to the mobile terminal.

52. The method of claim 51, further comprising: A payment process triggering instruction is sent to the payment device, so that the payment device can execute the payment process based on the payment process triggering instruction and the acquired transaction identification information.

53. A payment device based on near field communication, applied to a mobile terminal, comprising: A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag; A tag information acquisition module, used to acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information; An application startup module, used to start the payment application in the mobile terminal based on the tag information; the tag information includes payment link information; a page display module, configured to display a payment page including user information of the first transaction party based on the payment link information by using the activated payment application, so that the second transaction party can fill in amount information on the payment page; A payment information acquisition module, used to acquire payment information provided by the second transaction party based on the payment page; the payment information includes the amount information filled in by the second transaction party on the payment page; The request sending module is used to send a payment processing request containing the payment information to a server, and the server is used to complete the payment based on the payment processing request.

54. A payment device based on near field communication, applied to a mobile terminal, comprising: A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag; A tag information acquisition module, used to acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information is used to trigger a payment process; An application startup module, used to start a payment application in the mobile terminal based on the tag information; A transaction identification sending module is used to send transaction identification information representing the user payment account information in the mobile terminal to a payment device associated with the NFC tag, and the payment device executes the payment process according to the transaction identification information; wherein the payment device is equipped with a program or terminal application for executing the payment process.

55. A payment device based on near field communication, applied to a mobile terminal, comprising: A tag information acquisition module, used to acquire tag information of an NFC tag associated with a payment device; An application startup module, used to start a payment application in the mobile terminal based on the tag information; a request sending module, configured to request the server to send transaction identification information representing the user payment account information in the mobile terminal to the payment device based on the started payment application; the payment device sends a payment request to the server based on the transaction identification information; The server is used to process the payment service based on the payment request and feedback the payment result information; The page display module is used to display the transaction result page based on the payment result information fed back by the server.

56. A payment device based on near field communication, applied to a server, comprising: A request acquisition module, used to acquire a payment processing request containing payment information sent by a mobile terminal with a near field communication function; The payment information is provided by the second transaction party based on a payment page displaying user information of the first transaction party; the payment page includes an area for the second transaction party to fill in the amount; the payment information includes the amount information filled in by the second transaction party on the payment page; the payment page is displayed by the mobile terminal based on the tag information in the acquired NFC tag when the payment application is started, and the started payment application is based on the payment link information contained in the tag information; A request processing module is used to complete the payment service for the first transaction party and the second transaction party based on the payment processing request.

57. A payment device based on near field communication, applied to a server, comprising: A request acquisition module, used to acquire a payment information acquisition request sent by a mobile terminal with a near field communication function based on tag information in an acquired NFC tag; The tag information is used to trigger the payment process; An information generation module, used to generate transaction identification information representing the user payment account information in the mobile terminal based on the payment information acquisition request; The sending module is used to send the transaction identification information to a payment device associated with the NFC tag; the payment device is used to execute a payment process according to the transaction identification information.

58. A payment device based on near field communication, applied to a server, comprising: A request acquisition module, used to acquire a payment processing request sent by a payment application started by a mobile terminal based on tag information in an acquired NFC tag; An information generation module, configured to generate transaction identification information representing user payment account information in the mobile terminal based on the payment processing request; A sending module, configured to send the transaction identification information to a payment device; the payment device sends a payment request based on the transaction identification information; A payment processing module, used to process payment services based on the payment request and generate payment result information; The result sending module is used to feed back the payment result information to the mobile terminal.

59. A payment device based on near field communication, comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute a near-field communication-based payment method as described in any one of claims 1 to 15, any one of claims 16 to 27, any one of claims 28 to 48, or claim 49, or claim 50, or any one of claims 51 to 52.

60. A computer-readable medium having computer-readable instructions stored thereon, which can be executed by a processor to implement the near-field communication-based payment method described in any one of claims 1 to 15, any one of claims 16 to 27, any one of claims 28 to 48, claim 49, claim 50, or any one of claims 51 to 52.

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