Deduction service execution method and device, storage medium and electronic equipment

Abstract

The invention discloses a withholding service execution method and device, a storage medium and electronic equipment. In the withholding service execution method provided by the specification, a withholding request sent by a near field communication (NFC) card reader is received, the withholding request is sent when the NFC card reader detects an NFC card of a target user, and the withholding request at least comprises payment information and a secret key contained in the NFC card; the secret key is decrypted to obtain a withholding protocol corresponding to the secret key, the withholding protocol is signed with the monitoring user in advance, the secret key is generated according to the withholding protocol in advance, and the monitoring user and the target user have a monitoring relation; and executing withholding service according to the payment information and the withholding protocol. By adopting the method, special groups who are inconvenient to operate or hold mobile equipment can be helped to enjoy the convenience of mobile payment, meanwhile, the special groups are protected from being threatened by property cheating of malicious users or merchants, and the experience of the special groups in daily consumption is greatly improved.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a method, device, storage medium and electronic device for executing a debit card service. Background Art

[0002] Nowadays, mobile payment technology has developed to a very mature level. Compared with traditional cash payment, mobile payment is safer, more convenient and faster. All fund management operations can be completed with just one mobile device, bringing great convenience to people's daily lives.

[0003] However, certain groups, such as the elderly and children, find it difficult to enjoy the convenience brought by mobile payment because they are not convenient to operate or do not have personal mobile devices. At the same time, in scenarios such as QR code payment, these groups are also likely to become targets of fraud by malicious people due to their lack of relevant knowledge and security awareness of mobile payment, resulting in loss of interests.

[0004] Therefore, how to help specific groups enjoy the convenience of mobile payment while protecting their interests from being harmed is an urgent issue to be resolved. Summary of the invention

[0005] The present specification provides a method, device, storage medium and electronic device for executing a debit card service to at least partially solve the above-mentioned problems existing in the prior art.

[0006] This manual adopts the following technical solutions:

[0007] This specification provides a method for executing a debit card service, which is applied to a service platform and includes:

[0008] Receiving a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card;

[0009] Decrypting the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance according to the withholding agreement, and there is a guardianship relationship between the guardian user and the target user;

[0010] Execute the withholding service according to the payment information and the withholding agreement.

[0011] Optionally, a debit agreement is signed with the guardian user in advance, including:

[0012] In response to receiving a contract signing request initiated by a guardian user, determining a debit account selected by the guardian user and a debit amount set by the guardian user;

[0013] Generate a withholding agreement according to the withholding account and the withholding amount, and send the withholding agreement to the guardian user;

[0014] In response to the guardian user determining to sign the withholding agreement, the withholding agreement is signed with the guardian user.

[0015] Optionally, generating a key in advance according to the withholding agreement specifically includes:

[0016] Create an agreement number corresponding to the withholding agreement;

[0017] Encrypting the protocol number to obtain a key for the protocol number;

[0018] The key is decrypted to obtain the withholding agreement corresponding to the key, which specifically includes:

[0019] Decrypting the key to obtain the protocol number;

[0020] Determine the withholding agreement corresponding to the agreement number.

[0021] Optionally, the payment information includes at least a merchant account and a payment amount;

[0022] According to the withholding agreement and the payment information, the withholding service is executed, specifically including:

[0023] Identify the withholding accounts included in the withholding agreement;

[0024] The withholding service is completed according to the withholding account, the payment amount and the merchant account.

[0025] Optionally, completing the withholding service according to the withholding account, the payment amount, and the merchant account specifically includes:

[0026] Determine the withholding amount included in the withholding agreement;

[0027] When the payment amount is greater than the withholding amount, the withholding service will be canceled;

[0028] When the payment amount is not greater than the withholding amount, the payment amount is transferred from the withholding account to the merchant account to complete the withholding service.

[0029] This specification provides a method for executing a direct payment service, which is applied to an NFC card reader and includes:

[0030] In response to detecting an NFC card of a target user, reading a key contained in the NFC card;

[0031] The payment information and the key are sent to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

[0032] This specification provides a method for manufacturing an NFC card, wherein the NFC card is used to enable a target user in a method for executing a direct payment service provided in this specification to perform mobile payment, the method comprising:

[0033] In response to receiving a contract signing request initiated by a guardian user, signing a debit agreement with the guardian user, where a guardianship relationship exists between the guardian user and the target user;

[0034] Generate a key according to the withholding agreement;

[0035] The key is written into an NFC chip, and an NFC card is made using the NFC chip.

[0036] This specification provides a system for executing a debit card service, the system comprising an NFC card reader and a service platform;

[0037] The NFC card reader is used to detect the NFC card of the target user, read the key contained in the NFC card, and send the payment information and the key to the service platform;

[0038] The service platform is used to sign a debit agreement with the guardian user in advance, generate a key in advance according to the debit agreement, receive the payment information and the key sent by the NFC card reader, decrypt the key to obtain the debit agreement, and perform the debit service according to the payment information and the debit agreement;

[0039] There is a guardianship relationship between the guardian user and the target user, and the information carried by the NFC card includes the key.

[0040] This specification provides a device for executing a debit card service, including:

[0041] A receiving module, configured to receive a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card;

[0042] A decryption module, used to decrypt the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance according to the withholding agreement, and there is a guardianship relationship between the guardian user and the target user;

[0043] An execution module is used to execute the withholding service according to the payment information and the withholding agreement.

[0044] Optionally, the device also includes a signing module, which is specifically used to determine the withholding account selected by the guardian user and the withholding amount set by the guardian user in response to receiving a signing request initiated by the guardian user; generate a withholding agreement based on the withholding account and the withholding amount, and send the withholding agreement to the guardian user; in response to the guardian user determining to sign the withholding agreement, sign the withholding agreement with the guardian user.

[0045] Optionally, the device further comprises a generating module, which is specifically used to create an agreement number corresponding to the withholding agreement; encrypt the agreement number to obtain a key of the agreement number;

[0046] The decryption module is specifically used to decrypt the key to obtain the agreement number; and determine the withholding agreement corresponding to the agreement number.

[0047] Optionally, the payment information includes at least a merchant account and a payment amount;

[0048] The execution module is specifically used to determine the withholding account included in the withholding agreement; and complete the withholding service according to the withholding account, the payment amount, and the merchant account.

[0049] Optionally, the execution module is specifically used to determine the withholding amount included in the withholding agreement; when the payment amount is greater than the withholding amount, cancel the withholding service; when the payment amount is not greater than the withholding amount, transfer the payment amount from the withholding account to the merchant account to complete the withholding service.

[0050] This specification provides a device for executing a debit card service, including:

[0051] A reading module, configured to read a key contained in the NFC card in response to detecting the NFC card of the target user;

[0052] A sending module is used to send the payment information and the key to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

[0053] This specification provides an NFC card manufacturing device, including:

[0054] A response module, configured to sign a debit agreement with the guardian user in response to receiving a signing request initiated by the guardian user, wherein the guardian user has a guardianship relationship with the target user;

[0055] A generation module, used to generate a key according to the withholding agreement;

[0056] The making module is used to write the key into the NFC chip and use the NFC chip to make an NFC card.

[0057] This specification provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned debit card service execution and / or NFC card manufacturing method is implemented.

[0058] This specification provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned debit service execution and / or NFC card method when executing the program.

[0059] At least one of the above technical solutions adopted in this specification can achieve the following beneficial effects:

[0060] In the method for executing the debit payment service provided in the present specification, a debit payment request sent by a near field communication NFC card reader is received, the debit payment request is sent when the NFC card reader detects the NFC card of the target user, and the debit payment request includes at least payment information and a key contained in the NFC card; the key is decrypted to obtain a debit payment agreement corresponding to the key, the debit payment agreement is signed in advance with a guardian user, the key is generated in advance based on the debit payment agreement, and there is a guardianship relationship between the guardian user and the target user; and the debit payment service is executed based on the payment information and the debit payment agreement.

[0061] When using the deduction service execution method provided in this manual to deduct money, after the guardian user signs a deduction agreement with the service provider, the target user can use a physical NFC card to replace a mobile device or other electronic device to make a mobile payment, and the service provider operates the guardian user's account to make the payment to achieve the deduction. This method can help special groups who are not convenient to operate or hold mobile devices to enjoy the convenience of mobile payment, while protecting special groups from the threat of malicious users or merchants defrauding property, greatly improving the experience of special groups in daily consumption. BRIEF DESCRIPTION OF THE DRAWINGS

[0062] The drawings described herein are used to provide a further understanding of this specification and constitute a part of this specification. The illustrative embodiments and descriptions of this specification are used to explain this specification and do not constitute an improper limitation on this specification. In the drawings:

[0063] Figure 1 A flowchart of a method for executing a withholding service provided in this specification and applied to a service provider;

[0064] Figure 2 A flowchart of a method for executing a debit card service applied to an NFC card reader provided in this specification;

[0065] Figure 3 A schematic diagram of the interaction between the terminals involved in the withholding service provided in this specification;

[0066] Figure 4 A schematic diagram of a method for manufacturing an NFC card provided in this specification;

[0067] Figure 5 This is an interactive schematic diagram of the NFC card manufacturing process provided in this manual;

[0068] Figure 6 A schematic diagram of the system structure of a debit card service execution system provided in this specification;

[0069] Figure 7 A schematic diagram of a device for executing a debit service provided in this specification and applied to a service platform;

[0070] Figure 8 A schematic diagram of a device for executing a debit card service applied to an NFC card reader provided in this specification;

[0071] Fig. 9 A schematic diagram of an NFC card manufacturing device provided in this specification;

[0072] Fig.10 A method corresponding to the Figure 1 Schematic diagram of electronic equipment. DETAILED DESCRIPTION

[0073] At present, Near Field Communication (NFC) payment is rapidly becoming popular, and more and more merchants have NFC machines. Based on the characteristics of NFC physical contact, this application develops a simple, efficient and secure payment method to solve the daily consumption of special groups such as the elderly and children, and provide security and convenience for small payment scenarios such as guardians' management of living expenses for special groups.

[0074] In order to make the purpose, technical solutions and advantages of this specification more clear, the technical solutions of this specification will be clearly and completely described below in combination with the specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this specification.

[0075] The technical solutions provided by the embodiments of this specification are described in detail below in conjunction with the accompanying drawings.

[0076] Figure 1 This is a flow chart of a method for executing a debit card service provided in this specification and applied to a service platform, including the following steps:

[0077] S100: receiving a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card.

[0078] In this specification, the execution subject used to implement the method for executing the direct deduction service may refer to a designated device such as a server set up on the business platform. For the sake of ease of description, this specification only takes the server as the execution subject as an example to illustrate a method for executing the direct deduction service provided in this specification.

[0079] The method for executing the direct payment service provided in this specification mainly serves target users such as the elderly and children who are not convenient to use mobile devices for mobile payment. They are provided with NFC cards to replace mobile devices for mobile payment, and the service platform completes the direct payment service on the account provided by the guardian user who has signed the contract in advance. It should be emphasized that the NFC card involved in this method is a physical card, not an electronic card.

[0080] Based on the above idea, in this method, the process of executing the debit service will start with the target user holding the NFC card swiping the card on the NFC card reader deployed by the merchant to make a mobile payment. In response to the target user swiping the NFC card, the merchant's card reader will send a debit request to the service platform, and the service platform will receive the debit request accordingly.

[0081] The debit request sent by the NFC reader will contain at least payment information and a key. When the NFC reader detects an NFC card, it will read the key contained in the NFC card. Generally, the NFC reader itself does not integrate the decryption function of the key, so the key will be included in the debit request and sent to the service platform. At the same time, the NFC reader will also send the necessary payment information together with the debit request. The payment information can usually include, for example, the payment amount that needs to be debited by the target user of this transaction, and the merchant account of the merchant to receive the currency. This information can be set by the merchant on the NFC reader or an electronic device connected to the NFC reader.

[0082] S102: Decrypt the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance based on the withholding agreement, and there is a guardianship relationship between the guardian user and the target user.

[0083] After the service platform receives the key, it will perform the corresponding decryption operation on the key. Since the key is generated by the service platform itself, under normal circumstances, only the service platform can decrypt the key. By decrypting the key, the withholding agreement corresponding to the key can be found.

[0084] Before executing this method, the guardian user needs to sign a withholding agreement with the service platform. The withholding agreement is used to declare that the guardian user authorizes the service platform to use the guardian user's account to perform withholding operations. Among them, there is a guardianship relationship between the guardian user and the target user. In other words, the guardian user can be the guardian of the target user. After signing the withholding agreement, the service platform will generate a key corresponding to the withholding agreement based on the signed withholding agreement. Different withholding agreements generate different keys. In other words, the corresponding withholding agreement can be accurately locked according to the generated key.

[0085] When the service platform signs a withholding agreement with the guardian user in advance, the service platform can specifically, in response to receiving a signing request initiated by the guardian user, determine the withholding account selected by the guardian user and the withholding amount set by the guardian user; generate a withholding agreement based on the withholding account and the withholding amount, and send the withholding agreement to the guardian user; in response to the guardian user's determination to sign the withholding agreement, sign the withholding agreement with the guardian user.

[0086] When the target user consumes, the guardian user's account pays on his behalf. The execution of this process is the execution of the deduction service. When the service platform executes this process, that is, the process of calling the guardian user's account to pay on his behalf, it must obtain the guardian user's consent in advance. Therefore, it is not difficult to understand that the service platform's contract with the guardian user is the process of obtaining the guardian user's consent.

[0087] When the guardian user wishes to apply for the withholding service for the target user, he can initiate a contract request to the service platform through his own terminal devices, such as mobile phones, computers, etc., through the application software or applet provided by the service platform. After receiving the contract request initiated by the user, the service platform will call up the corresponding function, execute the pre-designed process, and sign a contract with the guardian user. During the contract signing process, the guardian user is required to provide the account used when paying on behalf of the target user, that is, the withholding account, and set the withholding amount allowed when making withholdings.

[0088] The setting of the withholding quota may include a single transaction quota, a daily quota, a weekly quota, a monthly quota, etc. In the withholding service execution method provided in this specification, the target users, that is, special groups such as the elderly and children, mainly consume small daily amounts, such as the purchase of meals, vegetables, daily necessities and other necessities or children's use of pocket money. By setting the withholding quota, it is possible to effectively avoid the target users from making huge deductions that should not occur due to malicious fraud or misoperation by merchants when swiping their cards to pay, thereby better protecting the interests of the target users.

[0089] After the service platform obtains the withholding account and withholding amount information selected by the guardian user, it can generate a withholding agreement based on this information. Of course, in addition to the withholding account and withholding amount, the withholding agreement will also include the rules and terms related to the withholding service pre-set by the service platform. The generated withholding agreement will be sent to the guardian user to seek the guardian user's consent. The guardian user can browse the withholding agreement through his own terminal, and after confirming that the content in the withholding agreement is accurate and in line with his intention, choose to agree to sign the contract on the terminal. After receiving the signal that the guardian user agrees to sign the contract, the service platform will make the withholding agreement effective and save the complete withholding agreement. On the contrary, if the guardian user does not approve of the content of the withholding agreement, he can choose the option of disagreeing on the terminal when browsing the withholding agreement, terminate the contract, and cancel the use of the withholding service. Of course, even after signing the contract, the guardian user can cancel the contract at any time, and the platform service party will stop the corresponding withholding service.

[0090] After signing the contract with the guardian user in advance, the key generation also needs to be completed in advance. When generating the key according to the withholding agreement, it can be specifically created to have an agreement number corresponding to the withholding agreement; the agreement number is encrypted to obtain the key of the agreement number. On this basis, the key is decrypted to obtain the withholding agreement corresponding to the key. Specifically, the key can be decrypted to obtain the agreement number; and the withholding agreement corresponding to the agreement number is determined.

[0091] In this method, in addition to conventional authentication, the key also requires the service provider to be able to find the corresponding withholding agreement when receiving the key. Therefore, the key needs to carry relevant information of the withholding agreement. Since the withholding agreement itself contains a large amount of content, the key directly converted from the withholding agreement through the encoding rule will be longer and inconvenient to use. Therefore, in order to solve this problem, when generating the key, this method will first create an agreement number for the withholding agreement and establish a corresponding relationship between the agreement number and the withholding agreement. The created agreement number is unique, that is, each different withholding agreement corresponds to a different agreement number, so that the unique corresponding withholding agreement can be locked according to the agreement number. At this time, the required key can be obtained by encrypting the agreement number. Compared with withholding agreements that contain more text and a larger amount of content, the agreement number is usually a shorter string composed of letters, numbers and symbols, so the key length converted from the agreement number will also be shorter, which increases the convenience of subsequent use.

[0092] In the above manner, when the service platform receives the debit request sent by the NFC card reader and decrypts the key carried therein, it will first obtain the decrypted protocol number, and then find the corresponding debit protocol based on the protocol number.

[0093] S104: Execute the withholding service according to the payment information and the withholding agreement.

[0094] Finally, the platform service provider can perform the withholding service according to the payment information contained in the received withholding request and the withholding agreement found after decrypting the key. As introduced in step S100, the payment information generally includes at least the merchant account and the payment amount. When performing the withholding service, the withholding account contained in the withholding agreement can be specifically determined; the withholding service is completed according to the withholding account, the payment amount, and the merchant account.

[0095] The withholding agreement includes the withholding account set by the guardian user when signing the contract in advance, which is the account that actually makes the payment during this withholding; the payment information includes the payment amount to be withheld for this transaction and the merchant account. When the service provider performs the withholding operation, the payment amount is transferred from the withholding account to the merchant account to complete the withholding service.

[0096] In addition, when executing the withholding service, it is also necessary to consider whether the withholding does not exceed the withholding amount. Specifically, the withholding amount included in the withholding agreement can be determined; when the payment amount is greater than the withholding amount, the withholding service is canceled; when the payment amount is not greater than the withholding amount, the payment amount is transferred from the withholding account to the merchant account to complete the withholding service.

[0097] It is not difficult to understand that the deduction amount is the maximum consumption amount of the target user set by the guardian user when using the NFC card for consumption. When executing the deduction service, it is preferred to determine whether the payment amount is not greater than the deduction amount. If so, the deduction is performed normally, otherwise the deduction is canceled. Of course, regardless of whether the deduction is successful, the transaction information can be sent to the guardian user so that the guardian user can better manage the target user's consumption using the NFC card. Furthermore, the deduction amount can include a single amount, a daily amount, a weekly amount, a monthly amount, etc. The above content introduces the specific method of detecting whether the payment amount exceeds the single amount each time consumption occurs. By analogy to the daily amount, weekly amount, monthly amount and other deduction amounts, the same logic can be used to replace the single payment amount with the cumulative payment amount under the corresponding time span, and this manual will not go into details here.

[0098] When using the deduction service execution method provided in this manual to deduct money, after the guardian user signs a deduction agreement with the service provider, the target user can use a physical NFC card to replace a mobile device or other electronic device to make a mobile payment, and the service provider operates the guardian user's account to make the payment to achieve the deduction. This method can help special groups who are not convenient to operate or hold mobile devices to enjoy the convenience of mobile payment, while protecting special groups from the threat of malicious users or merchants defrauding property, greatly improving the experience of special groups in daily consumption.

[0099] The above is the execution method of the debit service applied to the service platform of this specification. Based on the same idea, this specification also provides a corresponding execution method of the debit service applied to the merchant's NFC card reader, such as Figure 2 shown.

[0100] Figure 2 This is a flow chart of a method for executing a debit card service applied to an NFC card reader provided in this specification, comprising the following steps:

[0101] S200: In response to detecting an NFC card of a target user, reading a key contained in the NFC card.

[0102] S202: Send the payment information and the key to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

[0103] The method for executing the debit service applied to the NFC card reader provided in this specification is an execution method corresponding to the method for executing the debit service applied to the service platform. The specific content has been described in detail in the method for executing the debit service applied to the service platform provided in this specification, and this specification will not repeat it here.

[0104] Combined with the methods for executing the debit service provided in this specification and applied to the service platform and the NFC card reader respectively, Figure 3 Taking the example of this article, the overall process of executing the withholding service is completely sorted out. Figure 3 This is a schematic diagram of the interaction between the various terminals involved in the debit card service provided in this manual. Figure 3 As shown in the figure, after the target user selects the goods to be purchased, the merchant first sets the payment information on the NFC card reader. In general, the merchant account can be pre-set and does not need to be set again if there is no subsequent change. The payment amount is set on the spot according to the target user's selection of goods. After the merchant completes the setting, the target user can swipe the NFC card on the NFC card reader to start payment. After the NFC card reader reads the key contained in the NFC card, it will carry the key and payment information in the debit request and send it to the platform service provider. The platform service will decrypt the key, obtain the corresponding debit agreement, and then execute the debit operation. After completing the debit operation, it will send the consumption bill to the guardian user and the payment success notification to the merchant to complete this debit service.

[0105] The above is the execution method of the debit card service in this manual. Based on the same idea, this manual also provides a corresponding NFC card manufacturing method, such as Figure 4 shown.

[0106] Figure 4 This is a flow chart of a method for manufacturing an NFC card provided in this specification. The manufactured NFC card is used to enable the target user in the method for executing the direct debit service provided in this specification to perform mobile payment, which specifically includes the following steps:

[0107] S300: The NFC card reader is used to detect the NFC card of the target user, read the key contained in the NFC card, and send the payment information and the key to the service platform.

[0108] S302: The service platform is used to sign a debit agreement with the guardian user in advance, and generate a key according to the debit agreement in advance, receive the payment information and the key sent by the NFC card reader, decrypt the key to obtain the debit agreement, and perform the debit service according to the payment information and the debit agreement.

[0109] S304: There is a guardianship relationship between the guardian user and the target user, and the information carried by the NFC card includes the key.

[0110] Through the above-mentioned NFC card manufacturing method, the manufacturing of the NFC card used in the method for executing the debit card service provided in this specification can be completed. Figure 5 Take the manufacturing process of NFC card as an example to illustrate.

[0111] Figure 5 This is an interactive diagram of the NFC card manufacturing process provided for this manual. Figure 5 As shown, the guardian user first needs to sign a debit agreement with the service platform. After the signing is completed, the service platform will generate a key that can be uniquely locked to the debit agreement based on the debit agreement, and write the key into the NFC chip. The manufacture of the NFC card can be completed by using the NFC chip with the key written into it to manufacture the NFC card. Subsequently, the service platform can deliver the NFC card to the target user; or deliver it to the guardian user, who will then hand over the NFC card to the target user for use. At the same time, during the period when the debit agreement is in effect, the guardian user can view the consumption details of the NFC card at any time through the application software or applet provided by the service platform, and manage the NFC card, such as adjusting the debit limit, enabling and disabling the NFC card, etc.

[0112] Compared with mobile devices, the method of using NFC cards in this method to help special groups such as the elderly and children to realize mobile payment has many advantages. First, for special groups who do not have mobile devices, whether they are unwilling to use them or cannot use them, their daily lives may not need mobile devices. Considering the high prices of mobile devices, there is no need to buy mobile devices just for mobile payment. Compared with mobile devices, the NFC card provided by this method is also easy to carry and usually only costs ten yuan. It is very affordable and will not cause additional expenses.

[0113] Secondly, for special groups who lack the knowledge of using mobile devices, using mobile device payment requires a high learning threshold. At present, the mainstream mobile payment method requires users to install payment software on mobile devices and perform operations such as opening QR codes and scanning other parties' QR codes on the payment software. These require learning costs, and these learning costs are not low for special groups. With NFC cards, you only need to put the card near the NFC card reader, and you can complete the payment directly without any other operations, which greatly reduces the learning cost for special groups to enjoy mobile payment.

[0114] Finally, special groups who lack knowledge of mobile device usage usually do not have awareness of prevention against various telecommunications frauds. If special groups encounter various telecommunications frauds while using mobile devices, it is difficult to guarantee that they will not be deceived and suffer losses. Therefore, by using NFC card payment, special groups can also be protected from the threat of various telecommunications frauds and their interests can be protected to the greatest extent.

[0115] The above is the method for implementing the debit card service execution and NFC card manufacturing provided in this specification. Based on the same idea, this specification also provides a corresponding debit card service execution system, as well as a debit card service execution and NFC card manufacturing device.

[0116] Figure 6 This is a schematic diagram of the system structure of a debit card service execution system provided in this specification, wherein the system includes an NFC card reader and a service platform;

[0117] The NFC card reader is used to detect the NFC card of the target user, read the key contained in the NFC card, and send the payment information and the key to the service platform;

[0118] The service platform is used to sign a debit agreement with the guardian user in advance, generate a key in advance according to the debit agreement, receive the payment information and the key sent by the NFC card reader, decrypt the key to obtain the debit agreement, and perform the debit service according to the payment information and the debit agreement;

[0119] There is a guardianship relationship between the guardian user and the target user, and the information carried by the NFC card includes the key.

[0120] The withholding service execution system provided in this specification is a system obtained by combining the withholding service execution method applied to the application platform provided in this specification and the withholding service execution method applied to the NFC card reader. The main functions implemented by the system have been described in detail in the withholding service execution method provided in this specification, and this specification will not repeat them here.

[0121] Figure 7 A schematic diagram of a debit service execution device applied to a service platform provided in this specification includes:

[0122] The receiving module 400 is used to receive a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card;

[0123] A decryption module 402, used to decrypt the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance according to the withholding agreement, and there is a guardianship relationship between the guardian user and the target user;

[0124] The execution module 404 is used to execute the withholding service according to the payment information and the withholding agreement.

[0125] Optionally, the device also includes a signing module 406, which is specifically used to determine the withholding account selected by the guardian user and the withholding amount set by the guardian user in response to receiving a signing request initiated by the guardian user; generate a withholding agreement based on the withholding account and the withholding amount, and send the withholding agreement to the guardian user; in response to the guardian user determining to sign the withholding agreement, sign the withholding agreement with the guardian user.

[0126] Optionally, the device further includes a generating module 408, which is specifically used to create an agreement number corresponding to the withholding agreement; encrypt the agreement number to obtain a key of the agreement number;

[0127] The decryption module 402 is specifically used to decrypt the key to obtain the agreement number; and determine the withholding agreement corresponding to the agreement number.

[0128] Optionally, the payment information includes at least a merchant account and a payment amount;

[0129] The execution module 404 is specifically used to determine the withholding account included in the withholding agreement; and complete the withholding service according to the withholding account, the payment amount, and the merchant account.

[0130] Optionally, the execution module 404 is specifically used to determine the withholding amount included in the withholding agreement; when the payment amount is greater than the withholding amount, cancel the withholding service; when the payment amount is not greater than the withholding amount, transfer the payment amount from the withholding account to the merchant account to complete the withholding service.

[0131] Figure 8A schematic diagram of a device for executing a debit card service applied to an NFC card reader provided in this specification includes:

[0132] The reading module 500 is used for reading the key contained in the NFC card in response to detecting the NFC card of the target user;

[0133] The sending module 502 is used to send the payment information and the key to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

[0134] Fig. 9 A schematic diagram of an NFC card manufacturing device provided for this specification includes:

[0135] A response module 600 is used to sign a debit agreement with the guardian user in response to receiving a signing request initiated by the guardian user, and there is a guardianship relationship between the guardian user and the target user;

[0136] A generating module 602, configured to generate a key according to the withholding agreement;

[0137] The making module 604 is used to write the key into the NFC chip and use the NFC chip to make an NFC card.

[0138] This specification also provides a computer-readable storage medium, which stores a computer program, which can be used to execute the above Figure 1 and / or Figure 2 The method of executing the withholding service provided and / or Figure 4 A method for manufacturing an NFC card is provided.

[0139] This manual also provides Fig.10 The one shown corresponds to Figure 1 , Figure 2 , Figure 4 A schematic structural diagram of any electronic device in . Fig.10 As mentioned above, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, and may also include other hardware required for the business. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it to achieve the above Figure 1 and / or Figure 2 The method for executing the deduction service and / or Figure 4Of course, in addition to the software implementation, this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, etc., that is, the execution subject of the following processing flow is not limited to each logic unit, but can also be hardware or logic devices.

[0140] In the 1990s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0141] The controller can be implemented in any appropriate manner, for example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable program code manner, the controller can be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be regarded as structures within the hardware component. Or even, the devices for implementing various functions can be regarded as both software modules for implementing the method and structures within the hardware component.

[0142] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0143] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0144] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0145] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0146] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0147] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0148] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0149] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0150] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0151] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0152] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems or computer program products. Therefore, this specification may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0153] This specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0154] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0155] The above description is only an embodiment of the present specification and is not intended to limit the present specification. For those skilled in the art, the present specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification shall be included in the scope of the claims of the present specification.

Claims

1. A method for executing a withholding service, the method being applied to a service platform, the method comprising: Receiving a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card; Decrypting the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance according to the withholding agreement, and there is a guardianship relationship between the guardian user and the target user; Execute the withholding service according to the payment information and the withholding agreement.

2. The method according to claim 1, wherein a debit payment agreement is signed with the guardian user in advance, specifically comprising: In response to receiving a contract signing request initiated by a guardian user, determining a debit account selected by the guardian user and a debit amount set by the guardian user; Generate a withholding agreement according to the withholding account and the withholding amount, and send the withholding agreement to the guardian user; In response to the guardian user determining to sign the withholding agreement, the withholding agreement is signed with the guardian user.

3. The method according to claim 1, generating a key in advance according to the withholding agreement, specifically comprising: Create an agreement number corresponding to the withholding agreement; Encrypting the protocol number to obtain a key for the protocol number; The key is decrypted to obtain the withholding agreement corresponding to the key, which specifically includes: Decrypting the key to obtain the protocol number; Determine the withholding agreement corresponding to the agreement number.

4. The method according to claim 2, wherein the payment information includes at least a merchant account and a payment amount; According to the withholding agreement and the payment information, the withholding service is executed, specifically including: Identify the withholding accounts included in the withholding agreement; The withholding service is completed according to the withholding account, the payment amount and the merchant account.

5. The method according to claim 4, completing the withholding service according to the withholding account, the payment amount, and the merchant account, specifically comprising: Determine the withholding amount included in the withholding agreement; When the payment amount is greater than the withholding amount, the withholding service will be canceled; When the payment amount is not greater than the withholding amount, the payment amount is transferred from the withholding account to the merchant account to complete the withholding service.

6. A method for executing a cash withdrawal service, the method being applied to an NFC card reader, the method comprising: In response to detecting an NFC card of a target user, reading a key contained in the NFC card; The payment information and the key are sent to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

7. A method for manufacturing an NFC card, wherein the NFC card is used to enable a target user of the method for executing a direct payment service according to any one of claims 1 to 6 to make a mobile payment, the method comprising: In response to receiving a contract signing request initiated by a guardian user, signing a debit agreement with the guardian user, where a guardianship relationship exists between the guardian user and the target user; Generate a key according to the withholding agreement; The key is written into an NFC chip, and an NFC card is made using the NFC chip.

8. A system for executing a cash withdrawal service, the system comprising an NFC card reader and a service platform; The NFC card reader is used to detect the NFC card of the target user, read the key contained in the NFC card, and send the payment information and the key to the service platform; The service platform is used to sign a debit agreement with the guardian user in advance, generate a key in advance according to the debit agreement, receive the payment information and the key sent by the NFC card reader, decrypt the key to obtain the debit agreement, and perform the debit service according to the payment information and the debit agreement; in, There is a guardianship relationship between the guardian user and the target user, and the information carried by the NFC card includes the key.

9. A device for executing a deduction service, comprising: A receiving module, configured to receive a debit request sent by a near field communication (NFC) card reader, wherein the debit request is sent when the NFC card reader detects an NFC card of a target user, and the debit request includes at least payment information and a key contained in the NFC card; A decryption module, used to decrypt the key to obtain a withholding agreement corresponding to the key, wherein the withholding agreement is signed in advance with the guardian user, the key is generated in advance according to the withholding agreement, and there is a guardianship relationship between the guardian user and the target user; An execution module is used to execute the withholding service according to the payment information and the withholding agreement.

10. The device as described in claim 9 further includes a signing module, which is specifically used to determine the withholding account selected by the guardian user and the withholding amount set by the guardian user in response to receiving a signing request initiated by the guardian user; generate a withholding agreement according to the withholding account and the withholding amount, and send the withholding agreement to the guardian user; in response to the guardian user determining to sign the withholding agreement, sign the withholding agreement with the guardian user.

11. The device according to claim 9, further comprising a generation module, specifically used to create an agreement number corresponding to the withholding agreement; encrypt the agreement number to obtain a key of the agreement number; The decryption module is specifically used to decrypt the key to obtain the agreement number; and determine the withholding agreement corresponding to the agreement number.

12. The device of claim 10, wherein the payment information comprises at least a merchant account and a payment amount; The execution module is specifically used to determine the withholding account included in the withholding agreement; and complete the withholding service according to the withholding account, the payment amount, and the merchant account.

13. In the device as described in claim 12, the execution module is specifically used to determine the withholding amount included in the withholding agreement; when the payment amount is greater than the withholding amount, cancel the withholding service; when the payment amount is not greater than the withholding amount, transfer the payment amount from the withholding account to the merchant account to complete the withholding service.

14. A device for executing a deduction service, comprising: A reading module, configured to read a key contained in the NFC card in response to detecting the NFC card of the target user; A sending module is used to send the payment information and the key to the platform service provider, so that the platform service provider decrypts the key, obtains the withholding agreement corresponding to the key, and performs the withholding service according to the withholding agreement, wherein the withholding agreement is signed in advance by the service platform and the guardian user, and there is a guardianship relationship between the guardian user and the target user.

15. An NFC card manufacturing device, the NFC card is used to enable a target user of the method for executing a direct payment service according to any one of claims 1 to 6 to make a mobile payment, the device comprising: A response module, configured to sign a debit agreement with the guardian user in response to receiving a signing request initiated by the guardian user, wherein the guardian user has a guardianship relationship with the target user; A generation module, used to generate a key according to the withholding agreement; The making module is used to write the key into the NFC chip and use the NFC chip to make an NFC card.

16. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method according to any one of claims 1 to 7.

17. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method according to any one of claims 1 to 7 when executing the program.

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