Payment method, user terminal, payment processing system, payment system and medium

Abstract

The invention discloses a payment method, a user terminal, a payment processing system, a payment system and a medium, and belongs to the field of data processing. The method comprises the following steps: under the condition that a user terminal senses near field communication payment equipment in a locking mode, interacting with the near field communication payment equipment through a virtual bank card application to obtain equipment side information; acquiring transaction information from the virtual bank card application by using the wallet application, wherein the transaction information comprises equipment side information and a virtual bank card number; interacting with a real bank card application by using a wallet application in an unlocking mode to obtain card side transaction data corresponding to the equipment side information; generating a first bank card transaction message by using the wallet application according to the virtual bank card number and the card side transaction data, and sending the first bank card transaction message to a payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message; and receiving a transaction processing result sent by the payment processing system. And the payment convenience in the locking mode is improved.

Description

Technical Field

[0001] The present application belongs to the field of data processing technology, and in particular relates to a payment method, a user terminal, a payment processing system, a payment system and a medium. Background Art

[0002] With the continuous development of electronic technology, the application of user terminals in various fields continues to expand. Users can make contactless payments through the bank card application in the user terminal and near-field communication payment devices such as POS terminals. To ensure relevant security, the bank card application can only be exposed and the interaction process with the near-field communication payment device can be initiated after the user terminal is unlocked. Therefore, when making contactless payments with the user terminal in the locked state, the user terminal needs to be unlocked after the first proximity to the near-field communication payment device. After unlocking, it needs to be close to the near-field communication payment device again to complete the interaction between the bank card application and the near-field communication payment device and complete the payment. This requires a lot of payment operations, which brings inconvenience to the user's payment. Summary of the Invention

[0003] The embodiments of the present application provide a payment method, a user terminal, a payment processing system, a payment system and a medium, which can improve the convenience of user payment.

[0004] In a first aspect, an embodiment of the present application provides a payment method, which is applied to a user terminal, wherein the user terminal has a wallet application and a security element SE, and the SE has a virtual bank card application and a real bank card application, wherein the virtual bank card application is an SE application built based on a virtual bank card, and the real bank card application is an SE application built based on a real bank card. The method includes: when a near-field communication payment device is sensed in a locked mode, interacting with the near-field communication payment device through the virtual bank card application to obtain device-side information; using the wallet application to obtain transaction information from the virtual bank card application, the transaction information including device-side information and a virtual bank card number; using the wallet application to interact with the real bank card application in an unlocked mode to obtain card-side transaction data corresponding to the device-side information; using the wallet application to generate a first bank card transaction message based on the virtual bank card number and the card-side transaction data, and sending the first bank card transaction message to a payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message; and receiving the transaction processing result sent by the payment processing system.

[0005] In a second aspect, the embodiments of the present application provide a payment method applied to a payment processing system, the method comprising: obtaining a first bank card transaction message sent by a user terminal and device-side transaction data sent by a near field communication payment device, the first bank card transaction message containing a virtual bank card number and card-side transaction data; matching the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; generating a second bank card transaction message based on the card-side transaction data and the device-side transaction data in a case where the matching result indicates that the card-side transaction data and the device-side transaction data match; performing transaction processing based on the second bank card transaction message to obtain a transaction result; and sending the transaction result to the user terminal and the near field communication payment device.

[0006] In a third aspect, the embodiments of the present application provide a user terminal, the user terminal having a wallet application and a secure element SE, the SE having a virtual bank card application and a real bank card application, the virtual bank card application being an SE application constructed based on a virtual bank card, and the real bank card application being an SE application constructed based on a real bank card, the user terminal further comprising: a first obtaining module configured to, in a case where a near field communication payment device is sensed in a locked mode, interact with the near field communication payment device through the virtual bank card application to obtain device-side information; a second obtaining module configured to obtain transaction information from the virtual bank card application by using the wallet application, the transaction information including the device-side information and a virtual bank card number; a third obtaining module configured to, in an unlocked mode, interact with the real bank card application by using the wallet application to obtain card-side transaction data corresponding to the device-side information; a generating module configured to generate a first bank card transaction message according to the virtual bank card number and the card-side transaction data by using the wallet application; a sending module configured to send the first bank card transaction message to a payment processing system by using the wallet application, so that the payment processing system performs transaction processing based on the first bank card transaction message; and a receiving module configured to receive a transaction result sent by the payment processing system.

[0007] In a fourth aspect, the embodiments of the present application provide a payment processing system, comprising: an obtaining module configured to obtain a first bank card transaction message sent by a user terminal and device-side transaction data sent by a near field communication payment device, the first bank card transaction message containing a virtual bank card number and card-side transaction data; a matching module configured to match the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; a generating module configured to generate a second bank card transaction message based on the card-side transaction data and the device-side transaction data in a case where the matching result indicates that the card-side transaction data and the device-side transaction data match; a processing module configured to perform transaction processing based on the second bank card transaction message to obtain a transaction result; and a sending module configured to send the transaction result to the user terminal and the near field communication payment device.

[0008] In a fifth aspect, an embodiment of the present application provides a user terminal, the user terminal having a wallet application and a secure element SE, the SE having a virtual bank card application and a real bank card application, the virtual bank card application being an SE application constructed based on a virtual bank card, and the real bank card application being an SE application constructed based on a real bank card; the user terminal further comprising a processor and a memory storing computer program instructions; the processor implements the payment method of the first aspect when executing the computer program instructions.

[0009] In a sixth aspect, an embodiment of the present application provides a payment processing system, comprising a processor and a memory storing computer program instructions; the processor implements the payment method of the second aspect when executing the computer program instructions.

[0010] In a seventh aspect, an embodiment of the present application provides a payment system, comprising a near field communication payment device, a user terminal of the fifth aspect, and a payment processing system of the sixth aspect, the near field communication payment device and the user terminal being communicatively connected to the payment processing system.

[0011] In an eighth aspect, an embodiment of the present application provides a computer readable storage medium, the computer readable storage medium storing computer program instructions, the computer program instructions being executed by a processor to implement the payment method of the first aspect or the payment method of the second aspect.

[0012] In a ninth aspect, an embodiment of the present application provides a computer program product, comprising a computer program, the computer program being executed by a processor to implement the payment method of the first aspect or the payment method of the second aspect.

[0013] The embodiment of the present application provides a payment method, a user terminal, a payment processing system, a payment system, a medium and a program product. The SE of the user terminal has a virtual bank card application. When the user terminal senses a near field communication payment device in a locked mode, the virtual bank card application is used to interact with the near field communication payment device to obtain device side information. The virtual bank card application does not generate an actual fund transaction, so the user terminal can interact with the near field communication payment device without being unlocked. The user terminal obtains transaction information from the virtual bank card application by using a wallet application, the transaction information including device side information and a virtual bank card number; the wallet application is used to interact with a real bank card application in an unlocked mode to obtain card side transaction data corresponding to the device side information; the wallet application is used to generate a first bank card transaction message according to the virtual bank card number and the card side transaction data, and send the first bank card transaction message to the payment processing system; and a transaction processing result sent by the payment processing system is received. In this way, the independence of the interaction between the user terminal and the near field communication payment device and the first bank card transaction message generation process is realized. After the user terminal obtains the device side information in the locked mode, the user terminal only needs to obtain the first bank card transaction message through internal data interaction and processing, and does not need to interact with the near field communication payment device again. Therefore, even if the user terminal leaves the near field communication radio frequency field of the near field communication payment device when being unlocked, the user terminal does not need to be close to the near field communication payment device again, thereby reducing the payment operation of the user, improving the convenience of payment, and improving the speed and efficiency of payment. BRIEF DESCRIPTION OF DRAWINGS

[0014] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings needed to be used in the embodiments of the present application. Those skilled in the art can obtain other drawings according to these drawings without creating any creative labor.

[0015] Figure 1 The architecture schematic diagram of an example of the payment system provided by the embodiments of the present application is shown.

[0016] Figure 2 The flowchart of the payment method provided by the first aspect of the embodiments of the present application is shown.

[0017] Figure 3 The flowchart of the payment method provided by the second aspect of the embodiments of the present application is shown.

[0018] Figure 4 The schematic diagram of an example of the payment interaction process of the user terminal in the locked state provided by the embodiments of the present application is shown.

[0019] Figure 5 The flowchart of an example of the payment interaction process of the user terminal in the locked state provided by the embodiments of the present application is shown.

[0020] Figure 6 A structure diagram of a user terminal according to an embodiment of the third aspect of the present application is provided.

[0021] Figure 7 A structure diagram of a payment processing system according to an embodiment of the fourth aspect of the present application is provided.

[0022] Figure 8 A structure diagram of a user terminal according to an embodiment of the fifth aspect of the present application is provided. DETAILED DESCRIPTION

[0023] The features and exemplary embodiments of the various aspects of the present application will be described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to explain the principles of the present application and are not intended to limit the present application. The present application can be implemented without some of the specific details, which are well known to those skilled in the art. The following description of the embodiments is merely provided to give a better understanding of the present application by showing examples of the present application.

[0024] It should be noted that the terms such as first and second, etc. are merely used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between these entities or operations. Moreover, the terms "include", "contain" or any other variants thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, article or device. Without more limitations, the elements defined by the statement "include" do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0025] It should be noted that the acquisition, storage, use, processing, etc. of information and data in the embodiments of the present application are authorized by the user or relevant institution and comply with relevant provisions of national laws and regulations.

[0026] Before further detailing the embodiments of the present application, the terms and terms involved in the embodiments of the present application are explained, which are applicable to the following explanations.

[0027] SE, Secure Element, i.e. secure element, is a microcomputer, usually provided in the form of a chip, which can realize data security storage, encryption and decryption operations, etc.

[0028] SE application refers to a special program based on secure element hardware technology, which provides protection for sensitive data storage and secure transactions through hardware-level security protection mechanisms.

[0029] ARQC refers to an authentication request cryptogram, which is used to verify the legality of a request in a bank card transaction.

[0030] ATC refers to an application transaction counter.

[0031] APDU refers to an application protocol data unit, which is an information unit transmitted between a smart card and a smart card reader.

[0032] NFC refers to near field communication.

[0033] Before further detailing the embodiments of the present application, a non-contact payment method in the related art is introduced. As described above, with the continuous development of electronic technology, the application of user terminals in various fields is continuously expanding. A user can perform a non-contact payment service through a bank card application in the user terminal and a near field communication payment device. In the scenario of transaction between the user terminal and the near field communication payment device, since the bank card application contains bank card information, in order to ensure the related security, the bank card application can be exposed and the interaction process with the near field communication payment device can be started only when the user terminal is in an unlocked state. This results in that after the user terminal is close to the near field communication payment device in a locked state, the user needs to unlock the user terminal first, and when the user unlocks the user terminal, the user terminal can be out of the near field communication sensing range of the near field communication payment device, which makes it necessary to again bring the user terminal close to the near field communication payment device to perform payment interaction after the user terminal is unlocked. As can be seen, the payment operation is more, which brings inconvenience to the user's payment.

[0034] To solve the above technical problems, the embodiments of the present application provide a payment method, a user terminal, a payment processing system, a payment system, a storage medium and a program product, which can be applied to the transaction scenario of the user terminal and the near field communication payment device. First, the payment method provided by the embodiments of the present application is introduced. By constructing a virtual bank card application in the user terminal, the user terminal can interact with the near field communication payment device without being unlocked by the user. The payment operation of the user is simplified, and the convenience of the user's payment is improved.

[0035] The payment method, the user terminal, the payment processing system, the payment system, the storage medium and the program product provided in the present application will be described below.

[0036] For ease of understanding, the architecture of the payment system to which the payment method in the embodiments of the present application is applied will be briefly described first. Figure 1 The architecture diagram of an example of the payment system provided in the embodiments of the present application is shown in FIG. 1. Figure 1 As shown in FIG. 1, the payment system can include a user terminal 11, a near field communication payment device 12 and a payment processing system 13.

[0037] The user terminal 11 has an NFC function, which can be specifically implemented as a smart phone, a tablet computer, a smart watch, a smart bracelet or other smart wearable device with an NFC function, which is not limited herein. Figure 1 The smart phone is taken as an example.

[0038] The user terminal 11 is installed with a wallet application. The wallet application refers to a software application for managing payment tools and financial information.

[0039] The user terminal 11 includes a secure element SE, and the SE can be installed with a bank card application. The bank card application is an SE application with bank card related data and capabilities. The bank card application installed in the SE of the user terminal 11 includes at least one virtual bank card application and at least one real bank card application. The virtual bank card application is an SE application based on a virtual bank card, and the real bank card application is an SE application based on a real bank card. The difference between the virtual bank card application and the real bank card application is that the real bank card application corresponds to a real bank card, and the bank card number thereof corresponds to a real bank account, while the virtual bank card application corresponds to a virtual bank card, and the bank card number thereof is a special virtual bank card number specially assigned, which does not involve a specific bank account. Therefore, the virtual bank card application will not cause actual fund transaction and real information leakage, and thus does not need to be authorized by the user.

[0040] In some embodiments, the real bank card application and the virtual bank card application can be constructed based on the financial integrated circuit card specification. The financial integrated circuit card specification refers to a series of technical standards and regulations about the financial integrated circuit card, which is used to guide the design, development, manufacture, operation and other aspects of the financial IC card, so as to ensure the security, compatibility and functionality of the financial IC card. Exemplarily, the financial integrated circuit card specification includes but is not limited to the "China Financial Integrated Circuit (IC) Card Specification".

[0041] The near field communication payment device 12 can be an NFC enabled device that assists in payment. The near field communication payment device 12 is a payment device of a merchant. The near field communication payment device 12 can be specifically implemented as a POS (Point of sales) terminal.

[0042] The payment processing system 13 can be a server with payment data processing function. The payment processing system 13 establishes a communication connection with the user terminal 11 and the near field communication payment device 12 respectively, and can interact with the user terminal 11 and the near field communication payment device 12. The payment processing system 13 can be specifically implemented as a cloud server.

[0043] The payment is initiated by the near field communication payment device 12. When the user terminal 11 is close to the near field communication payment device 12 and enters the near field communication radio frequency field of the near field communication payment device 12, i.e. the NFC sensing range, the user terminal 11 and the near field communication payment device 12 can establish a near field communication connection, so that the user terminal 11 and the near field communication payment device 12 can interact with each other through the NFC function. Through the data interaction between the user terminal 11 and the near field communication payment device 12, the user terminal 11 and the near field communication payment device 12 can obtain corresponding transaction data respectively. The user terminal 11 and the near field communication payment device 12 upload the obtained transaction data to the payment processing system 13. The payment processing system 13 integrates and processes the transaction data received from the user terminal 11 and the near field communication payment device 12, thereby completing the transaction.

[0044] The first aspect of the present application provides a payment method, which can be applied to a user terminal, i.e. the payment method can be executed by a user terminal. Figure 2 The flowchart of the payment method provided by an embodiment of the first aspect of the present application is shown in Figure 2 The payment method can include steps S201 to S205.

[0045] Step S201. In the case of sensing a near field communication payment device in the locked mode, interact with the near field communication payment device through the virtual bank card application to obtain device side information.

[0046] The user terminal and the near field communication payment device can both have a near field communication component, such as an NFC chip. The user terminal and the near field communication payment device realize the near field communication function by the near field communication component. After the near field communication payment device initiates payment and starts its own near field communication function, the user terminal can detect the near field communication signal of the near field communication payment device after entering the near field communication radio frequency field of the near field communication payment device, i.e. can sense the near field communication payment device through its own near field communication function, so as to establish a near field communication connection with the near field communication payment device, and then can perform near field communication with the near field communication payment device through the near field communication function.

[0047] The user terminal can be in a locked mode or an unlocked mode when it is in transaction with the near field communication payment device. The locked mode refers to a mode in which the screen of the user terminal is in a locked state, and the locked state can include a black screen state and a bright screen but unlocked state. The unlocked mode refers to a mode in which the screen of the user terminal is in an unlocked state. The user terminal can sense the near field communication payment device when it is in the near field communication radio frequency field of the near field communication payment device, regardless of whether it is in the locked mode or the unlocked mode, and thus perform near field communication with the near field communication payment device. In the related art, the user terminal can directly interact with the near field communication payment device through the real bank card application when it senses the near field communication payment device in the unlocked mode, without the need for unlocking, and thus the payment operation itself is relatively simple without the need for multiple approaches to the near field communication payment device. Therefore, in some embodiments of the present application, the user terminal senses the near field communication payment device in the locked mode and then interacts with the near field communication payment device through the virtual bank card application.

[0048] In some embodiments, the user terminal is installed with a wallet application, and the wallet application can be started when the near field communication payment device is sensed. The screen state of the user terminal is obtained through the wallet application. When the screen state is a locked state, it is determined that the user terminal is in the locked mode. When the screen state is an unlocked state, it is determined that the user terminal is in the unlocked mode.

[0049] When the user terminal senses the near field communication payment device in the locked mode, the virtual bank card application in the SE is called, and the virtual bank card application replaces the real bank card to perform NFC interaction with the near field communication payment device, so as to obtain device-side information. Since the virtual bank card application does not involve a real bank card account and cannot directly complete a bank card transaction, it does not generate an actual fund transaction, and thus the user does not need to authorize unlocking to directly interact with the near field communication payment device through the virtual bank card application.

[0050] The virtual bank card application can obtain device-side information from the near field communication payment device through interaction between the virtual bank card application and the near field communication payment device. The device-side information includes data related to a transaction transmitted by the near field communication payment device to the virtual bank card application. The device-side information can include, but is not limited to, device information of the near field communication payment device, merchant information, and transaction amount information.

[0051] The near field communication payment device can obtain card side information from the virtual bank card application through interaction with the virtual bank card application. The card side information is data related to a transaction transmitted by the virtual bank card application to the near field communication payment device in the interaction process. The card side information can include, but is not limited to, a virtual bank card number in the virtual bank card application. Further, the near field communication payment device can generate device side transaction data based on the obtained card side information, and upload the device side transaction data to the payment processing system to complete online authorization. The device side transaction data refers to data generated by the near field communication payment device for completing a transaction with the user terminal.

[0052] The present application does not require modification of the near field communication payment device. The near field communication payment device can initiate payment, interact with the virtual bank card application through NFC, and generate device side transaction data according to the transaction processing flow supported by itself. In some examples, the transaction processing flow supported by the near field communication payment device is the transaction processing flow between the card and the terminal specified in the financial integrated circuit card specification, which includes the interaction process of non-contact transaction such as application selection, application initialization, reading application data, processing limit, cardholder verification, terminal behavior analysis, etc. Based on this, the virtual bank card application and the near field communication payment device can interact through NFC according to the transaction processing flow specified in the financial integrated circuit card specification.

[0053] In some embodiments, the wallet application installed on the user terminal can interact with the payment processing system and the SE application in the SE. To protect the bank card application, the user terminal can automatically start the wallet application when the near field communication payment device is sensed, and use the wallet application to interact with the near field communication payment device through the virtual bank card application to obtain the device side information.

[0054] Step S202. Obtain transaction information from the virtual bank card application using the wallet application, the transaction information including device side information and a virtual bank card number.

[0055] The wallet application in the started state can detect whether the virtual bank card application and the near field communication payment device have completed interaction through polling or notification, etc. When the virtual bank card application and the near field communication payment device have completed interaction, the wallet application can interact with the virtual bank card application to obtain transaction information from the virtual bank card application. The transaction information at least includes device side information and a virtual bank card number.

[0056] In some embodiments, the user terminal has a near field communication controller, i.e., an NFC controller, which is a device or component responsible for handling NFC communication protocols and data exchange. The NFC controller integrates a radio frequency (RF) transceiver, a digital signal processor, and an interface module. The virtual bank card application has a personalized instruction interface provided by the wallet application, such as a get.Transfer interface. The wallet application can interact with the SE application through the NFC controller. Based on this, in the above step S202, the wallet application can be used to generate an acquisition instruction for acquiring transaction information, and the acquisition instruction is forwarded to the virtual bank card application through the near field communication controller. After receiving the acquisition instruction, the virtual bank card application returns the device-side information and the virtual bank card number and other information to the wallet application, so that the wallet application acquires the transaction information containing the device-side information and the virtual bank card number.

[0057] Step S203. Interact with the real bank card application using the wallet application in the unlocked state to acquire card-side transaction data corresponding to the transaction information.

[0058] As mentioned above, in the above step S201, the user terminal interacts with the near field communication device through the virtual bank card application in the locked mode, and after the interaction is completed, the user terminal can still be in the locked mode. In view of this, in order to be able to use the real bank card application, before executing the above step S203, the user terminal can be switched from the locked mode to the unlocked mode, so as to execute the above step S203 in the unlocked mode.

[0059] In some embodiments, in the case where the device-side information is acquired, the user terminal can leave the near field communication radio frequency field of the near field communication payment device, i.e., leave the NFC sensing range of the near field communication payment device, in order to perform the unlocking operation.

[0060] In some embodiments, the user terminal can be invoked by the wallet application to start a user identity verification interface, so as to display the user identity verification interface in the wallet application, obtain user identity verification information through the user identity verification interface, perform user identity verification based on the user identity verification information, and in the case of successful user identity verification, unlock the screen of the user terminal to switch the user terminal to the unlocked mode. The user identity verification interface is an interface for prompting the user to perform identity verification. The user can input user identity verification information in the user identity verification interface, so that the user identity verification information is obtained through the user identity verification interface. The user identity verification information can include, but is not limited to, biometric information, payment password information, etc., and the biometric information can include, but is not limited to, fingerprint information, iris information, face information, palm print information, voiceprint information, etc. After obtaining the user identity verification information, the user is authenticated based on the obtained user identity verification information, and after successful authentication, the screen of the user terminal is unlocked, so that the user terminal is switched from the locked mode to the unlocked mode.

[0061] In the case that the user terminal is in the unlocked mode, after the wallet application obtains the transaction information, the device-side information therein can be interacted with the real bank card application in the SE, so as to obtain card-side transaction data from the real bank card. The card-side transaction data refers to data related to the real bank card used for the transaction. The card-side transaction data can include, but is not limited to, real bank card number, magnetic track, ATC, ARQC, etc.

[0062] In some embodiments, the real bank card application has a personalized instruction interface provided by the wallet application. Based on this, in the above step S203, the wallet application can generate an application protocol data unit (APDU) instruction according to the device-side information, send the APDU instruction to the real bank card application through the near field communication controller, and the real bank card application sends the corresponding card-side transaction data to the wallet application based on the APDU instruction, so that the wallet application can receive the card-side transaction data returned by the real bank card application.

[0063] In some embodiments, when the wallet application interacts with the real bank card application, the wallet application acts as a near field communication payment device, and the wallet application can interact with the real bank card application according to a transaction processing flow supported by the near field communication payment device. In some examples, the transaction processing flow supported by the near field communication payment device is a transaction processing flow between a card and a terminal specified in the financial integrated circuit card specification, which can include processes such as application selection, application initialization, reading application data, processing restrictions, cardholder verification, terminal behavior analysis, etc. Based on this, the wallet application can generate APDU instructions related to the application selection, application initialization, reading application data, processing restrictions, cardholder verification, terminal behavior analysis, etc. in sequence, and forward the APDU instructions to the real bank card application through the NFC controller. Step S204. The wallet application generates a first bank card transaction message according to the virtual bank card number and the card-side transaction data, and sends the first bank card transaction message to the payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message.

[0064] After obtaining the virtual bank card number and the card-side transaction data, the wallet application combines the virtual bank card number and the card-side transaction data to obtain a first bank card transaction message, and uploads the first bank card transaction message to the payment processing system. After receiving the first bank card transaction message, the payment processing system can perform transaction processing based on the first bank card transaction message and the device-side transaction data reported by the near field communication payment device, thereby obtaining a transaction result. The transaction result is used to indicate a transaction state, and the transaction state is payment success or payment failure.

[0065] In some embodiments, when combining the virtual bank card number and the card-side transaction data, the virtual bank card number can be placed in a field unrelated to the bank card in the first bank card transaction message. For example, taking the first bank card transaction message as an ISO 8583 message as an example, the virtual bank card number can be placed in the domain 62, the domain 63.2, etc. custom data domain of the ISO 8583 message.

[0066] Step S205. Receive the transaction result sent by the payment processing system.

[0067] After performing transaction processing based on the first bank card transaction message and the device-side transaction data reported by the near field communication payment device, the payment processing system sends the transaction result to the user terminal and / or the near field communication payment device, so that the user terminal and / or the near field communication payment device can receive the transaction result sent by the payment processing system, and the transaction is completed.

[0068] In some embodiments, after receiving the transaction result, the user terminal can generate and display a transaction status interface based on the transaction result through the wallet application, and the transaction status interface includes the transaction status indicated by the transaction result. In this way, the user can intuitively understand the transaction status.

[0069] In the embodiments of the present application, the SE of the user terminal has a virtual bank card application, and when the user terminal senses the near field communication payment device in the locked mode, the virtual bank card application interacts with the near field communication payment device to obtain the device-side information. The virtual bank card application does not generate actual fund transactions, so it can interact with the near field communication payment device without unlocking the user terminal. The user terminal obtains transaction information from the virtual bank card application through the wallet application, the transaction information including the device-side information and the virtual bank card number; interacts with the real bank card application through the wallet application in the unlocked mode to obtain the card-side transaction data corresponding to the device-side information; generates a first bank card transaction message according to the virtual bank card number and the card-side transaction data through the wallet application, and sends the first bank card transaction message to the payment processing system; receives the transaction processing result sent by the payment processing system. In this way, the independence of the interaction between the user terminal and the near field communication payment device and the generation process of the first bank card transaction message is realized, and the user terminal only needs to obtain the first bank card transaction message through internal data interaction and processing after obtaining the device-side information in the locked mode, without the need to interact with the near field communication payment device again. Therefore, even if the user terminal leaves the near field communication radio frequency field of the near field communication payment device when it is unlocked, it does not need to approach the near field communication payment device again, thereby reducing the payment operation of the user, improving the convenience of payment, and improving the speed and efficiency of payment.

[0070] The second aspect of the present application provides a payment method, which can be applied to a transaction processing system, that is, the payment method can be executed by the transaction processing system. Figure 3 The flowchart of the payment method provided by an embodiment of the second aspect of the present application is shown in Figure 3 The payment method can include steps S301 and S305.

[0071] Step S301. Obtain the first bank card transaction message sent by the user terminal and the device-side transaction data sent by the near field communication payment device, and the first bank card transaction message contains the virtual bank card number and the card-side transaction data.

[0072] The payment processing system is in communication connection with the user terminal and the near field communication payment device. In the scenario of transaction through the user terminal with the near field communication payment device, the user terminal reports the first bank card transaction message to the payment processing system after generating the first bank card transaction message, and the near field communication payment device reports the device side transaction data to the payment processing system after generating the device side transaction data. In this way, the payment processing system can obtain the first bank card transaction message sent by the user terminal and the device side transaction data sent by the near field communication payment device.

[0073] The specific description of the first bank card transaction message and the device side transaction data can be referred to the related description in the above embodiment, which will not be repeated here.

[0074] Step S302. Matching the card side transaction data and the device side transaction data based on the virtual bank card number to obtain a matching result.

[0075] After the payment processing system obtains the first bank card transaction message and the device side transaction data, the card side transaction data in the first bank card transaction message and the device side transaction data are matched based on the virtual bank card number to determine whether they belong to the same transaction. The matching result is used to indicate whether the first bank card transaction message and the device side transaction data match. If they match, it means that they belong to the same transaction. If they do not match, it means that they do not belong to the same transaction.

[0076] In some embodiments, the card side transaction data and the device side transaction data can be matched in a precise matching manner. The virtual bank card number is compared with the bank card number in the device side transaction data to obtain a comparison result. In the case that the comparison result indicates that the virtual bank card number is consistent with the bank card number in the device side transaction data, it is determined that the card side transaction data and the device side transaction data match. In the case that the comparison result indicates that the virtual bank card number is inconsistent with the bank card number in the device side transaction data, it is determined that the card side transaction data and the device side transaction data do not match. Wherein, consistent means exactly the same. In this way, it helps to improve the transaction security.

[0077] Step S303. In the case that the matching result indicates that the card side transaction data and the device side transaction data match, a second bank card transaction message is generated based on the card side transaction data and the device side transaction data.

[0078] If the card-side transaction data and the device-side transaction data match, it indicates that the card-side transaction data and the device-side transaction data belong to the same transaction. Since the card-side transaction data and the device-side transaction data each only include single-side transaction data, the card-side transaction data and the device-side transaction data cannot be directly used for transaction processing. Therefore, after determining that the card-side transaction data and the device-side transaction data match, the first bank card transaction message and the device-side transaction data are integrated, so as to obtain a complete bank card transaction message, that is, a second bank card transaction message. The second bank card transaction message includes the card-side and device-side data related to the transaction.

[0079] In some embodiments, the payment processing system can obtain first transaction data in the card-side transaction data and second transaction data in the device-side transaction data, where the first transaction data is transaction data related to a real bank card used for payment, and the second transaction data is transaction data related to the near field communication payment device, and then generate a second bank card transaction message based on the first transaction data and the second transaction data.

[0080] In some embodiments, the card-side transaction data and the device-side transaction data are both messages conforming to a preset specification. Based on this, the payment processing system can extract the first transaction data and the second transaction data from the card-side transaction data and the device-side transaction data, respectively, according to the corresponding message specification. For example, taking a POS terminal as the near field communication payment device, the device-side transaction data uploaded by the POS terminal is a message conforming to the China UnionPay card POS application specification. Then, the following data fields in the device-side transaction data can be extracted as the second transaction data: 3, 4, 11, 12, 13, 22, 25, 32, 41, 42, 44, 47, 49, 59, 60, 62, 63, and 64.

[0081] If the matching result indicates that the card-side transaction data and the device-side transaction data do not match, it indicates that the card-side transaction data and the device-side transaction data do not belong to the same transaction.

[0082] Step S304. Perform transaction processing based on the second bank card transaction message to obtain a transaction result.

[0083] The second bank card transaction message generated based on the card-side transaction data and the device-side transaction data continues to circulate in the payment processing system. The payment processing system includes a preset transaction processing logic. The payment processing system can process the second bank card transaction message according to the preset transaction processing logic through an existing channel, so as to obtain a transaction result. The embodiments do not make specific limitations on the transaction processing logic in the payment processing system.

[0084] Step S305. Send the transaction result to the user terminal and the near field communication payment device.

[0085] The payment processing system transmits the transaction result to the user terminal and the near field communication payment device after obtaining the transaction result by processing the second bank card transaction message, and the transaction process is completed.

[0086] In the embodiment of the present application, the payment processing system obtains the first bank card transaction message sent by the user terminal and the device-side transaction data sent by the near field communication payment device, the first bank card transaction message containing a virtual bank card number and card-side transaction data; matches the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; generates a second bank card transaction message based on the card-side transaction data and the device-side transaction data in the case that the matching result indicates that the card-side transaction data and the device-side transaction data match; performs transaction processing based on the second bank card transaction message to obtain a transaction result; and sends the transaction result to the user terminal and the near field communication payment device. The payment processing system intercepts the card-side transaction data and the device-side transaction data to form a complete bank card message for subsequent processing process, thereby completing the transaction process. Based on the related description of the above embodiment, the user terminal only needs to be close to the near field communication payment device once in the entire transaction process, which simplifies the payment operation of the user and can improve the convenience of the user payment.

[0087] For the sake of convenience, the interaction process between the user terminal, the near field communication payment device and the payment processing system in the case that the user terminal is in a locked state and senses the near field communication payment device will be described below with an example. Figure 4 and Figure 5 The interaction process between the user terminal, the near field communication payment device and the payment processing system in the case that the user terminal senses the near field communication payment device will be described below with an example. Figure 4 As shown in FIG. 1, the user terminal has a near field communication controller, a security unit, a wallet application, the security unit has a virtual bank card application and a real bank card application. The cooperation process of the user terminal can include steps a1 to a7. Figure 4

[0088] Step a1. The near field communication payment device initiates payment in the existing manner, starts the near field communication function of itself, and waits for the completion of the non-interface transaction.

[0089] Step a2. The user terminal senses the near field communication payment device in the locked mode and interacts with the near field communication payment device through the virtual bank card application.

[0090] ​The user terminal is close to the near field communication payment device in the locked mode. In the case of entering the NFC radio frequency field of the near field communication payment device, the wallet application can be started according to the existing mechanism, the virtual bank card application is selected through the wallet application, and the NFC interaction of the bank card transaction with the near field communication payment device is completed. Since the virtual bank card application does not generate an actual fund transaction, the user does not need to be unlocked and authorized.

[0091] The virtual bank card application and the near field communication payment device complete the NFC interaction process in the non-contact transaction in the existing manner. After the near field communication payment device detects the virtual bank card application, the application selection, application initialization, reading application data, processing limit, cardholder verification, terminal behavior analysis and other instruction interaction processes of the non-contact transaction can be completed with the virtual bank card application according to the process of the financial integrated circuit card specification, and the device-side transaction data is generated.

[0092] Step a3. The near field communication payment device uploads the generated device-side transaction data to the payment processing system.

[0093] Step a4. The wallet application of the user terminal determines that the interaction between the virtual bank card application and the near field communication payment device is completed, and interacts with the bank card application in the secure element through the near field communication controller to generate a first bank card transaction message containing a virtual bank card number.

[0094] After the wallet application detects that the virtual bank card application and the near field communication payment complete the NFC interaction through polling or notification, the interaction with the bank card application in the SE is started. The interaction can be completed through APDU instructions, which are forwarded to the SE application through the NFC controller. First, the wallet application generates an access instruction to obtain the transaction information such as the transaction amount and the virtual bank card number. Then, the wallet application can pop up a user identity verification interface, and after the user terminal is unlocked after the user identity verification is successful, the wallet application can generate relevant APDU instructions in sequence according to the financial integrated circuit card specification, and forward the APDU instructions to the real bank card application through the NFC controller, so as to complete the application selection, application initialization, reading application data, cardholder verification, terminal risk management, terminal behavior analysis and other interaction processes with the real bank card application, and obtain the card-side transaction data such as the real bank card number, the magnetic track, the ATC and the ARQC returned by the real bank card application. Finally, the wallet application generates a first bank card transaction message according to the virtual bank card number and the card-side transaction data of the real bank card, and the virtual bank card number can be placed in a field unrelated to the real bank card in the first bank card transaction message.

[0095] Step a5. The user terminal uploads the first bank card transaction message to the payment processing system through the wallet application.

[0096] Step a6. The payment processing system completes transaction matching, data integration and transaction processing based on the device-side transaction data and the first bank card transaction message, and obtains a transaction result.

[0097] The payment processing system intercepts and matches the device-side transaction data uploaded by the near field communication transaction device and the card-side transaction data uploaded by the wallet application of the user terminal according to the virtual bank card number. After the device-side transaction data and the card-side transaction data are matched, the payment processing system extracts device-side related second transaction data from the device-side transaction data and extracts other bank card related first transaction data from the card-side transaction data, and then re-integrates the first transaction data and the second transaction data to assemble a new bank card transaction message, that is, a second bank card transaction message. The second bank card transaction message continues to flow in the payment processing system and completes the subsequent processing process to obtain a transaction result.

[0098] Step a7. The payment processing system transmits the transaction result to the user terminal and the near field communication payment device, and completes the transaction process.

[0099] Figure 5 A flowchart of an example of the payment interaction process in the locked state of the user terminal provided by the embodiments of the present application is shown in FIG. 2. The payment interaction process includes steps b1 to b7. Figure 5

[0100] Step b1. The near field communication payment device initiates payment in the existing manner, starts the near field communication function of the near field communication payment device, and waits for the completion of the non-contact transaction.

[0101] Step b2. The user terminal senses the near field communication payment device in the locked state, and interacts with the near field communication payment device through the virtual bank card application.

[0102] Step b3. The near field communication payment device uploads the generated device-side transaction data to the payment processing system.

[0103] Step b4. The wallet application of the user terminal interacts with the bank card application in the secure unit through the near field communication controller to generate a first bank card transaction message containing a virtual bank card number, in a case where the interaction between the virtual bank card application and the near field communication payment device is determined to be completed.

[0104] Step b5. The user terminal uploads the first bank card transaction message to the payment processing system through the wallet application.

[0105] Step b6. The payment processing system completes transaction matching, data integration and transaction processing based on the device-side transaction data and the first bank card transaction message, and obtains a transaction result.

[0106] ​Step b7. The payment processing system transmits the transaction result to the user terminal and the near-field communication payment device, completing the transaction process.

[0107] For the detailed description of the above steps b1 to b7, please refer to the relevant description in the above embodiment, which will not be repeated here.

[0108] A third aspect of the present application provides a user terminal. Figure 6 A schematic diagram of the structure of a user terminal provided in an embodiment of the third aspect of the present application is shown as follows: Figure 6 As shown, the user terminal 600 may include a first acquisition module 601 , a second acquisition module 602 , a third acquisition module 603 , a generation module 604 , a sending module 605 and a receiving module 606 .

[0109] A first acquisition module 601 is configured to, when a near-field communication payment device is sensed in a locked state, interact with the near-field communication payment device through a virtual bank card application to acquire device-side information;

[0110] A second acquisition module 602 is configured to acquire transaction information from the virtual bank card application using the wallet application, the transaction information including device-side information and the virtual bank card number;

[0111] The third acquisition module 603 is used to interact with the real bank card application using the wallet application in the unlock mode to obtain the card-side transaction data corresponding to the device-side information;

[0112] A generating module 604 is configured to generate a first bank card transaction message based on the virtual bank card number and the card-side transaction data using a wallet application;

[0113] A sending module 605 is configured to use the wallet application to send the first bank card transaction message to the payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message;

[0114] The receiving module 606 is used to receive the transaction result sent by the payment processing system.

[0115] In the embodiment of the present application, the SE of the user terminal has a virtual bank card application, and the user terminal interacts with the near field communication payment device through the virtual bank card application to obtain device side information when the user terminal senses the near field communication payment device in the locked mode. The virtual bank card application does not generate actual fund transaction, and therefore, the user terminal can interact with the near field communication payment device without being unlocked. The user terminal obtains transaction information from the virtual bank card application by using the wallet application, the transaction information including device side information and a virtual bank card number; interacts with the real bank card application by using the wallet application in the unlocked mode to obtain card side transaction data corresponding to the device side information; generates a first bank card transaction message according to the virtual bank card number and the card side transaction data by using the wallet application, and sends the first bank card transaction message to a payment processing system; and receives a transaction processing result sent by the payment processing system. In this way, the independence of the interaction between the user terminal and the near field communication payment device and the generation process of the first bank card transaction message is realized, and after obtaining the device side information in the locked mode, the user terminal only needs to obtain the first bank card transaction message through internal data interaction and processing, and does not need to interact with the near field communication payment device again. Therefore, even if the user terminal leaves the near field communication radio frequency field of the near field communication payment device when being unlocked, the user terminal does not need to be close to the near field communication payment device again, thereby reducing the payment operation of the user, improving the convenience of payment, and improving the speed and efficiency of payment.

[0116] In some embodiments, the first obtaining module 601 can be specifically configured to: start the wallet application when the near field communication payment device is sensed; and interact with the near field communication payment device through the virtual bank card application by using the wallet application to obtain device side information.

[0117] In some embodiments, the user terminal includes a near field communication controller, and the second obtaining module 602 can be specifically configured to: generate an obtaining instruction for obtaining transaction information by using the wallet application; forward the obtaining instruction to the virtual bank card application through the near field communication controller; and receive the transaction information returned by the virtual bank card application by using the wallet application.

[0118] In some embodiments, the user terminal includes a near field communication controller, and the third obtaining module 603 can be specifically configured to: generate an application protocol data unit (APDU) instruction according to the device side information by using the wallet application; send the APDU instruction to the real bank card application through the near field communication controller; and receive the card side transaction data returned by the real bank card application by using the wallet application.

[0119] In some embodiments, the user terminal 600 further comprises an unlocking module, configured to: display a user identity verification interface in the wallet application; acquire user identity verification information through the user identity verification interface; perform user identity verification based on the user identity verification information; and in a case where the user identity verification is successful, unlock the screen of the user terminal, so that the screen state is switched to an unlocked state.

[0120] The fourth aspect of the present application provides a payment processing system. Figure 7 An example of the payment processing system according to the fourth aspect of the present application is shown in FIG. 7. Figure 7 As shown in FIG. 7, the payment processing system 700 can comprise an acquiring module 701, a matching module 702, a generating module 703, a processing module 704, and a sending module 705.

[0121] The acquiring module 701 is configured to acquire a first bank card transaction message sent by a user terminal and device-side transaction data sent by a near field communication payment device, the first bank card transaction message comprising a virtual bank card number and card-side transaction data.

[0122] The matching module 702 is configured to match the card-side transaction data and the device-side transaction data based on the virtual bank card number, to obtain a matching result.

[0123] The generating module 703 is configured to, in a case where the matching result indicates that the card-side transaction data and the device-side transaction data match, generate a second bank card transaction message based on the card-side transaction data and the device-side transaction data.

[0124] The processing module 704 is configured to perform transaction processing based on the second bank card transaction message, to obtain a transaction result.

[0125] The sending module 705 is configured to send the transaction result to the user terminal and the near field communication payment device.

[0126] In the embodiments of the present application, the payment processing system acquires the first bank card transaction message sent by the user terminal and the device-side transaction data sent by the near field communication payment device, the first bank card transaction message containing the virtual bank card number and the card-side transaction data; matches the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; generates a second bank card transaction message based on the card-side transaction data and the device-side transaction data in the case where the matching result indicates that the card-side transaction data and the device-side transaction data match; performs transaction processing based on the second bank card transaction message to obtain a transaction result; and sends the transaction result to the user terminal and the near field communication payment device. The payment processing system intercepts the card-side transaction data and the device-side transaction data to form a complete bank card message for subsequent processing procedures, thereby completing the transaction process. As can be known from the related description of the above embodiments, the user terminal only needs to be close to the near field communication payment device once in the entire transaction process, which simplifies the payment operation of the user and can improve the convenience of the user payment.

[0127] In some embodiments, the matching module 702 can be specifically configured to: compare the virtual bank card number with the bank card number in the device-side transaction data to obtain a comparison result; determine that the card-side transaction data and the device-side transaction data match in the case where the comparison result indicates that the virtual bank card number is consistent with the bank card number in the device-side transaction data; and determine that the card-side transaction data and the device-side transaction data do not match in the case where the comparison result indicates that the virtual bank card number is inconsistent with the bank card number in the device-side transaction data.

[0128] In some embodiments, the generating module 703 can be specifically configured to: acquire first transaction data in the card-side transaction data, the first transaction data being transaction data related to a real bank card used for payment; acquire second transaction data in the device-side transaction data, the second transaction data being transaction data related to the near field communication payment device; and generate a second bank card transaction message based on the first transaction data and the second transaction data.

[0129] The fifth aspect of the present application provides a user terminal. Figure 8 As shown in the structural schematic diagram of the user terminal provided by an embodiment of the fifth aspect of the present application, Figure 8 The user terminal 800 can include a memory 801, a processor 802, and a computer program stored on the memory 801 and executable on the processor 802.

[0130] In some examples, the processor 802 described above can include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or can be configured as one or more integrated circuits that implement the embodiments of the present application.

[0131] The memory 801 can include a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions that, when executed (e.g., by one or more processors), are operable to perform the operations described with reference to the payment method according to the embodiments of the first aspect of the present application.

[0132] The processor 802 runs a computer program corresponding to the executable program code stored in the memory 801 by reading the executable program code, for implementing the payment method in the above-described embodiments of the first aspect.

[0133] In some examples, the user terminal 800 can further include a communication interface 803 and a bus 804. As shown, the memory 801, the processor 802, and the communication interface 803 are connected through the bus 804 and complete communication therebetween. Figure 8

[0134] The communication interface 803 is mainly used to implement the communication between various modules, devices, units, and / or equipment in the embodiments of the present application. The input device and / or the output device can also be accessed through the communication interface 803.

[0135] ​Bus 804 includes a hardware, software, or both that couples components of user terminal 800 to each other. As an example and not by way of limitation, bus 804 can include an accelerated graphics port (AGP) or other graphics bus, an enhanced industry standard architecture (EISA) bus, a front-side bus (FSB), a Hyper Transport (HT) interconnect, an industry standard architecture (ISA) bus, an InfiniBand™ interconnect, a low pin count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a peripheral component interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a serial advanced technology attachment (SATA) bus, a video electronics standards board (VESA) local bus (VLB), or another suitable bus or a combination of two or more of these. Where appropriate, bus 804 can include one or more buses. Although this application describes and shows a particular bus, this application contemplates any suitable bus or interconnect.

[0136] The sixth aspect of the application provides a payment processing system, which can include a memory, a processor, and a computer program stored on the memory and executable on the processor. The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to the payment method according to the second aspect of the application. The processor executes the computer program corresponding to the executable program code stored in the memory by reading the executable program code to implement the payment method according to the second aspect of the application.

[0137] In some examples, the payment processing system can further include a communication interface and a bus. The memory, the processor, and the communication interface are connected by the bus and complete communication with each other.

[0138] The specific content and connection of the memory, the processor, the communication interface and the bus can refer to the content of the implementation and connection of the memory, the processor, the communication interface and the bus in the user terminal in the fifth aspect, which will not be described here.

[0139] The seventh aspect of the present application provides a payment system, which can include a near field communication payment device, and the user terminal and the payment processing system in the above-mentioned embodiments, wherein the near field communication payment device and the user terminal are respectively connected with the payment processing system in communication.

[0140] The eighth aspect of the present application provides a computer readable storage medium, which stores computer program instructions, the computer program instructions are executed by the processor to realize the payment method in the first aspect embodiment or the payment method in the second aspect embodiment, and can achieve the same technical effect, to avoid repetition, which will not be described here. The computer readable storage medium can include a non-transitory computer readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc., which is not limited here.

[0141] The ninth aspect of the present application provides a computer program product, which includes a computer program, the computer program is executed by the processor to realize the payment method in the first aspect embodiment or the payment method in the second aspect embodiment, and can achieve the same technical effect, to avoid repetition, which will not be described here.

[0142] It should be clear that each embodiment in the present specification is described in a progressive manner, and the same or similar parts between each embodiment can be referred to each other, and each embodiment mainly describes the difference from other embodiments. For the user terminal embodiment, the near field communication payment device embodiment, the system embodiment, the computer readable storage medium embodiment, the computer program product embodiment, the relevant part can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order of the steps after understanding the spirit of the present application. And, for the sake of simplicity, the detailed description of the known method technology is omitted here.

[0143] The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other processing device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other processing device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks. Alternatively, computer program implemented steps can be

[0144] Those skilled in the art will understand that the embodiments described above are merely exemplary and not limiting. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Those skilled in the art will understand and appreciate other variations of the disclosed embodiments upon studying the drawings, the specification and the claims. In the claims, the term "comprising" does not exclude other devices or steps; the term "one" does not exclude a plurality; the term "first", "second" etc. do not imply any order; the terms "first", "second" etc. are used to name the names and not to indicate any specific order. Any reference signs in the claims should not be construed as limiting the scope of the claims. The functions of a plurality of parts can be carried out by a single hardware or software module. The fact that certain technical features appear in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A payment method, characterized in that: The method is applied to a user terminal, the user terminal having a wallet application and a secure element (SE), the SE having a virtual bank card application and a real bank card application, the virtual bank card application being an SE application built based on a virtual bank card, and the real bank card application being an SE application built based on a real bank card, and comprising: When a near-field communication payment device is sensed in the locked mode, interacting with the near-field communication payment device through the virtual bank card application to obtain device-side information; Using the wallet application to obtain transaction information from the virtual bank card application, the transaction information including the device-side information and the virtual bank card number; In unlocked mode, the wallet application is used to interact with the real bank card application to obtain card-side transaction data corresponding to the device-side information; generating, using the wallet application, a first bank card transaction message based on the virtual bank card number and the card-side transaction data, and sending the first bank card transaction message to a payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message; Receive the transaction processing result sent by the payment processing system.

2. The method according to claim 1, characterized in that When a near field communication payment device is sensed, interacting with the near field communication payment device through the virtual bank card application to obtain device-side information includes: In the case where a near field communication payment device is sensed, launching the wallet application; The wallet application is used to interact with the near field communication payment device through the virtual bank card application to obtain device-side information.

3. The method according to claim 1, characterized in that The user terminal includes a near field communication controller; The obtaining transaction information from the virtual bank card application using the wallet application includes: generating, using the wallet application, an acquisition instruction for acquiring the transaction information; forwarding the acquisition instruction to the virtual bank card application via the near field communication controller; The transaction information returned by the virtual bank card application is received by using the wallet application.

4. The method according to claim 1, wherein The user terminal includes a near field communication controller; The utilizing the wallet application to interact with the real bank card application to obtain the card-side transaction data corresponding to the device-side information includes: Generate an application protocol data unit (APDU) instruction using the wallet application according to the device-side information; Sending the APDU instruction to the real bank card application through the near field communication controller; The wallet application is used to receive the card-side transaction data returned by the real bank card application.

5. The method according to claim 1, wherein Before using the wallet application to interact with the real bank card application in the unlocked mode to obtain the card-side transaction data corresponding to the device-side information, the method further includes: Displaying a user authentication interface in the wallet application; Obtaining user identity authentication information through the user identity authentication interface; Performing user identity authentication based on the user identity authentication information; When the user identity authentication is successful, the screen of the user terminal is unlocked so that the user terminal switches to an unlock mode.

6. The method according to any one of claims 1 to 5, characterized in that The method further comprises: When the device-side information is obtained, the user leaves the NFC radio frequency field of the NFC payment device.

7. A payment method, characterized in that: Applied to a payment processing system, the method comprises: Obtaining a first bank card transaction message sent by a user terminal and device-side transaction data sent by a near-field communication payment device, wherein the first bank card transaction message includes a virtual bank card number and card-side transaction data; Matching the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; If the matching result indicates that the card-side transaction data and the device-side transaction data match, generating a second bank card transaction message based on the card-side transaction data and the device-side transaction data; Performing transaction processing based on the second bank card transaction message to obtain a transaction result; The transaction result is sent to the user terminal and the near field communication payment device.

8. The method according to claim 7, characterized in that The matching of the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result includes: Comparing the virtual bank card number with the bank card number in the device-side transaction data to obtain a comparison result; If the comparison result indicates that the virtual bank card number is consistent with the bank card number in the device-side transaction data, determining that the card-side transaction data and the device-side transaction data match; In a case where the comparison result indicates that the virtual bank card number is inconsistent with the bank card number in the device-side transaction data, it is determined that the card-side transaction data and the device-side transaction data do not match.

9. The method according to claim 7, characterized in that The generating a second bank card transaction message based on the card-side transaction data and the device-side transaction data includes: Acquire first transaction data from the card-side transaction data, where the first transaction data is transaction data related to a real bank card used for payment; Acquire second transaction data from the device-side transaction data, where the second transaction data is transaction data related to the near-field communication payment device; A second bank card transaction message is generated based on the first transaction data and the second transaction data.

10. A user terminal, characterized in that: The user terminal has a wallet application and a security element SE, the SE has a virtual bank card application and a real bank card application, the virtual bank card application is a SE application built based on a virtual bank card, and the real bank card application is a SE application built based on a real bank card. The user terminal also includes: a first acquisition module, configured to, when a near field communication payment device is sensed in a locked mode, interact with the near field communication payment device through the virtual bank card application to acquire device-side information; A second acquisition module is configured to acquire transaction information from the virtual bank card application using the wallet application, the transaction information including the device-side information and the virtual bank card number; a third acquisition module, configured to interact with the real bank card application using the wallet application in unlock mode to acquire card-side transaction data corresponding to the device-side information; a generating module, configured to generate a first bank card transaction message based on the virtual bank card number and the card-side transaction data using the wallet application; a sending module, configured to use the wallet application to send the first bank card transaction message to a payment processing system, so that the payment processing system performs transaction processing based on the first bank card transaction message; The receiving module is used to receive the transaction result sent by the payment processing system.

11. A payment processing system, characterized in that: include: an acquisition module, configured to acquire a first bank card transaction message sent by a user terminal and device-side transaction data sent by a near-field communication payment device, wherein the first bank card transaction message includes a virtual bank card number and card-side transaction data; a matching module, configured to match the card-side transaction data and the device-side transaction data based on the virtual bank card number to obtain a matching result; a generating module, configured to generate a second bank card transaction message based on the card-side transaction data and the device-side transaction data if the matching result indicates that the card-side transaction data and the device-side transaction data match; a processing module, configured to perform transaction processing based on the second bank card transaction message and obtain a transaction result; A sending module is used to send the transaction result to the user terminal and the near field communication payment device.

12. A user terminal, characterized in that: The user terminal has a wallet application and a security element SE, and the SE has a virtual bank card application and a real bank card application. The virtual bank card application is an SE application built based on a virtual bank card, and the real bank card application is an SE application built based on a real bank card; The user terminal further includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method according to any one of claims 1 to 6 is implemented.

13. A payment processing system, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method according to any one of claims 7 to 9 is implemented.

14. A payment system, characterized in that: include: A near field communication payment device, a user terminal according to claim 12, and a payment processing system according to claim 13, wherein the near field communication payment device and the user terminal are respectively communicatively connected to the payment processing system.

15. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the payment method according to any one of claims 1 to 9.

16. A computer program product, characterized in that The invention comprises a computer program, which implements the payment method according to any one of claims 1 to 9 when executed by a processor.

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