Transaction method and device, electronic equipment, storage medium, program product and payment architecture

Abstract

The invention provides a transaction method and device, electronic equipment, a storage medium, a program product and a payment architecture. The method comprises the steps of obtaining a payment code from a payment application server in response to a payment operation of a user; and generating a temporary bank card corresponding to the payment code according to the digital content of the payment code. And using the temporary bank card to carry out non-contact payment transaction with the card swiping terminal. According to the method provided by the invention, a user habitually using code scanning payment can use the payment code to complete card swiping payment in a payment scene only supporting card swiping payment, so that the payment efficiency is improved, and the payment experience of the user is improved. And the temporary bank card has timeliness, so that the risk of information leakage and unauthorized swiping is reduced, and the payment security is improved.

Description

Technical Field

[0001] The present application relates to mobile payment technology, and in particular to a transaction method, device, electronic device, storage medium, program product and payment architecture. Background Art

[0002] With the continuous advancement of mobile Internet technology, mobile payment has become an indispensable part of people's daily life. Common mobile payment methods include QR code payment and card payment. QR code payment means that users generate a payment code through mobile payment applications, and merchants use QR code scanning devices to scan the payment code for payment. Card payment means that users use physical bank cards to pay at card terminals.

[0003] At present, more and more users are accustomed to using QR code payment. Therefore, for payment scenarios that only support card payment, it causes certain inconvenience to users. Summary of the invention

[0004] The present application provides a transaction method, device, electronic device, storage medium, program product and payment architecture to solve the payment scenario that only supports card payment, causing payment inconvenience to users who are accustomed to scanning code payment method.

[0005] In one aspect, the present application provides a transaction method, the method comprising:

[0006] In response to the user's payment operation, obtaining a payment code from the payment application server;

[0007] Generating a temporary bank card corresponding to the payment code according to the digital content of the payment code;

[0008] The temporary bank card is used to conduct contactless payment transactions with a card swiping terminal.

[0009] Optionally, generating a temporary bank card corresponding to the payment code according to the digital content includes:

[0010] According to the digital content, obtaining a temporary bank card number corresponding to the payment code;

[0011] Use the temporary bank card number to generate a temporary bank card.

[0012] Optionally, generating a temporary bank card number corresponding to the payment code according to the digital content includes:

[0013] Sending an initial temporary bank card number application request to the payment application server, wherein the application request carries the digital content;

[0014] Receive the temporary bank card number returned by the payment application server, where the temporary bank card number is applied for by the payment application server from the card organization transaction system.

[0015] Optionally, the using the temporary bank card number to generate a temporary bank card includes:

[0016] Using the temporary bank card number, create an HCE application in accordance with the electronic bank card specification; the HCE application contains the information of the temporary bank card and the transaction interface of the bank card; the information of the temporary bank card includes the temporary bank card number.

[0017] Optionally, the using the temporary bank card to conduct a contactless payment transaction with a card swiping terminal includes:

[0018] The HCE application interacts with the card swiping terminal by using NFC communication to provide the card swiping terminal with transaction payment information; the transaction payment information includes a temporary bank card number.

[0019] Optionally, the transaction payment information includes: application ciphertext; and the method further includes:

[0020] Obtaining a temporary key corresponding to the payment code from the payment application server;

[0021] The application ciphertext is generated using the temporary key.

[0022] Optionally, generating a temporary bank card corresponding to the payment code according to the digital content of the payment code includes:

[0023] In response to the user's operation on the payment code interface, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0024] Optionally, generating a temporary bank card corresponding to the payment code according to the digital content of the payment code includes:

[0025] Determining a target area where the payment application client is located according to the location data of the payment application client;

[0026] Determining a target payment method according to the payment method of the target area;

[0027] In the case where the target payment method is a payment method using a bank card, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0028] Optionally, generating a temporary bank card corresponding to the payment code according to the digital content of the payment code includes:

[0029] Identify whether there is a card swiping terminal within a preset range;

[0030] When there is a card swiping terminal, output inquiry information, which is used to inquire whether the user adopts a bank card payment method;

[0031] In response to a confirmation instruction input by the user based on the inquiry information to adopt a bank card payment method, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0032] Optionally, before using the temporary bank card to perform a contactless payment transaction with a card swiping terminal, the method further includes:

[0033] A first prompt message is outputted on the payment interface, where the first prompt message is used to prompt the user to perform a payment transaction with the card swiping terminal.

[0034] Optionally, after using the temporary bank card to conduct a contactless payment transaction with a card swiping terminal, the method further includes:

[0035] A second prompt message is output on the payment interface, where the second prompt message is used to prompt the completion status of the payment transaction.

[0036] In a second aspect, the present application provides a transaction method, the method comprising:

[0037] Send the payment code to the payment application client;

[0038] Receiving an initial temporary bank card number application request sent by a payment application; the application request carries the digital content of the payment code;

[0039] Apply for a temporary bank card number from the card organization's transaction system;

[0040] Sending the temporary bank card number to the payment application client, so that the payment application client generates a temporary bank card based on the temporary bank card number, and uses the temporary bank card to perform payment transactions with a card swiping terminal;

[0041] The mapping relationship between the temporary bank card number and the digital content is recorded.

[0042] Optionally, the method further comprises:

[0043] Receive a transaction processing request sent by a card organization transaction system, the transaction processing request including: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number, and the transaction payment information comes from a card swiping terminal that interacts with the payment application client for a contactless payment transaction;

[0044] Based on the temporary bank card number, obtaining the digital content corresponding to the temporary bank card number;

[0045] The transaction processing request is processed using a payment code transaction process to complete the payment transaction.

[0046] In a third aspect, the present application provides a transaction method, the method comprising:

[0047] Receive a temporary bank card number application request corresponding to the payment code sent by the payment application server;

[0048] Sending the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client, and the temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with a card swiping terminal;

[0049] Receiving an initial transaction processing request sent by the card swiping terminal after conducting a contactless payment transaction with the payment application client based on the temporary bank card, the initial transaction processing request including: transaction payment information corresponding to the temporary bank card; the transaction payment information including the temporary bank card number;

[0050] A transaction processing request is generated based on the initial transaction processing request and sent to the payment application server so that the payment application server completes the payment transaction using a payment code transaction process, wherein the transaction processing request includes the transaction payment information.

[0051] In a fourth aspect, the present application provides a transaction device, the device comprising:

[0052] A first acquisition module, configured to acquire a payment code from a payment application server in response to a user's payment operation;

[0053] A second acquisition module, configured to generate a temporary bank card corresponding to the payment code according to the digital content of the payment code;

[0054] The transaction module is used to use the temporary bank card to perform contactless payment transactions with a card swiping terminal.

[0055] In a fifth aspect, the present application provides a transaction device, the device comprising:

[0056] A first sending module, used to send a payment code to a payment application client;

[0057] A receiving module, configured to receive an initial temporary bank card number application request sent by a payment application; the application request carries the digital content of the payment code;

[0058] The acquisition module is used to apply for a temporary bank card number from the card organization transaction system;

[0059] A second sending module is used to send the temporary bank card number to the payment application client, so that the payment application client generates a temporary bank card based on the temporary bank card number, and uses the temporary bank card to perform payment transactions with a card swiping terminal;

[0060] The storage module is used to record the mapping relationship between the temporary bank card number and the digital content.

[0061] In a sixth aspect, the present application provides a transaction device, the device comprising:

[0062] A first receiving module, used to receive a temporary bank card number application request corresponding to a payment code sent by a payment application server;

[0063] A first sending module, configured to send the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client, and the temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with a card swiping terminal;

[0064] A second receiving module is used to receive an initial transaction processing request sent by the card swiping terminal after performing a contactless payment transaction with the payment application client based on the temporary bank card, wherein the initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number;

[0065] A processing module, configured to generate a transaction processing request based on the initial transaction processing request;

[0066] The second sending module is used to send the generated transaction processing request to the payment application server, so that the payment application server completes the payment transaction using the payment code transaction process, and the transaction processing request includes the transaction payment information.

[0067] In a seventh aspect, the present application provides an electronic device, the electronic device comprising: a processor, and a memory communicatively connected to the processor;

[0068] The memory stores computer-executable instructions;

[0069] The processor executes the computer-executable instructions stored in the memory to implement the method as described in any one of the first aspect, or any one of the second aspect, or the third aspect.

[0070] In an eighth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer execution instructions, and when the computer execution instructions are executed by a processor, they are used to implement the method described in any one of the first aspect, or any one of the second aspect, or any one of the third aspect.

[0071] In a ninth aspect, the present application provides a computer program product, comprising a computer program, which, when executed by a processor, implements the method described in any one of the first aspect, or any one of the second aspect, or any one of the third aspect.

[0072] In a tenth aspect, the present application provides a transaction payment architecture, the transaction payment architecture comprising: a payment application system, a card organization transaction system, a card swiping terminal, and a bank system; the payment application system comprises a payment application client and a payment application server;

[0073] The payment application client is respectively connected to the payment application server and the card swiping terminal in communication, and the card organization transaction system is respectively connected to the card swiping terminal, the bank system and the payment application server in communication;

[0074] The payment application client is used to execute the method according to any one of the first aspects of the claim;

[0075] The payment application server is used to execute the method according to any one of the second aspects of the claim;

[0076] The card organization transaction system is used to execute the method according to the third aspect of claim 1.

[0077] The transaction method, device, electronic device, storage medium, program product and payment architecture provided by the present application can generate a temporary bank card corresponding to the payment code through the payment code, and complete the payment transaction through the temporary bank card on a card swiping terminal that only has the card swiping capability. Users who are accustomed to using code scanning payment can use the payment code to complete the card swiping payment in the payment scenario that only supports card swiping payment, which improves the payment efficiency and thus enhances the user's payment experience. Temporary bank cards are time-sensitive, which reduces the risk of information leakage and fraudulent swiping and improves payment security. BRIEF DESCRIPTION OF THE DRAWINGS

[0078] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0079] Figure 1 This is a transaction architecture diagram for card payment;

[0080] Figure 2 This is a transaction architecture diagram for scanning code payment;

[0081] Figure 3 This is a transaction architecture diagram for NFC payment;

[0082] Figure 4 A transaction payment architecture diagram provided for an embodiment of the present application;

[0083] Figure 5 A flowchart of a transaction method provided in an embodiment of the present application;

[0084] Figure 6 A flowchart of a method for generating a temporary bank card corresponding to a payment code provided in an embodiment of the present application;

[0085] Figure 7 A flowchart of a transaction process of converting a payment code to a temporary bank card through interface changes provided in an embodiment of the present application;

[0086] Figure 8 A flowchart of a transaction method for converting a payment code to a temporary bank card provided in an embodiment of the present application;

[0087] Fig. 9 A schematic diagram of the structure of a transaction device provided in an embodiment of the present application;

[0088] Fig.10 A schematic diagram of the structure of a transaction device provided in an embodiment of the present application;

[0089] Fig.11 A schematic diagram of the structure of a transaction device provided in an embodiment of the present application;

[0090] Fig.12 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0091] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0092] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0093] Commonly used mobile payment methods include QR code payment and card payment, which use electronic devices such as smartphones and card terminals to achieve fast and secure payment transactions.

[0094] The following is an explanation of QR code payment and card payment.

[0095] (I) Card payment

[0096] Card payment refers to the process of using a bank card to make a transaction on a card terminal. A card terminal is a device used to process bank card transactions so that users can make bank card payments. The main function of a card terminal is to read the bank card information and transmit it securely to the payment processor to complete the transaction.

[0097] Card swiping terminals can be divided into two types. One is a card swiping terminal with NFC, such as a point of sale (POS) terminal with Near Field Communication (NFC). The other is a card swiping terminal without NFC, such as a traditional magnetic stripe card swiping terminal. NFC is a short-range wireless communication technology that allows the card swiping terminal to communicate with the bank card in contact or at a close distance without contact, so as to complete the exchange of transaction information.

[0098] Figure 1 This is a transaction architecture diagram for card payment. Figure 1 The architecture diagram shown in the figure provides an example of how to implement card payment through a card terminal. Figure 1 As shown in the figure, the transaction architecture includes: card swiping terminal, card organization transaction system and bank system. Figure 1 The card swiping terminal may be a card swiping terminal with NFC or a card swiping terminal without NFC, as long as it can realize bank card swiping payment.

[0099] Among them, the card organization transaction system is a transaction system responsible for managing and coordinating the processing, clearing and settlement of bank card transactions. The bank system is the transaction system of the issuing bank of the bank card, which is used to process various bank card-related transactions. The card swiping terminal, the card organization transaction system and the bank system are connected through the network to realize the transmission of transaction information. Card payment mainly includes the following steps:

[0100] (1) After the user places the bank card close to the card swiping terminal, the card swiping terminal reads the card information according to the financial transaction specifications and completes the transaction message assembly according to the existing transaction process.

[0101] Among them, financial transaction specifications are the standards for exchanging electronic information in financial transactions. They define the message format and communication process, enabling standardized financial transaction data exchange between different financial systems.

[0102] (2) The card swiping terminal sends the transaction message to the card organization transaction system. After receiving the bank card transaction message, the card organization transaction system processes the relevant transaction message according to the bank card transaction rules and logic.

[0103] (3) The card organization transaction system sends a transaction request and transaction information to the bank system.

[0104] (4) After receiving the transaction request, the bank system verifies the transaction information and completes the transaction authorization according to the transaction process to complete the transaction payment.

[0105] (II) Scan QR code to pay

[0106] Scan code payment refers to a payment method in which merchants use a scanning device to scan the user's payment code to complete the payment. Among them, the scanning device is a device used to read and interpret the payment code, for example, it can be any device that can realize scanning code payment, such as a handheld barcode scanning gun. The payment code refers to the code used to complete the payment transaction. The payment code includes a QR code, a barcode, and digital content. The digital content of the payment code usually contains an identifier, which is used to identify the user's payment account, securely associate the user's payment account information and authorize the transaction.

[0107] Figure 2 This is a transaction architecture diagram for scanning code payment. Figure 2 The architecture diagram shown in the figure provides an example of how to implement QR code payment. Figure 2 As shown, the transaction architecture includes: electronic device, payment application client, code scanning device, payment application server, card organization transaction system and bank system.

[0108] The electronic device may be any smart device with a payment application client installed, which is used to process payment transactions, manage the user's payment account, and provide other payment-related services. The payment application client may be, for example, any application client capable of implementing payment, such as a bank payment application or a third-party payment application.

[0109] For the convenience of description in the following embodiments, the electronic device installed with the payment application client is referred to as the payment application client for short, and the two have the same meanings, which will not be described in detail.

[0110] The payment application server is responsible for responding to payment requests, processing payment transactions, managing user accounts and ensuring transaction security, and is usually located in the cloud and / or edge. Scan code payment mainly includes the following steps:

[0111] (1) The user opens the payment application client in the electronic device, and the payment application client obtains the payment code containing the user's payment information.

[0112] (2) The merchant uses a scanning device to scan the user’s payment code.

[0113] (3) The scanning device reads the transaction information in the payment code, and the merchant confirms the transaction information.

[0114] (4) The scanning device sends the transaction request to the payment application server for transaction processing.

[0115] (5) User account information and transaction details on the payment application server. When the scan code payment uses the bound bank card for payment, the payment application server will initiate a payment transaction request to the card organization transaction system, and the card organization transaction system will obtain payment authorization information from the bank system. The card organization transaction system will feedback the payment transaction results to the payment application server. When the scan code payment uses the payment account balance for payment, the payment application server is responsible for processing the transaction request.

[0116] (6) After verification, the user and the merchant receive confirmation that the payment is successful.

[0117] Among them, when scanning code payment, if the payment code of the bank payment application is used for payment, the corresponding payment amount will be deducted mainly through the bound bank card, and the code scanning device will send the transaction request to the bank payment payable service end for transaction request processing. The subsequent transaction process of the bank payment payable service end is as above, which will not be repeated. If the payment code of a third-party payment application is used for payment, the corresponding payment amount will be deducted through the payment account balance and / or the bound bank card. The code scanning device will send the transaction request to the payment application service end according to the transaction situation. The subsequent transaction process of the payment payable service end is as above, which will not be repeated.

[0118] At present, more and more users are accustomed to using QR code payment. Therefore, for payment scenarios that only support card payment, it causes certain inconvenience to users.

[0119] A card swiping terminal that supports NFC payment can wirelessly communicate with a bank card through near field communication technology to complete the transaction payment. The near field communication supports contact or non-contact between the card swiping terminal and the bank card, so this payment method can also be called a contactless payment transaction.

[0120] Currently, users can use real bank cards and NFC payment-supported card terminals to conduct contactless payment transactions, or use card emulation technology on their electronic devices to simulate bank cards, so that users can use electronic devices to interact with NFC-enabled card terminals for payment. In this implementation, users need to install an NFC payment application client on their electronic devices, bind their bank card information to the NFC payment application client, and complete NFC payment preparations by performing necessary identity authentication.

[0121] The electronic device is a device with NFC function on the user side, which can receive, process and verify payment information. For example, it can be any electronic device such as a smart phone that can install an NFC payment application client and has NFC function. The card swiping terminal refers to the above-mentioned card swiping terminal with NFC.

[0122] Figure 3 This is a transaction architecture diagram of NFC payment. Figure 3 The architecture diagram shown in the figure provides an example of how to use the card emulation mode for NFC payment. Figure 3 As shown in the figure, the transaction architecture includes: electronic equipment, card swiping terminal, card organization transaction system and bank system. The card organization transaction system and bank system have the same functions as the above systems, so they are not described here. NFC payment mainly includes the following steps:

[0123] (1) The user ensures that the NFC function of the electronic device is turned on.

[0124] (2) The user places the electronic device close to the card swiping terminal.

[0125] (3) The electronic device sends payment information to the card swiping terminal via NFC, where the payment information usually includes a dynamically generated transaction token, device identification code, etc.

[0126] (4) The card swiping terminal reads the card information according to the financial transaction specifications and completes the transaction message assembly according to the existing transaction process.

[0127] Among them, financial transaction specifications are the standards for exchanging electronic information in financial transactions. They define the message format and communication process, enabling standardized financial transaction data exchange between different systems.

[0128] (5) The card swiping terminal sends the transaction message to the card organization transaction system. After receiving the bank card transaction message, the card organization transaction system processes the relevant transaction message according to the bank card transaction rules and logic.

[0129] (6) The card organization transaction system sends a transaction request and transaction information to the bank system.

[0130] (7) After receiving the transaction request, the bank system verifies the transaction information and completes the transaction authorization according to the transaction process.

[0131] The above-mentioned payment method of using NFC card emulation mode for NFC payment provides users with a convenient payment experience. However, using this payment method requires users to complete the preparation operations of installing the NFC payment application client on their mobile phones in advance and binding their bank card information to the NFC payment application client before they can make NFC payment, which causes users to give up using NFC payment due to the complicated preparation process.

[0132] In view of this, the present application provides a transaction method, which uses the card simulation mode in NFC to complete the payment transaction between the electronic device and the card swiping terminal by simulating the payment code as a temporary bank card. The method provided by the present application enables users who are accustomed to using code scanning payment to use the payment code to complete the card swiping payment in the payment scenario that only supports card swiping payment, thereby improving the payment efficiency and thus improving the user's payment experience. At the same time, compared with the existing payment method of using the NFC card simulation mode for NFC payment, the method provided by the present application allows users to complete the payment transaction between the electronic device and the card swiping terminal without installing the NFC payment application client.

[0133] The method provided in the embodiment of the present application can be applied to any electronic device that can implement QR code payment. The electronic device in the embodiment of the present application can refer to a smart phone, a tablet computer, etc., and the embodiment of the present application is not limited to this.

[0134] As an example but not limitation, in the embodiments of the present application, the electronic device may also be a wearable device. Wearable devices may also be referred to as wearable smart devices, which are a general term for wearable devices that are intelligently designed and developed using wearable technology for daily wear, such as glasses, gloves, watches, clothing, and shoes. A wearable device is a portable device that is worn directly on the body or integrated into the user's clothes or accessories. Wearable devices are not only hardware devices, but also powerful functions achieved through software support, data interaction, and cloud interaction. Broadly speaking, wearable smart devices include full-featured, large-sized, and fully or partially independent of smartphones, such as smart watches or smart glasses, as well as devices that only focus on a certain type of application function and need to be used in conjunction with other devices such as smartphones, such as various types of smart bracelets and smart jewelry for vital sign monitoring.

[0135] The following is a detailed description of the method provided in the embodiments of the present application. The following specific embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.

[0136] Figure 4 A transaction payment architecture diagram provided in an embodiment of the present application is shown below in combination with Figure 4 The transaction payment architecture diagram shown in the figure is an example of how to implement the transaction method of this application. Figure 4 As shown, the transaction architecture includes: electronic equipment, payment application server, card swiping terminal, card organization transaction system and bank system. The equipment, terminal and system in this architecture have the same functions as the above equipment, terminal and system, and will not be repeated here.

[0137] Figure 5 A flow chart of a transaction method provided in an embodiment of the present application. Figure 5As shown, the execution subject of this embodiment is the electronic device mentioned above, and the method includes the following steps:

[0138] S501. In response to a user's payment operation, obtain a payment code from a payment application server.

[0139] The payment operation is the process of a user initiating a payment request.

[0140] For example, the user opens a payment application client in the electronic device and selects scan code payment in the payment application client, wherein the payment application client may be, for example, a client of a bank payment application or a third-party payment application.

[0141] For another example, a user uses a voice assistant of an electronic device to request a payment code. The user says "generate a payment code" or "I want to pay". The voice assistant of the electronic device sends a payment request to the payment application client, and selects scan code payment in the payment application client.

[0142] For another example, the user may click a button on the electronic device, which may directly open the payment application client, and select scan code payment in the payment application client.

[0143] In response to the user's payment operation, the payment application client obtains the payment code from the payment application server.

[0144] Exemplarily, the payment application client sends a payment request to the payment application server, which processes the payment request and generates a payment code, which automatically pops up on the user's electronic device screen.

[0145] S502: Generate a temporary bank card corresponding to the payment code according to the digital content of the payment code.

[0146] A temporary bank card is a payment card valid for a short period of time. It has a time limit and will automatically become invalid after a set period. For example, a temporary bank card can be used repeatedly within a few minutes of being generated, or it can be used only once, and a new temporary bank card will be generated each time a payment is made. This embodiment does not restrict the setting period and setting method of the temporary bank card.

[0147] For example, first, the payment application client can obtain a temporary bank card number corresponding to the payment code according to the digital content of the payment code. Then, the payment application client can use the temporary bank card number to generate a temporary bank card.

[0148] Among them, the temporary bank card number is the number required when generating a temporary bank card. The temporary bank card number is consistent with the card number of the actual bank card. It can be a real bank card number from any bank system or a simulated card number.

[0149] For the method of obtaining a temporary bank card number, exemplarily, the payment application client sends a temporary bank card number application request to the payment application server, wherein the application request carries the digital content of the payment code. After receiving the application request, the payment application server can apply for a temporary bank card number from the card organization transaction system, so that the card organization transaction system sends the allocated temporary bank card number to the payment application server. After receiving the allocated temporary bank card number, the payment application server sends the temporary bank card number to the payment application client.

[0150] For example, the payment application client of the electronic device may send a temporary bank card number application request to the payment application server with the digital content of the payment code, and the payment application server may find the temporary bank card number corresponding to the digital content of the payment code from the temporary bank card number database. The temporary bank card number database may be pre-set by the developer, or applied for in advance from the card organization transaction system, and the database may provide the temporary bank card number corresponding to the digital content of the payment code according to the mapping relationship between the temporary bank card number and the digital content.

[0151] For another example, the payment application client of the electronic device sends a temporary bank card number application request to the payment application server with the digital content of the payment code, and the payment application server randomly generates a temporary bank card number according to the card number standard of the temporary bank card number. The card number standard is the standard specification of the bank card number in financial transactions.

[0152] For another example, the user may copy the digital content of the payment code of the electronic device payment application client, and input the digital content of the payment code into the temporary bank card number generation application client, which generates a temporary bank card number.

[0153] When the temporary bank card number is not allocated in real time by the card organization transaction system, the temporary bank card number can be synchronized to the card organization transaction system through the payment application server to ensure subsequent transaction payments.

[0154] After obtaining the temporary bank card number, the payment application client can use the temporary bank card number to generate a temporary bank card in the following ways:

[0155] For example, the payment application client uses the temporary bank card number to create a host card emulation (HCE) application in accordance with the electronic bank card specification, that is, to generate a temporary bank card. The electronic bank card specification is the financial policy, regulations and guidelines in financial transactions.

[0156] HCE applications enable electronic devices to simulate the functions of physical bank cards through software, so that electronic devices can use temporary bank cards for card payments without relying on physical security elements. Among them, HCE applications contain temporary bank card information and bank card transaction interfaces. Temporary bank card information includes temporary bank card numbers and other information. For example, temporary bank card information can be information containing temporary bank card primary account numbers, track data, and integrated circuit (IC) card data. Bank card transaction interfaces refer to technologies and protocols used to process bank card payment transactions. These interfaces allow secure data exchange between different systems and devices.

[0157] The function of creating an HCE application can be implemented by the payment application client calling other application interfaces on the electronic device that can realize the creation of HCE applications, or it can be a built-in function of the payment application client, or it can be implemented by the payment application client calling a small program through an interface. There is no limitation on this.

[0158] S503: Use the temporary bank card and the card swiping terminal to perform a contactless payment transaction.

[0159] The contactless payment transaction is a close-range transaction payment method, for example, it can be the NFC payment mentioned above, which will not be described in detail.

[0160] Before using the temporary bank card to conduct a contactless payment transaction with the card swiping terminal, the following operations may also be performed:

[0161] Exemplarily, after the temporary bank card is generated, a first prompt message is output on a payment interface of a payment application client, wherein the first prompt message is used to prompt the user to perform a payment transaction with a card swiping terminal.

[0162] For example, after a temporary bank card is generated, the payment application client pops up a prompt box, prompting the user to place the electronic device close to the card swiping terminal.

[0163] For another example, after a temporary bank card is generated, the electronic device emits a prompt sound, prompting the user to bring the electronic device close to the card swiping terminal.

[0164] For another example, after the temporary bank card is generated, the electronic device can also generate a demonstration animation to prompt the user that the temporary bank card has been generated and to place the electronic device close to the card swiping terminal.

[0165] After the temporary bank card conducts a contactless payment transaction with the card swiping terminal. It may also include:

[0166] Exemplarily, the payment application client outputs a second prompt message on the payment interface to prompt the completion status of the payment transaction.

[0167] For example, the electronic device may emit a payment reminder sound to indicate the payment transaction result.

[0168] The transaction method provided in the embodiment of the present application allows users to generate a temporary bank card corresponding to the payment code through the payment code, and complete the payment transaction through the temporary bank card on a card swiping terminal that only has the card swiping capability. This method enables users who are accustomed to using code scanning payment to use the payment code to complete card swiping payment in payment scenarios that only support card swiping payment, thereby improving payment efficiency and thus enhancing the user's payment experience. Temporary bank cards are time-sensitive, reducing the risk of information leakage and fraudulent swiping, and improving payment security.

[0169] The following describes how to determine the method for generating a temporary bank card.

[0170] The first method: The user triggers the payment application client to execute an operation to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0171] For example, in response to the user's operation on the payment code interface, the payment application client generates a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0172] Exemplarily, the payment code interface is provided with a control, and the user can click the control to trigger the payment application client to execute an operation of generating a temporary bank card corresponding to the payment code according to the digital content of the payment code.

[0173] The control may be, for example, a button control or a voice input control. When it is a voice input control, the user can trigger the payment application client to generate a temporary bank card corresponding to the payment code according to the digital content of the payment code by voice input.

[0174] It should be understood that this embodiment does not limit the location of the control in the payment code interface, nor does it limit the form of expression.

[0175] This method optimizes the user experience by flexibly triggering the payment application client, allowing users to easily and quickly trigger the operation of generating a temporary bank card corresponding to the payment code.

[0176] The second method: the payment application client triggers the execution of an operation based on the digital content of the payment code according to the payment environment to generate a temporary bank card corresponding to the payment code.

[0177] For example, the payment application client determines the target area based on its location data, and determines the target payment method based on the payment method in the target area. If the target payment method is a payment method using a bank card, the payment application client generates a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0178] The location data of the payment application client refers to the geographical location information of the payment application server obtained through the positioning function of the electronic device. The location data can be, for example, the area, street, or point of interest (POI) where the user is located, or any other method that can determine the area.

[0179] Exemplarily, the payment application client pre-stores a mapping relationship between payment methods in different target areas. Therefore, the payment application client can determine the area where it is located based on its current location data, and then search for the payment method corresponding to the area from the mapping relationship based on the area where it is located. Alternatively, the payment application client can send the location data to the payment application server, and the server will perform operations to determine the target area and the payment method based on the location data, and feedback to the client. As for how the server obtains the payment method, there is no limitation. It can be determined by itself using the aforementioned payment application client to determine the payment method, or it can be obtained by interacting with the card organization transaction system.

[0180] For another example, the payment application client can identify whether there is a card swiping terminal within a preset range. When there is a card swiping terminal, an inquiry message is output, the inquiry message is used to inquire whether the user adopts the bank card payment method, and in response to the user inputting a confirmation instruction to adopt the bank card payment method based on the inquiry message, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0181] The preset range refers to the area that the payment application client can detect through technical means. The technical means can be any technical means that can enable the payment application client to detect, such as NFC, image recognition, etc. The inquiry information is the information output by the payment application client when it recognizes the card swiping terminal, which is used to inquire whether the user uses the bank card payment method.

[0182] For example, when the payment application client obtains the payment code from the payment application server, it collects images around the client and uses image recognition technology to determine whether there is a card swiping terminal within its preset range. For how to use image recognition technology to identify whether there is a card swiping terminal, please refer to the prior art, which will not be described in detail.

[0183] For example, the payment application client can also automatically identify whether there is a card swiping terminal within its preset range through NFC technology. For example, when the user brings the payment application client close to the card swiping terminal, the payment application client can identify the card swiping terminal through the NFC signal of the card swiping terminal.

[0184] For example, the electronic device may pop up a message box when recognizing a card swiping terminal. In response to a confirmation instruction of the user inputting a bank card payment method based on the inquiry information, an operation of generating a temporary bank card corresponding to the payment code is executed according to the digital content of the payment code.

[0185] The method uses a payment application client to intelligently trigger operations according to the payment environment, and executes an operation to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code, thereby greatly improving the convenience and security of the payment experience.

[0186] The third method: The user triggers the control that opens the payment application server and executes the operation of generating a temporary bank card corresponding to the payment code.

[0187] For example, in response to the user's operation on the application interface of the electronic device, a control of the payment application server is triggered to open, and an operation of generating a temporary bank card corresponding to the payment code is executed.

[0188] The control may be a touch control or a voice input control. A touch control refers to a clickable, touchable, and inputtable component in an electronic device application interface, such as a button, input box, selection box, etc. For a voice input control, a user can trigger the opening of a payment application server and generate a temporary bank card corresponding to a payment code by voice input.

[0189] Exemplarily, the user triggers a control button to open the payment application server and executes an operation to generate a temporary bank card corresponding to the payment code.

[0190] For example, the user can also trigger the voice input control and trigger the operation of generating a temporary bank card corresponding to the payment code through voice input.

[0191] The method executes the operation of generating a temporary bank card corresponding to the payment code through the control of the electronic device interface, simplifies the payment process, reduces the complexity of user operation, and thus improves the user experience.

[0192] The following is an example of how to generate a temporary bank card corresponding to a payment code based on the digital content of the payment code, using the temporary bank card number to generate a temporary bank card. Figure 6 A flow chart of a method for generating a temporary bank card corresponding to a payment code provided in an embodiment of the present application. Figure 6 The method may, for example, include the following steps:

[0193] S601. The payment application client sends a temporary bank card number application request to the payment application server, where the application request carries digital content.

[0194] Exemplarily, the payment application client sends a temporary bank card number application request to the payment application server, wherein the application request carries the digital content of the payment code. Correspondingly, the payment application server receives the temporary bank card number application request.

[0195] S602: The payment application server applies for a temporary bank card number from the card organization's transaction system.

[0196] The payment application server carries the digital content of the payment code and applies for a temporary bank card number from the card organization's transaction system.

[0197] Exemplarily, the card organization transaction system receives a temporary bank card number application request corresponding to the payment code sent by the payment application server, generates a temporary bank card number according to the digital content of the payment code carried by the payment application server and the temporary bank card number generation rules, and sends the allocated temporary bank card number to the payment application server.

[0198] For example, the card organization transaction system may receive a temporary bank card number application request corresponding to the payment code sent by the payment application server, and the card organization transaction system may find the temporary bank card number corresponding to the digital content of the payment code from the temporary bank card number database. The temporary bank card number database may be pre-set by the developer, and the database may provide the temporary bank card number corresponding to the digital content of the payment code according to the mapping relationship between the temporary bank card number and the digital content.

[0199] For another example, the card organization transaction system receives a temporary bank card number application request corresponding to the payment code sent by the payment application server, and the card organization transaction system randomly generates a temporary bank card number according to the card number standard of the temporary bank card number. The card number standard is the standard specification of the bank card number in financial transactions.

[0200] The card organization transaction system can record the mapping relationship between the temporary bank card number and the payment application server.

[0201] S603: The payment application server sends a temporary bank card number to the payment application client.

[0202] Correspondingly, the payment application client receives the temporary bank card number.

[0203] S604: The payment application client generates a temporary bank card using the temporary bank card number.

[0204] For example, the payment application client uses the temporary bank card number to create an HCE application in accordance with the electronic bank card specification. The HCE application contains the temporary bank card information and the bank card transaction interface. The temporary bank card information may include the temporary bank card number.

[0205] For another example, a temporary bank card application client is set on the electronic device, the temporary bank card number is input into the temporary bank card application client, and the user selects the "Create Temporary Bank Card" option of the temporary bank card application client. The temporary bank card application client generates a temporary bank card.

[0206] The method for generating a temporary bank card provided in the embodiment of the present application allows a user to obtain a temporary bank card number corresponding to a payment code through a payment code, and generate a temporary bank card based on the temporary bank card number. In this implementation, the user does not need to install a special NFC payment application client in an electronic device, nor does he need to bind bank card information additionally, and a temporary bank card can be generated through a payment code. This simplifies the steps for creating a temporary bank card, reduces the complexity of user operations, and improves the user experience.

[0207] The following takes the method in which a user uses a temporary bank card and a card swiping terminal to perform a contactless payment transaction as an example to illustrate how to use a temporary bank card and a card swiping terminal to perform a contactless payment transaction.

[0208] The embodiment of the present application provides a method for contactless payment transactions using a temporary bank card and a card swiping terminal, and contactless payment transactions are performed using a temporary bank card and a card swiping terminal. For ease of understanding, the following embodiments are described from the perspective of HCE applications. It should be understood that the contents executed by the HCE application are all operations implemented by the electronic device running the HCE application. In addition, if the HCE application is an application independent of the payment application client, it can be an operation implemented by the electronic device calling the HCE application through the payment application client. If the HCE application is an application integrated in the payment application client, it can also be regarded as an operation implemented by the electronic device through the payment application client.

[0209] Furthermore, the interaction between the card swiping terminal and the electronic device is achieved through NFC technology, which will not be described in detail.

[0210] For example, the following steps may be included:

[0211] (1) The HCE application approaches the card swiping terminal, and the card swiping terminal sends a transaction request command to the HCE application.

[0212] The transaction request command may be, for example, an Application Protocol Data Unit (APDU) command or any other command that requests temporary bank card information and transaction authentication. The APDU command is the basic unit of communication between a bank card and a card swiping terminal, and is used to perform various operations such as reading data, writing data, and verifying identity.

[0213] (2) The HCE application responds to the transaction request command. The HCE application applies to the payment application server through the payment application client to generate a temporary key for the encrypted data used in the transaction.

[0214] Among them, the encrypted data can be, for example, an application cryptogram (AC) or other encrypted data generated in any transaction. Among them, AC is the encrypted data generated by the temporary bank card during the transaction process, which is used to verify the integrity, authenticity and confidentiality of the transaction data, and ensure that the information is not tampered with or leaked during transmission and storage. The HCE application applies to the payment application server through the payment application client to generate a temporary key for the encrypted data used in the transaction, and then encrypts and calculates the temporary bank card content according to the standard algorithm to generate AC. Among them, the standard algorithm is an encryption algorithm suitable for generating application ciphertexts, and the embodiment of the present application does not limit this. AC can be of different types, such as an authorization request password and an authorization response password. The authorization request password is an application password generated by the HCE application, which is used to request the authorization password sent by the HCE application to the card organization transaction system through the card swiping terminal during the transaction. The authorization response password is generated by the bank system and is a response password returned to the payment application server through the card organization transaction system in response to the previous authorization request password. The authorization response password is used to confirm the authorization status of the transaction and ensure the integrity and security of the transaction process.

[0215] (3) The HCE application uses the temporary key to encrypt the temporary bank card content to generate encrypted data.

[0216] (4) The HCE application interacts with the card swiping terminal through the bank card transaction interface and sends temporary bank card information to the card swiping terminal.

[0217] Among them, the temporary bank card information may include information such as the temporary bank card primary account number, track data, and integrated circuit (IC) card data. The temporary bank card information is the information existing in the temporary bank card simulating the physical bank card. The present application is an embodiment and does not limit the type of temporary bank card information. The above-mentioned temporary bank card primary account number is the bank card number of the temporary bank card, which is used to identify the user's account. The track data is the data simulated and stored on the magnetic stripe of the physical bank card, including track 2 data and track 3 data. The track 2 data contains the temporary bank card's primary account number, expiration date, service code, optional data and other data. The track 3 data contains the temporary bank card's primary account number, separator, other account information and other data. The IC card data is the data simulated and stored in the microprocessor chip of the physical bank card. The IC card data contains application ciphertext, card verification results (CVR), application transaction counter (ATC), application identifier (AID) and other data.

[0218] (5) The card swiping terminal reads the temporary bank card information in sequence according to the financial transaction specifications and completes the message encapsulation of the temporary bank card information according to the financial transaction specifications.

[0219] (6) The card swiping terminal sends the message to the card organization's transaction system, which processes the payment transaction according to existing bank card transaction rules and logic.

[0220] (7) The card organization transaction system transmits the temporary bank card information to the payment application server.

[0221] (8) The payment application server performs subsequent processing according to the existing payment code transaction method.

[0222] (9) The payment application server returns the transaction result to the payment application client. The payment application client receives the transaction result and prompts the transaction result.

[0223] The contactless transaction method provided in the embodiment of the present application simplifies the payment process. The user only needs to bring the electronic device close to the card swiping terminal to complete the transaction, eliminating the steps of inserting the card, swiping the card or entering the password. The payment convenience and response speed are greatly improved, making the transaction process faster and increasing the transaction speed.

[0224] The following is a specific example to illustrate how to implement a payment transaction. Figure 7 A flowchart of a transaction process of converting a payment code to a temporary bank card through interface changes provided in an embodiment of the present application. Figure 8A flow chart of a transaction method for converting a payment code to a temporary bank card provided in an embodiment of the present application is shown as follows: Figure 8 As shown, the method may include the following steps:

[0225] S801. The payment application client obtains a payment code from the payment application server in response to a user's payment operation.

[0226] like Figure 7 As shown in a and b, the user's payment operation can be, for example, clicking the payment application client control on the interface to open the payment application client interface, clicking the payment control in the payment application client to open the payment code interface. The above is only an example of the user's payment operation, and the embodiment of the present application does not limit this.

[0227] S802: The payment application client sends an initial temporary bank card number application request to the payment application server, where the application request carries digital content.

[0228] like Figure 7 As shown in c, the operation of the payment application client sending the initial temporary bank card number application request to the payment application server can be, for example, clicking the generate temporary bank card control on the payment code interface. The above is only an example of the operation of the application request, and the embodiment of the present application does not limit this.

[0229] S803: The payment application server sends a temporary bank card number application request to the card organization transaction system.

[0230] S804: The card organization transaction system sends the allocated temporary bank card number to the payment application server.

[0231] Among them, the payment application server records the mapping relationship between the temporary bank card number and the digital content.

[0232] S805. The payment application server sends a temporary bank card number to the payment application client.

[0233] S806. The payment application client uses the temporary bank card number to create an HCE application in accordance with electronic bank card specifications.

[0234] S807: The payment application client outputs a first prompt message on the payment interface, prompting the user to place the electronic device close to the card swiping terminal.

[0235] like Figure 7 As shown in d, the first prompt information outputted by the payment interface may be, for example, a pop-up prompt box asking you to approach the card swiping terminal. The above is only an example of how to implement the output of the first prompt information on the payment interface, and the present application embodiment does not limit this.

[0236] S808: The payment application client uses NFC communication to interact with the card swiping terminal through the HCE application to provide transaction payment information to the card swiping terminal.

[0237] S809. The card swiping terminal sends a message to the card organization's transaction system.

[0238] Among them, the card swiping terminal encapsulates the temporary bank card information into a message according to the financial transaction specifications.

[0239] S810: The card organization transaction system sends a transaction processing request to the payment application server.

[0240] Among them, the card organization transaction system transmits the temporary bank card information to the payment application server.

[0241] S811. The payment application server performs subsequent processing according to the existing payment code transaction method.

[0242] S812: The payment application server returns the transaction result to the payment application client.

[0243] S813: The payment application client outputs a second prompt message to indicate the transaction result.

[0244] like Figure 7 As shown in Figure e, the second prompt information output on the payment interface may be, for example, an interface shown in the pop-up figure. The above is only an example of how to implement the second prompt information output on the payment interface, and the embodiment of the present application does not limit this.

[0245] The transaction method provided in the embodiment of the present application allows users to generate a temporary bank card corresponding to the payment code through the payment code, and complete the payment transaction through the temporary bank card on a card terminal that only has the card swiping capability. This method enables users who are accustomed to using code scanning payment to complete payment in payment scenarios that only support card swiping payment, thereby improving the user's payment experience. In addition, temporary bank cards are time-sensitive, which can reduce the risk of information leakage and stolen swiping and improve payment security. At the same time, users can generate temporary bank cards at any time to adapt to different payment scenarios, which greatly improves payment convenience and response speed, makes the transaction process faster, and improves transaction speed.

[0246] Fig. 9 A schematic diagram of a transaction device provided in an embodiment of the present application is shown in FIG. Fig. 9 As shown, the device includes: a first acquisition module 901, a second acquisition module 902 and a transaction module 903. Optionally, the device may also include a sending module 904, a receiving module 905 and an output module 906, for example.

[0247] The first acquisition module 901 is used to obtain a payment code from a payment application server in response to a user's payment operation.

[0248] The second acquisition module 902 is used to generate a temporary bank card corresponding to the payment code according to the digital content of the payment code.

[0249] The transaction module 903 is used to use a temporary bank card to perform contactless payment transactions with a card swiping terminal.

[0250] Optionally, the second acquisition module 902 is specifically configured to acquire a temporary bank card number corresponding to the payment code according to the digital content; and generate a temporary bank card using the temporary bank card number.

[0251] Exemplarily, the second acquisition module 902 is specifically used to send an initial temporary bank card number application request to the payment application server through the sending module 904, and the application request carries digital content; receive the temporary bank card number returned by the payment application server through the receiving module 905, and the temporary bank card number is applied for by the payment application server from the card organization transaction system.

[0252] Optionally, the second acquisition module 902 is specifically used to use the temporary bank card number to create an HCE application according to the electronic bank card specification. The HCE application contains the temporary bank card information and the bank card transaction interface. The temporary bank card information includes the temporary bank card number.

[0253] Optionally, the transaction module 903 is specifically configured to use NFC communication to interact with the card swiping terminal through the HCE application to provide the card swiping terminal with transaction payment information, wherein the transaction payment information includes a temporary bank card number.

[0254] Optionally, the transaction payment information includes: application ciphertext; the transaction module 903 is further used to obtain a temporary key corresponding to the payment code from the payment application server and generate the application ciphertext using the temporary key.

[0255] Optionally, the second acquisition module 902 is specifically configured to generate a temporary bank card corresponding to the payment code according to the digital content of the payment code in response to the user's operation on the payment code interface.

[0256] Optionally, the second acquisition module 902 is specifically configured to determine the target area where the payment application client is located according to the location data of the payment application client. Determine the target payment method according to the payment method of the target area. If the target payment method is a payment method using a bank card, generate a temporary bank card corresponding to the payment code according to the digital content of the payment code.

[0257] Optionally, the second acquisition module 902 is specifically used to identify whether there is a card swiping terminal within a preset range. When there is a card swiping terminal, an inquiry message is output, and the inquiry message is used to inquire whether the user adopts a bank card payment method. In response to a confirmation instruction of the user to adopt a bank card payment method input based on the inquiry message, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0258] Optionally, the output module 906 is used to output first prompt information on the payment interface before the transaction module 903 uses the temporary bank card to perform a contactless payment transaction with the card swiping terminal, and the first prompt information is used to prompt the user to perform a payment transaction with the card swiping terminal.

[0259] Optionally, the transaction module 903 is further used to output a second prompt message on the payment interface after the temporary bank card is used to perform a contactless payment transaction with the card swiping terminal, and the second prompt message is used to prompt the completion status of the payment transaction.

[0260] The transaction device provided in the embodiment of the present application can be used to execute the action of paying the transaction client in the aforementioned transaction method. Its implementation principle, process and beneficial effects can be found in the aforementioned embodiment and will not be repeated here.

[0261] Fig.10 A schematic diagram of a transaction device provided in an embodiment of the present application is shown in FIG. Fig.10 As shown, the device includes: a first sending module 1001, a receiving module 1002, an acquisition module 1003, a second sending module 1004 and a storage module 1005. Optionally, the device may further include a transaction module 1006, for example.

[0262] The first sending module 1001 is used to send a payment code to a payment application client.

[0263] The receiving module 1002 is used to receive an initial temporary bank card number application request sent by the payment application end. The application request carries digital content of the payment code.

[0264] The acquisition module 1003 is used to apply for a temporary bank card number from the card organization transaction system.

[0265] The second sending module 1004 is used to send the temporary bank card number to the payment application client, so that the payment application client generates a temporary bank card based on the temporary bank card number and uses the temporary bank card to perform payment transactions with the card swiping terminal.

[0266] The storage module 1005 is used to record the mapping relationship between the temporary bank card number and the digital content.

[0267] Optionally, the receiving module 1002 is further used to receive a transaction processing request sent by a card organization transaction system, and the transaction processing request includes: transaction payment information corresponding to the temporary bank card. The transaction payment information includes a temporary bank card number, and the transaction payment information comes from a card swiping terminal that interacts with the payment application client for contactless payment transactions. The acquisition module 1003 is further used to acquire digital content corresponding to the temporary bank card number based on the temporary bank card number. The transaction module 1006 is used to process the transaction processing request using a payment code transaction process to complete the payment transaction.

[0268] The transaction device provided in the embodiment of the present application can be used to execute the actions of the payment transaction service end in the aforementioned transaction method. Its implementation principles, processes and beneficial effects can be found in the aforementioned embodiments and will not be repeated here.

[0269] Fig.11 A schematic diagram of a transaction device provided in an embodiment of the present application is shown in FIG. Fig.11 As shown, the device includes: a first receiving module 1101, a sending module 1102, a second receiving module 1103, a processing module 1104 and a second sending module 1105.

[0270] The first receiving module 1101 is used to receive a temporary bank card number application request corresponding to a payment code sent by a payment application server.

[0271] The first sending module 1102 is used to send the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client, and the temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with a card swiping terminal.

[0272] The second receiving module 1103 is used to receive an initial transaction processing request sent by the card swiping terminal after a contactless payment transaction is performed with the payment application client based on the temporary bank card, wherein the initial transaction processing request includes: transaction payment information corresponding to the temporary bank card, and the transaction payment information includes the temporary bank card number.

[0273] The processing module 1104 is configured to generate a transaction processing request based on the initial transaction processing request.

[0274] The second sending module 1105 is used to send the generated transaction processing request to the payment application server, so that the payment application server completes the payment transaction using the payment code transaction process. The transaction processing request includes transaction payment information.

[0275] The transaction device provided in the embodiment of the present application can be used to execute the actions of the card organization transaction system in the aforementioned transaction method. Its implementation principles, processes and beneficial effects can be found in the aforementioned embodiments and will not be repeated here.

[0276] Fig.12 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Fig.12 As shown, the electronic device 1200 may include: a memory 1201 and a processor 1202. The electronic device may be, for example, the aforementioned smart phone. Optionally, the electronic device may further include a transceiver 1203, wherein the memory 1201 and the processor 1202 communicate; illustratively, the memory 1201, the processor 1202 and the transceiver 1203 may communicate via a communication bus 1204, the memory 1201 is used to store a computer program, and the processor 1202 executes the computer program to implement the method of the above embodiment. The transceiver may be, for example, a CAN transceiver.

[0277] Optionally, the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc. The steps in the method embodiments disclosed in the present application may be directly implemented as being executed by a hardware processor, or may be implemented by a combination of hardware and software modules in the processor.

[0278] An embodiment of the present application further provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, a method in any of the above method embodiments is implemented.

[0279] An embodiment of the present application also provides a computer program product, including a computer program, which implements the method in any of the above method embodiments when the computer program is executed by a processor.

[0280] The present application also provides a Figure 4 The transaction payment architecture shown in FIG. 1 includes: a payment application system, a card organization transaction system, a card swiping terminal, and a bank system. The payment application system includes a payment application client and a payment application server.

[0281] The payment application client is respectively connected to the payment application server and the card swiping terminal in communication, and the card organization transaction system is respectively connected to the card swiping terminal, the bank system and the payment application server in communication.

[0282] The payment application client is used to perform the actions described in the above method embodiment. The payment application server is used to perform the actions described in the above method embodiment. The card organization transaction system is used to perform the actions described in the above method embodiment.

[0283] All or part of the steps of the above-mentioned method embodiments can be completed by hardware related to program instructions. The above-mentioned program can be stored in a readable memory. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the above-mentioned memory (storage medium) includes: read-only memory (ROM), RAM, flash memory, hard disk, solid state drive, magnetic tape, floppy disk, optical disc and any combination thereof.

[0284] The embodiments of the present application are described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processing unit of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processing unit 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.

[0285] 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.

[0286] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0287] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0288] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A trading method, characterized in that: The method comprises: In response to the user's payment operation, obtaining a payment code from the payment application server; Generating a temporary bank card corresponding to the payment code according to the digital content of the payment code; The temporary bank card is used to conduct contactless payment transactions with a card swiping terminal.

2. The method according to claim 1, characterized in that The step of generating a temporary bank card corresponding to the payment code according to the digital content includes: According to the digital content, obtaining a temporary bank card number corresponding to the payment code; Use the temporary bank card number to generate a temporary bank card.

3. The method according to claim 2, characterized in that The step of obtaining a temporary bank card number corresponding to the payment code according to the digital content includes: Sending an initial temporary bank card number application request to the payment application server, wherein the application request carries the digital content; Receive the temporary bank card number returned by the payment application server, where the temporary bank card number is applied for by the payment application server from the card organization transaction system.

4. The method according to claim 2, characterized in that: The step of using the temporary bank card number to generate a temporary bank card includes: Using the temporary bank card number, create an HCE application in accordance with the electronic bank card specification; the HCE application contains the information of the temporary bank card and the transaction interface of the bank card; the information of the temporary bank card includes the temporary bank card number.

5. The method according to claim 4, characterized in that The method of using the temporary bank card to conduct a contactless payment transaction with a card swiping terminal includes: The HCE application interacts with the card swiping terminal by using NFC communication to provide the card swiping terminal with transaction payment information; the transaction payment information includes a temporary bank card number.

6. The method according to claim 5, characterized in that The transaction payment information includes: application ciphertext; the method further includes: Obtaining a temporary key corresponding to the payment code from the payment application server; The application ciphertext is generated using the temporary key.

7. The method according to any one of claims 1 to 6, characterized in that: The step of generating a temporary bank card corresponding to the payment code according to the digital content of the payment code comprises: In response to the user's operation on the payment code interface, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

8. The method according to any one of claims 1 to 6, characterized in that: The step of generating a temporary bank card corresponding to the payment code according to the digital content of the payment code comprises: Determining a target area where the payment application client is located according to the location data of the payment application client; Determining a target payment method according to the payment method of the target area; In the case where the target payment method is a payment method using a bank card, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

9. The method according to any one of claims 1 to 6, characterized in that: The step of generating a temporary bank card corresponding to the payment code according to the digital content of the payment code comprises: Identify whether there is a card swiping terminal within the preset range; When there is a card swiping terminal, output inquiry information, which is used to inquire whether the user adopts a bank card payment method; In response to a confirmation instruction input by the user based on the inquiry information to adopt a bank card payment method, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

10. The method according to any one of claims 1 to 6, characterized in that: Before using the temporary bank card to conduct a contactless payment transaction with a card swiping terminal, the method further includes: The first prompt information is output on the payment interface, where the first prompt information is used to prompt the user to perform a payment transaction with the card swiping terminal.

11. The method according to any one of claims 1 to 6, characterized in that: After the temporary bank card is used to conduct a contactless payment transaction with a card swiping terminal, the method further includes: A second prompt message is output on the payment interface, where the second prompt message is used to prompt the completion status of the payment transaction.

12. A transaction method, characterized in that: The method comprises: Send the payment code to the payment application client; Receiving an initial temporary bank card number application request sent by a payment application; the application request carries the digital content of the payment code; Apply for a temporary bank card number from the card organization's transaction system; Sending the temporary bank card number to the payment application client, so that the payment application client generates a temporary bank card based on the temporary bank card number, and uses the temporary bank card to perform payment transactions with a card swiping terminal; The mapping relationship between the temporary bank card number and the digital content is recorded.

13. The method according to claim 12, characterized in that The method further comprises: Receive a transaction processing request sent by a card organization transaction system, the transaction processing request including: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number, and the transaction payment information comes from a card swiping terminal that interacts with the payment application client for a contactless payment transaction; Based on the temporary bank card number, obtaining the digital content corresponding to the temporary bank card number; The transaction processing request is processed using a payment code transaction process to complete the payment transaction.

14. A transaction method, characterized in that: The method comprises: Receive a temporary bank card number application request corresponding to the payment code sent by the payment application server; Sending the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client, and the temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with a card swiping terminal; Receiving an initial transaction processing request sent by the card swiping terminal after conducting a contactless payment transaction with the payment application client based on the temporary bank card, the initial transaction processing request including: transaction payment information corresponding to the temporary bank card; the transaction payment information including the temporary bank card number; A transaction processing request is generated based on the initial transaction processing request and sent to the payment application server so that the payment application server completes the payment transaction using a payment code transaction process, wherein the transaction processing request includes the transaction payment information.

15. A transaction device, characterized in that: The device comprises: A first acquisition module, configured to acquire a payment code from a payment application server in response to a user's payment operation; A second acquisition module, configured to generate a temporary bank card corresponding to the payment code according to the digital content of the payment code; The transaction module is used to use the temporary bank card to perform contactless payment transactions with a card swiping terminal.

16. A transaction device, characterized in that: The device comprises: A first sending module, used to send a payment code to a payment application client; A receiving module, configured to receive an initial temporary bank card number application request sent by a payment application; the application request carries the digital content of the payment code; The acquisition module is used to apply for a temporary bank card number from the card organization transaction system; A second sending module is used to send the temporary bank card number to the payment application client, so that the payment application client generates a temporary bank card based on the temporary bank card number, and uses the temporary bank card to perform payment transactions with a card swiping terminal; The storage module is used to record the mapping relationship between the temporary bank card number and the digital content.

17. A transaction device, characterized in that: The device comprises: A first receiving module, used to receive a temporary bank card number application request corresponding to a payment code sent by a payment application server; A first sending module, configured to send the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client, and the temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with a card swiping terminal; A second receiving module is used to receive an initial transaction processing request sent by the card swiping terminal after performing a contactless payment transaction with the payment application client based on the temporary bank card, wherein the initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number; A processing module, configured to generate a transaction processing request based on the initial transaction processing request; The second sending module is used to send the generated transaction processing request to the payment application server, so that the payment application server completes the payment transaction using the payment code transaction process, and the transaction processing request includes the transaction payment information.

18. An electronic device, characterized in that: The electronic device comprises: a processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 14.

19. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 14 when executed by a processor.

20. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 14 when being executed by a processor.

21. A transaction payment architecture, characterized in that: The transaction payment architecture includes: a payment application system, a card organization transaction system, a card swiping terminal, and a bank system; the payment application system includes a payment application client and a payment application server; The payment application client is respectively connected to the payment application server and the card swiping terminal in communication, and the card organization transaction system is respectively connected to the card swiping terminal, the bank system and the payment application server in communication; The payment application client is used to execute the method according to any one of claims 1 to 11; The payment application server is used to execute the method according to any one of claims 12 to 13; The card organization transaction system is used to execute the method as claimed in claim 14.

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