NFC student business processing method, device and equipment

Abstract

The embodiment of this specification discloses an NFC student business processing scheme, which is applied to merchant NFC machines. It includes: receiving a student business trigger instruction sent by a merchant cash register device, and responding to the student business trigger instruction to enter a student identity authentication state; in the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, then through NFC communication with the user mobile terminal, the merchant NFC machine or merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal, wherein the student identity authentication is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine; according to the merchant NFC machine or merchant cash register device responding to the result, the corresponding student rights payment business is executed for the target user, and the payment status information is prompted.

Description

Technical Field

[0001] This specification relates to the field of near field communication technology, and in particular to NFC student business processing methods, devices and equipment. Background Art

[0002] With the development of Internet technology and the popularization of smart phones, more and more business can be conducted through corresponding applications on smart phones, bringing great convenience to people's lives.

[0003] In order to attract traffic and increase brand influence, many merchants will also launch various online promotional activities. These promotional activities usually allow users to scan QR codes to receive coupons or directly receive coupons in the merchant application. As long as they are registered users, they can receive and use them, which is more convenient.

[0004] In actual application, the applicant also noticed that some merchants began to pay attention to the student group and wanted to launch exclusive benefits specifically for students. The reasons are: on the one hand, students have relatively weak consumption capacity, so such exclusive benefits can more effectively win the favor of students, making students more likely to become loyal users of merchants; on the other hand, students have social attributes and are more likely to spread word-of-mouth about merchants to each other, and they often appear in groups of three or five offline, or even in larger numbers, with a high concentration of traffic. Exclusive benefits can help to obtain student traffic more efficiently.

[0005] Of course, if students want to obtain this exclusive benefit, they need to conduct student identity verification accordingly. The commonly used methods include: showing the physical student ID to the clerk, or registering detailed information such as name, ID number, school name, student number, etc. in the merchant's application. The former method may be fraudulent and students may not carry the physical student ID with them, and the clerk's verification is also inefficient; the latter method requires students to manually fill in more information on the spot, and they need to fill it out again for different merchants, which is cumbersome and inefficient.

[0006] Based on this, there is a need for solutions that can help students conduct student rights affairs more conveniently, efficiently and safely. Summary of the invention

[0007] One or more embodiments of this specification provide NFC student business processing methods, devices, and equipment to solve the following technical problems: a solution is needed to help students conduct student rights and interests business more conveniently, efficiently, and safely.

[0008] To solve the above technical problems, one or more embodiments of this specification are implemented as follows:

[0009] One or more embodiments of this specification provide an NFC student business processing method, which is applied to a merchant's NFC equipment, and the method includes:

[0010] Receive a student business trigger instruction sent by a merchant cash register device, and enter a student identity verification state in response to the student business trigger instruction;

[0011] In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal through NFC communication with the user mobile terminal, wherein the student identity authentication is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0012] According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

[0013] Another NFC student service processing method provided by one or more embodiments of this specification is applied to a user mobile terminal, and the method includes:

[0014] After the merchant's NFC machine responds to the student service trigger instruction sent by the merchant's cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC machine and performs NFC communication with the merchant's NFC machine;

[0015] Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0016] The result of the student identity authentication is obtained so that the merchant NFC machine or the merchant cash register device responds to the result, performs the corresponding student rights payment business for the target user, and prompts the payment status information.

[0017] One or more embodiments of this specification provide an NFC student business processing device, which is applied to a merchant's NFC equipment, and the device includes:

[0018] The verification state entry module receives the student business trigger instruction sent by the merchant cash register device, and enters the student identity verification state in response to the student business trigger instruction;

[0019] The NFC communication verification module, in the student identity verification state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, then through NFC communication with the user mobile terminal, the merchant NFC machine or the merchant cash register device obtains the student identity verification result of the target user corresponding to the user mobile terminal, wherein the student identity verification is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0020] The payment status prompt module prompts payment status information according to the situation in which the merchant's NFC machine or the merchant's cash register device executes the corresponding student equity payment service for the target user in response to the result.

[0021] One or more embodiments of this specification provide an NFC student service processing device, which is applied to a user mobile terminal. The device includes:

[0022] Approaching the NFC communication module, after the merchant's NFC machine responds to the student business trigger instruction sent by the merchant's cash register device and enters the student identity verification state, approaching the NFC sensing area on the merchant's NFC machine to perform NFC communication with the merchant's NFC machine;

[0023] The student quick verification module automatically enters the corresponding business page under the trigger of the NFC communication, and calls the student identity verification service provided by the platform in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0024] The payment continuation processing module obtains the result of the student identity verification so that the merchant NFC machine or the merchant cash register device responds to the result, executes the corresponding student rights payment business for the target user, and prompts the payment status information.

[0025] One or more embodiments of this specification provide an NFC student business processing device, which is applied to a merchant's NFC machine. The device includes:

[0026] at least one processor; and,

[0027] a memory communicatively connected to the at least one processor; wherein,

[0028] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute:

[0029] Receive a student business trigger instruction sent by a merchant cash register device, and enter a student identity verification state in response to the student business trigger instruction;

[0030] In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal through NFC communication with the user mobile terminal, wherein the student identity authentication is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0031] According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

[0032] One or more embodiments of this specification provide an NFC student business processing device, which is applied to a user mobile terminal. The device includes:

[0033] at least one processor; and,

[0034] a memory communicatively connected to the at least one processor; wherein,

[0035] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute:

[0036] After the merchant's NFC machine responds to the student service trigger instruction sent by the merchant's cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC machine and performs NFC communication with the merchant's NFC machine;

[0037] Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0038] The result of the student identity authentication is obtained so that the merchant NFC machine or the merchant cash register device responds to the result, performs the corresponding student rights payment business for the target user, and prompts the payment status information.

[0039] At least one of the above-mentioned technical solutions adopted in one or more embodiments of the present specification can achieve the following beneficial effects: based on the merchant NFC machine and the platform capabilities of the service provider of the merchant NFC machine, a quick channel for student identity authentication is provided for users. In this case, the merchant can connect the merchant cash register device to the merchant NFC machine without basically modifying the merchant cash register device, so as to conveniently access the NFC interaction capability and student identity authentication support capability; when the merchant needs to serve the students, the merchant cash register device can be used to trigger the merchant NFC machine to enter the student identity authentication state. The student only needs to "touch" (close enough) the merchant cash register device with his or her user mobile terminal (smartphone or smart watch, etc.) with NFC function, which can trigger the convenient call of platform capabilities on the user mobile terminal. For example, based on the personal information or historical usage on the platform, the student identity authentication can be quickly completed, and the corresponding student rights can be obtained, and the student rights can be smoothly continued to be used through the merchant cash register device or the merchant NFC machine to carry out student rights business. This process is convenient and efficient to operate, and the security of the platform is guaranteed. Even when doing business with different merchants connected to the platform, there is no need to re-fill in the relevant verification information, and merchants do not need to develop corresponding verification functions themselves. Therefore, it is very friendly to both student users and merchants. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] 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 specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0041] Figure 1 A flowchart of an NFC student service processing method provided in one or more embodiments of this specification;

[0042] Figure 2 A schematic flow chart of a two-step NFC interaction processing solution provided for one or more embodiments of this specification;

[0043] Figure 3 In an application scenario provided by one or more embodiments of this specification, Figure 1 A schematic diagram of a principle of an implementation scheme of the scheme;

[0044] Figure 4 One or more embodiments of this specification provide for Figure 2 A flowchart of an auxiliary judgment scheme of the scheme;

[0045] Figure 5 In an application scenario provided by one or more embodiments of this specification, Figure 1 A schematic diagram of another embodiment of the scheme of ;

[0046] Figure 6 A flowchart of another NFC student service processing method provided in one or more embodiments of this specification;

[0047] Figure 7 A schematic diagram of the structure of an NFC student business processing device provided in one or more embodiments of this specification;

[0048] Figure 8 A schematic diagram of the structure of another NFC student business processing device provided in one or more embodiments of this specification;

[0049] Fig. 9 A schematic diagram of the structure of another NFC student business processing device provided in one or more embodiments of this specification;

[0050] Fig.10 A schematic diagram of the structure of another NFC student business processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0051] The embodiments of this specification provide NFC student business processing methods, devices, equipment and storage media.

[0052] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0053] In order to solve the problems in the background technology, this application considers expanding the connection of the merchant's existing merchant cash register equipment by providing NFC machines provided by the payment service provider (of course, it can also be other service providers), which are called merchant NFC machines, and also connecting the quick student identity authentication capability built on the payment service provider's platform to the merchant NFC machines. As a result, different merchants and students can mainly interact based on NFC to achieve a more unified and quick completion of student identity authentication, and then use the corresponding student rights and interests to conduct business smoothly and efficiently. This solution can also effectively reduce the merchant's transformation and deployment costs (mainly referring to the additional development costs here), and at the same time help to enhance the platform's competitiveness and create a win-win situation for all parties.

[0054] Based on this general idea, the solution of this application will be further described below.

[0055] For the convenience of description, we will first combine Figure 1 , described from the perspective of merchant NFC equipment. Figure 1 A flowchart of an NFC student business processing method is provided for one or more embodiments of this specification. The execution subject of the process may include a merchant NFC device, and the software level may specifically involve the operating system of the merchant NFC device, and the business applications installed on the merchant NFC device, such as payment applications or other types of applications provided by payment service providers, or small programs connected to these applications, etc.

[0056] Figure 1 The process in includes the following steps:

[0057] S102: receiving a student service trigger instruction sent by a merchant's cash register device, and entering a student identity verification state in response to the student service trigger instruction.

[0058] Merchants usually have deployed merchant cash register equipment (such as desktop cash registers or handheld POS machines, etc.) at the cash register counter, as well as cash register software used on merchant cash register equipment. This is a common infrastructure at the cash register counter, which can support one or more basic payment methods, such as bank card payment, membership card payment, QR code payment, etc., but may not yet support near-field communication payment. The clerk needs to rely on these basic equipment to cash the user. Of course, these infrastructures can also be user-service, so that the user can complete the checkout by himself without the need for clerk operation. These infrastructures can be provided by different service providers, and the cash registers and cash register software used by different merchants may also be different.

[0059] In order to further provide merchants with NFC capabilities, payment service providers can provide merchants with NFC equipment. Merchant NFC equipment is connected to merchant cash registers wirelessly or wired, providing NFC capabilities to assist merchant cash registers, so that merchant cash registers can also indirectly support near-field communication payment methods.

[0060] In most cases, the service provider of the merchant's cash register equipment and merchant cash register may not be the payment service provider. The NFC capability access services provided by the payment service provider are compatible with a variety of different merchant cash register equipment and merchant cash registers, thereby providing convenience for more merchants.

[0061] In addition, it should be noted that the merchant cash register device and the merchant NFC machine can also be integrated into an integral device, which is particularly possible when they are provided by the same service provider. In this case, the information interaction between the merchant cash register device and the merchant NFC machine described in this application can specifically be the information interaction within the integral device itself.

[0062] In one or more embodiments of the present specification, the current merchant provides students with student benefits, and students can use the student benefits (such as student prices, student gifts, student product packages, etc.) to obtain discounts or additional rewards when paying. Of course, if students want to use student benefits, they need to perform student identity verification to prove their student status.

[0063] For the sake of ease of description, it is assumed that a manual checkout method is adopted. If a self-service checkout method is adopted, the user can operate it on his own instead of the clerk, and it will not hinder the implementation of this solution.

[0064] Assuming that the current user comes to the checkout counter and wants to use student benefits, he can tell the clerk, and the clerk will perform corresponding operations on the merchant's cash register device (for example, click a button specially created for student business, or click a general payment initiation button, etc.), so that the merchant's cash register device sends a student business trigger instruction to the merchant's NFC machine. The merchant's NFC machine then enters the student identity verification state, and can prompt the user through lights, sounds, or display information that it is ready and can perform student identity verification, so that the user can understand accurately.

[0065] S104: In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal (that is, the user currently using the user mobile terminal, or the user currently logged in on the user mobile terminal, for the sake of ease of description, hereinafter referred to as the current user or user) through NFC communication with the user mobile terminal, wherein the student identity authentication is quickly completed based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine.

[0066] In order to facilitate user operation, the merchant's NFC equipment can be placed in places where users can easily approach, such as the countertop of the cash register, a certain position on the self-service machine facing the user, etc. In order to facilitate deployment, the merchant's NFC equipment is a small and easy-to-move equipment. The merchant's NFC equipment has an NFC sensing area for NFC interaction, and optionally also has a display screen area, etc. The user's mobile terminal is a device such as a smartphone or smart watch that supports the NFC function.

[0067] The user brings the user's mobile terminal close to the NFC sensing area on the merchant's NFC machine until it is close enough (usually within a few centimeters. To be on the safe side, the NFC sensing area can be touched, called "touch") for successful sensing and NFC communication.

[0068] In one or more embodiments of the present specification, through NFC communication, the merchant's NFC machine triggers the user's mobile terminal to enter a specific business page for student identity authentication. For example, the merchant's NFC machine can provide the address of the business page to the user's mobile terminal through NFC communication, and then the user's mobile terminal automatically accesses the address; alternatively, the user's mobile terminal can also complete the student identity authentication for the user in advance, and save the result of the student identity authentication locally or in the cloud in the form of a trusted credential, and then provide the saved result to the merchant's NFC machine through NFC communication.

[0069] With the assistance of the cloud, the results of student identity authentication may not go through the merchant's NFC machine, or may even not go through the merchant's NFC machine, but be provided to the merchant's cash register. For example, the merchant's NFC machine can inform the user of the address of the mobile terminal, and then the user's mobile terminal notifies the cloud to send the user's student identity authentication results directly to the merchant's cash register. Of course, the results of student identity authentication can also be provided only to the merchant's NFC machine and used on the merchant's NFC machine, so that the merchant's cash register can be executed as much as possible according to the original business logic, and the business logic differentiation introduced by this solution is implemented on the merchant's NFC machine as much as possible. This helps to further reduce the need for modification of the merchant's cash register when implementing this solution.

[0070] In one or more embodiments of this specification, the service provider of the merchant NFC equipment itself has one or more platforms that serve a large number of different merchants and different users, and has accumulated a large amount of privacy-protected and relatively reliable user information through the platform, such as user registration information, user historical business information, user historical verification information, etc. Based on this information (for example, user historical verification information may include student identity verification information), it is possible to quickly determine whether the user is a student, or, even if it is impossible to make an accurate judgment, it only requires the user to further provide less supplementary information (which also effectively reduces the operational burden of the user filling in on-site to complete the verification) to make an accurate judgment; based on this, the platform is capable of providing a quick student identity verification service.

[0071] In this case, the merchant's NFC machine can perform NFC interaction through the user's mobile terminal, triggering the user's mobile terminal to automatically call the service provided by the platform, thereby quickly verifying the current user's student identity. The merchant NFC machines of different merchants can share this service, so that users can achieve such quick verification at a large number of merchants (for example, one-click verification of the user's student identity; or even automatic jump to verification without any user operation), without having to fill in information repeatedly and tediously.

[0072] Users can also complete student identity authentication on the platform in advance. After that, the platform generates a trusted credential based on the verification result and sends it to the user, which is securely stored locally on the user's mobile terminal. In this case, the user's mobile terminal can directly provide the trusted credential to the merchant's NFC machine for confirmation through NFC communication with the merchant's NFC machine (the trusted credential is directly sent to the merchant's NFC machine; or, the confirmation can be completed through trusted computing, while the trusted credential is always in the secure computing environment of the user's mobile terminal), so that the merchant's NFC machine can quickly obtain the user's student identity authentication results.

[0073] In one or more embodiments of this specification, if the user performs student identity authentication and passes the authentication, the user can further obtain corresponding student rights and interests through the user's mobile terminal. The student rights and interests can be automatically credited or manually collected by the user. Of course, the student rights and interests can also be issued to the user on the merchant's cash register device or the merchant's NFC machine.

[0074] The result of student identity verification is indirectly indicated by the student rights and interests obtained based on the student identity, and / or is directly indicated by whether the verification is passed. In the former case, for example, if the user's mobile terminal provides the merchant's NFC machine or merchant's cash register with the credential information of the student's rights and interests after the verification is passed and the student's rights and interests are obtained (or, it can also be queried through the cloud, and it is not necessarily required for the user's mobile terminal to provide it directly), then the merchant's NFC machine or merchant's cash register can indirectly determine that the user has passed the student identity verification. Otherwise, if it fails, the user should not be able to obtain the student's rights and interests.

[0075] S106: Prompt payment status information based on the execution of the corresponding student equity payment service for the target user by the merchant's NFC machine or the merchant's cash register device in response to the result.

[0076] In one or more embodiments of the present specification, assuming that the result reflects that the current user has passed the student identity verification and is indeed a student, the corresponding student rights and interests can be used to perform payment services for the user, so that the user can obtain additional corresponding benefits, such as preferential prices or additional gifts, etc. If the student rights and interests payment service is performed by a merchant cash register device, the merchant cash register device can also notify the merchant NFC machine of the payment status information so that the merchant NFC machine can cooperate to prompt the user.

[0077] Of course, if the result reflects that the current user has not passed the student identity verification, the corresponding student rights and interests may not be used, but the payment business may be performed according to the situation of a general user other than a student.

[0078] pass Figure 1 The method provides users with a quick channel for student identity authentication based on merchant NFC machines and the platform capabilities of the service providers of merchant NFC machines. In this case, merchants can easily access NFC interaction capabilities and student identity authentication support capabilities by connecting merchant cash registers to merchant NFC machines without basically modifying the merchant cash registers. When merchants need to serve students, they can trigger merchant NFC machines to enter student identity authentication status through merchant cash registers. Students only need to "touch" (close enough) their user mobile terminals with NFC functions (smartphones or smart watches, etc.) with the merchant cash registers to trigger the convenient invocation of platform capabilities on the user mobile terminals. For example, based on their personal information or historical usage on the platform, they can quickly complete student identity authentication and obtain corresponding student rights and interests, and smoothly continue to use the student rights and interests through merchant cash registers or merchant NFC machines to conduct student rights and interests business. This process is convenient and efficient to operate, and the security of the platform is guaranteed. Even when doing business with different merchants connected to the platform, there is no need to re-fill in the relevant verification information, and merchants do not need to develop corresponding verification functions themselves. Therefore, it is very friendly to both student users and merchants.

[0079] based on Figure 1 This specification also provides some specific implementation plans and extension plans of the method, which will be described below.

[0080] In one or more embodiments of this specification, when the merchant's NFC equipment is in the student identity authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC equipment, the user's mobile terminal is triggered to enter the corresponding business page through NFC communication with the user's mobile terminal, so that the user's mobile terminal can call the student identity authentication service provided by the platform in the business page to quickly complete the student identity authentication, and after the student identity authentication is completed, the merchant's NFC equipment or merchant's cash register equipment can obtain the student identity authentication result of the target user. Furthermore, if the student identity authentication is passed, the current user can also obtain the corresponding student rights and interests in the business page or its linked page.

[0081] Considering that when entering the business page, the user may be required to perform actions such as click verification, or click to claim student rights, or even if the user does not need to perform these actions, the user may still want to immediately view the information displayed on the user's mobile terminal, then the user will habitually take the user's mobile terminal back from the NFC sensing area quickly, which may bring uncertainty to the subsequent information interaction and business execution. In order to avoid this situation, the present application further designs a two-step "touch twice" solution with stronger fault tolerance and better rhythm. The whole process is clearly divided into two sections. The first section verifies the student's identity to obtain student rights, and the second section uses student rights to execute business. It is triggered by the user "touching" separately. From the user's perspective, it is also a confirmation, which is clear to understand, and can tolerate a shorter duration window for each "touch", thereby improving reliability. Based on this idea, one or more embodiments of this specification provide a flow chart of a two-step NFC interaction processing solution, see. Figure 2 .

[0082] Figure 2 The process in includes the following steps:

[0083] S202: Performing a first round of NFC communication with the user mobile terminal, so that the student identity verification is completed for the target user on the user mobile terminal, and student rights and interests corresponding to the student identity are obtained, wherein, during the process of completing the student identity verification, the user mobile terminal leaves the NFC communication range of the merchant NFC machine.

[0084] In one or more embodiments of the present specification, the user first performs a "touch" to trigger the first round of NFC communication, which may include, for example, providing the address information of the business page used to call the student identity authentication service provided by the platform to the user's mobile terminal via NFC communication so that it can automatically access the business page.

[0085] Of course, it is also possible to request the user's mobile terminal to return the student identity verification certificate through the first round of NFC communication, without specifically triggering the page access. In short, through this round of NFC communication, the merchant can confirm whether the current user is a student.

[0086] S204: If the user mobile terminal approaches the NFC sensing area on the merchant's NFC machine again, a second round of NFC communication is performed with the user mobile terminal, so that the merchant's NFC machine or the merchant's cash register device determines that the target user has obtained the student benefits, so as to use the student benefits and execute corresponding student benefits payment services for the target user.

[0087] In one or more embodiments of the present specification, after the user executes "touch once", he takes back the user mobile terminal, and then executes "touch again", which can trigger a second round of NFC communication, for example, it can include: obtaining the certificate of student rights and interests provided by the user mobile terminal through NFC communication or the identification information of the target user, wherein the identification information is used to query the student rights and interests that the target user has obtained.

[0088] Here is an example of obtaining the identification information of the target user based on NFC communication, thereby realizing the query of student rights and interests. The user's mobile terminal can also provide the authorization information of the use of student rights and interests to the merchant's NFC equipment through the second round of NFC communication.

[0089] It should be noted that, no matter the first round of NFC communication or the second round of NFC communication, they may include one or more information transfer interactions, or even only one unidirectional information transfer, and may be specifically designed according to actual needs.

[0090] Cooperate Figure 2 In the scheme, more intuitively, one or more embodiments of this specification also provide an application scenario, Figure 1 A schematic diagram of a scheme of implementation of the scheme of Figure 3 , in this embodiment, Figure 2 The idea of ​​"touch twice" in the above example is that Figure 3 Some small screenshots of corresponding devices are only exemplary and are not clearly shown for privacy protection. There is no need to pay attention to the specific content in these small screenshots. The text description alone is sufficient to understand them correctly.

[0091] exist Figure 3In the application scenario, the merchant's cash register equipment is, for example, a cash register POS machine (not shown in the figure, the first small screenshot is the cash register page on the cash register POS machine), and the merchant's NFC machine is, for example, an NFC portable terminal with a screen (shown in a rounded rectangle). The two can maintain connection through methods such as Bluetooth, and the user's mobile terminal is, for example, a smart phone.

[0092] The cash register POS machine can be modified to a certain extent in advance. The modification can be achieved by updating the cash register software on the cash register POS machine, or by installing additional auxiliary software (such as verification components, small instruction components for auxiliary information transmission, etc.) on the cash register POS machine. The latter method does not require the cooperation of the cash register software and is easier to implement. For example, a first operation control (such as a student identity verification button) can be added to the business interface on the cash register POS machine. The clerk can send a student business trigger instruction to the NFC portable terminal by performing a corresponding operation on the first operation control on the cash register POS machine (such as clicking the student identity verification button), so that the NFC portable terminal enters the student identity verification state.

[0093] After that, the user can "touch" his smartphone with the NFC portable terminal to conduct the first round of NFC communication, and then take back the smartphone to operate on the phone screen to verify the student and collect student benefits. At this time, the user's smartphone will jump to a specific business page. For example, if the merchant has a mini program, you can jump to the designated page of the mini program. If the merchant does not have a mini program, you can jump to the designated page provided by the platform for multiple merchants.

[0094] After the jump, in the business page, for example, by clicking the verification button on the page, the quick student identity authentication service provided by the platform is called to quickly complete the verification. Assuming the verification is successful, the student rights and interests collection page can be entered, and the user can click to collect the student rights and interests, and the collected student rights and interests can be entered into the user's virtual card wallet, for example.

[0095] Afterwards, after the first round of NFC communication, when the user's smartphone leaves the NFC communication range of the NFC portable terminal, the clerk can send a payment trigger instruction to the NFC portable terminal by performing a corresponding operation on the second operation control on the cash register POS machine (for example, the payment button), so that the NFC portable terminal enters the payment state. It is assumed here that the first operation control and the second operation control are not the same operation control (if they are the same operation control, it is necessary to add corresponding judgment and decision logic behind them), the second operation control is the original control, and the first operation control is the control added by the transformation and upgrade.

[0096] Afterwards, the user can "touch" his or her smartphone against the NFC portable terminal again, and through a second round of NFC communication, the payment process will be executed, and the student benefits received by the user will be used for payment, and the cancellation of the student benefits will be completed.

[0097] In the above-mentioned "touch twice" solution, in order to prevent other users other than the current user from accidentally triggering the merchant's NFC device, one or more embodiments of this specification also provide for Figure 2 and Figure 3 A flowchart of an auxiliary judgment scheme in the scheme is shown in Figure 4 .

[0098] Figure 4 The process in includes the following steps:

[0099] S402: Without triggering the merchant's cash register device again, if the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, determine whether a user change occurs based on the user information provided after the user's mobile terminal approaches again.

[0100] Here, it is assumed that the merchant cash register device only needs to be triggered once (of course, the same solution can also be used in the case of two triggers), and the user can perform "touch once" and "touch again" in sequence. In this case, although the device operation is simplified, the possibility of misoperation may increase. For example, after "touch once", the user mobile terminal that approaches again may not be the user mobile terminal that approached last time, but the user mobile terminal of another user, that is, the user who performs "touch once" and the user who performs "touch again" may not be the same user, and accordingly, the user using the same user mobile terminal is not the same user mobile terminal.

[0101] In order to avoid this situation causing problems in subsequent business (the working state of the merchant's NFC equipment deviates from the expectations of the current interacting user), it is possible to determine whether the two users have changed. If so, it means that they are not the same user, and the latter user may have accidentally touched the merchant's NFC equipment. Therefore, the second round of NFC communication can be skipped. For example, the latter user can be prompted to make an error and the former user can be prompted to continue to "touch again".

[0102] S404: If not, perform a second round of NFC communication with the user mobile terminal.

[0103] If not, it means that the previous and subsequent users are the same user, and the second round of NFC communication can be continued.

[0104] In the above, the explanation was mainly based on the idea of ​​"touch twice". The above solution can also be simplified and modified to achieve the purpose by "only touching once".

[0105] Based on the idea of ​​"only touching once", one or more embodiments of this specification also provide an application scenario: Figure 1 For a schematic diagram of another embodiment of the scheme of Figure 5 .

[0106] exist Figure 5 In the solution, after the merchant's NFC machine enters the student identity authentication state, the user "touches it" and the merchant's NFC machine can communicate with the user's mobile terminal through NFC to obtain the student identity authentication result of the target user corresponding to the user's mobile terminal, and transmit the result back to the merchant's cash register device.

[0107] Afterwards, the merchant's cash register device can initiate corresponding student benefit payment services based on the preferential price of the benefits according to the student's identity. For example, the original price to be paid can be modified to the student preferential price, and the merchant's NFC device can initiate payment to the user's mobile terminal, and then the user can complete the payment based on near-field communication. Figure 5 The three screenshots on the lower middle side are respectively a screenshot on the user's mobile terminal prompting that the student's identity verification is completed, a screenshot prompting that payment is in progress, and a screenshot prompting that the payment is completed.

[0108] In one or more embodiments of the present specification, it was mentioned earlier that students have social attributes, and therefore often come to offline stores in groups of three or five or even in large numbers. Considering that the efficiency of interactive verification in front of the checkout counter will be relatively low, this problem will be exacerbated especially when the queue is long.

[0109] Based on this, a solution supporting group student identity authentication is further provided. In the scenario of this solution, the target user may include the logged-in user of the user mobile terminal and one or more related users of the logged-in user. For example, the logged-in user is one of the multiple students who come to the store together and know each other (for the sake of description, referred to as the representative student), and the related users are other students among the multiple students. The above-mentioned user mobile terminal is, for example, the smart phone or smart watch of the representative student.

[0110] The merchant's NFC machine responds to the student business trigger instruction (a separate button can be set for the group student situation, or the business logic corresponding to the existing button can be modified) and can enter the group student identity authentication state; in the group student identity authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC machine, the merchant's NFC machine or merchant's cash register device obtains the group student identity authentication result of the target user corresponding to the user's mobile terminal through NFC communication with the user's mobile terminal. In this case, the result of the group student identity authentication is actually a collection of student identity authentication results for multiple users. The representative student only needs to queue up and operate at the cash register to complete the verification at the same time, which is efficient and not prone to errors.

[0111] Furthermore, in order to facilitate the merchant to cooperate more accurately in business, the merchant can also proactively intervene in advance to designate the representative student to establish his or her representative identity that can be recognized, which is also helpful to improve security and avoid erroneous or repeated interactions. Specifically, the merchant's NFC equipment can send group collection authority information to the user's mobile terminal through NFC communication (for example, the first round of NFC communication); receive the student identity authentication result of the logged-in user provided by the user's mobile terminal, and the user's mobile terminal uses the authority corresponding to the group collection authority information, and the student identity authentication results of each relevant user collected from the relevant mobile terminal. Based on the group collection authority information, the user's mobile terminal can collect (for example, also collect through NFC, and can notify other mobile terminals to interact based on active broadcasting) the student identity authentication results of other students' smartphones or smart watches, and then integrate them to obtain the group verification result. When other students verify, they can directly use the verified credentials obtained after historical verification and provide the credentials to the representative student.

[0112] For merchant NFC machines, since the student groups they are facing already have representatives, after sending the group collection authority information to the user's mobile terminal, if the set waiting conditions (for example, within the set time limit, the user's mobile terminal has not completed the group verification, etc.) are met, NFC communication with other user mobile terminals other than the user's mobile terminal can be refused.

[0113] In order to facilitate verification by other students, there can be multiple merchant NFC machines at the merchant where the target user is located. At least one merchant NFC machine is deployed in the area outside the merchant's cashier counter to send group collection authority information, and can also be used for other students to verify in advance, and then collected to the representative student, who then interacts with the merchant NFC machine at the cashier counter.

[0114] The above is mainly described from the perspective of the merchant's NFC equipment. Based on the same idea, one or more embodiments of this specification also provide another NFC student business processing method, which is described from the perspective of the user's mobile terminal. Figure 6 A flow chart of another method is shown in FIG.

[0115] Figure 6 The process in includes the following steps:

[0116] S602: After the merchant's NFC machine enters the student identity verification state in response to the student service trigger instruction sent by the merchant's cash register device, it approaches the NFC sensing area on the merchant's NFC machine and performs NFC communication with the merchant's NFC machine.

[0117] S604: Under the triggering of the NFC communication, the corresponding business page is automatically entered, and the student identity authentication service provided by the platform is called in the business page, and the student identity authentication is quickly completed according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants.

[0118] S606: Obtain the result of the student identity authentication so that the merchant NFC machine or the merchant cash register device responds to the result and performs the corresponding student equity payment service for the target user, prompting payment status information.

[0119] For details, please refer to the previous instructions and will not be repeated here.

[0120] Based on the same idea, one or more embodiments of this specification also provide devices and apparatuses corresponding to the above methods, such as Figure 7~Figure 10 The apparatus and device can accordingly execute the above method and related optional solutions.

[0121] Figure 7 A schematic diagram of the structure of an NFC student business processing device provided in one or more embodiments of this specification, wherein the device is applied to a merchant NFC machine, and the device includes:

[0122] The verification state entry module 702 receives a student business trigger instruction sent by a merchant cash register device, and enters a student identity verification state in response to the student business trigger instruction;

[0123] The NFC communication verification module 704, in the student identity verification state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, performs NFC communication with the user mobile terminal, so that the merchant NFC machine or the merchant cash register device obtains the student identity verification result of the target user corresponding to the user mobile terminal, wherein the student identity verification is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0124] The payment status prompt module 706 prompts payment status information according to the situation that the merchant's NFC machine or the merchant's cash register device executes the corresponding student equity payment service for the target user in response to the result.

[0125] Optionally, the NFC communication verification module 704 triggers the user mobile terminal to enter a corresponding business page by performing NFC communication with the user mobile terminal, so that the user mobile terminal can call the student identity authentication service provided by the platform in the business page to quickly complete the student identity authentication, and after the student identity authentication is completed, the merchant NFC machine or the merchant cash register device can obtain the result of the student identity authentication of the target user.

[0126] Optionally, the result of the student identity verification is indirectly represented by the student rights and interests obtained based on the student identity, and / or is directly represented by whether the verification is passed.

[0127] Optionally, the NFC communication verification module 704 performs a first round of NFC communication with the user mobile terminal, so that the student identity verification is completed for the target user on the user mobile terminal, and the student rights and interests corresponding to the student identity are obtained, wherein, in the process of completing the student identity verification, the user mobile terminal leaves the NFC communication range of the merchant NFC machine;

[0128] If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC machine again, a second round of NFC communication will be performed with the user's mobile terminal, so that the merchant's NFC machine or the merchant's cash register device can determine that the target user has obtained the student benefits, so as to use the student benefits and execute corresponding student benefits payment services for the target user.

[0129] Optionally, the first round of NFC communication specifically includes: providing address information of a business page for invoking a student identity authentication service provided by the platform to the user mobile terminal through NFC communication so that the user mobile terminal automatically accesses the business page; and / or,

[0130] The second round of NFC communication specifically includes: obtaining the certificate of the student rights and interests or the identification information of the target user provided by the user mobile terminal through the NFC communication, wherein the identification information is used to query the student rights and interests that the target user has obtained.

[0131] Optionally, the student business trigger instruction is sent to the merchant's NFC machine by performing a corresponding operation on the first operating control on the merchant's cash register device;

[0132] The NFC communication verification module 704 receives a payment trigger instruction sent by the merchant's cash register device after the user's mobile terminal leaves the NFC communication range of the merchant's NFC machine after the first round of NFC communication, wherein the payment trigger instruction is sent by performing a corresponding operation on a second operation control on the merchant's cash register device;

[0133] If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user's mobile terminal.

[0134] Optionally, the NFC communication verification module 704, without triggering the merchant's cash register device again, if the user mobile terminal approaches the NFC sensing area on the merchant's NFC machine again, determines whether a user change occurs based on the user information provided after the user mobile terminal approaches again;

[0135] If not, a second round of NFC communication is performed with the user mobile terminal.

[0136] Optionally, the target user includes a logged-in user of the user mobile terminal, and one or more related users of the logged-in user;

[0137] The verification state entry module 702 enters the group student identity verification state in response to the student business trigger instruction;

[0138] The NFC communication verification module 704, in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, communicates with the user mobile terminal through NFC, so that the merchant NFC machine or the merchant cash register device obtains the result of the group student identity authentication of the target user corresponding to the user mobile terminal.

[0139] Optionally, the NFC communication verification module 704 sends group collection authority information to the user mobile terminal through NFC communication;

[0140] Receive the student identity verification result of the logged-in user provided by the user mobile terminal, and the student identity verification result of each of the related users collected from the related mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information.

[0141] Optionally, after sending the group collection authority information to the user mobile terminal, the NFC communication verification module 704 refuses to perform NFC communication with other user mobile terminals except the user mobile terminal if a set waiting condition is met.

[0142] Optionally, there are multiple merchant NFC machines at the merchant where the target user is located, and at least one merchant NFC machine is deployed in an area outside the cash register of the merchant to send the group collection authority information.

[0143] Figure 8 A schematic diagram of the structure of another NFC student business processing device provided in one or more embodiments of this specification, wherein the device is applied to a user mobile terminal, and the device includes:

[0144] Approaching the NFC communication module 802, after the merchant's NFC machine responds to the student business trigger instruction sent by the merchant's cash register device and enters the student identity verification state, approaching the NFC sensing area on the merchant's NFC machine to perform NFC communication with the merchant's NFC machine;

[0145] The student quick verification module 804 automatically enters the corresponding business page under the trigger of the NFC communication, and calls the student identity verification service provided by the platform in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0146] The payment continuation processing module 806 obtains the result of the student identity verification so that the merchant NFC machine or the merchant cash register device responds to the result and executes the corresponding student rights payment business for the target user, prompting the payment status information.

[0147] Fig. 9 A schematic diagram of the structure of an NFC student business processing device provided in one or more embodiments of this specification, wherein the device is applied to a merchant NFC machine, and the device includes:

[0148] at least one processor; and,

[0149] a memory communicatively connected to the at least one processor; wherein,

[0150] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute:

[0151] Receive a student business trigger instruction sent by a merchant cash register device, and enter a student identity verification state in response to the student business trigger instruction;

[0152] In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal through NFC communication with the user mobile terminal, wherein the student identity authentication is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0153] According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

[0154] Fig.10 A schematic diagram of the structure of another NFC student business processing device provided in one or more embodiments of this specification, wherein the device is applied to a user mobile terminal, and the device includes:

[0155] at least one processor; and,

[0156] a memory communicatively connected to the at least one processor; wherein,

[0157] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute:

[0158] After the merchant's NFC machine responds to the student business trigger instruction sent by the merchant's cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC machine and performs NFC communication with the merchant's NFC machine;

[0159] Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0160] The result of the student identity authentication is obtained so that the merchant NFC machine or the merchant cash register device responds to the result, performs the corresponding student rights payment business for the target user, and prompts the payment status information.

[0161] Based on the same idea, one or more embodiments of this specification also provide a non-volatile computer storage medium, which is applied to a merchant NFC machine, and the medium stores computer executable instructions, and the computer executable instructions are set to:

[0162] Receive a student business trigger instruction sent by a merchant cash register device, and enter a student identity verification state in response to the student business trigger instruction;

[0163] In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal through NFC communication with the user mobile terminal, wherein the student identity authentication is completed quickly based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine;

[0164] According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

[0165] One or more embodiments of this specification also provide another non-volatile computer storage medium, which is applied to a user mobile terminal, wherein the medium stores computer executable instructions, and the computer executable instructions are configured as follows:

[0166] After the merchant's NFC machine responds to the student business trigger instruction sent by the merchant's cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC machine and performs NFC communication with the merchant's NFC machine;

[0167] Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants;

[0168] The result of the student identity authentication is obtained so that the merchant NFC machine or the merchant cash register device responds to the result, performs the corresponding student rights payment business for the target user, and prompts the payment status information.

[0169] 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.

[0170] 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.

[0171] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0172] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification 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.

[0173] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. 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.

[0174] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0175] 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 A step that specifies a function in one or more boxes.

[0176] 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.

[0177] This specification 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. This specification 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.

[0178] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device, equipment, and non-volatile computer storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0179] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0180] The above description is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, one or more embodiments of this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included in the scope of the claims of this specification.

Claims

1. A method for processing NFC student services, applied to merchant NFC equipment, the method comprising: Receiving a student business trigger instruction sent by a merchant cash register device, and responding to the student business trigger instruction to enter a student identity verification state, specifically including: responding to the student business trigger instruction to enter a group student identity verification state; In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal by performing NFC communication with the user mobile terminal, and the target user includes the logged-in user of the user mobile terminal and one or more related users of the logged-in user, specifically including: in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the group collection authority information is sent to the user mobile terminal through NFC communication, the student identity authentication result of the logged-in user provided by the user mobile terminal is received, and the student identity authentication results of each related user collected from the related mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information, wherein the student identity authentication is quickly completed based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine; According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

2. The method according to claim 1, wherein the NFC communication with the user mobile terminal enables the merchant NFC machine or the merchant cash register device to obtain the student identity verification result of the target user corresponding to the user mobile terminal, specifically comprising: By performing NFC communication with the user's mobile terminal, the user's mobile terminal is triggered to enter a corresponding business page, so that the user's mobile terminal can call the student identity authentication service provided by the platform in the business page to quickly complete the student identity authentication, and after the student identity authentication is completed, the merchant's NFC machine or the merchant's cash register device can obtain the result of the student identity authentication of the target user.

3. According to the method described in claim 1 or 2, the result of the student identity verification is indirectly represented by the student rights and interests obtained based on the student identity, and / or is directly represented by whether the verification is passed.

4. The method according to claim 3, wherein the NFC communication with the user mobile terminal enables the merchant NFC machine or the merchant cash register device to obtain the student identity verification result of the target user corresponding to the user mobile terminal, specifically comprising: Performing a first round of NFC communication with the user mobile terminal, so that the student identity verification is completed for the target user on the user mobile terminal, and the student rights and interests corresponding to the student identity are obtained, wherein, during the process of completing the student identity verification, the user mobile terminal leaves the NFC communication range of the merchant NFC device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC machine again, a second round of NFC communication will be performed with the user's mobile terminal, so that the merchant's NFC machine or the merchant's cash register device can determine that the target user has obtained the student benefits, so as to use the student benefits and execute corresponding student benefits payment services for the target user.

5. The method according to claim 4, wherein the first round of NFC communication specifically comprises: Providing the address information of the service page for invoking the student identity authentication service provided by the platform to the user mobile terminal through NFC communication so that the user mobile terminal can automatically access the service page; and / or, The second round of NFC communication specifically includes: obtaining the certificate of the student rights and interests or the identification information of the target user provided by the user mobile terminal through the NFC communication, wherein the identification information is used to query the student rights and interests that the target user has obtained.

6. The method according to claim 4, wherein the student service trigger instruction is sent to the merchant's NFC device by performing a corresponding operation on the first operating control on the merchant's cash register device; If the user mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user mobile terminal, specifically including: After the first round of NFC communication, the user mobile terminal leaves the NFC communication range of the merchant's NFC machine, receiving a payment trigger instruction sent by the merchant's cash register device, wherein the payment trigger instruction is sent by performing a corresponding operation on a second operating control on the merchant's cash register device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user's mobile terminal.

7. The method according to claim 4, wherein if the user mobile terminal approaches the NFC sensing area on the merchant's NFC device again, performing a second round of NFC communication with the user mobile terminal, specifically comprising: Without triggering the merchant's cash register device again, if the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, judging whether a user change occurs based on the user information provided after the user's mobile terminal approaches again; If not, a second round of NFC communication is performed with the user mobile terminal.

8. The method according to claim 1, wherein the NFC communication with the user mobile terminal enables the merchant NFC machine or the merchant cash register device to obtain the student identity verification result of the target user corresponding to the user mobile terminal, specifically comprising: By performing NFC communication with the user's mobile terminal, the result of the student identity authentication of the target user corresponding to the user's mobile terminal is obtained, and the result is transmitted back to the merchant's cash register device, so that the merchant's cash register device initiates the corresponding student rights payment service according to the preferential price corresponding to the student identity.

9. The method according to claim 1, after sending the group collection authority information to the user mobile terminal, the method further comprises: When the set waiting condition is met, NFC communication with other user mobile terminals other than the user mobile terminal is rejected.

10. The method according to claim 1, wherein there are a plurality of merchant NFC machines at the merchant where the target user is located, and at least one of the merchant NFC machines is deployed in an area outside the cash register of the merchant for sending the group collection authority information.

11. A NFC student service processing method, applied to a user mobile terminal, the method comprising: After the merchant NFC machine responds to the student business trigger instruction sent by the merchant cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant NFC machine and performs NFC communication with the merchant NFC machine, and the student identity verification state includes the group student identity verification state; Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants; Obtain the result of the student identity authentication so that the merchant NFC machine or the merchant cash register device, in response to the result, performs a corresponding student equity payment service for a target user and prompts payment status information, wherein the target user includes a logged-in user of the user mobile terminal and one or more related users of the logged-in user; Among them, when the merchant's cash register device is in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant's NFC machine, the group collection authority information is sent to the user mobile terminal through NFC communication, and the student identity authentication result of the logged-in user provided by the user mobile terminal is received, as well as the student identity authentication results of each of the relevant users collected from the relevant mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information.

12. An NFC student business processing device, applied to a merchant's NFC equipment, the device comprising: The verification state entry module receives the student business trigger instruction sent by the merchant cash register device, and enters the student identity verification state in response to the student business trigger instruction, specifically including: entering the group student identity verification state in response to the student business trigger instruction; The NFC communication verification module, in the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, then through NFC communication with the user mobile terminal, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal, and the target user includes the logged-in user of the user mobile terminal and one or more related users of the logged-in user, specifically including: in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, then through NFC communication, group collection authority information is sent to the user mobile terminal, and the student identity authentication result of the logged-in user provided by the user mobile terminal is received, and the student identity authentication result of each related user is collected from the related mobile terminal by the user mobile terminal using the authority corresponding to the group collection authority information, wherein the student identity authentication is quickly completed based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine; The payment status prompt module prompts payment status information according to the situation in which the merchant's NFC machine or the merchant's cash register device executes the corresponding student equity payment service for the target user in response to the result.

13. In the device as described in claim 12, the NFC communication verification module triggers the user mobile terminal to enter the corresponding business page by performing NFC communication with the user mobile terminal, so that the user mobile terminal can call the student identity authentication service provided by the platform in the business page to quickly complete the student identity authentication, and after the student identity authentication is completed, the merchant NFC machine or the merchant cash register device can obtain the result of the student identity authentication of the target user.

14. The device as described in claim 12 or 13, wherein the result of the student identity verification is indirectly represented by the student rights and interests obtained based on the student identity, and / or is directly represented by whether the verification is passed.

15. The device according to claim 14, wherein the NFC communication verification module performs a first round of NFC communication with the user mobile terminal, so that the student identity verification is completed for the target user on the user mobile terminal, and the student rights and interests corresponding to the student identity are obtained, wherein: During the process of completing the student identity verification, the user mobile terminal leaves the NFC communication range of the merchant's NFC device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC machine again, a second round of NFC communication will be performed with the user's mobile terminal, so that the merchant's NFC machine or the merchant's cash register device can determine that the target user has obtained the student benefits, so as to use the student benefits and execute corresponding student benefits payment services for the target user.

16. The device according to claim 15, wherein the first round of NFC communication specifically comprises: Providing the address information of the service page for invoking the student identity authentication service provided by the platform to the user mobile terminal through NFC communication so that the user mobile terminal can automatically access the service page; and / or, The second round of NFC communication specifically includes: obtaining the certificate of the student rights and interests or the identification information of the target user provided by the user mobile terminal through the NFC communication, wherein the identification information is used to query the student rights and interests that the target user has obtained.

17. The device according to claim 15, wherein the student service trigger instruction is sent to the merchant's NFC device by performing a corresponding operation on the first operating control on the merchant's cash register device; The NFC communication verification module receives a payment trigger instruction sent by the merchant's cash register device after the user's mobile terminal leaves the NFC communication range of the merchant's NFC machine after the first round of NFC communication, wherein: The payment trigger instruction is sent by performing a corresponding operation on the second operating control on the merchant's cash register device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user's mobile terminal.

18. The device of claim 15, wherein the NFC communication verification module determines whether a user change occurs based on user information provided after the user mobile terminal approaches the NFC sensing area on the merchant's NFC machine again without triggering the merchant's cash register device again; If not, a second round of NFC communication is performed with the user mobile terminal.

19. An NFC student business processing device, applied to a user mobile terminal, the device comprising: Approaching the NFC communication module, after the merchant's NFC machine responds to the student business trigger instruction sent by the merchant's cash register device and enters the student identity authentication state, approaching the NFC sensing area on the merchant's NFC machine to perform NFC communication with the merchant's NFC machine, the student identity authentication state includes a group student identity authentication state; The student quick verification module automatically enters the corresponding business page under the trigger of the NFC communication, and calls the student identity verification service provided by the platform in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants; The payment continuation processing module obtains the result of the student identity verification so that the merchant NFC machine or the merchant cash register device responds to the result and prompts the payment status information on the corresponding student equity payment business for the target user, wherein the target user includes the logged-in user of the user mobile terminal and one or more related users of the logged-in user; Among them, when the merchant's cash register device is in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant's NFC machine, the group collection authority information is sent to the user mobile terminal through NFC communication, and the student identity authentication result of the logged-in user provided by the user mobile terminal is received, as well as the student identity authentication results of each of the relevant users collected from the relevant mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information.

20. An NFC student business processing device, applied to a merchant's NFC machine, the device comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: Receiving a student business trigger instruction sent by a merchant cash register device, and responding to the student business trigger instruction to enter a student identity verification state, specifically including: responding to the student business trigger instruction to enter a group student identity verification state; In the student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the merchant NFC machine or the merchant cash register device obtains the student identity authentication result of the target user corresponding to the user mobile terminal by performing NFC communication with the user mobile terminal, and the target user includes the logged-in user of the user mobile terminal and one or more related users of the logged-in user, specifically including: in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant NFC machine, the group collection authority information is sent to the user mobile terminal through NFC communication, the student identity authentication result of the logged-in user provided by the user mobile terminal is received, and the student identity authentication results of each related user collected from the related mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information, wherein the student identity authentication is quickly completed based on the user information on the platform connected to multiple different merchants provided by the service provider of the merchant NFC machine; According to the merchant's NFC machine or the merchant's cash register device responding to the result, the corresponding student equity payment service is executed for the target user, and payment status information is prompted.

21. An NFC student business processing device, applied to a user mobile terminal, the device comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: After the merchant NFC machine responds to the student business trigger instruction sent by the merchant cash register device and enters the student identity verification state, it approaches the NFC sensing area on the merchant NFC machine and performs NFC communication with the merchant NFC machine, and the student identity verification state includes the group student identity verification state; Under the trigger of the NFC communication, the corresponding business page is automatically entered, and the student identity verification service provided by the platform is called in the business page to quickly complete the student identity verification according to the user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC equipment and is connected to multiple different merchants; Obtain the result of the student identity authentication so that the merchant NFC machine or the merchant cash register device, in response to the result, performs a corresponding student equity payment service for a target user and prompts payment status information, wherein the target user includes a logged-in user of the user mobile terminal and one or more related users of the logged-in user; Among them, when the merchant's cash register device is in the group student identity authentication state, if the user mobile terminal is close to the NFC sensing area on the merchant's NFC machine, the group collection authority information is sent to the user mobile terminal through NFC communication, and the student identity authentication result of the logged-in user provided by the user mobile terminal is received, as well as the student identity authentication results of each of the relevant users collected from the relevant mobile terminals by the user mobile terminal using the authority corresponding to the group collection authority information.

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