Payment terminal and payment method based on near field communication

Abstract

One or more embodiments of the invention provide a payment terminal and a payment method based on near field communication. The payment terminal can be used as an extension device of a merchant cashier device, and the payment information of the cashier device is sent to a payment terminal such as a smart phone of a consumer based on a near field communication mode, so that the payment terminal is triggered to complete payment according to the payment information. Besides, a part of the NFC antenna of the payment terminal is reused as a part of the shell of the payment terminal to be exposed outside, and the NFC antenna is connected with the rest of the shell of the payment terminal through the plastic connecting part to form the whole shell body of the payment terminal. The payment method is applied to the payment terminal, payment information sent by an external cashier device is sent to the payment terminal through a near field communication assembly of the payment terminal in an electromagnetic signal mode, and the payment terminal completes payment according to the payment information.

Description

[0001] This application is a divisional application of the invention application with application date of July 24, 2024, application number 202410997508.7, and invention name “Payment terminal and payment method based on near field communication”. Technical Field

[0002] One or more embodiments of the present specification relate to the field of near field communication technology, and more particularly, to a payment terminal and a payment method based on near field communication. Background Art

[0003] Near Field Communication (NFC) is a short-range, high-frequency radio technology that transmits or receives electromagnetic wave signals through the NFC antenna to achieve contactless identification and interconnection.

[0004] During the research process, the inventors found that various application scenarios based on NFC technology, such as payment scenarios, often require dedicated equipment or systems, which leads to high application costs of NFC and limits its popularity. Summary of the invention

[0005] In order to reduce the application cost of payment scenarios based on near field communication, one or more embodiments of this specification provide a payment terminal and a payment method based on near field communication.

[0006] In a first aspect, one or more embodiments of this specification provide a payment terminal based on near field communication, including:

[0007] Near field communication components and main control board;

[0008] The near field communication component includes an NFC antenna and an NFC control board;

[0009] The NFC control board is connected to the main control board;

[0010] The NFC control board is used to receive the payment information sent by the main control board, and send the payment information in the form of an electromagnetic signal through the NFC antenna.

[0011] In a possible implementation, the NFC control board is further used for:

[0012] The payment information is stored as tag information, and after being triggered by a payment terminal with an NFC function enabled, the tag information is sent to the payment terminal through the NFC antenna, so that the payment terminal completes the payment according to the payment information.

[0013] In a possible implementation, the payment terminal further includes: a first housing portion;

[0014] The NFC antenna includes: a second shell portion, and a coil portion connected to the second shell portion;

[0015] The second shell part is made of metal; the coil part is formed by winding a wire;

[0016] The NFC antenna is connected to the first shell part through a plastic connecting part, so that the first shell part and the second shell part are spliced ​​to form the shell body of the payment terminal.

[0017] In a possible implementation, the second shell portion includes a first end portion of the shell body; the first end portion has a shape of any one of a right-angle U-shape, a rounded U-shape, or an arc.

[0018] In a possible implementation, the second shell portion includes a frame portion of the first end portion.

[0019] In a possible implementation, the plastic connecting portion is a plastic body with a preset thickness formed by a nano injection molding process.

[0020] In a possible implementation, the near field communication component further includes: a conductive connector;

[0021] One end of the conductive connector is connected to the coil portion, and the other end is connected to the NFC control board, so that the NFC antenna and the NFC control board form a conductive loop.

[0022] In a possible implementation manner, the conductive connecting member includes at least one of a conductive spring and a conductive cable.

[0023] In a possible implementation, one end of the conductive spring is welded to the coil portion, and the other end is connected to the NFC control board.

[0024] In a possible implementation, the payment information includes at least one of the following:

[0025] Merchant information, supported payment applications, and link information to the payment page.

[0026] In a possible implementation, the main control board is connected to a cash register device for obtaining the payment information sent by the cash register device and forwarding the payment information to the NFC control board.

[0027] In a possible implementation, the payment terminal further includes: an Internet-based network communication component;

[0028] The main control board is connected to the cash register device through the network communication component.

[0029] In a possible implementation, the payment terminal further includes: a wired communication component;

[0030] The main control board is connected to the cash register device through the wired communication component.

[0031] In a second aspect, one or more embodiments of this specification provide a payment method based on near field communication, which is applied to the payment terminal described in the first aspect;

[0032] The payment methods include:

[0033] Obtain payment information;

[0034] The payment information is sent to the payment terminal in the form of an electromagnetic signal through the near field communication component of the payment terminal, so that the payment terminal completes the payment according to the payment information.

[0035] In summary, the payment terminal based on near-field communication provided in this embodiment can be used as an extension device of the merchant's existing cash register equipment, so that the payment information of the cash register equipment can be sent to the consumer's smart phone or other payment terminal through the payment terminal based on near-field communication, thereby triggering the payment terminal to complete the payment according to the payment information. Therefore, based on the payment terminal and payment method provided in this embodiment, a payment method based on near-field communication is realized, and there is no need to make large-scale modifications to the existing payment system, reduce the application cost of near-field communication technology in payment scenarios, facilitate large-scale promotion, and provide consumers with more payment methods. Therefore, based on the payment terminal provided in this embodiment and the payment method using it, a payment method based on near-field communication is realized, and there is no need to make large-scale improvements to the existing payment system, reduce the application cost of near-field communication technology in payment scenarios, facilitate large-scale promotion, and provide consumers with more payment methods.

[0036] In the near field communication-based payment terminal provided in this embodiment, a part of its NFC antenna can be reused as a part of the shell of the payment terminal, or in other words, a part of the shell of the payment terminal can be reused as a part of its NFC antenna; in this way, since the part of the metal shell constituting the NFC antenna is exposed to the outside, it is equivalent to placing the NFC antenna part of the payment terminal externally, avoiding shielding interference of other components inside the payment terminal, thereby improving the NFC signal strength and sensing sensitivity of the payment terminal and ensuring the payment success rate. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions of one or more embodiments of the present specification, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of one or more embodiments of the present specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0038] Figure 1 A schematic diagram of the structure of an NFC antenna provided for one or more embodiments of this specification;

[0039] Figure 2 A top view of an electronic product with an NFC antenna provided in one or more embodiments of this specification;

[0040] Figure 3 An exploded view of an electronic product with an NFC antenna provided for one or more embodiments of this specification;

[0041] Figure 4 A schematic diagram of the structure of another NFC antenna provided for one or more embodiments of this specification;

[0042] Figure 5 A structural block diagram of a payment terminal based on near field communication provided for one or more embodiments of this specification;

[0043] Figure 6 A schematic diagram of an application scenario of a payment terminal based on near field communication provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0044] One or more embodiments of the present invention are further described in detail below through the accompanying drawings and examples. Through these descriptions, the features and advantages of one or more embodiments of the present invention will become clearer and more specific.

[0045] The word "exemplary" is used exclusively herein to mean "serving as an example, embodiment, or illustration." Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Although various aspects of the embodiments are shown in the drawings, the drawings are not necessarily drawn to scale unless otherwise noted.

[0046] In addition, the technical features involved in different implementations of one or more embodiments of this specification described below can be combined with each other as long as they do not conflict with each other.

[0047] In the related art, for electronic products with NFC functions, if they use a metal shell, ferrite is usually set between the NFC antenna and the metal shell to isolate the metal shell from absorbing the NFC antenna magnetic field and reduce the interference of the metal shell on the NFC antenna signal. However, the inventors found in the research process that the isolation effect of the ferrite in the above scheme is limited, and it cannot completely eliminate the interference caused by the metal shell, and even increases the clearance distance between the NFC antenna and the metal shell, thereby limiting the size and position of the NFC antenna when the size of the electronic product is fixed, thereby affecting the NFC sensing area.

[0048] In view of this, one or more embodiments of this specification provide an NFC antenna and an electronic product having the NFC antenna.

[0049] Figure 1 A schematic diagram of the structure of an NFC antenna provided in one or more embodiments of this specification. Figure 2 To have Figure 1 A schematic diagram of the top view structure of an electronic product of the NFC antenna shown. Figure 3 To have Figure 1 Exploded diagram of the electronics of the NFC antenna shown.

[0050] Reference Figure 1 to Figure 3 The NFC antenna 10 provided in this embodiment includes a second shell portion 11 and a coil portion 12. The second shell portion 11 is made of metal material, such as aluminum alloy, stainless steel, etc.; the coil portion 12 is formed by a wire wrapped around multiple turns from the inside to the outside (or from the outside to the inside), and the wire forming the coil portion 12 can be a wire made of metal materials such as copper, silver, and aluminum. The second shell portion 11 and the coil portion 12 are electrically connected and together serve as an NFC antenna to realize the sending and receiving of NFC signals, that is: when current flows, a magnetic field can be generated and electromagnetic waves (NFC signals) can be radiated outward; or, when external electromagnetic waves (NFC signals) are sensed, a corresponding current signal is generated.

[0051] At the same time, in this embodiment, the NFC antenna 10 is connected to the first shell portion 20 of the electronic product through the plastic connecting portion 30; that is, in this embodiment, the second shell portion 11 also serves as a part of the shell of the electronic product where the NFC antenna 10 is located, and is spliced ​​with the first shell portion 20 of the electronic product to form the entire shell body of the electronic product.

[0052] Optionally, the plastic connecting portion 30 is a plastic body with a preset thickness formed by an injection molding process. Figure 2 As shown, in the actual production process, the first housing portion 20 and the NFC antenna 10 can be placed on a workbench at a preset position, and then a preset area (such as Figure 2The inner area of ​​the electronic product shown in the dotted line frame is the injection molding area, where thermoplastic plastic is injected to form a plastic connecting portion 30 .

[0053] Optionally, this embodiment can also be based on a nano injection molding process, namely, nano molding technology (Nano Molding Technology, NMT), firstly etching nano-scale pits on the surface of the metal material in the above-mentioned preset area, and then injecting plastic onto the metal surface to fill the plastic into the nano-scale pits. After the plastic is solidified, it is combined with the metal material to achieve a firm connection between the first shell portion 20 and the NFC antenna 10.

[0054] In other possible implementations, the above-mentioned plastic connection part can also be made by other processes, such as coating, pouring, drip molding, etc. The plastic connection part can be prepared by a suitable process according to the production equipment, application scenario, etc., which will not be listed one by one in this embodiment.

[0055] In addition to filling the gap between the first shell part 20 and the NFC antenna 10, the plastic connecting part 30 also covers the surface of the NFC antenna 10 and part of the surface of the first shell part 20 to ensure a firm connection between the first shell part 20 and the NFC antenna 10. In addition, the greater the thickness of the plastic connecting part 30, that is, the preset thickness, the greater the structural strength of the formed electronic product, and the corresponding thickness of the electronic product. Therefore, during the injection molding process, the thickness of the finally formed plastic connecting part 30 can meet the preset thickness by controlling the speed and time of plastic injection according to actual application requirements.

[0056] In addition, in the present embodiment, the plastic connecting portion 30 can fill the gap between the first shell portion 20 and the NFC antenna 10 during the molding process, which not only realizes a firm connection between the two, but also insulates the first shell portion 20 and the NFC antenna 10 due to the insulation of the plastic material, thereby avoiding the first shell portion 20 from affecting the signal of the NFC antenna 10. Regardless of the material used for the first shell portion 20, including metal material and non-metal material, the performance of the NFC antenna can be guaranteed.

[0057] As can be seen from the above description, in this embodiment, part of the metal shell of the electronic product, that is, the second shell part, is used as part of the NFC antenna, that is, the second shell part is connected to the coil part formed by the wire, and together they constitute the NFC antenna, and the connection and insulation between the NFC antenna and the remaining shell part of the electronic product, that is, the first shell part, are realized through the plastic connection part. In this way, since the part of the metal shell constituting the NFC antenna is exposed to the outside, it is equivalent to placing the NFC antenna part of the electronic product externally, avoiding the shielding interference of other parts of the electronic product, thereby improving the signal strength and sensing sensitivity of the NFC antenna; at the same time, the connection and insulation between the NFC antenna and the remaining shell part of the electronic product are realized through the plastic connection part, which can not only ensure the connection is firm, but also avoid the interference of the remaining shell part of the electronic product to the NFC antenna, thereby ensuring the NFC performance of the electronic product; in addition, in this embodiment, without using additional shielding components such as ferrite, it can eliminate the restrictions on the size and shell material of the electronic product, so that the electronic product can use a metal shell, and there is no need to increase the thickness of the electronic product due to the limit of the clearance distance, and it can also take into account the NFC performance, thereby ensuring the normal operation of the related functions based on NFC communication in the electronic product.

[0058] In a possible implementation, the second housing portion 11 may be specifically used as the first end of the housing body of the electronic product, and the shape of the first end may be any one of a right-angle U-shape, a rounded U-shape or an arc. Figure 2 The electronic product shown has a first end portion 21 on the right side, which is arc-shaped; correspondingly, a second end portion 22 on the left side, which is U-shaped with rounded corners.

[0059] In other possible implementations, the shape of the second housing portion 11 can be designed according to the appearance requirements of the electronic product. Accordingly, the shape formed by the coil portion 12 along the second housing portion is not limited to Figure 1 For example, if the first end of the electronic product needs to be in a right-angle U shape according to design requirements, then Figure 4 As shown, the second shell portion 11 ′ shown by the thick solid line is in a right-angled U shape, and the coil portion 12 ′ shown by the thin dotted line is formed by surrounding the coil portion 12 ′ in a corresponding rectangular shape.

[0060] In a possible implementation, the second shell portion 11 may specifically only include the frame portion of the first end portion. That is, the bottom of the first end portion may be formed separately and connected to the second shell portion 11 as the frame portion by gluing or other means; or, the bottom of the first end portion may also be formed integrally with the first shell portion 20, so that when the first shell portion 20 and the NFC antenna 10 are connected by the plastic connection portion 30, the shell body of the electronic product is also completely formed (including the entire bottom of the shell body and the surrounding frame portion).

[0061] In one possible implementation, Figure 1 As shown, the two end points 121 and 122 of the metal wire forming the coil portion 12 can be used as connection points for connecting the NFC antenna and the NFC control board. Figure 3 As shown, the NFC antenna 10 can be connected to the NFC control board 40 through the conductive connector 50, so that the NFC control board 40 and the NFC antenna 10 form a conductive loop, so that the NFC control board can receive or send information through the NFC antenna.

[0062] In a possible implementation, the conductive connecting member 50 may be: Figure 3 Two conductive springs are shown; one end of each conductive spring is respectively welded to the connection points 121 and 122 on the coil portion 12 of the NFC antenna 10, and the other end is movably connected to the corresponding contact on the NFC control board.

[0063] In other possible implementations, the conductive connector 50 may also be a conductive cable, such as a jumper or other connector; in addition, the connection point of the conductive connector 50 on the NFC antenna is not limited to Figure 1 The endpoints 121 and 122 shown may also be any two points on the coil portion 12. In actual application scenarios, appropriate connection points and conductive connectors may be selected according to the design requirements of corresponding electronic products, and are not listed one by one in this embodiment.

[0064] In this embodiment, the second shell portion and the coil portion constituting the NFC antenna 10 can be regarded as a series connection or a parallel connection, which is specifically determined by the connection method between the two.

[0065] like Figure 1 As shown, the coil portion 12 is formed by winding two circles from the outside to the inside to the end point 122 starting from the end point 121, that is, the coil portion 12 is actually formed by a wire; the two ends of the second shell portion 11 are respectively connected to the two points 123 and 124 on the coil portion 12 by welding or the like, so that the wire segment between the two points 123 and 124 on the coil portion 12 is in parallel with the second shell portion 11.

[0066] like Figure 4 As shown, the coil part 12 may also be composed of two wires: one wire is between the end point 121' and the connection point 123', and is connected to one end of the second shell part 11' at the connection point 123'; another wire is between the end point 122' and the connection point 124', and is connected to the other end of the second shell part 11' at the connection point 124'. In this way, Figure 4 In the NFC antenna shown, the coil portion 12 ′ and the second shell portion 11 ′ are connected in series.

[0067] In this embodiment, the position and number of the connection points between the coil portion and the second shell portion are not limited to Figure 1, Figure 4 As shown; for example, in some possible implementations, when the coil portion uses a wire, the wire segment adjacent to the second shell portion, such as Figure 1 The wire segment between the middle connection points 123 and 124 can be completely connected to the inner wall of the second shell part, or welded to one or more points on the inner wall of the second shell part in addition to the two ends of the second shell part. In actual application scenarios, the specific connection method between the coil part and the second shell part can be determined in combination with factors such as manufacturing equipment, process, conductivity, etc.

[0068] Based on the same inventive concept, one or more embodiments of this specification also provide an electronic product. Figure 2 and Figure 3 The electronic product may include a first housing portion 20 and an NFC antenna 10 .

[0069] The NFC antenna 10 includes: a second shell portion, and a coil portion connected to the second shell portion; the second shell portion is made of metal; and the coil portion is formed by winding a wire.

[0070] The NFC antenna 10 is connected to the first shell part 20 via the plastic connecting part 30 , so that the first shell part 20 and the second shell part in the NFC antenna 10 are spliced ​​to form the entire shell body of the electronic product, and the NFC antenna 10 is also firmly connected to the first shell part 20 .

[0071] The connection method between the second shell part and the coil part in the above-mentioned NFC antenna 10 is described in the previous embodiment, and will not be repeated here. Among them, the second shell part can specifically serve as the first end of the electronic product shell body; the shape of the first end can be any one of a right-angle U-shape, a rounded U-shape or an arc. Optionally, the second shell part can specifically be a frame part of the first end; the bottom of the first end can be integrally formed with the first shell part 20, or the bottom of the first end can also be a detachable independent component, which is connected to the first shell part 20 and the NFC antenna 10 through a process such as injection molding.

[0072] The plastic connection part 30 can be made by injection molding or nano injection molding, and its thickness can also be set according to the actual application scenario to ensure a firm connection between the first shell part 20 and the NFC antenna 10, and also to ensure the strength of the electronic product. In addition, since the plastic connection part 30 is an insulating plastic body, it can play an insulating role between the first shell part 20 and the NFC antenna 10, avoiding the first shell part 20 being made of metal to affect the signal strength and radiation range of the NFC antenna 10.

[0073] Continue to refer to Figure 3The above-mentioned electronic product may further include a conductive connector 50 and an NFC control board 40; one end of the conductive connector 50 is connected to the NFC antenna 10, and the other end is connected to the NFC control board 40, so that the NFC antenna 10 and the NFC control board 40 form a conductive loop.

[0074] Optionally, the conductive connector 50 may be a conductive spring; one end of the conductive spring may be welded to any point on the coil portion of the NFC antenna 10 to achieve connection with the NFC antenna 10 .

[0075] Optionally, the conductive connector 50 may also be a conductive cable, such as a jumper wire, etc. For details, please refer to the connection method of the integrated circuit board or electronic device in the related technology, which will not be listed here one by one.

[0076] In this embodiment, the NFC control board 40 may integrate an NFC controller, a security chip, etc., wherein the NFC controller, i.e., the NFC chip, is used to implement processing procedures defined by modes such as card emulation, reader / writer, and point-to-point; the security chip is used to implement processing procedures related to sensitive data, encryption operations, etc., to ensure the security of the NFC communication process. The specific processing procedures of the above-mentioned NFC controller and security chip can refer to the relevant technology and will not be repeated here.

[0077] The NFC control board 40 and the NFC antenna 10 are connected to form a closed circuit, which can realize the conversion of digital information and electromagnetic signals (i.e., NFC signals). The working process includes but is not limited to: the NFC controller 40 can convert digital information into analog current signals and output them to the NFC antenna 10, thereby generating an electromagnetic field around the NFC antenna 10 and radiating electromagnetic signals, i.e., NFC signals, so that other devices with NFC functions can receive the NFC signals; the NFC antenna 10 can also receive electromagnetic signals radiated by other devices with NFC functions, thereby triggering the NFC antenna 10 to generate an electromagnetic field and generate a corresponding current signal. The NFC controller 40 receives the current signal and obtains the corresponding digital signal through processing processes such as analog-to-digital conversion and recognition.

[0078] From a functional perspective, the above-mentioned electronic product can be a device with NFC card or NFC electronic tag reading and writing functions, or a device with NFC card simulation function, or a device with NFC-based point-to-point communication function, or a device with all three functions mentioned above.

[0079] In terms of product form, the above electronic products can be mobile phones, tablet computers, smart watches, etc. Based on different functions or product forms, the above electronic products can also include one or more of the following functional components: display screen, main control board, mobile communication component, memory, power supply, etc.

[0080] In terms of application scenarios, the above-mentioned electronic products can be used in terminals for payment, access control, security, identity recognition and other scenarios.

[0081] When applied in a payment scenario, the electronic product may specifically be a payment device based on near field communication. Figure 5 is the structural block diagram of the payment device. Figure 5 As shown, the payment device 600 may include: a near field communication component 610 and a main control board 620;

[0082] The near field communication component 610 includes an NFC antenna 611 and an NFC control board 612. The NFC control board 612 is connected to the main control board 620, such as through input and output pins of the two, through a parallel bus or through a serial interface.

[0083] The NFC control board 612 is used to receive the payment information sent by the main control board 620, and send the payment information in the form of an electromagnetic signal through the NFC antenna 611.

[0084] In a possible implementation, the payment terminal 600 may further include a first shell portion. The NFC antenna 611 includes: a second shell portion, and a coil portion connected to the second shell portion; the second shell portion is made of metal; and the coil portion is formed by winding a wire.

[0085] The NFC antenna 611 is connected to the first shell part through a plastic connecting part, so that the first shell part and the second shell part are spliced ​​to form the shell body of the payment terminal 600 to accommodate the main control board 620, NFC control board 612 and other components.

[0086] In a possible implementation, the second shell portion includes a first end portion of a shell body of the payment terminal 600; the first end portion has a shape of any one of a right-angled U-shape, a rounded U-shape, or an arc.

[0087] Optionally, the second shell portion includes a frame portion of the first end portion.

[0088] In a possible implementation, the plastic connecting portion is a plastic body with a preset thickness formed by a nano injection molding process.

[0089] In a possible implementation, the near field communication component 610 further includes: a conductive connector;

[0090] One end of the conductive connector is connected to the coil portion, and the other end is connected to the NFC control board 612, so that the NFC antenna 611 and the NFC control board 612 form a conductive loop, thereby generating an electromagnetic field and radiating an electromagnetic signal.

[0091] Optionally, the conductive connecting member may be a conductive spring, a conductive cable, etc. If the conductive connecting member is a conductive spring, one end of the conductive spring is welded to the coil portion, and the other end is movably connected to the NFC control board.

[0092] The above describes some feasible actual product structures of the payment terminal 600, in which a part of the NFC antenna is reused as a part of the shell of the payment terminal, or in other words, a part of the shell of the payment terminal is reused as a part of its NFC antenna; in this way, since the part of the metal shell constituting the NFC antenna is exposed to the outside, it is equivalent to placing the NFC antenna part of the payment terminal externally, avoiding shielding interference from other components inside the payment terminal, thereby improving the NFC signal strength and sensing sensitivity of the payment terminal and ensuring the payment success rate.

[0093] It should be noted that the first housing portion, the second housing portion, the coil portion, the NFC control board, the plastic connecting portion, and the conductive connecting member in the payment terminal 600 are respectively the same as those in the above embodiments and Figures 1 to 4 The first shell part 11 and 11', the second shell part 20, the coil part 12 and 12', the NFC control board 40, the plastic connecting part 30, and the conductive connecting part 50 correspond to each other, and their specific implementation methods and beneficial effects can be referenced to each other and will not be repeated here.

[0094] In one possible implementation, the payment device 600 can act as an active device to actively send the payment information, that is, the NFC control board 612 actively outputs a current signal to the NFC antenna 611, thereby forming an electromagnetic field and radiating the payment information in the form of an electromagnetic signal; other payment terminals with NFC function can sense the electromagnetic signal when they are close to the payment terminal and reach a certain distance, thereby receiving the payment information.

[0095] In one possible implementation, the payment device 600 may also act as a passive device to passively send the payment information, that is, after receiving the payment information sent by the main control board 620, the NFC control board 612 stores it as tag information; other payment terminals with NFC function enabled act as active devices, and when they approach the payment terminal and reach a certain distance, the electromagnetic field generated by the NFC component of the payment terminal can stimulate the NFC component of the payment terminal to sense, thereby triggering the NFC control board 612 to transmit the payment information to the above-mentioned payment terminal in the form of an electromagnetic signal through the NFC antenna 611.

[0096] After receiving the above payment information, the payment terminal can start the preset authorization payment process according to the payment information to complete the payment.

[0097] In a possible implementation, the payment information includes at least one of the following:

[0098] Merchant information, supported payment applications, and link information to the payment page.

[0099] After receiving the payment information sent by the payment terminal, the payment terminal can access and display the payment page, merchant information, etc. according to the link information of the payment page, or start the corresponding payment application, etc. The above payment page, payment application, etc. can all use the relevant settings in the existing payment method, that is, this embodiment can realize the linkage with the existing payment process, transmit the payment information in the near field communication mode, and use the payment information as the trigger information of the relevant authorization and payment process, so that it is compatible with the NFC-based payment method without making major changes to the existing payment process or payment system.

[0100] Figure 6 A schematic diagram of an application scenario of the payment terminal provided in this embodiment. Figure 6 As shown, the payment terminal 600 provided in this embodiment communicates with the merchant's cash register device 700 through the main control board 620, thereby obtaining the payment information generated by the cash register device; then the payment information is sent to the payment terminal 800 based on the near field communication (NFC) method through the near field communication component 610, thereby triggering the payment terminal 800 to start the preset authorization and payment process.

[0101] In a possible implementation, the payment terminal 600 may further include: an Internet-based network communication component; the main control board 620 is communicatively connected with the cash register device 700 via the network communication component.

[0102] In a possible implementation, the payment terminal 600 may further include: a wired communication component; such as a wired communication component providing a USB interface, so that the main control board 620 can be connected to the cash register device 700 through the wired communication component.

[0103] As can be seen from the above description, the payment terminal 600 provided in this embodiment can be used as a portable expansion device of the merchant's existing cash register device, so that the payment information of the cash register device can be sent to the payment terminal 800 such as the consumer's smart phone through the payment terminal 600 based on the near field communication method, thereby triggering the payment terminal 800 to complete the payment according to the payment information. It can be seen that the payment method based on the near field communication is realized based on the payment terminal provided in this embodiment, and there is no need to make large-scale improvements to the existing payment system, which reduces the application cost of the near field communication technology in the payment scenario, facilitates large-scale promotion, and provides consumers with more payment methods.

[0104] In addition, the embodiments of this specification also provide a payment method based on near field communication, which is applied to the payment terminal based on near field communication provided in any of the above embodiments; the payment method includes the following steps:

[0105] Obtain payment information; the payment information may be payment information sent by a cash register device and received by a main control panel of the payment terminal, including merchant information, supported payment applications, etc.;

[0106] The payment information is sent to the payment terminal in the form of an electromagnetic signal through the near field communication component of the payment terminal, so that the payment terminal completes the payment according to the payment information.

[0107] Optionally, the payment terminal may perform payment authorization based on the above payment information, and send transaction identification information including the consumer account information to the payment server, etc.

[0108] Through the above payment method embodiments, payment based on near-field communication can be implemented without making major improvements to the existing payment process, which is convenient for large-scale promotion and provides consumers with more payment methods.

[0109] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device and system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments.

[0110] In this article, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also includes other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. For those of ordinary skill in the art, the specific meaning of the above terms in one or more embodiments of this specification can be understood according to the specific circumstances.

[0111] It should be noted that, in the absence of conflict, one or more embodiments of this specification and the features in the embodiments may be combined with each other. One or more embodiments of this specification are not limited to any single aspect, nor to any single embodiment, nor to any combination and / or replacement of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of one or more embodiments of this specification may be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0112] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of one or more embodiments of this specification, rather than to limit them. Although one or more embodiments of this specification have been described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some or all of the technical features may be replaced by equivalents. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of one or more embodiments of this specification, and they should all be included in the scope of the claims and the specification of one or more embodiments of this specification.

[0113] One or more embodiments of this specification are described above in conjunction with optional implementation methods, but these implementation methods are only exemplary and serve only as an illustration. On this basis, multiple replacements and improvements can be made to one or more embodiments of this specification, all of which fall within the scope of protection of one or more embodiments of this specification.

Claims

1. A payment terminal based on near field communication, characterized in that: include: NFC antenna; The NFC antenna includes a coil portion formed by winding a wire and a second shell portion made of metal; The second housing portion is a part of the housing of the payment terminal; The second shell portion surrounds the outer circumference of the coil portion and is electrically connected to the coil portion; The coil portion is formed by winding the conductive wire multiple times from the inside to the outside or from the outside to the inside.

2. The payment terminal according to claim 1, characterized in that: Also includes: a first housing portion; The NFC antenna is connected to the first shell part through a plastic connecting part, so that the first shell part and the second shell part are spliced ​​to form the shell body of the payment terminal.

3. The payment terminal according to claim 2, characterized in that: The second shell portion includes a first end portion of the shell body; the first end portion has a shape of any one of a right-angle U-shape, a rounded U-shape or an arc shape.

4. The payment terminal according to claim 3, characterized in that: The second housing portion includes a frame portion at the first end portion.

5. The payment terminal according to claim 2, characterized in that: The plastic connecting part is a plastic body with a preset thickness formed by a nano injection molding process.

6. The payment terminal according to claim 1, characterized in that: Also includes: NFC control board; the NFC control board is connected to the NFC antenna.

7. The payment terminal according to claim 6, characterized in that: Also includes: Conductive connectors; One end of the conductive connector is connected to the coil portion, and the other end is connected to the NFC control board, so that the NFC antenna and the NFC control board form a conductive loop.

8. The payment terminal according to claim 7, characterized in that: The conductive connecting member includes at least one of a conductive spring and a conductive cable.

9. The payment terminal according to claim 8, characterized in that: One end of the conductive spring is welded to the coil portion, and the other end is connected to the NFC control board.

10. The payment terminal according to claim 1, characterized in that: The inner wall of the second shell portion is closely connected to the coil portion.

11. The payment terminal according to claim 6, characterized in that: Also includes: A main control board connected to the NFC control board; the main control board is connected to a cash register device for communication, and is used to obtain payment information sent by the cash register device and forward the payment information to the NFC control board.

12. The payment terminal according to claim 11, characterized in that: Also includes: Internet-based network communication components; The main control board is connected to the cash register device through the network communication component.

13. The payment terminal according to claim 11, characterized in that: Also includes: Wired communications components; The main control board is connected to the cash register device through the wired communication component.

14. A payment method based on near field communication, characterized in that: Applicable to a payment terminal as claimed in any one of claims 1 to 13; The payment methods include: Obtain payment information; The payment information is sent to the payment terminal in the form of an electromagnetic signal through the NFC antenna of the payment terminal, so that the payment terminal completes the payment according to the payment information.

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