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 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;

[0019] Based on the payment processing request, the payment service for the first transaction party and the second transaction party is completed.

[0020] A payment method based on near field communication provided in an embodiment of this specification includes:

[0021] 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;

[0022] Based on the payment information acquisition request, generating transaction identification information for representing the user payment account information in the mobile terminal;

[0023] 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.

[0024] The embodiment of this specification provides a payment device based on near field communication, including:

[0025] A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag;

[0026] 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;

[0027] A page display module, configured to display a payment page including user information of the first transaction party based on the payment link information;

[0028] A payment information acquisition module, used to acquire payment information provided by the second transaction party based on the payment page;

[0029] 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.

[0030] The embodiment of this specification provides a payment device based on near field communication, including:

[0031] A trigger information sending module, used for sending an electromagnetic signal for triggering an NFC tag;

[0032] 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;

[0033] 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;

[0034] 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.

[0035] The embodiment of this specification provides a payment device based on near field communication, including:

[0036] 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;

[0037] 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.

[0038] The embodiment of this specification provides a payment device based on near field communication, including:

[0039] 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;

[0040] 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;

[0041] 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.

[0042] A payment device based on near field communication provided in an embodiment of this specification includes:

[0043] at least one processor; and,

[0044] a memory communicatively connected to the at least one processor; wherein,

[0045] 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:

[0046] Send out electromagnetic signals for triggering NFC tags;

[0047] Acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0048] Based on the payment link information, displaying a payment page including user information of the first transaction party;

[0049] Obtaining payment information provided by the second transaction party based on the payment page;

[0050] 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.

[0051] A payment device based on near field communication provided in an embodiment of this specification includes:

[0052] at least one processor; and,

[0053] a memory communicatively connected to the at least one processor; wherein,

[0054] 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:

[0055] Send out electromagnetic signals for triggering NFC tags;

[0056] Acquiring tag information of an NFC tag that responds to the electromagnetic signal; the tag information is used to trigger a payment process;

[0057] Based on the tag information, acquiring transaction identification information for representing the user payment account information in the mobile terminal;

[0058] 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.

[0059] A payment device based on near field communication provided in an embodiment of this specification includes:

[0060] at least one processor; and,

[0061] a memory communicatively connected to the at least one processor; wherein,

[0062] 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:

[0063] Obtaining a payment processing request containing 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 containing 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 contains payment link information;

[0064] Based on the payment processing request, the payment service for the first transaction party and the second transaction party is completed.

[0065] A payment device based on near field communication provided in an embodiment of this specification includes:

[0066] at least one processor; and,

[0067] a memory communicatively connected to the at least one processor; wherein,

[0068] 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:

[0069] Obtaining 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;

[0070] Based on the payment information acquisition request, generating transaction identification information for representing the user payment account information in the mobile terminal;

[0071] 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.

[0072] 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.

[0073] An embodiment of this specification can achieve the following beneficial effects:

[0074] 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.

[0075] In another embodiment, 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. BRIEF DESCRIPTION OF THE DRAWINGS

[0076] 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.

[0077] 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;

[0078] Figure 2 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0079] Figure 3 A swim lane diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0080] 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;

[0081] Figure 5 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0082] Figure 6 A swim lane diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0083] Figure 7 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0084] Figure 8 A schematic diagram of a payment method based on near field communication provided in an embodiment of this specification;

[0085] Fig. 9 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;

[0086] Fig.10 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;

[0087] Fig.11 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;

[0088] Fig.12 The embodiments of this specification provide corresponding to Figure 8 A schematic diagram of the structure of a payment device based on near field communication;

[0089] Fig.13 A schematic diagram of the structure of a payment device based on near field communication provided in an embodiment of this specification. DETAILED DESCRIPTION

[0090] 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.

[0091] The technical solutions provided by the embodiments of this specification are described in detail below in conjunction with the accompanying drawings.

[0092] 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.

[0093] In order to solve the defects in the prior art, this solution provides the following embodiments:

[0094] 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 1 As 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.

[0095] 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:

[0096] 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.

[0097] like Figure 2 As shown, the process may include the following steps:

[0098] Step 202: A mobile terminal with a near field communication function sends an electromagnetic signal for triggering an NFC tag.

[0099] 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.

[0100] Step 204: Acquire tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information.

[0101] 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.

[0102] Step 206: Based on the payment link information, a payment page including user information of the first transaction party is displayed.

[0103] 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.

[0104] Step 208: Obtain payment information provided by the second transaction party based on the payment page.

[0105] 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.

[0106] 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.

[0107] 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.

[0108] 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.

[0109] Figure 2 In 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.

[0110] 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.

[0111] 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.

[0112] 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.

[0113] based on Figure 2 The method, the examples of this specification also provide some specific implementation plans of the method, which are described below.

[0114] 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 first link instruction information for starting the payment application; the payment page containing the user information of the first transaction party based on the payment link information may include:

[0115] Based on the first link information instruction information, start the payment application in the mobile terminal;

[0116] Based on the started payment application, the payment page corresponding to the first transaction party is displayed.

[0117] 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.

[0118] 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.

[0119] 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:

[0120] The payment application in the startup state generates a payment page information acquisition request according to the request identification information;

[0121] Sending the payment page acquisition request to the server;

[0122] Obtain payment page information including user information of the first transaction party generated by the server based on the payment page acquisition request;

[0123] Based on the payment page information, a payment page including the user information of the first transaction party is displayed.

[0124] 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.

[0125] 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.

[0126] 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:

[0127] Based on the user identification information, determining whether the first transaction party has transaction authority, and obtaining a determination result;

[0128] The displaying of the payment page including the user information of the first transaction party may specifically include:

[0129] 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.

[0130] 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.

[0131] 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.

[0132] 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.

[0133] 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:

[0134] The payment page is displayed in an overlay on the application page of the second application.

[0135] 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.

[0136] Optionally, the method in the embodiments of this specification may further include:

[0137] Obtaining an exit operation of the second transaction party on the payment page;

[0138] Based on the exit operation, switch to the application page of the second application for display.

[0139] 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.

[0140] 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.

[0141] 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.

[0142] 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:

[0143] In response to the first trigger information, determining a terminal application having a payment function in the mobile terminal;

[0144] Based on the terminal application with payment function, generating an application selection page;

[0145] The application selection page is displayed.

[0146] 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.

[0147] Optionally, after the application selection page is displayed in the embodiment of this specification, the following may also be included:

[0148] Acquire the target terminal application selected by the second transaction party from the application selection page;

[0149] The step of displaying a payment page including transaction information of the first transaction party based on the payment link information may specifically include:

[0150] Using the target terminal application to access the payment link information;

[0151] A payment page including transaction information of the first transaction party is displayed in the target terminal application.

[0152] 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.

[0153] 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.

[0154] 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 process of payment based on near field communication 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:

[0155] Determining whether the mobile terminal has started a code scanning application for scanning a payment code image;

[0156] The acquiring of tag information of the NFC tag that responds to the electromagnetic signal may specifically include:

[0157] If not started, obtaining tag information of the NFC tag that responds to the electromagnetic signal.

[0158] 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.

[0159] 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.

[0160] 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:

[0161] 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.

[0162] 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.

[0163] 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.

[0164] 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.

[0165] 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.

[0166] 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.

[0167] 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.

[0168] 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.

[0169] 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.

[0170] Step 320: The server may also generate transaction results and feed them back to the mobile terminal.

[0171] Step 323: The mobile terminal may display transaction result information according to the transaction result fed back by the server.

[0172] 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.

[0173] 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.

[0174] 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 4 As 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.

[0175] like Figure 5 As shown, the process may include the following steps:

[0176] Step 502: A mobile terminal with a near field communication function sends an electromagnetic signal for triggering an NFC tag.

[0177] 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.

[0178] 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.

[0179] 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.

[0180] Step 506: Based on the tag information, obtain transaction identification information for representing the user payment account information in the mobile terminal.

[0181] 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.

[0182] 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.

[0183] 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.

[0184] 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.

[0185] 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.

[0186] Figure 5 In 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.

[0187] 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:

[0188] Sending a payment information acquisition request including the user identification information in the mobile terminal to a server;

[0189] The transaction identification information generated by the server based on the user identification information is obtained.

[0190] 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.

[0191] In the embodiment of this specification, the transaction identification is sent to the payment device through near field communication or through the 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:

[0192] The transaction identification information is sent to the payment device via near field communication.

[0193] 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.

[0194] The sending of the transaction identification information to the payment device by near field communication may specifically include:

[0195] Writing the transaction identification information into the NFC tag;

[0196] The transaction identification information is fed back to the payment device via the NFC tag in a near field communication manner.

[0197] 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.

[0198] 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:

[0199] Sending a payment request including the device identification to a server;

[0200] 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.

[0201] 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.

[0202] 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.

[0203] 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:

[0204] Based on the first link information, starting the payment application;

[0205] The acquiring of the transaction identification information for representing the user payment account information in the mobile terminal may specifically include:

[0206] Based on the started payment application, the transaction identification information is obtained.

[0207] 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.

[0208] 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:

[0209] 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.

[0210] 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.

[0211] 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.

[0212] In the embodiment of this specification, a payment 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:

[0213] Obtaining transaction result information fed back by the server;

[0214] Based on the transaction result information, a transaction result page is displayed.

[0215] 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.

[0216] 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:

[0217] The transaction result page is displayed as an overlay on the application page of the second application.

[0218] 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.

[0219] Optionally, the method in the embodiments of this specification may further include:

[0220] Obtaining an exit operation for the transaction result page;

[0221] Based on the exit operation, switch to the application page of the second application for display.

[0222] 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.

[0223] 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:

[0224] Based on the transaction identification information, generating a payment code image;

[0225] Displaying the payment code image;

[0226] The sending the transaction identification information to the payment device may specifically include:

[0227] The transaction identification information is sent to a payment device with a code scanning function through the payment code image.

[0228] 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.

[0229] 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.

[0230] To more clearly illustrate a payment method based on near field communication provided in the embodiments of this specification, Figure 6This 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:

[0231] 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.

[0232] 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.

[0233] 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.

[0234] 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.

[0235] Step 608: The mobile terminal obtains transaction identification information representing the user payment account information in the mobile terminal based on the tag information.

[0236] 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.

[0237] 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.

[0238] 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.

[0239] 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.

[0240] 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.

[0241] 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.

[0242] 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.

[0243] 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. Figure 2 The embodiment shown, Figure 7 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.

[0244] like Figure 7 As shown, the process may include the following steps:

[0245] Step 702: 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;

[0246] Step 704: Based on the payment processing request, complete the payment service for the first transaction party and the second transaction party.

[0247] 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.

[0248] Figure 8 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.

[0249] like Figure 8As shown, the process may include the following steps:

[0250] Step 802: 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;

[0251] Step 804: Based on the payment information acquisition request, generate transaction identification information for representing the user payment account information in the mobile terminal;

[0252] Step 806: 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.

[0253] 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 Figure 7 The server in the example is the same server and is not specifically limited here.

[0254] In the embodiments of this specification, information transmission between the payment device, the mobile terminal and the server can be transmitted through the network.

[0255] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig. 9 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. 9 As shown, the device may include:

[0256] A trigger information sending module 902, used to send an electromagnetic signal for triggering an NFC tag;

[0257] The tag information acquisition module 904 is used to acquire tag information of the NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0258] A page display module 906, configured to display a payment page including user information of the first transaction party based on the payment link information;

[0259] A payment information acquisition module 908, used to acquire payment information provided by the second transaction party based on the payment page;

[0260] The request sending module 910 is used to send 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.

[0261] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig.10 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.10 As shown, the device may include:

[0262] The trigger information sending module 1002 is used to send an electromagnetic signal for triggering the NFC tag;

[0263] The tag information acquisition module 1004 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;

[0264] A transaction identification acquisition module 1006, configured to acquire transaction identification information representing user payment account information in the mobile terminal based on the tag information;

[0265] The transaction identification sending module 1008 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.

[0266] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig.11 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.11 As shown, the device may include:

[0267] The request acquisition module 1102 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;

[0268] The request processing module 1104 is used to complete the payment service for the first transaction party and the second transaction party based on the payment processing request.

[0269] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Fig.12 The embodiments of this specification provide corresponding to Figure 8 A schematic diagram of the structure of a payment device based on near field communication. Fig.12 As shown, the device may include:

[0270] The request acquisition module 1202 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;

[0271] An information generating module 1204, configured to generate transaction identification information representing user payment account information in the mobile terminal based on the payment information obtaining request;

[0272] The sending module 1206 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.

[0273] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method.

[0274] Fig.13 This is a schematic diagram of a payment device based on near field communication provided in an embodiment of this specification. Fig.10 As shown, the device 1300 may include:

[0275] at least one processor 1310; and,

[0276] A memory 1330 communicatively connected to the at least one processor;

[0277] Among them, corresponding to Figure 2 The payment method based on near field communication shown in the embodiment of the present invention, the memory 1330 stores instructions 1320 that can be executed by the at least one processor 1310, and the instructions are executed by the at least one processor 1310 to enable the at least one processor 1310 to:

[0278] Send out electromagnetic signals for triggering NFC tags;

[0279] Acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information;

[0280] Based on the payment link information, displaying a payment page including user information of the first transaction party;

[0281] Obtaining payment information provided by the second transaction party based on the payment page;

[0282] 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.

[0283] Among them, corresponding to Figure 5The payment method based on near field communication shown in the embodiment of the present invention, the memory 1330 stores instructions 1320 that can be executed by the at least one processor 1310, and the instructions are executed by the at least one processor 1310 to enable the at least one processor 1310 to:

[0284] Send out electromagnetic signals for triggering NFC tags;

[0285] Acquiring tag information of an NFC tag that responds to the electromagnetic signal; the tag information is used to trigger a payment process;

[0286] Based on the tag information, acquiring transaction identification information for representing the user payment account information in the mobile terminal;

[0287] 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.

[0288] Among them, corresponding to Figure 7 The payment method based on near field communication shown in the embodiment of the present invention, the memory 1330 stores instructions 1320 that can be executed by the at least one processor 1310, and the instructions are executed by the at least one processor 1310 to enable the at least one processor 1310 to:

[0289] Obtaining a payment processing request containing 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 containing 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 contains payment link information;

[0290] Based on the payment processing request, the payment service for the first transaction party and the second transaction party is completed.

[0291] Among them, corresponding to Figure 8 The payment method based on near field communication shown in the embodiment of the present invention, the memory 1330 stores instructions 1320 that can be executed by the at least one processor 1310, and the instructions are executed by the at least one processor 1310 to enable the at least one processor 1310 to:

[0292] Obtaining 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;

[0293] Based on the payment information acquisition request, generating transaction identification information for representing the user payment account information in the mobile terminal;

[0294] 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.

[0295] 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 the above payment method based on near field communication.

[0296] Each embodiment in this specification is described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. Fig.13 As for the device shown, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0297] 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.

[0298] 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.

[0299] 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.

[0300] 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.

[0301] 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.

[0302] 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.

[0303] 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 including 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.

[0304] 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.

[0305] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0306] 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.

[0307] 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.

[0308] 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.

[0309] 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.

[0310] 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.

[0311] 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; Acquire tag information of an NFC tag that responds to the electromagnetic signal; the tag information includes payment link information; Based on the tag information, starting the payment application in the mobile terminal; wherein the tag information includes an application identifier of the payment application, and based on the application identifier, starting the payment application; Based on the started payment application, a payment page is displayed; the payment page includes an area for filling in or selecting a payment amount; and the payment page is displayed based on the payment link information.

2. The method according to claim 1, further comprising: Obtain payment information; 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.

3. According to the method of claim 2, the obtaining of payment information specifically comprises: Obtain payment information provided by the second transaction party based on the payment page.

4. According to the method according to claim 1, the payment page includes at least one of the information of the first transaction party, a control for confirming payment information, an area for filling in or selecting a payment amount, and an area for filling in or selecting a payment method.

5. The method according to claim 1, wherein the tag information includes an application identifier of a payment application to be started; and starting the payment application in the mobile terminal based on the tag information specifically comprises: The payment application in the mobile terminal is started according to the application identifier.

6. The method according to claim 1, 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.

7. The method according to claim 1, 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.

8. The method according to claim 1, 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.

9. 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 display of the payment page specifically includes: If the judgment result indicates that the first transaction party has transaction authority, a payment page is displayed.

10. The method according to claim 1, wherein the NFC tag is located in a carrier containing a payment code of the first transaction party, or is located in a carrier not containing the payment code of the first transaction party.

11. The method according to claim 1, if the mobile terminal is displaying an application page of a second application when acquiring the tag information, displaying the payment page specifically comprises: The payment page is displayed in an overlay on the application page of the second application.

12. The method according to claim 11, further comprising: Obtaining an exit operation on the payment page; Based on the exit operation, switch to the application page of the second application for display.

13. 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.

14. The method according to claim 13, after displaying the application selection page, further comprising: Obtaining a target terminal application selected by the second transaction party from the application selection page; The displaying of the payment page based on the payment link information specifically includes: Using the target terminal application to access the payment link information; Displaying a payment page in the target terminal application.

15. The method according to claim 1, before acquiring 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.

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

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

18. A payment method based on near field communication, comprising: A mobile terminal with a near field communication function sends an electromagnetic signal for triggering an NFC tag; the NFC tag is located in a payment device or is associated with the payment device; Acquiring tag information of an NFC tag that responds to the electromagnetic signal; Based on the tag information, starting a payment application; The payment device obtains transaction identification information representing the user payment account information in the mobile terminal, and sends a payment processing request to the server based on the transaction identification information; the server processes the payment service based on the payment processing request and feeds back transaction result information; The mobile device obtains the transaction result information based on the launched payment application.

19. The method according to claim 18, further comprising: The transaction identification information representing the user payment account information in the mobile terminal 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.

20. The method according to claim 19, 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.

21. The method according to claim 19, 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.

22. The method according to claim 19, 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.

23. The method according to claim 22, 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.

24. The method according to claim 18, 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.

25. The method according to claim 18, if the mobile terminal is displaying an application page of a second application when acquiring the tag information, displaying the transaction result page specifically comprises: The transaction result page is displayed as an overlay on the application page of the second application.

26. The method according to claim 25, 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.

27. The method according to claim 18, wherein the tag information includes an identification of the payment application; The starting the payment application based on the tag information specifically includes: Based on the identification of the payment application, the payment application is started.

28. The method of claim 19, 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.

29. The method according to claim 18, further comprising: Based on the transaction result information fed back by the server, a transaction result page is displayed.

30. 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 based on the payment page provided; The payment page is generated by the mobile terminal based on the tag information in the acquired NFC tag; the tag information includes payment link information; the mobile terminal displays the payment page based on the payment link information; the payment page includes an area for filling in or selecting a payment amount; wherein the tag information includes an application identifier of a payment application, the mobile terminal starts the payment application based on the application identifier; and the payment page is displayed based on the started payment application; Based on the payment processing request, the payment service is completed.

31. A payment method based on near field communication, comprising: The server obtains the payment processing request; The payment processing request is generated by the payment device based on the transaction identification information representing the user payment account information in the mobile terminal; the payment device includes an NFC tag or is associated with the NFC tag; the mobile terminal with near field communication function obtains the tag information in the NFC tag to start the payment application; Process the payment service based on the payment processing request and feedback the transaction result information; The payment device obtains the transaction result information based on the started payment application.

32. The method of claim 31 further comprising: generating transaction identification information for representing 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.

33. A payment device based on near field communication, 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; wherein the tag information includes an application identifier of the payment application, and the payment application is started based on the application identifier; The page display module is used to display a payment page based on the payment application that is started; the payment page includes an area for filling in or selecting a payment amount; and the payment page is displayed based on the payment link information.

34. A payment device based on near field communication, comprising: A trigger information sending module, used to send an electromagnetic signal for triggering an NFC tag; the NFC tag is located in the payment device or is associated with the payment device; A tag information acquisition module, used to acquire tag information of an NFC tag that responds to the electromagnetic signal; An application startup module, used to start a payment application based on the tag information; A request sending module is used to send a payment processing request to a server based on the payment application that is started; the server processes the payment service based on the payment processing request and feeds back transaction result information; wherein the payment device obtains transaction identification information representing the user payment account information in the mobile terminal, and executes the payment process based on the transaction identification information.

35. A payment device based on near field communication, 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 based on the payment page; the payment page is generated by the mobile terminal based on the tag information in the acquired NFC tag; the tag information includes payment link information; the mobile terminal displays the payment page based on the payment link information; the payment page includes an area for filling in or selecting a payment amount; wherein the tag information includes an application identifier of a payment application, the mobile terminal starts the payment application based on the application identifier; and the payment page is displayed based on the started payment application; The request processing module is used to complete the payment service based on the payment processing request.

36. A payment device based on near field communication, comprising: A request acquisition module, used to acquire a payment processing request generated by a payment application initiated by a mobile terminal with a near field communication function based on tag information in an acquired NFC tag; wherein the NFC tag is located in a payment device or is associated with the payment device; the payment device acquires transaction identification information representing user payment account information in the mobile terminal, and executes a payment process based on the transaction identification information; The business processing module is used to process the payment business based on the payment processing request and feedback the transaction result information.

37. 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, and the instructions are executed by the at least one processor to enable the at least one processor to execute the near-field communication-based payment method of any one of claims 1 to 17, any one of claims 18 to 29, or claim 30, or any one of claims 31 to 32.

38. A computer-readable medium having computer-readable instructions stored thereon, wherein the computer-readable instructions can be executed by a processor to implement the near-field communication-based payment method of any one of claims 1 to 17, any one of claims 18 to 29, claim 30, or any one of claims 31 to 32.

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