Online payment method and device based on near field communication technology, and electronic equipment

Abstract

The invention discloses an online payment method and device based on the near field communication technology and electronic equipment, and relates to the field of financial science and technology or other related technical fields, and the method comprises the steps: reading the configuration information of terminal equipment where a user side is located through a hardware inspection plug-in, determining whether the terminal device has a near field communication device based on the configuration information; under the condition that the terminal equipment is provided with near-field communication equipment, controlling the near-field communication driving plug-in to call an application program of the near-field communication equipment of the terminal equipment, and driving the near-field communication equipment to read the financial card by adopting the application program to obtain card information of the financial card; and encrypting the card information to obtain encrypted card information, and performing online payment processing based on the encrypted card information to obtain a payment result. According to the invention, the technical problems of low payment efficiency and low payment security due to the fact that financial card information needs to be manually input for payment during online payment in the prior art are solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology or other related technical fields, and in particular to an online payment method and device based on near field communication technology, and an electronic device thereof. Background Art

[0002] With the globalization of trade and the rapid development of online e-commerce, online payment has become the mainstream payment method for current users. With the popularization of the Internet and the widespread use of mobile devices, consumers are increasingly relying on online payment to complete various transactions, from daily shopping to booking of various services, covering almost every aspect of modern life. However, current online payment methods, especially those based on financial cards, face some significant technical challenges, which affect the security and convenience of payment, especially in transaction scenarios such as cross-border e-commerce, where there are few choices for transaction payment methods and payment is often required through financial cards.

[0003] In the related technology, when paying with a bank card, users are required to manually enter sensitive information such as card number, expiration date, security code, etc. This process not only makes the payment process cumbersome and inefficient, but also increases the possibility of user errors and reduces the payment experience. In addition, in the above payment mode, the information entered by the user may be stolen by a third party through screenshot software, keylogger malware, etc., especially in an open network environment. This risk is particularly prominent, resulting in insufficient user information security and easy information leakage.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiment of the present invention provides an online payment method and its device and electronic device based on near field communication technology, so as to at least solve the technical problem in the related art that when making online payment, financial card information needs to be manually input for payment, resulting in low payment efficiency and low payment security.

[0006] According to one aspect of an embodiment of the present invention, there is provided an online payment method based on near field communication technology, comprising: receiving a commodity purchase request from a user terminal, and loading a hardware check plug-in based on the commodity purchase request; reading configuration information of a terminal device where the user terminal is located through the hardware check plug-in, and determining whether the terminal device has a near field communication device based on the configuration information; in the case where the terminal device has the near field communication device, controlling the near field communication driver plug-in to call an application of the near field communication device of the terminal device, and using the application to drive the near field communication device to read a financial card to obtain card information of the financial card; encrypting the card information to obtain encrypted card information, and performing online payment processing based on the encrypted card information to obtain a payment result.

[0007] Optionally, after determining whether the terminal device where the user terminal is located has a near-field communication device based on the configuration information, it also includes: obtaining a device model of the terminal device based on the configuration information; querying the location information of the near-field communication device on the terminal device based on the device model; generating a card reading prompt information based on the location information, and displaying the card reading prompt information to the user interface of the user terminal.

[0008] Optionally, the step of performing online payment processing based on the encrypted card information includes: transmitting the encrypted card information to an acquiring system of a financial institution, and decrypting the encrypted card information through the acquiring system; verifying the commodity purchase transaction through the acquiring system to obtain a verification result; when the verification result indicates that the commodity purchase transaction has passed the verification, forwarding the commodity purchase transaction information and the decrypted card information to a card organization to which the financial card belongs through the acquiring system; marking the commodity purchase transaction as an online transaction through the card organization, and generating a deduction request based on the card information and the commodity purchase transaction information; forwarding the deduction request to the issuing bank through the card organization, and executing the deduction operation through the issuing bank to complete the online payment.

[0009] Optionally, the step of verifying the commodity purchase transaction through the acquiring system to obtain a verification result includes: verifying through the acquiring system whether the financial card is in an abnormal financial state to obtain a card state verification result, wherein the abnormal financial state includes one of the following: a lost state, a frozen state, an invalid state, and the invalid state is used to indicate that the financial card has exceeded its validity period; comparing through the acquiring system the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system to obtain a comparison result, and obtaining a price verification result based on the comparison result; verifying through the acquiring system whether the commodity transaction amount is within the credit limit of the financial card to obtain a credit limit verification result; and obtaining the final verification result based on the card state verification result, the price verification result and the credit limit verification result.

[0010] Optionally, after performing online payment processing based on the encrypted card information and obtaining the payment result, it also includes: after the payment result indicates that the payment is successful, generating a payment success certificate through the acquiring system, and sending the payment success certificate to the user end, wherein the payment success certificate includes the payment confirmation number, payment time, payment amount and payment status; synchronizing the payment success certificate to the merchant system through the acquiring system, and the merchant system provides a product delivery service through the payment success certificate.

[0011] Optionally, when the terminal device has the near field communication device, the step of controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device includes: when the terminal device has the near field communication device, adding the near field communication payment method to the payment method list of the user terminal; receiving the payment method selected by the user terminal, and when the user terminal selects the near field communication payment method, controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device where the user terminal is located.

[0012] Optionally, the step of receiving a commodity purchase request from a user terminal and loading a hardware check plug-in based on the commodity purchase request includes: detecting whether the user terminal has installed the hardware check plug-in to obtain a detection result; if the detection result indicates that the user terminal has not installed the hardware check plug-in, issuing a prompt message, wherein the prompt message is used to prompt the user terminal to install the hardware check plug-in; or, if the detection result indicates that the user terminal has installed the hardware check plug-in, loading the hardware check plug-in.

[0013] According to another aspect of an embodiment of the present invention, there is also provided an online payment device based on near field communication technology, comprising: a receiving unit, used to receive a commodity purchase request from a user terminal, and load a hardware check plug-in based on the commodity purchase request; a determining unit, used to read configuration information of a terminal device where the user terminal is located through the hardware check plug-in, and determine whether the terminal device has a near field communication device based on the configuration information; a reading unit, used to control the near field communication driver plug-in to call an application of the near field communication device of the terminal device when the terminal device has the near field communication device, and use the application to drive the near field communication device to read a financial card to obtain card information of the financial card; a payment unit, used to encrypt the card information to obtain encrypted card information, and perform online payment processing based on the encrypted card information to obtain a payment result.

[0014] Optionally, the online payment device based on near-field communication technology also includes: a first acquisition module, used to acquire the device model of the terminal device based on the configuration information; a first query module, used to query the location information of the near-field communication device on the terminal device based on the device model; a first display module, used to generate card reading prompt information based on the location information, and display the card reading prompt information to the user interface of the user end.

[0015] Optionally, the payment unit includes: a first transmission module, used to transmit the encrypted card information to the acquiring system of a financial institution, and decrypt the encrypted card information through the acquiring system; a first verification module, used to verify the commodity purchase transaction through the acquiring system to obtain a verification result; a first forwarding module, used to forward the commodity purchase transaction information and the decrypted card information to the card organization to which the financial card belongs through the acquiring system when the verification result indicates that the commodity purchase transaction has passed the verification; a first generation module, used to mark the commodity purchase transaction as an online transaction through the card organization, and generate a deduction request based on the card information and the commodity purchase transaction information; a first deduction module, used to forward the deduction request to the issuing bank through the card organization, perform the deduction operation through the issuing bank, and complete the online payment.

[0016] Optionally, the first verification module includes: a first verification submodule, used to verify whether the financial card is in an abnormal financial state through the acquiring system, and obtain a card state verification result, wherein the abnormal financial state includes one of the following: a reported lost state, a frozen state, and an invalid state, and the invalid state is used to indicate that the financial card has exceeded the validity period; a first comparison submodule, used to compare the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system through the acquiring system, and obtain a comparison result, and obtain a price verification result based on the comparison result; a second verification submodule, used to verify whether the commodity transaction amount is within the credit limit of the financial card through the acquiring system, and obtain a credit limit verification result; a second acquisition module, used to obtain the final verification result based on the card state verification result, the price verification result and the credit limit verification result.

[0017] Optionally, the online payment device based on near-field communication technology also includes: a second generation module, used to generate a payment success certificate through the acquiring system after the payment result indicates a successful payment, and send the payment success certificate to the user terminal, wherein the payment success certificate includes a payment confirmation number, payment time, payment amount and payment status; a first synchronization module, used to synchronize the payment success certificate to the merchant system through the acquiring system, and the merchant system provides a commodity delivery service through the payment success certificate.

[0018] Optionally, the online payment device based on near field communication technology also includes: a first adding module, used to add a near field communication payment method to the payment method list of the user terminal when the terminal device has the near field communication device; a first control module, used to receive the payment method selected by the user terminal, and when the user terminal selects the near field communication payment method, control the near field communication driver plug-in to call the application program of the near field communication device of the terminal device where the user terminal is located.

[0019] Optionally, the receiving unit also includes: a first detection module, used to detect whether the user terminal has installed the hardware check plug-in to obtain a detection result; a first prompt module, used to issue a prompt message when the detection result indicates that the user terminal has not installed the hardware check plug-in, wherein the prompt message is used to prompt the user terminal to install the hardware check plug-in; and a first loading module, used to load the hardware check plug-in when the detection result indicates that the user terminal has installed the hardware check plug-in.

[0020] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned online payment methods based on near field communication technology.

[0021] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned online payment methods based on near field communication technology.

[0022] In the present application, the following steps are performed: receiving a commodity purchase request from a user terminal, loading a hardware check plug-in based on the commodity purchase request, and reading the configuration information of the terminal device where the user terminal is located through the hardware check plug-in, determining whether the terminal device has a near-field communication device based on the configuration information, and then, if the terminal device has a near-field communication device, controlling the near-field communication driver plug-in to call the application of the near-field communication device of the terminal device, and using the application to drive the near-field communication device to read a financial card to obtain the card information of the financial card, and finally encrypting the card information to obtain encrypted card information, and performing online payment processing based on the encrypted card information to obtain a payment result.

[0023] In the present application, when making online payments, a hardware check plug-in is loaded based on a commodity purchase request submitted by a user end to determine whether the user end terminal device has a near field communication device. For a user end with a near field communication device, a payment method based on near field communication technology is provided to the user, thereby driving the near field communication device of the user end to read a financial card without manually entering the card information. The read financial card related information is encrypted, and online payment is completed based on the encrypted card information, thereby preventing the read financial card related information from being intercepted, ensuring user information security and fund security, achieving the purpose of automated online payment, and obtaining the technical effect of improving payment efficiency and payment security, thereby solving the technical problem in the related technology that when making online payments, financial card information needs to be manually entered for payment, resulting in low payment efficiency and low payment security. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0025] Figure 1A hardware structure block diagram of a computer terminal (or mobile device) for implementing an online payment method based on near field communication technology is shown;

[0026] Figure 2 is a flow chart of an optional online payment method based on near field communication technology according to an embodiment of the present invention;

[0027] Figure 3 is a schematic diagram of an optional online payment process based on near field communication technology according to an embodiment of the present invention;

[0028] Figure 4 is a schematic diagram of an optional online payment device based on near field communication technology according to an embodiment of the present invention;

[0029] Figure 5 It is a hardware structure block diagram of an optional electronic device (or mobile device) for executing an online payment method based on near field communication technology according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0032] To facilitate those skilled in the art to understand the present invention, some terms or nouns involved in the embodiments of the present invention are explained below:

[0033] Near Field Communication, referred to as NFC, is a short-range high-frequency wireless communication technology that allows different devices to exchange data within a limited range.

[0034] The card organization is an organization responsible for formulating financial card payment standards and rules, as well as building and maintaining a payment network that connects issuing banks, acquiring systems, merchants and cardholders to ensure smooth financial card transactions and realize electronic transfer of funds.

[0035] The issuing bank is a financial institution that issues financial cards to consumers (cardholders) and provides account management services to cardholders, including checking account balances, transaction history, and making deposits, withdrawals, transfers, etc. The issuing bank is also responsible for processing all account-related requests and services from cardholders.

[0036] The financial card communication standard, Europay, Mastercard, and Visa, referred to as EMV, is a payment system for chip cards (smart cards). It defines the communication protocol between chip cards and payment terminals (such as POS machines), as well as how to use and process card information in transactions to improve the security and efficiency of payment transactions.

[0037] It should be noted that the online payment method and device based on near-field communication technology in the present application can be used in the field of financial technology. When online payment is performed based on near-field communication technology, it can also be used in any field other than the field of financial technology. When online payment is performed based on near-field communication technology, the application field of the online payment method and device based on near-field communication technology is not limited in the present application.

[0038] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0039] The following embodiments of the present invention can be applied to various online payment systems / applications / devices based on near-field communication technology. The present invention is based on the way that users use physical cards or virtual cards to make payments, and uses a near-field communication driver plug-in to call the near-field communication device on the user's terminal device to interact with the acquiring system and the financial card, complete the payment information collection and online payment, and does not need to pay too much attention to the user's payment environment and device parameters when making online payments. It is upgraded from manual input of payment information to direct interaction between devices, without human participation, and has higher overall security, thereby simplifying the payment process and improving payment efficiency and payment security.

[0040] The present invention is described in detail below in conjunction with various embodiments.

[0041] Embodiment 1

[0042] According to an embodiment of the present invention, an embodiment of an online payment method based on near field communication technology is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0043] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing an online payment method based on near field communication technology is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0044] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0045] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the online payment method based on near field communication technology in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned online payment method based on near field communication technology. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0046] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0047] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0048] Under the above operating environment, this application provides Figure 2 The online payment method based on near field communication technology shown in the figure is implemented by an online payment system based on near field communication technology.

[0049] It should be noted that with the vigorous development of e-commerce, the demand for online payment is also increasing. Currently, there are endless payment methods, which have improved the convenience of online payment. However, for more complex transaction scenarios such as cross-border e-commerce, the convenience and security of the payment experience still need to be improved. The embodiment of the present invention utilizes the existing near-field communication technology of the terminal device, controls the near-field communication driver plug-in to call up the near-field communication device of the terminal device, performs card reading operations through the near-field communication device, and performs payment operations based on the read card information, thereby simplifying the payment process, eliminating the need for manual input, and improving payment efficiency and security.

[0050] Figure 2 is a flow chart of an optional online payment method based on near field communication technology according to an embodiment of the present invention. Figure 2 As shown, the method comprises the following steps:

[0051] Step S201, receiving a commodity purchase request from a user, and loading a hardware inspection plug-in based on the commodity purchase request.

[0052] It should be noted that the above-mentioned user terminals include but are not limited to: PC terminals, mobile terminals, iPads, browsers, applications, etc. After the user selects the required goods or services on the display interface of the user terminal, the user terminal will submit a product purchase request to the online payment system. The product purchase request carries multiple transaction information such as product information, price information, user information, etc. After receiving the product purchase request, the system loads a hardware inspection plug-in to the user terminal based on the product purchase request. The hardware inspection plug-in can be an execution script that runs through a browser, or a specific application plug-in. The loading method can be flexibly selected according to the specific environment and configuration of the terminal device where the user terminal is located.

[0053] By loading the hardware check plug-in in the initial stage of the payment process, the NFC support status of the user's device can be quickly determined, providing clear guidance for subsequent payment processes, avoiding attempts to complete payments based on NFC technology on devices that do not support NFC, reducing uncertainty in the payment process, and improving payment efficiency.

[0054] Optionally, receiving a commodity purchase request from a user terminal, and loading a hardware inspection plug-in based on the commodity purchase request, includes: detecting whether the user terminal has installed the hardware inspection plug-in, and obtaining a detection result; when the detection result indicates that the user terminal has not installed the hardware inspection plug-in, issuing a prompt message, wherein the prompt message is used to prompt the user terminal to install the hardware inspection plug-in; or, when the detection result indicates that the user terminal has installed the hardware inspection plug-in, loading the hardware inspection plug-in.

[0055] It should be noted that after receiving the commodity purchase request submitted by the user, the payment system starts the detection mechanism to query whether the user has installed the hardware check plug-in. This query can be to check whether the identification information of the plug-in is saved in the local storage of the browser through executable code, or to confirm by calling a specific browser interface. If the user has not installed the plug-in, a prompt message is sent to the user to prompt the user to install the plug-in. The user can choose whether to install it according to his own needs. On the other hand, if the user has already installed the hardware check plug-in, the plug-in is directly loaded to check the terminal device.

[0056] By automatically detecting whether the hardware check plug-in is installed on the user side, the system can intelligently guide users to avoid unnecessary interruptions or errors in the payment process. For users who have not installed the plug-in, the system provides clear guidance to help users quickly install the plug-in and reduce the complexity of operations. For users who have installed the plug-in, the automatic loading of the plug-in makes the payment process seamless, reducing the waiting time and operation steps of users during the payment process and improving payment efficiency.

[0057] Step S202: Read the configuration information of the terminal device where the user terminal is located through the hardware check plug-in, and determine whether the terminal device has a near field communication device based on the configuration information.

[0058] It should be noted that when the hardware check plug-in is running, it will actively communicate with the hardware layer of the terminal device, read the hardware configuration information of the terminal device, and focus on checking whether the terminal device is equipped with a near-field communication device, so as to determine whether the terminal device can read the financial card based on near-field communication technology to complete online payment.

[0059] Step S203, when the terminal device has a near field communication device, control the near field communication driver plug-in to call the application of the near field communication device of the terminal device, and use the application to drive the near field communication device to read the financial card to obtain the card information of the financial card.

[0060] It should be noted that after determining that the terminal device has a near field communication device, the user end can be prompted to select a near field communication payment method. According to the near field communication payment method selected by the user, the system will automatically control the near field communication driver plug-in to call the application program of the near field communication device of the terminal device, with the purpose of starting the card reading function of the near field communication device of the terminal device, so that the terminal device can identify and read the information on the financial card. Calling the application program of the near field communication device by the near field communication driver plug-in can ensure that the instructions of the payment system can be accurately transmitted to the near field communication hardware, thereby starting the card reading process.

[0061] The embodiment of the present invention uses near-field communication technology to achieve direct information interaction between near-field communication devices and financial cards, eliminating the need for manual input of payment information, such as card number, expiration date and other sensitive data. In the payment process, the transmission of payment information is automatically completed by the near-field communication device, and the communication between devices is based on short-range wireless technology, and the information is encrypted and protected during the communication process. This direct and encrypted interaction between devices reduces the exposure time of payment information during the user input process, reduces the risk of information being intercepted or monitored, and improves the security of user information and funds.

[0062] Optionally, when the terminal device has a near field communication device, the step of controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device includes: when the terminal device has the near field communication device, adding the near field communication payment method to the payment method list of the user terminal; receiving the payment method selected by the user terminal, and when the user terminal selects the near field communication payment method, controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device where the user terminal is located.

[0063] It should be noted that when the terminal device has a near-field communication device, the system provides users with a safer and more convenient payment option. Once the hardware check plug-in confirms that the terminal device supports the near-field communication payment function, the front-end interface of the payment system will automatically add a near-field communication payment option to the payment method list, so that users have the right to choose independently and provide users with a more convenient payment method. Through the near-field communication payment method, especially for those who prefer to use contactless payment, the emergence of this option will greatly enhance the payment experience. When the user chooses the near-field communication payment method, the system's logical flow will jump to the near-field communication payment processing line, including controlling the near-field communication driver plug-in, calling the application of the near-field communication device, and providing card reading guidance to the user.

[0064] Optionally, after determining whether the terminal device where the user terminal is located has a near-field communication device based on the configuration information, it also includes: obtaining a device model of the terminal device based on the configuration information; querying the location information of the near-field communication device on the terminal device based on the device model; generating a card reading prompt information based on the location information, and displaying the card reading prompt information to the user interface of the user terminal.

[0065] It should be noted that when a user selects the NFC payment method for online payment, the location of the NFC device configured on the device is different due to the different user-side terminal devices. For example, the NFC card reader of some laptops may be located in the palm rest area or the back area, while the NFC sensor of the mobile terminal may be located at the top of the back of the device. In order to improve payment efficiency, the device model of the terminal device can be determined through the pre-read configuration information, and the specific location of the NFC device on the terminal device can be accurately located to provide users with more accurate card reading guidance. Based on the device model query database, the location information of the NFC device on the terminal device of the model is obtained, and the card reading prompt information is generated based on the location information, and the card reading prompt information is displayed on the user interface of the user end. The card reading prompt information can include text instructions, picture examples, or dynamic video demonstrations to guide users on how to correctly place the financial card on the NFC device. By displaying these card reading prompt information, users can intuitively understand the correct operation method, reduce the payment failure rate caused by improper operation, and improve the user's payment experience.

[0066] Step S204, encrypt the card information to obtain encrypted card information, and perform online payment processing based on the encrypted card information to obtain a payment result.

[0067] It should be noted that in order to protect the user's information security and financial security, when the near-field communication device reads the sensitive information of the financial card, such as the card number and expiration date, the above card information needs to be encrypted. The purpose of encrypting card information is to protect user data and prevent it from being illegally intercepted or cracked during transmission. The selection of encryption algorithm needs to consider encryption speed, security, and compatibility with the issuing bank and card organization. After the card information is encrypted to obtain the encrypted card information, the encrypted card information is transmitted to the acquiring system of the financial institution. The acquiring system performs the deduction operation through interaction with the card organization and the issuing bank, completes the online payment, and then obtains the payment result. The payment result is the voucher for the merchant system to ship the goods.

[0068] Optionally, the steps of performing online payment processing based on encrypted card information include: transmitting the encrypted card information to the acquiring system of the financial institution, and decrypting the encrypted card information through the acquiring system; verifying the commodity purchase transaction through the acquiring system to obtain a verification result; when the verification result indicates that the commodity purchase transaction has passed the verification, forwarding the commodity purchase transaction information and the decrypted card information to the card organization to which the financial card belongs through the acquiring system; marking the commodity purchase transaction as an online transaction through the card organization, and generating a deduction request based on the card information and the commodity purchase transaction information; forwarding the deduction request to the issuing bank through the card organization, and executing the deduction operation through the issuing bank to complete the online payment.

[0069] It should be noted that when processing payments, the system first transmits the encrypted card information to the acquiring system of the financial institution, decrypts the encrypted card information through the acquiring system, and obtains the decrypted card information. The acquiring system will verify the product purchase transaction. If the verification is passed, it will interact with the card organization and forward the product purchase transaction information and the decrypted card information to the card organization corresponding to the financial card through the routing gateway. The card organization will mark this product purchase transaction as an online transaction and record this product purchase transaction. It will generate a deduction request based on the card information and the product purchase transaction information, and request the issuing bank to perform the deduction operation. If the issuing bank successfully deducts the money, the online payment is completed.

[0070] Optionally, the step of verifying the commodity purchase transaction through the acquiring system to obtain the verification result includes: verifying through the acquiring system whether the financial card is in an abnormal financial state to obtain a card state verification result, wherein the abnormal financial state includes one of the following: lost state, frozen state, invalid state, and the invalid state is used to indicate that the financial card has exceeded the validity period; comparing the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system through the acquiring system to obtain a comparison result, and obtaining a price verification result based on the comparison result; verifying through the acquiring system whether the commodity transaction amount is within the limit of the financial card to obtain a limit verification result; and obtaining a final verification result based on the card state verification result, the price verification result and the limit verification result.

[0071] It should be noted that the verification step in the payment process is essential to verify the status of the financial card, the matching of the transaction amount and the price of the goods, and the coverage of the card limit. If the financial card does not meet the verification requirements, there is no need to execute the subsequent interaction process and return the response result of payment failure to the user end to improve processing efficiency.

[0072] Specifically, when performing verification, it is first necessary to confirm whether the financial card is in a lost, frozen or invalid status to avoid using invalid or risky cards for transactions. After receiving the payment request, the acquiring system first calls the card organization's interface or queries the internal database to verify whether the card is in a normal state. This process includes checking whether the card has been reported lost by the cardholder, whether it has been frozen (such as due to fraud risk or account abnormality), and whether the card has expired, that is, it has reached an invalid state, thereby obtaining the card status verification result; secondly, it is necessary to ensure that the transaction amount recorded in the commodity purchase transaction information matches the actual price of the commodity in the merchant system to prevent transaction accidents caused by incorrect amounts; the acquiring system compares the commodity transaction amount in the commodity purchase transaction information with the price of the commodity in the merchant system, and obtains the price verification result based on the comparison result. If the amounts are consistent, it means that the commodity price verification has passed; otherwise, there may be errors or fraud, and the transaction needs to be further verified; further, the verification operation also includes verifying whether the commodity transaction amount is within the available credit limit of the financial card, and obtaining the credit limit verification result. The acquiring system will query the card credit information provided by the issuing bank, or obtain the available credit limit of the card in real time through the interface of the card organization, and then compare it with the commodity transaction amount. If the commodity transaction amount is less than or equal to the available credit limit of the card, the credit limit verification has passed; otherwise, the transaction may be rejected due to insufficient credit limit. The final verification result is obtained based on the above card status verification results, price verification results and credit limit verification results. When all three verifications are passed, it is determined that the financial card has passed the verification and can enter the deduction process.

[0073] Optionally, after performing online payment processing based on the encrypted card information and obtaining the payment result, it also includes: after the payment result indicates that the payment is successful, generating a payment success certificate through the acquiring system, and sending the payment success certificate to the user end, wherein the payment success certificate includes the payment confirmation number, payment time, payment amount and payment status; synchronizing the payment success certificate to the merchant system through the acquiring system, and the merchant system provides commodity delivery service through the payment success certificate.

[0074] It should be noted that after the payment result indicates that the payment is successful, the acquiring system will generate a payment success certificate to respond to the user's request to purchase the product. At the same time, the payment success certificate is also the certificate for the merchant system to provide product delivery services. The payment success certificate can include payment confirmation number, payment time, payment amount, payment status and other information. Generating a payment success certificate can ensure the transparency and visibility of the transaction process and enhance the user experience.

[0075] Through the above steps, a commodity purchase request from the user end is received, a hardware check plug-in is loaded based on the commodity purchase request, and the configuration information of the terminal device where the user end is located is read through the hardware check plug-in, and whether the terminal device has a near-field communication device is determined based on the configuration information. Then, if the terminal device has a near-field communication device, the near-field communication driver plug-in is controlled to call the application of the near-field communication device of the terminal device, and the application is used to drive the near-field communication device to read the financial card to obtain the card information of the financial card, and finally the card information is encrypted to obtain the encrypted card information, and online payment processing is performed based on the encrypted card information to obtain the payment result.

[0076] In this embodiment, when making online payment, a hardware check plug-in is loaded based on a commodity purchase request submitted by a user end to determine whether the terminal device of the user end has a near field communication device. For a user end with a near field communication device, a payment method based on near field communication technology is provided to the user, thereby driving the near field communication device of the user end to read a financial card without manually inputting card information. The read financial card related information is encrypted, and online payment is completed based on the encrypted card information, thereby preventing the read financial card related information from being intercepted, ensuring user information security and fund security, achieving the purpose of automated online payment, and obtaining the technical effect of improving payment efficiency and payment security, thereby solving the technical problem in the related technology that when making online payment, financial card information needs to be manually input for payment, resulting in low payment efficiency and low payment security.

[0077] Another optional specific implementation is described in detail below.

[0078] Figure 3 is a schematic diagram of an optional online payment process based on near field communication technology according to an embodiment of the present invention, such as Figure 3 As shown in the figure, the online payment process based on near field communication technology specifically includes:

[0079] Step 1: The user selects a product in the mall system;

[0080] The user browses the mall of the merchant providing acquiring services, selects the corresponding physical or virtual goods, and clicks to purchase and pay;

[0081] Step 2: Go to the cashier page and read the configuration information of the current device through the hardware check plug-in;

[0082] According to the commodity purchase request of the user, the merchant's order details page jumps to the cashier page provided by a financial institution, and the user is prompted on the page whether to agree to load the hardware check plug-in, which is used to drive the reading of the configuration information of the current device and determine whether the terminal device is equipped with a near-field communication device;

[0083] Step 3: Determine whether the current device is configured as an NFC device (i.e., near field communication device) through the configuration information, and if so, prompt the user;

[0084] If it is determined that the current terminal device is equipped with an NFC device, the near field communication payment method will be displayed under the payment methods that the user can choose, prompting the user to use a physical contactless card or an NFC simulated card for online payment.

[0085] Step 4: Read the financial card and obtain the card information;

[0086] After the user confirms the NFC payment method, the location information of the NFC device on the terminal device is determined according to the configuration information of the terminal device, and the card reading prompt information is displayed to the user according to the location information, prompting the user to place the card at the designated location;

[0087] Control the near field communication driver plug-in to call the application of the NFC device, and drive the NFC device through the application to perform card reading operations according to the prompt information, read the financial card, and obtain the card information of the financial card, including the card number, expiration date and other information, and read the EMV chip card data according to the card organization standard to which the card belongs.

[0088] Step 5, encrypting the sensitive data of the card information to obtain encrypted card information;

[0089] The read card number and validity period information are encrypted and transformed using an encryption module to prevent illegal software on the user's terminal device from monitoring data and ensure the security of user information and funds.

[0090] Step 6: Transmit the encrypted card information to the acquiring system of the financial institution, and process the payment through the acquiring system;

[0091] The acquiring system processes the deductions through routing forwarding between the card organization and the issuing bank. Specifically,

[0092] Step 1: The acquiring system decrypts the encrypted information and performs verification based on the decrypted card information;

[0093] The verification operation may include: merchant information check, merchant acceptance authority check and other processes, and review whether the payment order amount information is consistent with the merchant request information.

[0094] Step 2: If the verification is passed, the acquiring system routes the card information and transaction information (corresponding to the above-mentioned commodity purchase transaction information) to the card organization to which the financial card belongs;

[0095] Step 3: The card organization marks the commodity purchase transaction and requests the issuing bank to deduct the payment;

[0096] The acquiring system routes and forwards the card information, transaction currency, amount and other transaction information according to the card organization to which the card belongs, and marks the transaction as an off-site online payment transaction through the card organization.

[0097] Step 4: The issuing bank successfully deducts the payment and returns the deduction result to the acquiring system;

[0098] Step 5: The acquiring system generates a payment processing result based on the deduction result.

[0099] Step 7: The system receives the payment processing result and determines whether the payment is successful. If the payment is successful, the payment result is transmitted to the user end and the merchant system.

[0100] The acquiring system sends the debit result (i.e. payment result) to the cashier for display, prompting the user that the payment is successful. After the preset countdown time is completed, the system jumps back to the merchant system and prompts the user about the delivery time or the method of collecting the virtual goods according to the information fed back by the merchant system.

[0101] The embodiment of the present invention is based on the method in which users use physical cards or virtual cards to make payments, and adopts a near-field communication driver plug-in to call the near-field communication device on the user's terminal device to interact with the acquiring system and the financial card, so as to complete the payment information collection and online payment. When making online payments, there is no need to pay too much attention to the user's payment environment and device parameters and other information. The manual input of payment information is upgraded to direct interaction between devices without human intervention, and the overall security is higher, thereby simplifying the payment process and improving payment efficiency and payment security.

[0102] The following is a detailed description in conjunction with another embodiment.

[0103] Embodiment 2

[0104] An online payment device based on near field communication technology provided in this embodiment includes multiple implementation units, each of which corresponds to each implementation step in the above-mentioned embodiment 1. Its specific implementation methods and beneficial effects can refer to the above-mentioned method embodiments and will not be repeated here.

[0105] Figure 4 is a schematic diagram of an optional online payment device based on near field communication technology according to an embodiment of the present invention. Figure 4 As shown, the online payment device based on near field communication technology may include: a receiving unit 41, a determining unit 42, a reading unit 43, and a payment unit 44, wherein:

[0106] The receiving unit 41 is used to receive a commodity purchase request from a user terminal and load a hardware inspection plug-in based on the commodity purchase request;

[0107] A determination unit 42, configured to read configuration information of a terminal device where the user terminal is located through a hardware check plug-in, and determine whether the terminal device has a near field communication device based on the configuration information;

[0108] The reading unit 43 is used to control the near field communication driver plug-in to call the application of the near field communication device of the terminal device when the terminal device has a near field communication device, and use the application to drive the near field communication device to read the financial card to obtain the card information of the financial card;

[0109] The payment unit 44 is used to encrypt the card information to obtain the encrypted card information, and perform online payment processing based on the encrypted card information to obtain a payment result.

[0110] The above-mentioned online payment device based on near-field communication technology receives a commodity purchase request from a user terminal through a receiving unit 41, and loads a hardware check plug-in based on the commodity purchase request; reads the configuration information of the terminal device where the user terminal is located through the hardware check plug-in through a determining unit 42, and determines whether the terminal device has a near-field communication device based on the configuration information; controls the near-field communication driver plug-in to call the application of the near-field communication device of the terminal device through a reading unit 43 when the terminal device has a near-field communication device, and uses the application to drive the near-field communication device to read the financial card to obtain the card information of the financial card; encrypts the card information through a payment unit 44 to obtain encrypted card information, and performs online payment processing based on the encrypted card information to obtain a payment result.

[0111] In this embodiment, when making online payment, a hardware check plug-in is loaded based on a commodity purchase request submitted by a user end to determine whether the terminal device of the user end has a near field communication device. For a user end with a near field communication device, a payment method based on near field communication technology is provided to the user, thereby driving the near field communication device of the user end to read a financial card without manually inputting card information. The read financial card related information is encrypted, and online payment is completed based on the encrypted card information, thereby preventing the read financial card related information from being intercepted, ensuring user information security and fund security, achieving the purpose of automated online payment, and obtaining the technical effect of improving payment efficiency and payment security, thereby solving the technical problem in the related technology that when making online payment, financial card information needs to be manually input for payment, resulting in low payment efficiency and low payment security.

[0112] Optionally, the online payment device based on near-field communication technology also includes: a first acquisition module, used to acquire the device model of the terminal device based on the configuration information; a first query module, used to query the location information of the near-field communication device on the terminal device based on the device model; a first display module, used to generate card reading prompt information based on the location information, and display the card reading prompt information to the user interface of the user end.

[0113] Optionally, the payment unit 44 includes: a first transmission module, used to transmit the encrypted card information to the acquiring system of the financial institution, and decrypt the encrypted card information through the acquiring system; a first verification module, used to verify the commodity purchase transaction through the acquiring system to obtain a verification result; a first forwarding module, used to forward the commodity purchase transaction information and the decrypted card information to the card organization to which the financial card belongs through the acquiring system when the verification result indicates that the commodity purchase transaction has passed the verification; a first generation module, used to mark the commodity purchase transaction as an online transaction through the card organization, and generate a deduction request based on the card information and the commodity purchase transaction information; a first deduction module, used to forward the deduction request to the issuing bank through the card organization, execute the deduction operation through the issuing bank, and complete the online payment.

[0114] Optionally, the first verification module includes: a first verification submodule, used to verify whether the financial card is in an abnormal financial state through the acquiring system, and obtain a card state verification result, wherein the abnormal financial state includes one of the following: lost state, frozen state, invalid state, and the invalid state is used to indicate that the financial card has exceeded the validity period; a first comparison submodule, used to compare the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system through the acquiring system, and obtain a comparison result, and obtain a price verification result based on the comparison result; a second verification submodule, used to verify whether the commodity transaction amount is within the financial card limit through the acquiring system, and obtain a limit verification result; a second acquisition module, used to obtain a final verification result based on the card state verification result, the price verification result and the limit verification result.

[0115] Optionally, the online payment device based on near-field communication technology also includes: a second generation module, which is used to generate a payment success certificate through the acquiring system after the payment result indicates that the payment is successful, and send the payment success certificate to the user end, wherein the payment success certificate includes the payment confirmation number, payment time, payment amount and payment status; a first synchronization module, which is used to synchronize the payment success certificate to the merchant system through the acquiring system, and the merchant system provides a product delivery service through the payment success certificate.

[0116] Optionally, the online payment device based on near-field communication technology also includes: a first adding module, used to add a near-field communication payment method to the payment method list of the user terminal when the terminal device has a near-field communication device; a first control module, used to receive the payment method selected by the user terminal, and when the user terminal selects the near-field communication payment method, control the near-field communication driver plug-in to call the application program of the near-field communication device of the terminal device where the user terminal is located.

[0117] Optionally, the receiving unit 41 also includes: a first detection module, used to detect whether the user terminal has installed a hardware inspection plug-in and obtain a detection result; a first prompt module, used to issue a prompt message when the detection result indicates that the user terminal has not installed the hardware inspection plug-in, wherein the prompt message is used to prompt the user terminal to install the hardware inspection plug-in; a first loading module, used to load the hardware inspection plug-in when the detection result indicates that the user terminal has installed the hardware inspection plug-in.

[0118] It should be noted that the receiving unit 41, the determining unit 42, the reading unit 43, and the payment unit 44 correspond to steps S201 to S204 in the first embodiment, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above modules or units can also be part of the device and can be run in the computer terminal 10 provided in the first embodiment.

[0119] The present invention is described below in conjunction with another optional embodiment.

[0120] Embodiment 3

[0121] An embodiment of the present invention may also provide an electronic device, Figure 5 is a hardware structure block diagram of an electronic device (or mobile device) for executing an online payment method based on near field communication technology according to an embodiment of the present invention, such as Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (only one is shown) processor 502, memory 504, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0122] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0123] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receive a commodity purchase request from the user end, and load a hardware inspection plug-in based on the commodity purchase request; read the configuration information of the terminal device where the user end is located through the hardware inspection plug-in, and determine whether the terminal device has a near-field communication device based on the configuration information; in the case where the terminal device has a near-field communication device, control the near-field communication driver plug-in to call the application of the near-field communication device of the terminal device, and use the application to drive the near-field communication device to read the financial card to obtain the card information of the financial card; encrypt the card information to obtain encrypted card information, and perform online payment processing based on the encrypted card information to obtain the payment result.

[0124] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: after determining whether the terminal device where the user end is located has a near-field communication device based on the configuration information, it also includes: obtaining the device model of the terminal device based on the configuration information; querying the location information of the near-field communication device on the terminal device based on the device model; generating card reading prompt information based on the location information, and displaying the card reading prompt information to the user interface of the user end.

[0125] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: the step of performing online payment processing based on encrypted card information, including: transmitting the encrypted card information to the acquiring system of the financial institution, and decrypting the encrypted card information through the acquiring system; verifying the commodity purchase transaction through the acquiring system to obtain a verification result; when the verification result indicates that the commodity purchase transaction has passed the verification, forwarding the commodity purchase transaction information and the decrypted card information to the card organization to which the financial card belongs through the acquiring system; marking the commodity purchase transaction as an online transaction through the card organization, and generating a deduction request based on the card information and the commodity purchase transaction information; forwarding the deduction request to the issuing bank through the card organization, and executing the deduction operation through the issuing bank to complete the online payment.

[0126] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: verifying the commodity purchase transaction through the acquiring system to obtain the verification result, including: verifying whether the financial card is in an abnormal financial state through the acquiring system to obtain a card state verification result, wherein the abnormal financial state includes one of the following: a reported lost state, a frozen state, an invalid state, and the invalid state is used to indicate that the financial card has exceeded the validity period; comparing the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system through the acquiring system to obtain a comparison result, and obtaining a price verification result based on the comparison result; verifying whether the commodity transaction amount is within the financial card limit through the acquiring system to obtain a limit verification result; and obtaining a final verification result based on the card state verification result, the price verification result and the limit verification result.

[0127] The processor can call the information and application stored in the memory through the transmission device to execute the following steps: after performing online payment processing based on the encrypted card information and obtaining the payment result, it also includes: after the payment result indicates that the payment is successful, generating a payment success certificate through the acquiring system, and sending the payment success certificate to the user end, wherein the payment success certificate includes the payment confirmation number, payment time, payment amount and payment status; synchronizing the payment success certificate to the merchant system through the acquiring system, and the merchant system provides commodity delivery services through the payment success certificate.

[0128] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: when the terminal device has a near field communication device, the step of controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device includes: when the terminal device has a near field communication device, adding the near field communication payment method to the payment method list of the user terminal; receiving the payment method selected by the user terminal, and when the user terminal selects the near field communication payment method, controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device where the user terminal is located.

[0129] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receiving a commodity purchase request from the user end, and loading a hardware inspection plug-in based on the commodity purchase request, including: detecting whether the user end has installed the hardware inspection plug-in to obtain a detection result; when the detection result indicates that the user end has not installed the hardware inspection plug-in, issuing a prompt message, wherein the prompt message is used to prompt the user end to install the hardware inspection plug-in; or, when the detection result indicates that the user end has installed the hardware inspection plug-in, loading the hardware inspection plug-in.

[0130] By adopting the embodiment of the present invention, an online payment scheme based on near field communication technology is provided. A hardware check plug-in is loaded through a commodity purchase request submitted by a user end to determine whether a near field communication device exists in the terminal device of the user end. For a user end with a near field communication device, a payment method based on near field communication technology is provided to the user, thereby driving the near field communication device of the user end to read a financial card without manually inputting card information, encrypting the read financial card related information, completing online payment based on the encrypted card information, avoiding the interception of the read financial card related information, ensuring the security of user information and funds, achieving the purpose of automated online payment, and achieving the technical effect of improving payment efficiency and payment security, thereby solving the technical problem in the related technology that when making online payment, financial card information needs to be manually input for payment, and the payment efficiency and payment security are low.

[0131] It can be understood by those skilled in the art that Figure 5 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 5 The structure of the electronic device is not limited. Figure 5 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 5 Different configurations shown.

[0132] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0133] The present invention is described below in conjunction with another optional embodiment.

[0134] Embodiment 4

[0135] The embodiment of the present invention further provides a computer-readable storage medium. Optionally, in the embodiment of the present invention, the computer-readable storage medium can be used to store the program code executed by the online payment method based on near field communication technology provided in the first embodiment.

[0136] Optionally, in an embodiment of the present invention, the above-mentioned storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0137] The embodiment of the present invention also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of an online payment method based on near-field communication technology: receiving a commodity purchase request from a user terminal, and loading a hardware check plug-in based on the commodity purchase request; reading configuration information of a terminal device where the user terminal is located through the hardware check plug-in, and determining whether the terminal device has a near-field communication device based on the configuration information; in the case where the terminal device has a near-field communication device, controlling the near-field communication driver plug-in to call an application of the near-field communication device of the terminal device, and using the application to drive the near-field communication device to read a financial card to obtain card information of the financial card; encrypting the card information to obtain encrypted card information, and performing online payment processing based on the encrypted card information to obtain a payment result.

[0138] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0139] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0140] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0141] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0142] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0143] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0144] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. An online payment method based on near field communication technology, characterized in that: include: receiving a commodity purchase request from a user terminal, and loading a hardware inspection plug-in based on the commodity purchase request; Reading configuration information of the terminal device where the user terminal is located through a hardware check plug-in, and determining whether the terminal device has a near field communication device based on the configuration information; In the case where the terminal device has the near field communication device, controlling the near field communication driver plug-in to call the application of the near field communication device of the terminal device, and using the application to drive the near field communication device to read the financial card to obtain the card information of the financial card; The card information is encrypted to obtain encrypted card information, and online payment processing is performed based on the encrypted card information to obtain a payment result.

2. The method according to claim 1, characterized in that After determining whether the terminal device where the user terminal is located has a near field communication device based on the configuration information, the method further includes: Acquire a device model of the terminal device based on the configuration information; Querying the location information of the near field communication device on the terminal device based on the device model; Generate card reading prompt information based on the location information, and display the card reading prompt information on the user interface of the user terminal.

3. The method according to claim 1, characterized in that The steps of performing online payment processing based on the encrypted card information include: Transmitting the encrypted card information to an acquiring system of a financial institution, and decrypting the encrypted card information through the acquiring system; Verifying the commodity purchase transaction through the acquiring system to obtain a verification result; If the verification result indicates that the commodity purchase transaction has passed the verification, forwarding the commodity purchase transaction information and the decrypted card information to the card organization to which the financial card belongs through the acquiring system; Marking the commodity purchase transaction as an online transaction through the card organization, and generating a deduction request based on the card information and the commodity purchase transaction information; The card organization forwards the deduction request to the card issuing bank, and the card issuing bank executes the deduction operation to complete the online payment.

4. The method according to claim 3, characterized in that The step of verifying the commodity purchase transaction through the acquiring system to obtain the verification result includes: Verifying whether the financial card is in an abnormal financial state through the acquiring system, and obtaining a card state verification result, wherein the abnormal financial state includes one of the following: a reported loss state, a frozen state, and an invalid state, wherein the invalid state is used to indicate that the financial card has exceeded its validity period; The acquiring system compares the commodity transaction amount recorded in the commodity purchase transaction information with the commodity price in the merchant system to obtain a comparison result, and obtains a price verification result according to the comparison result; Verifying through the acquiring system whether the commodity transaction amount is within the credit limit of the financial card, and obtaining a credit limit verification result; The final verification result is obtained based on the card status verification result, the price verification result and the limit verification result.

5. The method according to claim 1, characterized in that After performing online payment processing based on the encrypted card information and obtaining a payment result, the method further includes: After the payment result indicates that the payment is successful, a payment success certificate is generated through the acquiring system, and the payment success certificate is sent to the user terminal, wherein the payment success certificate includes the payment confirmation number, payment time, payment amount and payment status; The payment success certificate is synchronized to the merchant system through the acquiring system, and the merchant system provides commodity delivery service based on the payment success certificate.

6. The method according to claim 1, characterized in that In the case where the terminal device has the near field communication device, the step of controlling the near field communication driver plug-in to call the application program of the near field communication device of the terminal device comprises: In the case where the terminal device has the near field communication device, adding a near field communication payment method to the payment method list of the user terminal; The payment method selected by the user terminal is received, and when the user terminal selects the near field communication payment method, the near field communication driver plug-in is controlled to call an application program of a near field communication device of a terminal device where the user terminal is located.

7. The method according to claim 1, characterized in that The step of receiving a commodity purchase request from a user terminal and loading a hardware inspection plug-in based on the commodity purchase request includes: Detecting whether the user terminal has installed the hardware check plug-in and obtaining a detection result; When the detection result indicates that the user terminal has not installed the hardware check plug-in, a prompt message is issued, wherein the prompt message is used to prompt the user terminal to install the hardware check plug-in; or When the detection result indicates that the hardware check plug-in has been installed on the user terminal, the hardware check plug-in is loaded.

8. An online payment device based on near field communication technology, characterized in that: include: A receiving unit, configured to receive a commodity purchase request from a user terminal, and load a hardware inspection plug-in based on the commodity purchase request; A determination unit, configured to read configuration information of the terminal device where the user terminal is located through a hardware check plug-in, and determine whether the terminal device has a near field communication device based on the configuration information; a reading unit, configured to control the near field communication driver plug-in to call the application of the near field communication device of the terminal device when the terminal device has the near field communication device, and use the application to drive the near field communication device to read the financial card to obtain the card information of the financial card; The payment unit is used to encrypt the card information to obtain the encrypted card information, and perform online payment processing based on the encrypted card information to obtain a payment result.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the online payment method based on near field communication technology as described in any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the online payment method based on near field communication technology as described in any one of claims 1 to 7.

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