Near field communication mobile payment control method, device and terminal

Abstract

The invention provides a near field communication (NFC) mobile payment control method and device and a terminal, and relates to the technical field of communication, and the method comprises the steps: monitoring the unlocking operation of a mobile terminal, starting an NFC function, and carrying out payment in the starting state of the NFC function; when the mobile terminal is in the unlocked state, monitoring that the mobile terminal generates a custom event so as to autonomously control the state switching of the NFC function; wherein the custom event comprises a delay trigger operation, a key trigger operation and / or a gesture trigger operation; and monitoring the screen locking operation of the mobile terminal, and closing the NFC function, thereby solving the problems of tedious operation and high security risk in the existing near field communication mobile payment process.

Description

Technical Field

[0001] The present invention relates to the field of communication technologies, and in particular to a control method, device and terminal for near-field communication mobile payment. Background Art

[0002] With the rise in popularity of mobile payments, mobile phones' NFC (near-field communication) functionality has become widely used in payment scenarios like "tap and pay." However, leaving the NFC function enabled for extended periods poses security risks and can be exploited for fraudulent transactions. While existing mobile phone systems and payment platforms have implemented various security measures, such as small-amount, no-password limits, dynamic tokens and encrypted transmission, and risk monitoring, the risk of fraudulent transactions still exists in certain circumstances, such as when a phone is lost or when a user is deliberately approached in a crowded environment.

[0003] Currently, for payment security, the NFC function is usually turned off, turned on before use, and turned off again after use. Turning this function on and off usually requires entering the system settings interface, which is a relatively cumbersome process. Moreover, it is easy to forget to turn off NFC after completing a payment. Therefore, a convenient, fast, and low-security payment control method is needed. Summary of the Invention

[0004] In order to overcome the above technical defects, the purpose of the present invention is to provide a control method, device and terminal for near-field communication mobile payment, so as to solve the problem that the existing near-field communication mobile payment process is cumbersome to operate and has high security risks.

[0005] The present invention discloses a control method for near field communication mobile payment, comprising: Monitor the unlocking operation of the mobile terminal, turn on the NFC near-field communication function, and make payments with the NFC near-field communication function turned on; When the mobile terminal is in an unlocked state, monitoring the occurrence of custom events on the mobile terminal to autonomously control the state switching of the NFC near-field communication function; wherein the custom events include a delayed trigger operation, a key trigger operation and / or a gesture trigger operation; Monitor the mobile terminal for screen lock operations and disable the NFC near-field communication function.

[0006] Preferably, when a custom event includes a delayed trigger action: Get the delay time in advance, and trigger the timing function when the NFC near-field communication function is turned on. When the timing exceeds the delay time, the NFC near-field communication function is turned off.

[0007] Preferably, user payment time data is collected on the mobile terminal to analyze the user's payment behavior habits and optimize the delay time.

[0008] Preferably, when the custom event includes a key triggering operation, wherein the key includes a physical key and / or a virtual key, and the trigger includes a single click, a double click, a long press and / or a combination thereof; Pre-configure NFC near-field communication function call permissions; Monitor the status of buttons on the mobile terminal and create events to control the state of the NFC near-field communication function from on to off or from off to on.

[0009] Preferably, when the custom event includes a gesture-triggered operation: The user gesture is captured on the mobile terminal, image recognition is performed on the captured gesture data, and similarity is compared with the gesture data in the preset template library. When the similarity exceeds the threshold, an event is established to control the state of the NFC near-field communication function from on to off or from off to on.

[0010] Preferably, before the monitoring mobile terminal is unlocked and the NFC near-field communication function is activated: When the NFC near-field communication signal is identified and it is determined that the mobile terminal is in a payment environment, a preset payment environment security monitoring program is triggered.

[0011] Preferably, when the mobile terminal is in a payment environment, the custom event has a higher priority than other events associated with the mobile terminal.

[0012] Preferably, when the NFC near-field communication function state is switched, a prompt program is triggered autonomously, and prompt data is displayed on the mobile terminal.

[0013] The present invention also provides a near field communication mobile payment control device, which executes any of the above-mentioned near field communication mobile payment control methods, including: A monitoring module, configured to monitor operations on the mobile terminal, including unlocking operations, custom events, and screen lock operations; An NFC control module, configured to communicate with the monitoring module to control the NFC near-field communication function; Configuration module, used to capture user operation configuration custom events.

[0014] The present invention also provides a terminal that applies the above-mentioned near-field communication mobile payment control device.

[0015] Compared with the existing technology, the above technical solution has the following beneficial effects: The present application discloses a method, device and terminal for controlling near-field communication mobile payment, which associates the unlocking operation and lock screen operation of the mobile terminal with the status of the NFC near-field communication function, and also uses custom events such as delayed triggering, key triggering, gesture triggering, etc. to control the NFC near-field communication function. By integrating with the mobile terminal keys and user operations, the status of the NFC near-field communication function can be quickly switched without the user having to operate several tags or steps. The operation is simple, and the problem of cumbersome operation and high security risks in the existing near-field communication mobile payment process is solved. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 This is a flow chart of the control method of embodiments 1 and 2 of a near-field communication mobile payment control method, device, and terminal according to the present invention; Figure 2 This is a flowchart of the delayed triggering operation in the control method of embodiments 1 and 2 of the near field communication mobile payment control method, device, and terminal of the present invention; Figure 3 This is a flowchart of a custom event occurring when the mobile terminal is in an unlocked state in the control method of embodiments 1 and 2 of a control method, device, and terminal for near-field communication mobile payment according to the present invention; Figure 4 This is a flow chart of a custom event occurring in the control method of embodiments 1 and 2 of a near field communication mobile payment control method, device, and terminal according to the present invention; Figure 5 This is a module diagram of a second embodiment of a control method, device and terminal for near-field communication mobile payment according to the present invention.

[0017] Reference numerals: 3-Near field communication mobile payment control device; 31-Monitoring module; 32-NFC control module; 33-Configuration module. DETAILED DESCRIPTION

[0018] The advantages of the present invention are further described below with reference to the accompanying drawings and specific embodiments.

[0019] Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all possible embodiments consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

[0020] The terms used in this disclosure are for the purpose of describing specific embodiments only and are not intended to limit the disclosure. As used in this disclosure and the appended claims, the singular forms "a," "an," "the," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and / or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

[0021] It should be understood that although the terms first, second, third, etc. may be used in the present disclosure to describe various information, such information should not be limited to these terms. Depending on the context, the word "if" as used herein can be interpreted as "at the time of" or "when" or "in response to determining".

[0022] In the following description, the suffixes such as "module", "component" or "unit" used to represent elements are only used to facilitate the description of the present invention and have no specific meaning. Therefore, "module" and "component" can be used interchangeably.

[0023] Example: This embodiment discloses a method for controlling near field communication mobile payment to achieve simple near field communication (NFC) payment operation while reducing security risks. Figure 1-4 ,include: S10: monitoring the unlocking operation of the mobile terminal, turning on the NFC near-field communication function, and making a payment with the NFC near-field communication function turned on; Specifically, the mobile terminal has an NFC chip, and the unlocking or locking operation of the mobile terminal is a normal operation. The unlocking / locking event can be obtained in real time through the system's underlying interface (such as Android's KeyguardManager and iOS's LocalAuthentication framework); it can be understood that in this embodiment, "event" refers to the running / execution of corresponding code logic or operation flow on the terminal (such as a mobile phone, computer, POS machine, etc.) when specific conditions are met or specific operations occur, including but not limited to user triggering, terminal internal triggering, or external device connection triggering.

[0024] In this embodiment, after the unlocking operation, a link is established (the corresponding interface is called) to directly and autonomously trigger the NFC near-field communication function (implemented by calling the corresponding API interface, such as the Android system provides the Android NFC API, which controls the opening and closing of the NFC function and data interaction by calling system-level functions). There is no need to click on the settings-NFC settings label of the mobile terminal as commonly used in the existing practice. The operation is convenient and the response is fast.

[0025] As a preferred implementation, before the monitoring mobile terminal is unlocked and the NFC near-field communication function is turned on: the NFC near-field communication signal is identified, and when it is determined that the mobile terminal is in a payment environment, a preset payment environment security monitoring program is triggered.

[0026] As an illustration, the payment process of NFC near-field communication signals requires interaction with other devices. Mobile terminals can provide NFC APIs to facilitate interaction between the terminal and NFC tags or other NFC devices. Therefore, based on this, this embodiment determines whether the mobile terminal is in a payment environment, that is, whether payment interaction with other devices is about to be required, by the presence of other NFC near-field communication signals (NFC tags or other NFC devices). It is understandable that the requirements for implementing near-field communication mobile payments require an NFC chip or tag, and the communication distance requirements are relatively high, generally within a few centimeters. Therefore, the identification of other NFC near-field communication signals indicates that the distance to other devices (POS machines or NFC tags) is close, and payment operations may occur. At this time, the payment environment security monitoring program is triggered, thereby improving payment security.

[0027] Specifically, the payment environment security monitoring program can be an existing general program pre-installed in the mobile terminal, which can be called through an interface. As an example, the payment environment security monitoring program can realize: whether the network connection is normal, such as trying to connect to a public DNS server; whether the internal process is normal, such as monitoring all processes in the running system; checking whether the device operating system information is trusted; or whether the internal program is running under permission, etc.

[0028] Therefore, the above optional solution can ensure that the unlocking-triggering of the NFC near-field communication function is under the payment environment security monitoring program, thereby improving payment security.

[0029] It can be understood that in this embodiment, when the NFC near-field communication function is triggered by unlocking, it may not actually be necessary to apply the NFC near-field communication function. At this time, the security risk of keeping the NFC near-field communication function always on is high. Therefore, in this embodiment, the status of the NFC near-field communication function is quickly switched through the following custom events.

[0030] Specifically, when the mobile terminal is in an unlocked state, a custom event occurring in the mobile terminal is monitored to autonomously control the state switching of the NFC near-field communication function; wherein the custom event includes a delayed trigger operation, a button trigger operation and / or a gesture trigger operation.

[0031] The above-mentioned custom events may be pre-configured, and a user-configured interface may be provided to facilitate user selection or customization. The custom events are described in detail below.

[0032] Delayed trigger operation (see Figure 2 ): Delayed triggering means that the NFC near-field communication function will be automatically turned off after a period of time after it is turned on. Specifically, when the custom event includes a delayed trigger operation: obtain the delay time in advance, trigger the timing function at the same time when the NFC near-field communication function is turned on, and turn off the NFC near-field communication function when the timing exceeds the delay time. Specifically, as an example, the delay time can be set to 10s. After starting the delayed trigger operation, no matter what operation is used to trigger the NFC near-field communication function, such as manually clicking the NFC turn-on button or through the above-mentioned unlocking operation, the NFC near-field communication function can be automatically turned off after 10s, thereby reducing the risk of fraudulent card use without the need for additional user operation.

[0033] The above-mentioned delay time can be customized or pre-configured by the user. As an optional implementation, user payment time data can be collected on the mobile terminal to analyze the user's payment behavior habits and optimize the setting of the delay time. As an example, the collected user payment time data can be the time between the user unlocking and the payment operation, so as to analyze the user's habits. For example, some users can complete the payment within 2-3 seconds after unlocking, while some users will complete the payment within 7-8 seconds after unlocking. In this way, the setting of the delay time can be optimized independently, or a reference for the delay time setting can be provided to the user to facilitate user operation, so that the NFC near-field communication function can be turned off at the moment when the user likes to pay. This not only facilitates user operation but also reduces payment risks.

[0034] Button trigger operation (see Figure 3 ): The button trigger operation means that the NFC near-field communication function can be switched on and off by pressing a button.

[0035] Specifically, when the custom event includes a key trigger operation, where the key includes a physical key (power key, volume key) and / or a virtual key (which may be but is not limited to a shortcut icon preset on the main interface), the trigger includes a single click, a double click, a long press and / or a combination; pre-configure the NFC near-field communication function call permission; monitor the status of the keys on the mobile terminal, and establish an event to control the status of the NFC near-field communication function from on to off or from off to on.

[0036] As an example, button triggering operations may include single-clicking, double-clicking, and long pressing the power button / volume button, etc., and even the buttons connected to the surface of the mobile terminal by hardware can be reset on the NFC chip; the above-mentioned monitoring of the button status, such as the physical button monitoring its contact status (contact contact or separation status, single contact contact, two or more contact contacts, continuous contact contact, etc.), the virtual button collects the force conditions on the surface of the mobile terminal through the sensor. If a predetermined pressure is monitored within a predetermined time state, a single-click trigger is determined; if a predetermined pressure is monitored twice within a predetermined time state, a double-click trigger is determined; if a predetermined pressure is continuously monitored within a predetermined time state, a long press trigger is determined, etc.; the state of the NFC near-field communication function can be quickly switched by pressing a button. For example, when the NFC near-field communication function is turned on for a period of time, it can be turned off directly by pressing a button, or when the NFC near-field communication function is in the off state, it can be turned on directly by pressing a button without the need for user operation to trigger it again, which can realize fast operation of the NFC near-field communication function, and the button can be turned off after it is turned on, reducing the security risk of stolen card.

[0037] Gesture triggering actions (see Figure 3 ) Gesture triggering means that the NFC near-field communication function can be switched on and off through specific patterns / gestures / shapes.

[0038] Specifically, when the custom event includes a gesture trigger operation: capturing user gestures (including touch gestures (such as finger operations to form preset graphics on the screen) and non-touch gestures) on the mobile terminal, performing image recognition on the captured gesture data, and comparing the similarity with the gesture data in the preset template library. When the similarity exceeds a threshold, an event is established to control the state of the NFC near-field communication function from on to off or from off to on.

[0039] As an illustration, the mobile terminal captures user operations through sensors, such as using capacitive sensing to detect the position, pressure, movement trajectory, etc. of fingers and styluses; using a camera to recognize user hand movements, applying image recognition, target detection, etc. to recognize gesture images, etc.; comparing the obtained data with the gesture data in the preset template library, that is, judging whether the user performs the gesture. Once it is recognized that the user performs the gesture, the state switch of the NFC near-field communication function is triggered.

[0040] It is understandable that the above operations may be implemented individually or as a combination of multiple specific operations.

[0041] Based on the above-mentioned custom events, in this embodiment, the state switching of the NFC near-field communication function is quickly realized by triggering custom events, without the user having to click the tag multiple times (Settings-NFC Control). The operation is simple and can greatly shorten the state time and reduce security risks.

[0042] like Figure 2 As shown in the flowchart of triggering the custom event delay triggering operation, that is, after unlocking and turning on the NFC near field communication function, the NFC near field communication function is automatically turned off when the delay time is reached; Figure 3 As shown, triggering a custom event can be done by the above-mentioned button triggering operation or gesture triggering operation, or other methods to switch the state of the NFC near-field communication function, off-on / on-off, while the NFC near-field communication function is turned on. It can also integrate a delayed trigger operation and the following lock screen operation to turn off the NFC near-field communication function; as shown Figure 4 As shown, a custom event occurs, for example, it may be a trigger button / gesture, which may be triggered in the payment state or an accidental touch in a non-payment environment. Therefore, it is first determined whether the unlock operation has been performed (i.e., whether the mobile terminal screen is unlocked). If so, the state of the NFC near-field communication function is switched. If not, the NFC near-field communication function remains closed directly in the lock screen state. It is understandable that Figure 3 and Figure 4 The delayed trigger operation shown in is also optional, and Figure 4 After turning on / off the NFC near-field communication function, triggering a custom event can also turn off / on the NFC near-field communication function again for easy use in applications.

[0043] It is understandable that the control processes in the above examples and various figures are only examples, and the order can actually be adjusted according to the application scenario to achieve fast switching of the NFC near-field communication function.

[0044] S20: Monitor the mobile terminal for a screen lock operation and disable the NFC near-field communication function.

[0045] In this embodiment, when the mobile terminal is in the lock screen state, the NFC near-field communication function will not be turned on, which is similar to the above-mentioned unlocking operation, but the NFC near-field communication function performs the opposite operation, thereby reducing the risk of fraudulent swiping when the mobile terminal is locked.

[0046] Based on the above, in this embodiment, the status of the NFC near-field communication function is associated with the lock screen and unlock operations, and custom events are also configured, such as automatically shutting down the NFC near-field communication function with a delay, triggering the NFC near-field communication function state transition with a button or gesture, etc., which is easy to operate and reduces security risks.

[0047] Based on the above, it can be understood that the application of the above-mentioned custom events will require the implementation of physical buttons, but the physical buttons of existing mobile terminals have been associated with some functions, so it is necessary to reuse the buttons on the mobile terminal. In order to achieve rapid response and application security in the payment state, when the mobile terminal is in the payment environment, the custom event is configured to have a higher priority than other events associated with the mobile terminal.

[0048] As mentioned above, being in a payment environment can be determined by detecting whether there are other NFC near-field communication signals, and in this embodiment, the priority application can be triggered after triggering the preset payment environment security monitoring program, thereby ensuring that the switching of the NFC near-field communication function status can be quickly responded to in the payment environment.

[0049] Specifically, in actual application scenarios, the setting of the above-mentioned custom event priority can establish event processing thread priority at the bottom layer of the system architecture, such as using HandlerThread and setting priority (assigning core operations (such as key triggering during payment confirmation) to high-priority threads).

[0050] In a preferred embodiment, in order to further improve payment security, a reminder function is preset in the mobile terminal. When the NFC near-field communication function status is switched, the reminder program is automatically triggered and the prompt data is displayed on the mobile terminal. That is, even if the NFC near-field communication function status is switched through the above-mentioned custom event, the corresponding information is pushed on the mobile terminal, so that the user can quickly and accurately determine the current status of the NFC near-field communication function.

[0051] It is understandable that the display mode of the above-mentioned reminder data can also be configured by the user, such as selecting the reminder period and / or displaying the specific location.

[0052] Based on the above, this embodiment associates the unlocking and locking of the mobile terminal with the status of the NFC near-field communication function. Furthermore, it also utilizes custom events such as delay, button triggering, gesture triggering, etc., and integrates with the mobile terminal buttons and gestures. The status control of the NFC near-field communication function can be achieved without the user having to operate several tags or steps. The operation is simple, and the NFC near-field communication function can be quickly turned off when no payment is made, thereby reducing the occurrence of fraudulent card transactions and reducing payment risks.

[0053] Example 2: This embodiment also provides a near field communication mobile payment control device, which executes the near field communication mobile payment control method described in the above embodiment 1. Figure 1-5 ,include: A monitoring module, configured to monitor operations on the mobile terminal, including unlocking operations, custom events, and screen lock operations; An NFC control module, configured to communicate with the monitoring module to control the NFC near-field communication function; The configuration module is used to capture user operations to configure custom events, specifically including but not limited to implementing the above-mentioned delayed triggering operation, key triggering operation and / or gesture triggering operation.

[0054] In this control device, a monitoring module is used to monitor user operations, identify the collected user operations, implement various operations such as the above-mentioned embodiment 1 according to the operations, trigger corresponding instructions / events, and the NFC control module switches the NFC near-field communication function on or off based on the feedback from the monitoring module.

[0055] In order to implement the control method in the above-mentioned embodiment 1, the priority of the defined event can also be configured in the configuration module. After the monitoring module in the mobile terminal monitors the user operation, the state of the NFC near-field communication function is triggered according to the priority running time.

[0056] Existing display modules can also be integrated or reused to implement the above-mentioned trigger prompt program and display prompt data on the mobile terminal.

[0057] This embodiment also provides a terminal that uses the aforementioned near-field communication mobile payment control device. The terminal includes but is not limited to mobile phones, smart bracelets, and other devices that can be used in near-field communication mobile payment scenarios.

[0058] The methods and apparatuses provided in the first and second embodiments above can be implemented in hardware, software, or a combination thereof, and can be implemented and executed in conjunction with the various illustrative steps, apparatuses, mobile terminals (processors, memories), or other combinations described herein. When the control method is implemented in software, the illustrative steps described above are incorporated; each of the aforementioned modules can also be stored and transmitted as one or more instructions or codes on a computer-readable storage medium. Professionals and technicians may implement the described functions using different specific implementations based on actual application scenarios, but such implementations should not be considered beyond the scope of this application.

[0059] It should be noted that the embodiments of the present invention have better practicability and do not impose any form of limitation on the present invention. Any technician familiar with the field may use the technical content disclosed above to change or modify it into an equivalent effective embodiment. However, any modification or equivalent changes and modifications made to the above embodiments based on the technical essence of the present invention without departing from the content of the technical solution of the present invention are still within the scope of the technical solution of the present invention.

Claims

1. A method for controlling near field communication mobile payment, characterized in that: include: Monitor the unlocking operation of the mobile terminal, turn on the NFC near-field communication function, and make payments with the NFC near-field communication function turned on; When the mobile terminal is in an unlocked state, monitoring the occurrence of custom events on the mobile terminal to autonomously control the state switching of the NFC near-field communication function; wherein the custom events include a delayed trigger operation, a key trigger operation and / or a gesture trigger operation; Monitor the mobile terminal for screen lock operations and disable the NFC near-field communication function.

2. The control method according to claim 1, wherein: When a custom event includes a delayed trigger action: Get the delay time in advance, and trigger the timing function when the NFC near-field communication function is turned on. When the timing exceeds the delay time, the NFC near-field communication function is turned off.

3. The control method according to claim 2, wherein: Collect user payment time data on the mobile terminal to analyze user payment behavior habits and optimize the delay time.

4. The control method according to claim 1, wherein: When the custom event includes a key triggering operation, wherein the key includes a physical key and / or a virtual key, and the trigger includes a single click, a double click, a long press and / or a combination thereof; Pre-configure NFC near-field communication function call permissions; Monitor the status of buttons on the mobile terminal and create events to control the state of the NFC near-field communication function from on to off or from off to on.

5. The control method according to claim 1, wherein: When the custom event includes a gesture trigger action: The user gesture is captured on the mobile terminal, image recognition is performed on the captured gesture data, and similarity is compared with the gesture data in the preset template library. When the similarity exceeds the threshold, an event is established to control the state of the NFC near-field communication function from on to off or from off to on.

6. The control method according to claim 1, wherein: Before the monitoring mobile terminal is unlocked and the NFC near-field communication function is enabled: When the NFC near-field communication signal is identified and it is determined that the mobile terminal is in a payment environment, a preset payment environment security monitoring program is triggered.

7. The control method according to claim 6, characterized in that: When a mobile terminal is in a payment environment, the custom event takes priority over other events associated with the mobile terminal.

8. The control method according to claim 1, wherein: When the NFC near-field communication function status switches, the prompt program is automatically triggered and the prompt data is displayed on the mobile terminal.

9. A near field communication mobile payment control device, characterized in that: The method for controlling near field communication mobile payment according to any one of claims 1 to 8 comprises: A monitoring module, configured to monitor operations on the mobile terminal, including unlocking operations, custom events, and screen lock operations; An NFC control module, configured to communicate with the monitoring module to control the NFC near-field communication function; Configuration module, used to capture user operation configuration custom events.

10. A terminal, characterized in that: A control device for near field communication mobile payment using the above-mentioned claim 9.

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