Non-contact payment method, device, terminal, system and medium

Abstract

The invention discloses a non-contact payment method, device, terminal and system and a medium, and belongs to the technical field of electronic payment. The method comprises the following steps: determining whether enhancement verification is needed or not according to a first acquisition processing option instruction received from a payment acceptance terminal through non-contact communication; when the verification needs to be enhanced, a pause message is sent to the payment acceptance terminal, and the pause message indicates the payment acceptance terminal to enter a payment pause state; performing enhanced verification according to enhanced verification information input by a user for the enhanced verification interface; under the condition that the enhanced verification is successful, the payment acceptance terminal is connected through non-contact communication, a processing option obtaining response message is sent to the payment acceptance terminal, and the processing option obtaining response message is used for indicating the payment acceptance terminal to execute payment. According to the embodiment of the invention, the security of non-contact payment can be improved.

Description

TECHNICAL FIELD

[0001] The present application belongs to the technical field of electronic payment, and particularly relates to a non-contact payment method, device, terminal, system and medium. BACKGROUND

[0002] With the continuous development of payment technology, the use of non-contact payment is becoming more and more common. Non-contact payment allows the user terminal to securely interact with the payment terminal in a very close range, thereby completing a convenient payment operation.

[0003] However, the timeout duration of the payment terminal in the non-contact payment process is relatively short, for example, the timeout duration of the payment terminal is 10 seconds, and if the non-contact payment duration exceeds the timeout duration, it will cause a payment timeout, resulting in a payment failure. If enhanced verification is performed during the non-contact payment process, the time consumed by the enhanced verification is likely to cause the non-contact payment duration to exceed the timeout duration, thereby causing a payment failure. Therefore, it is difficult to perform enhanced verification during the non-contact payment process, which reduces the security of non-contact payment. SUMMARY

[0004] The embodiments of the present application provide a non-contact payment method, device, terminal, system and medium, which can realize enhanced verification in the non-contact payment process and improve the security of non-contact payment.

[0005] In a first aspect, the embodiments of the present application provide a non-contact payment method applied to a user terminal, which comprises: determining whether enhanced verification is needed according to a first acquisition processing option instruction received from a payment terminal through non-contact communication; in the case of needing enhanced verification, sending a pause message to the payment terminal, the pause message instructing the payment terminal to enter a payment pause state; performing enhanced verification according to enhanced verification information input by a user for an enhanced verification interface; in the case of successful enhanced verification, connecting the payment terminal through non-contact communication and sending an acquisition processing option response message to the payment terminal, the acquisition processing option response message being used to instruct the payment terminal to perform payment.

[0006] In a second aspect, the embodiments of the present application provide a non-contact payment method applied to a payment terminal, which comprises: sending a first acquisition processing option instruction to a user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is needed according to the first acquisition processing option instruction; in the case of needing enhanced verification, receiving a pause message sent by the user terminal; in response to the pause message, entering a payment pause state, and in the case of the payment terminal being in the payment pause state, the user terminal performs enhanced verification according to enhanced verification information input by a user for an enhanced verification interface; in the case of successful enhanced verification, connecting the user terminal through non-contact communication and receiving an acquisition processing option response message sent by the user terminal; and performing payment according to the acquisition processing option response message.

[0007] In a third aspect, an embodiment of the present application provides a non-contact payment device applied to a user terminal, the device comprising: an enhanced verification determination module configured to determine whether enhanced verification is needed according to a first obtaining processing option instruction received from a payment receiving terminal through non-contact communication; a non-contact communication module configured to send a suspension message to the payment receiving terminal to indicate the payment receiving terminal to enter a payment suspension state in the case that the enhanced verification is needed; an enhanced verification module configured to perform enhanced verification according to enhanced verification information input by a user on an enhanced verification interface; and the non-contact communication module is configured to connect the payment receiving terminal through non-contact communication, and send an obtaining processing option response message to the payment receiving terminal to indicate the payment receiving terminal to perform payment in the case that the enhanced verification is successful.

[0008] In a fourth aspect, an embodiment of the present application provides a non-contact payment device applied to a payment receiving terminal, the device comprising: a sending module configured to send a first obtaining processing option instruction to a user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is needed according to the first obtaining processing option instruction; a receiving module configured to receive a suspension message sent by the user terminal in the case that the enhanced verification is needed; a control module configured to enter a payment suspension state in response to the suspension message, and perform enhanced verification according to enhanced verification information input by a user on an enhanced verification interface in the case that the payment receiving terminal is in the payment suspension state; the receiving module is further configured to connect the user terminal through non-contact communication and receive an obtaining processing option response message sent by the user terminal in the case that the enhanced verification is successful; and a payment performing module configured to perform payment according to the obtaining processing option response message.

[0009] In a fifth aspect, an embodiment of the present application provides a user terminal, comprising: a processor and a memory storing computer program instructions; and the processor implements the non-contact payment method of the first aspect when executing the computer program instructions.

[0010] In a sixth aspect, an embodiment of the present application provides a payment receiving terminal, comprising: a processor and a memory storing computer program instructions; and the processor implements the non-contact payment method of the second aspect when executing the computer program instructions.

[0011] In a seventh aspect, an embodiment of the present application provides a non-contact payment system, comprising: the user terminal of the fifth aspect; and the payment receiving terminal of the sixth aspect.

[0012] 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, and the computer program instructions are executed by a processor to implement the non-contact payment method of the first aspect or the non-contact payment method of the second aspect.

[0013] In a ninth aspect, an embodiment of the present application provides a computer program product, comprising a computer program, wherein the computer program is executed by a processor to implement the non-contact payment method of the first aspect or the non-contact payment method of the second aspect.

[0014] The embodiments of the present application provide a non-contact payment method, device, terminal, system and medium. In the process of non-contact payment, whether enhanced verification is needed is determined by a user terminal according to interaction with a payment terminal. In the case where enhanced verification is needed, the user terminal sends a suspension message to the payment terminal, so that the payment terminal enters a payment suspension state. When the payment terminal is in the payment suspension state, the user terminal can perform enhanced verification on the user. In the case where the enhanced verification is successful, the user terminal connects the payment terminal through non-contact communication, so that the payment terminal performs payment. The payment terminal in the payment suspension state does not perform the payment process. Correspondingly, the time when the payment terminal enters the payment suspension state does not belong to the non-contact payment duration. That is, the duration consumed by the enhanced verification does not belong to the non-contact payment duration. The enhanced verification does not cause the non-contact payment duration to exceed the timeout duration, so that the enhanced verification in the non-contact payment process is implemented, and the security of the non-contact payment is improved. BRIEF DESCRIPTION OF DRAWINGS

[0015] 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. For those skilled in the art, other drawings can also be obtained without creative labor on the basis of these drawings.

[0016] Figure 1 The structural schematic diagram of the non-contact payment system provided by an embodiment of the present application is shown in the figure. Figure 2 The flowchart of the non-contact payment method applied to the user terminal provided by an embodiment of the present application is shown in the figure. Figure 3 The flowchart of the non-contact payment method applied to the payment terminal provided by an embodiment of the present application is shown in the figure. Figure 4 The schematic diagram of one example of the non-contact payment process provided by an embodiment of the present application is shown in the figure. Figure 5 The structural schematic diagram of the non-contact payment device applied to the user terminal provided by an embodiment of the present application is shown in the figure. Figure 6 The structural schematic diagram of the non-contact payment device applied to the payment terminal provided by an embodiment of the present application is shown in the figure. Figure 7 The structural schematic diagram of the user terminal provided by an embodiment of the present application is shown in the figure. DETAILED DESCRIPTION

[0017] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of this application are all authorized by users or relevant organizations and comply with the relevant provisions of national laws and regulations.

[0018] With the continuous development of payment technology, contactless payment, or non-contact payment, is becoming increasingly common. Contactless payment allows user terminals to securely interact with payment terminals within a very short range, completing convenient payment transactions. However, the timeout period for contactless payments is relatively short; for example, a 10-second timeout will cause the payment to fail if it exceeds this limit. If enhanced verification is implemented during contactless payments, the time consumed can easily cause the payment to exceed the timeout, leading to further failure. Therefore, enhanced verification is difficult to implement during contactless payments, reducing their security. To improve security, fixed user authentication can be performed before the transaction. However, payment-related information cannot be obtained before the transaction, making it impossible to distinguish between scenarios requiring and not requiring authentication, resulting in a lack of balance between convenience and security. In some payment scenarios, such as overseas payments, users need to open the payment application, enter the payment function page, and then verify their identity. After identity verification, the user must hold the device close to the payment terminal to make the payment. The whole process requires the user to perform four steps, which is quite cumbersome. Especially for some situations where identity verification is not required, the cumbersome process can negatively impact the user's payment experience.

[0019] The application provides a non-contact payment method, device, terminal, system and medium. In the process of non-contact payment, the user terminal determines whether to need enhanced verification according to interaction with the payment receiving terminal. In the case of needing enhanced verification, the user terminal sends a suspension message to the payment receiving terminal, so that the payment receiving terminal enters a payment suspension state. When the payment receiving terminal is in the payment suspension state, the user terminal can perform enhanced verification on the user. In the case of successful enhanced verification, the user terminal connects the payment receiving terminal through non-contact communication, so that the payment receiving terminal performs payment. The time when the payment receiving terminal enters the payment suspension state does not belong to the non-contact payment duration, that is, the duration consumed by the enhanced verification does not belong to the non-contact payment duration, and the enhanced verification will not cause the non-contact payment duration to exceed the timeout duration, so that the enhanced verification in the non-contact payment process is realized, and the security of non-contact payment is improved. In the non-contact payment process, whether to need enhanced verification or even what kind of enhanced verification can be determined according to payment-related information, the scenarios that need to perform user identity verification and the scenarios that do not need to perform identity verification can be distinguished, and the payment convenience and security are balanced. Moreover, by using the non-contact payment method, device, terminal, server, system and medium provided in the application, the user does not need to open the payment application before non-contact payment, and the user does not need to enter the payment function interface to trigger user identity verification, so that the user operation can be reduced, and the payment experience of the user is improved.

[0020] The non-contact payment method, device, terminal, system, medium and program product provided in the application are described below.

[0021] For ease of understanding, the non-contact payment system provided in the embodiment of the application is described first. Figure 1 The architecture schematic diagram of the non-contact payment system provided in an embodiment of the application is shown in FIG. 1. Figure 1 As shown in FIG. 1, the non-contact payment system can include a payment receiving terminal 11 and a user terminal 12.

[0022] The payment receiving terminal 11 is used to receive payment. The payment receiving terminal 11 can be a terminal device on the merchant side, for example, the payment receiving terminal 11 can be a Point of Sale (POS) terminal, i.e., a POS machine or the like. The payment receiving terminal 11 can perform non-contact interaction with the user terminal 12 to realize non-contact payment. The non-contact payment between the payment receiving terminal 11 and the user terminal 12 can be realized through short-distance wireless communication technology or two-dimensional code technology, for example, the short-distance wireless communication technology can include but is not limited to Bluetooth communication technology, Near Field Communication (NFC) technology and the like.

[0023] The user terminal 12 can be used to interact with the payment receiving terminal 11 to make a payment. The user terminal 12 includes, but is not limited to, a mobile phone, a tablet computer, a smart watch, a smart bracelet, and the like. The user terminal 12 can have a secure access module 121 and a payment application 122. The secure access module 121 can be constructed by a software program or implemented by a device hardware, which is not limited herein. In some examples, the secure access module can include a Host Card Emulation (HCE) module or a Secure Element (SE). The HCE module can be constructed by a software program in combination with a short-range wireless communication hardware module (such as a Bluetooth module, an NFC module, and the like), a processing hardware module (such as a main processor, a memory, and the like), and a secure environment (such as a trusted execution environment, and the like). The secure access module 121 can simulate a contactless payment card to interact with the payment receiving terminal 11 to make a contactless payment. The user terminal 12 can have one payment application 122 or a plurality of different payment applications 122, which is not limited herein. The payment application 122 can bind at least one payment card of a user, and the secure access module 121 can simulate the payment card of the user bound by the payment application 122.

[0024] In some examples, the contactless payment system can further include a remote server 13. The remote server 13 can be a remote server with high security and reliability, which is not limited herein. The type and number of the remote server 13 in the embodiments of the present application are not limited. In some examples, the remote server 13 can belong to the same party as the payment application 122; in other examples, the remote server 13 can belong to a party that is accessed by a plurality of payment applications 122, which is not limited herein. The remote server 13 can communicate with the user terminal 12, specifically, the remote server 13 can communicate with the secure access module 121.

[0025] The specific content of the contactless payment method performed by the payment receiving terminal 11, the user terminal 12, and the remote server 13 will be described in detail hereinafter, which is not described herein again.

[0026] The present application also provides a contactless payment method applied to a user terminal, i.e., the contactless payment method can be executed by a user terminal. Figure 2 The flowchart of the contactless payment method applied to a user terminal provided by an embodiment of the present application is shown in FIG. 2, which can include steps S201 to S204. Figure 2

[0027] In step S201, it is determined whether an enhanced verification is needed according to a first acquisition processing option instruction received from the payment receiving terminal through contactless communication.

[0028] ​The non-contact communication herein can be understood as the short-range wireless communication technology in the above embodiments, which will not be described herein again. When the user terminal is close to the payment terminal to a certain distance, the payment terminal and the user terminal can induct each other, and the payment terminal sends a first get processing options instruction to the user terminal. The first get processing options instruction is specifically a get processing options (GPO) instruction, which can be used to initiate a command to the payment card to obtain the key data and execution process required for the payment. The first get processing options instruction can include a processing options data object list (PODL). The user terminal receives the first get processing options instruction, and can parse the PODL in the first get processing options instruction to determine the key data required for the payment. The user terminal can determine whether the enhanced verification is required according to the key data required for the payment.

[0029] In some examples, the user terminal is set to receive the first get processing options instruction in the screen-off state, that is, the user terminal receives the first get processing options instruction from the payment terminal through the non-contact communication in the screen-off state, and the screen-off state refers to the unlocked state of the user terminal.

[0030] In some examples, the user terminal is set to receive the first get processing options instruction in the unlocked state, and the user terminal receives the first get processing options instruction from the payment terminal through the non-contact communication in the unlocked state. However, the payment application is not opened in the unlocked state, nor is the payment page of the payment application entered.

[0031] In some examples, the payment amount can be obtained according to the first obtaining processing option instruction. Specifically, the POLDL in the first obtaining processing instruction can be parsed to obtain the payment amount. If the payment amount is greater than a preset safe payment amount, it is determined that enhanced verification is needed. The preset safe payment amount can be set according to the scene, demand, experience, etc., or can be set by the user, and is not limited herein. If the payment amount is greater than the preset safe payment amount, it is considered that the current payment is a large amount of payment, and the payment risk is high, and enhanced verification is needed. The enhanced verification can include, but is not limited to, one or more of a payment password verification, a fingerprint verification, a face verification, a verification code verification, etc. In the overseas payment scene, the payment amount and the payment currency identifier can be obtained according to the first obtaining processing option instruction. The payment amount obtained according to the first obtaining processing option instruction can be converted into the payment amount of the currency in the user's payment card according to the exchange rate of the currency represented by the payment currency identifier obtained according to the first obtaining processing option instruction and the currency in the user's payment card. Then, it is determined whether the converted payment amount of the currency in the user's payment card is greater than the preset safe payment amount. If the converted payment amount of the currency in the user's payment card is greater than the preset safe payment amount, it is considered that the current payment is a large amount of payment, and the payment risk is high, and enhanced verification is needed.

[0032] In some examples, in the case that the user terminal is in a screen-off state, if the payment amount is less than or equal to a preset safe payment amount, the user terminal directly performs payment by interacting with the payment terminal through non-contact communication. If the payment amount is less than or equal to the preset safe payment amount, the payment is considered as a small amount payment, and the payment risk is low, so that enhanced verification is not needed. In some other examples, in the case that the user terminal is in a state of being unlocked but not entering the payment application, if the payment amount is less than or equal to the preset safe payment amount, the user terminal directly performs payment by interacting with the payment terminal through non-contact communication. In some other examples, in the case that the user terminal is in a state of entering the payment application, if the payment amount is less than or equal to the preset safe payment amount, the user terminal directly performs payment by interacting with the payment terminal through non-contact communication. In the overseas payment scenario, according to the first obtaining processing option instruction, the payment amount and the payment currency identifier can be obtained. The payment amount obtained according to the first obtaining processing option instruction can be converted into the payment amount of the currency in the user payment card according to the exchange rate of the currency represented by the payment currency identifier obtained according to the first obtaining processing option instruction and the currency in the user payment card. Then, it is determined whether the converted payment amount of the currency in the user payment card is greater than the preset safe payment amount. If the converted payment amount of the currency in the user payment card is less than or equal to the preset safe payment amount, the payment is considered as a small amount payment, and the payment risk is low, so that enhanced verification is not needed. In the case that the payment amount is less than or equal to the preset safe payment amount, the user terminal can directly interact with the payment terminal through non-contact communication, so as to directly perform payment. In this payment process, the user does not need to manually open the payment application, and does not need to operate to enter the payment interface of the payment application. In the case that the user is in a screen-off state, the payment can be directly completed, so as to reduce the payment operation of the user, save the payment time, and improve the payment experience of the user.

[0033] In some examples, before the user terminal receives the first obtaining processing option instruction from the payment terminal, when the user terminal is close to the payment terminal to the extent that the payment terminal can sense the user terminal, the payment terminal can send a select application identifier instruction to the user terminal through non-contact communication. The select application identifier instruction can be implemented as a Select AID instruction. The user terminal can send an application identifier feedback message to the payment terminal. The application identifier (AID) can represent the payment application, and is used to ensure that the payment terminal can accurately select and activate the corresponding payment application. After receiving the application identifier feedback message, the payment terminal sends the first obtaining processing option instruction to the user terminal.

[0034] In step S202, in the case that enhanced verification is needed, a pause message is sent to the payment terminal.

[0035] In the case of determining that the enhanced verification is needed, the user terminal sends a suspension message to the payment-accepting terminal. The suspension message instructs the payment-accepting terminal to enter a payment suspension state. The payment-accepting terminal enters the payment suspension state in response to the suspension message and does not enter a payment failure state. If the payment-accepting terminal is activated subsequently, the payment-accepting terminal can continue the payment.

[0036] In some examples, the suspension message includes a suspension state word. The suspension state word can instruct the payment-accepting terminal to enter a payment suspension state. The payment suspension state can include keeping a payment interface and waiting for a retry. For example, the payment suspension state can be a card search state. For example, the user terminal can send a state word SW1 / SW2 to the payment-accepting terminal. The state word SW1 / SW2 is "6986". That is, the suspension state word can be "6986". The suspension state word "6986" indicates suspension or incomplete. For example, "6986" is a special response code and can instruct the payment-accepting terminal to enter a card search state again. After receiving the suspension state word "6986", the payment-accepting terminal does not output a payment failure message directly but keeps a transaction interface and waits for a retry. In the payment suspension state, the payment-accepting terminal can also display a retry prompt message, such as displaying a retry prompt message, displaying "searching for a card again", or playing a retry prompt message.

[0037] In step S203, enhanced verification is performed according to enhanced verification information input by the user for the enhanced verification interface.

[0038] The user terminal can generate an enhanced verification interface according to the enhanced verification instruction. The user terminal can receive input of the user for the enhanced verification interface to obtain enhanced verification information and perform enhanced verification by using the enhanced verification information. The enhanced verification information can correspond to the enhanced verification type. For example, if the enhanced verification type includes payment password verification, the enhanced verification information includes a payment password. If the enhanced verification type includes fingerprint verification, the enhanced verification information includes fingerprint information. If the enhanced verification type includes face verification, the enhanced verification information includes face information. If the enhanced verification type includes verification code verification, the enhanced verification information includes a verification code.

[0039] In some examples, the enhanced verification can be performed by the user terminal itself. In other examples, the enhanced verification can be performed by a background system of a payment application in the user terminal for the payment. Specifically, the user terminal can send the enhanced verification information to the background system of the payment application, and the background system performs enhanced verification by using the enhanced verification information.

[0040] In step S204, in the case of successful enhanced verification, the payment-accepting terminal is connected through the non-contact communication, and a get processing option response message is sent to the payment-accepting terminal.

[0041] If the enhanced verification succeeds, the user terminal can again approach the payment accepting terminal, and in a case where the user terminal and the payment accepting terminal can induct each other, the user terminal can connect the payment accepting terminal, so that the payment accepting terminal recovers from the payment pause state to the payment state. For example, if the enhanced verification succeeds, the user terminal can again approach the payment accepting terminal, and in a case where the user terminal and the payment accepting terminal can induct each other, the user terminal sends the processing option response message to the payment accepting terminal, so that the payment accepting terminal recovers from the payment pause state to the payment state, and continues the subsequent payment process.

[0042] The user terminal can send the processing option response message to the payment accepting terminal, and the payment accepting terminal can execute the subsequent payment process according to the processing option response message. The processing option response message can be generated by the user terminal, and specifically, the processing option response message can be generated by the secure access module in the user terminal. The processing option response message can instruct the payment accepting terminal to execute payment. The processing option response message can be a GPO response message. The processing option response message can include, but is not limited to, dynamic application cryptogram, information required by POLDL, and the like.

[0043] If the enhanced verification fails or the enhanced verification is cancelled, the user terminal can record the payment state, and when the user terminal again communicates with the payment accepting terminal in the future, the user terminal can send the payment failure message to the payment accepting terminal, and the payment failure message can instruct the payment accepting terminal to end payment. The payment accepting terminal can display payment failure information to prompt the user that the payment fails.

[0044] In a case where it is determined that the enhanced verification is not required, the user terminal can directly send the processing option response message to the payment accepting terminal, so that the payment accepting terminal executes payment. The processing option response message can be implemented as a GPO response message.

[0045] In the embodiments of the present application, in the process of the contactless payment, the user terminal determines whether the enhanced verification is required according to the first processing option instruction sent by the payment accepting terminal. In a case where the enhanced verification is required, the user terminal sends the pause message to the payment accepting terminal, so that the payment accepting terminal enters the payment pause state. When the payment accepting terminal is in the payment pause state, the user terminal can perform the enhanced verification on the user. In a case where the enhanced verification succeeds, the user terminal connects the payment accepting terminal through the contactless communication, so that the payment accepting terminal executes payment. The payment accepting terminal in the payment pause state does not execute the payment process, and correspondingly, the time when the payment accepting terminal enters the payment pause state does not belong to the contactless payment duration, that is, the time consumed by the enhanced verification does not belong to the contactless payment duration, and the enhanced verification does not cause the contactless payment duration to exceed the timeout duration, so that the enhanced verification in the contactless payment process is implemented, and the security of the contactless payment is improved.

[0046] In some embodiments, the user terminal can further generate and send, in response to the first obtaining processing option instruction, an obtaining processing option request to the remote server, so that the remote server determines an enhanced verification policy based on the obtaining processing option request; and receive the enhanced verification policy fed back by the remote server, the enhanced verification policy being used to generate the enhanced verification interface. That is, the remote server is configured to: determine an enhanced verification policy based on an obtaining processing option request received from the user terminal, the obtaining processing option request being generated by the user terminal in response to the first obtaining processing option instruction; and send the enhanced verification policy to the user terminal.

[0047] The user terminal can generate an obtaining processing option request according to the first obtaining processing option instruction. Specifically, the user terminal can generate a GPO request, i.e., an obtaining processing option request, according to the payment context information such as POLD parsed from the first obtaining processing option instruction. The obtaining processing option request can include the payment context information such as POLD. The user terminal sends the obtaining processing option request to the remote server. The remote server receives the obtaining processing option request and can obtain payment factor information of the current payment according to the payment context information such as POLD in the obtaining processing option request. The remote server can determine an enhanced verification policy according to the payment factor information and feed back the enhanced verification policy to the user terminal. That is, the enhanced verification policy is determined by the remote server according to the payment factor information, and the payment factor information is obtained based on the obtaining processing option request. The payment factor information can include but is not limited to one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information. The payment information can include but is not limited to one or more of payment amount, payment currency, payment order identifier, payment method, and payment time. The user behavior information can include but is not limited to one or more of user terminal information, user operation habit information, and user payment history information. The payment card information can include but is not limited to one or more of payment Token and cardholder information. The merchant information can include but is not limited to one or more of merchant number, merchant location, and merchant credit information. The geographic location information can include but is not limited to payment geographic location information.

[0048] The enhanced verification policy can include an enhanced verification type, for example, the enhanced verification type can include one or more of, but not limited to, a payment password verification, a fingerprint verification, a face verification, a verification code verification, and the like. Different risk levels of payment risk conditions can be pre-set, and different risk levels of payment risk conditions can correspond to different enhanced verification policies. Different enhanced verification policies can include different enhanced verification types, and can also include different numbers of enhanced verification types. The higher the risk level of the payment risk condition satisfied by the payment factor information, the higher the verification security of the enhanced verification type corresponding to the payment risk condition of the risk level, and the more the number of the corresponding enhanced verification type. For example, the payment factor information includes a payment amount, a payment currency identifier, user credit information, user payment history information, and payment geographic location information, payment risk condition A1 includes a payment amount greater than a preset safe payment amount; payment risk condition A2 includes a payment amount greater than a preset safe payment amount, and user credit information representing a user credit lower than a preset safe credit; payment risk condition A3 includes a payment amount greater than a preset safe payment amount, and a distance between a geographic location represented by the payment geographic location information and a historical payment geographic location in the user payment history information greater than a preset safe distance; the risk level of the payment risk condition A1 is lower than the risk level of the payment risk condition A2, and the risk level of the payment risk condition A2 is lower than the risk level of the payment risk condition A3; if the payment factor information satisfies the payment risk condition A1, the determined enhanced verification policy can include a payment password verification; if the payment factor information satisfies the payment risk condition A2, the determined enhanced verification policy can include a fingerprint verification; and if the payment factor information satisfies the payment risk condition A3, the determined enhanced verification policy can include a payment password verification and a face verification.

[0049] In some embodiments, the user terminal is provided with a secure access module, and specific contents of the secure access module can be referred to the related description in the above embodiments, which will not be described here. The payment receiving terminal can communicate and interact with the secure access module in the user terminal, and the remote server can communicate and interact with the secure access module in the user terminal. Before the user terminal performs enhanced verification according to the enhanced verification information, the user terminal can activate the payment application through the secure access module and the internal interface of the payment application, and display the enhanced verification interface through the payment application. The secure access module can send information to the payment application by using an internal interface through an Intent, a broadcast, or a Binder call, and the like, to activate the payment application, so that the payment application pops up an enhanced verification interface corresponding to the enhanced verification policy, and the enhanced verification interface can guide the user to perform enhanced verification.

[0050] After the enhanced verification according to the enhanced verification information, if the enhanced verification is successful, the user terminal can send enhanced verification success information and a payment card Token to the secure access module through the payment application. The enhanced verification is performed by the payment application or the background system of the payment application. The enhanced verification success information can represent the enhanced verification success information, and the payment card Token is the payment card Token of the payment card used in this payment. The payment card Token can identify the payment card. The user terminal records the enhanced verification success information and the payment card Token, so that it can be used in the subsequent payment process.

[0051] In some embodiments, after the payment receiving terminal enters the payment pause state, the user terminal can again approach the payment receiving terminal to activate the payment receiving terminal through the interaction between the user terminal and the payment receiving terminal. Specifically, the user terminal approaches the payment receiving terminal and receives a selection application identifier instruction sent by the payment receiving terminal through non-contact communication. The user terminal sends an application identifier feedback message to the payment receiving terminal. The user terminal receives a second acquisition processing option instruction sent by the payment receiving terminal. The user terminal approaches the payment receiving terminal again until the user terminal and the payment receiving terminal can sense each other. The payment receiving terminal sends a selection application identifier instruction to the user terminal through non-contact communication. The selection application identifier instruction is the Select AID instruction in the above embodiments. In response to the selection application identifier instruction, the user terminal sends an application identifier feedback message to the payment receiving terminal. The application identifier feedback message can include an AID list. The payment receiving terminal sends a second acquisition processing option instruction to the user terminal in response to the application identifier feedback message. The second acquisition processing option instruction can be the GPO instruction in the above embodiments. The second acquisition processing option instruction can include a POLD. The user terminal can detect the payment card Token received together with the enhanced verification success information, indicating that the payment is in progress, and the enhanced verification of the payment is successful, and the payment process of the payment can continue.

[0052] The user terminal can perform legality verification on the second obtaining processing option instruction, and the legality verification can include but is not limited to source verification of a processing request, anti-replay attack verification, and the like. The user terminal obtains data corresponding to the PDOL from a context of the second obtaining processing option instruction and a related database according to the PDOL in the second obtaining processing option instruction. For example, the PDOL includes codes 9F02 and 5F2A, 9F02 represents a payment amount, and 5F2A represents a currency type. The specific value of the payment amount and the specific value of the currency type can be obtained as data corresponding to the PDOL according to the codes. The secure access module in the user terminal can store an encryption key corresponding to the payment card. The encryption key can be a device unique key in a payment standard, which is not limited herein. The data corresponding to the PDOL can be encrypted by using the encryption key to obtain application cryptogram (AC). The application cryptogram can include but is not limited to an authorization request qualifying cryptogram (ARQC) and a transaction certificate cryptogram (TC). The data corresponding to the PDOL and the application cryptogram and the like can be assembled into an obtaining processing option response message according to a specification of the obtaining processing option response message.

[0053] The application further provides a non-contact payment method. The non-contact payment method can be applied to a payment receiving terminal, that is, the non-contact payment method can be executed by the payment receiving terminal. Figure 3 As shown in FIG. 6, the non-contact payment method provided by an embodiment of the application can include steps S301 to S305. Figure 3 As shown in FIG. 6, the non-contact payment method provided by an embodiment of the application can include steps S301 to S305.

[0054] In step S301, a first obtaining processing option instruction is sent to a user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is needed according to the first obtaining processing option instruction.

[0055] In step S302, a suspend message sent by the user terminal is received in a case where an enhanced verification strategy represents that enhanced verification is needed.

[0056] In step S303, a payment suspension state is entered in response to the suspend message.

[0057] In a case where the payment receiving terminal is in the payment suspension state, enhanced verification is performed by the user terminal according to enhanced verification information input by the user to an enhanced verification interface.

[0058] In step S304, in the case that the enhanced verification succeeds, the user terminal is connected through the non-contact communication, and an obtaining processing option response message sent by the user terminal is received.

[0059] In step S305, payment is performed according to the obtaining processing option response message.

[0060] The specific content of steps S301 to S305 can be referred to the related description in the above embodiment, which will not be repeated here.

[0061] In some embodiments, the enhanced verification interface is generated based on an enhanced verification strategy determined by the remote server based on an obtaining processing option request generated by the user terminal and sent to the remote server in response to the first obtaining processing option instruction.

[0062] In some embodiments, the user terminal is provided with a secure access module. The enhanced verification interface is displayed through a payment application, and the payment application is activated through the secure access module and an internal interface of the payment application. If the enhanced verification succeeds, enhanced verification success information and a payment card Token are received from the payment application through the secure access module.

[0063] In some embodiments, the suspension message includes a suspension state word. The payment terminal can respond to the suspension message, keep the payment interface, and wait for a retry.

[0064] In some embodiments, if the payment amount is greater than a preset secure payment amount, it is determined that enhanced verification is needed, and the payment amount is obtained according to the first obtaining processing option instruction.

[0065] Generally, the user terminal needs to be unlocked to interact with the payment terminal through non-contact communication. In some embodiments, the user terminal is set to receive the first obtaining processing option instruction in a screen-off state. That is, in the case that the user terminal is in a screen-off state, the payment terminal sends the first obtaining processing option instruction to the user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is needed according to the first obtaining processing option instruction. If the payment amount is less than or equal to the preset secure payment amount, that is, in the case that enhanced verification is not needed, the user terminal and the payment terminal interact through non-contact communication to directly perform payment, and the payment amount is obtained according to the first obtaining processing option instruction.

[0066] In some embodiments, the payment terminal can sense a close user terminal, send a selection application identifier instruction to the user terminal through non-contact communication, receive an identifier feedback message sent by the user terminal, and send a second obtaining processing option instruction to the user terminal.

[0067] In some embodiments, the enhanced verification policy is determined by the remote server according to payment factor information, the payment factor information is obtained based on the obtaining of the processing option request, and the payment factor information includes one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information. The enhanced verification policy further includes an enhanced verification type.

[0068] The specific content of the non-contact payment method applied to the payment receiving terminal in the embodiments of the present application can be referred to the related description in the above embodiments, which will not be repeated here.

[0069] For ease of understanding, the flow of the non-contact payment method is described below with an example, and the user terminal includes an HCE module and a payment application. Figure 4 An example of the non-contact payment flow provided by the embodiments of the present application is shown in the schematic diagram as Figure 4 The non-contact payment flow can include steps a1 to a17.

[0070] In step a1, the payment receiving terminal sends a Select AID instruction to the HCE module. The Select AID instruction can be the selection application identifier instruction in the above embodiments.

[0071] In step a2, the HCE module feeds back an AID list to the payment receiving terminal. The identifier feedback message in the above embodiments includes the AID list.

[0072] In step a3, the payment receiving terminal sends a GPO instruction to the HCE module. The GPO instruction here is the first obtaining processing option instruction in the above embodiments.

[0073] In step a4, the HCE module parses the PDOL in the GPO instruction. The HCE module can obtain information such as payment amount and payment currency according to the PDOL.

[0074] In step a5, the HCE module sends the information such as payment amount and payment currency to the payment application.

[0075] In step a6, the payment application determines whether enhanced verification is needed according to the information such as payment amount and payment currency.

[0076] In step a7, if enhanced verification is needed, the payment application sends an enhanced verification notification to the HCE module. The enhanced verification notification can be used to notify the HCE module that enhanced verification is needed.

[0077] In step a8, the HCE module sends a pause message to the payment receiving terminal. The pause message includes a pause state word SW1 / SW2 of 6986.

[0078] In step a9, the payment application sends a get processing option request to the remote server. The get processing option request can include payment context information such as PDOL.

[0079] In step a10, the remote server determines an enhanced verification policy according to the get processing option request, and sends an enhanced verification instruction to the payment application. The enhanced verification instruction includes the enhanced verification policy.

[0080] In step a11, the payment application displays an enhanced verification interface.

[0081] In step a12, if the enhanced verification is successful, the payment application feeds back enhanced verification success information to the HCE module and the remote server.

[0082] In step a13, the user terminal is close to the payment terminal again, and the payment terminal sends a Select AID instruction to the HCE module. The Select AID can be the select application identifier instruction in the above embodiment.

[0083] In step a14, the HCE module feeds back an AID list to the payment terminal. The identifier feedback message in the above embodiment includes the AID list.

[0084] In step a15, the payment terminal sends a GPO instruction to the HCE module. The GPO instruction here is the second get processing option instruction in the above embodiment.

[0085] In step a16, the HCE module sends a GPO response message to the payment terminal. The GPO response message can include a payment card Token for payment.

[0086] In step a17, the payment terminal completes payment according to the GPO response message. The payment terminal can verify the AC in the GPO response message, and if the AC verification is passed, execute the subsequent payment process.

[0087] The specific content of the above steps a1 to a17 can refer to the related description in the above embodiment, which will not be repeated here.

[0088] The application also provides a non-contact payment device applied to a user terminal. The non-contact payment device can be a device arranged in the user terminal, or can be directly implemented as the user terminal, which is not limited here. Figure 5 For an embodiment of the application, a structure diagram of the non-contact payment device applied to the user terminal is shown in Figure 5 As shown in the figure, the non-contact payment device 500 can include an enhanced verification determination module 501, a non-contact communication module 502, and an enhanced verification module 503.

[0089] The enhanced verification determination module 501 can be configured to determine whether enhanced verification is required according to the first obtaining processing option instruction received from the payment terminal through the non-contact communication.

[0090] The non-contact communication module 502 can be configured to send a suspension message to the payment terminal to suspend the payment terminal into a payment suspension state in the case that the enhanced verification is required.

[0091] The enhanced verification module 503 can be configured to perform enhanced verification according to the enhanced verification information input by the user to the enhanced verification interface.

[0092] The non-contact communication module 502 can also be configured to connect the payment terminal through the non-contact communication in the case that the enhanced verification is successful, and send an obtaining processing option response message to the payment terminal, the obtaining processing option response message being used to instruct the payment terminal to perform payment.

[0093] In some embodiments, the non-contact payment device 500 can further include a generation module and a remote communication module.

[0094] The generation module can be configured to generate an obtaining processing option request and send it to a remote server in response to the first obtaining processing option instruction, so that the remote server determines an enhanced verification strategy based on the obtaining processing option request.

[0095] The remote communication module can be configured to receive the enhanced verification strategy fed back by the remote server, the enhanced verification strategy being used to generate the enhanced verification interface.

[0096] In some embodiments, the user terminal or the non-contact payment device 500 is provided with a secure access module. The non-contact payment device 500 can further include an activation module, a display module and an internal transmission module. The activation module can be configured to activate a payment application through the internal interface of the payment application by the secure access module. The display module can be configured to display the enhanced verification interface by the payment application. The internal transmission module can also be configured to send enhanced verification success information and a payment card Token to the secure access module through the payment application in the case that the enhanced verification is successful.

[0097] In some embodiments, the suspension message includes a suspension state word, and the payment suspension state includes keeping a payment interface and waiting for retry.

[0098] In some embodiments, the non-contact communication module 502 can be configured to receive the first obtaining processing option instruction in the case that the user terminal is in a screen-off state.

[0099] In some embodiments, the enhanced verification determination module 501 can be configured to: obtain a payment amount according to the first obtaining processing option instruction; and determine that enhanced verification is required in the case that the payment amount is greater than a preset secure payment amount.

[0100] In some embodiments, the enhanced verification determination module 501 can be configured to obtain the payment amount according to the first obtaining processing option instruction. The non-contact communication module 502 can be configured to, in the case that the user terminal is in a screen-off state, if the payment amount is less than or equal to a preset safe payment amount, interact with the payment terminal through non-contact communication to directly perform payment.

[0101] In some embodiments, the non-contact communication module 502 can be configured to, in the case that the user terminal is in a screen-off state, if the payment amount is less than or equal to a preset safe payment amount, interact with the payment terminal through non-contact communication to directly perform payment.

[0102] In some embodiments, the enhanced verification strategy is determined by a remote server according to payment factor information, the payment factor information is obtained based on the obtaining processing option request, and the payment factor information includes one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information. The enhanced verification strategy further includes an enhanced verification type.

[0103] It should be noted that the non-contact payment device 500 is a device corresponding to the above-mentioned method of non-contact payment applied to the user terminal. All implementation manners in the above-mentioned method embodiments are applicable to the embodiments of the device, and the same technical effects can be achieved.

[0104] The application also provides a non-contact payment device applied to a payment terminal. The non-contact payment device can be a device arranged in the payment terminal, or can be directly implemented as the payment terminal, which is not limited herein. Figure 6 As shown in FIG. 6, the non-contact payment device 600 applied to the payment terminal can include a sending module 601, a receiving module 602, a control module 603, and a payment execution module 604. Figure 6

[0105] The sending module 601 can be configured to send a first obtaining processing option instruction to the user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is needed according to the first obtaining processing option instruction.

[0106] The receiving module 602 can be configured to, in the case that enhanced verification is needed, receive a suspension message sent by the user terminal.

[0107] The control module 603 can be configured to, in response to the suspension message, enter a payment suspension state, and in the case that the payment terminal is in the payment suspension state, the user terminal performs enhanced verification according to enhanced verification information input by the user to the enhanced verification interface.

[0108] ​The receiving module 602 can also be configured to connect the user terminal through the non-contact communication and receive the obtaining processing option response message sent by the user terminal in the case that the enhanced verification is successful.

[0109] The payment execution module 604 is configured to execute the payment according to the obtaining processing option response message.

[0110] In some embodiments, the enhanced verification interface is generated based on an enhanced verification strategy, and the enhanced verification strategy is determined by the remote server based on the obtaining processing option request, which is generated by the user terminal in response to the first obtaining processing option instruction and sent to the remote server.

[0111] In some embodiments, the user terminal is provided with a secure access module; the enhanced verification interface is displayed through the payment application, and the payment application is activated through the secure access module and the internal interface of the payment application; and if the enhanced verification is successful, the enhanced verification success information and the payment card Token are received from the payment application through the secure access module.

[0112] In some embodiments, the suspension message includes a suspension state word. The control module 603 can be configured to keep the payment interface and wait for a retry in response to the suspension message.

[0113] In some embodiments, the user terminal is configured to receive the first obtaining processing option instruction in the screen-off state.

[0114] In some embodiments, if the payment amount is greater than a preset secure payment amount, it is determined that the enhanced verification is needed, and the payment amount is obtained according to the first obtaining processing option instruction.

[0115] In some embodiments, in the case that the user terminal is in the screen-off state, if the payment amount is less than or equal to the preset secure payment amount, the user terminal and the payment terminal are interacted through the non-contact communication to directly execute the payment, and the payment amount is obtained according to the first obtaining processing option instruction.

[0116] In some embodiments, the sending module 601 can be configured to sense the user terminal close by, send a selection application identifier instruction to the user terminal through the non-contact communication. The receiving module 602 can be configured to receive an identifier feedback message sent by the user terminal. The sending module 601 can be configured to send a second obtaining processing option instruction to the user terminal.

[0117] In some embodiments, the enhanced verification strategy is determined by the remote server according to payment factor information, and the payment factor information is obtained based on the obtaining processing option request. The payment factor information includes one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information. The enhanced verification strategy also includes an enhanced verification type.

[0118] It should be noted that the non-contact payment device 600 is a device corresponding to the method of non-contact payment applied to the payment receiving terminal, and all the implementation manners in the method embodiment are applicable to the embodiment of the device, and the same technical effects can be achieved.

[0119] The application further provides a user terminal. Figure 7 A structure diagram of the user terminal provided by an embodiment of the application is shown in Figure 7 The user terminal 700 includes a memory 701, a processor 702, and a computer program stored in the memory 701 and executable on the processor 702.

[0120] In some examples, the processor 702 can include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement one or more embodiments of the application.

[0121] The memory 701 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. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (for example, memory devices) encoded with software including computer-executable instructions and, when the software is executed (for example, by one or more processors), is operable to perform the operations described with reference to the method of non-contact payment applied to the user terminal according to embodiments of the application.

[0122] The processor 702 runs the computer program corresponding to the executable program code stored in the memory 701 by reading the executable program code, to implement the method of non-contact payment applied to the user terminal in the above embodiments.

[0123] In some examples, the user terminal 700 can further include a communication interface 703 and a bus 704. As shown in Figure 7 The memory 701, the processor 702, and the communication interface 703 are connected through the bus 704 and complete communication with each other.

[0124] The communication interface 703 is mainly used to realize the communication between the modules, devices, units, and / or equipment in the embodiments of the application. The input device and / or the output device can also be accessed through the communication interface 703.

[0125] Bus 704 includes a hardware, software, or both that couples components of user terminal 700 to each other. As an example and not by way of limitation, bus 704 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 Association Local Bus (VLB) bus, or another suitable bus or a combination of two or more of these. Where appropriate, bus 704 can include one or more buses. Although this application describes and shows a particular bus, this application contemplates any suitable bus or interconnect.

[0126] The application also provides a payment accepting terminal, which can include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0127] The memory includes one or more tangible (non-transitory) computer-readable storage media encoded with software comprising computer-executable instructions and when the software is executed (by one or more processors), it is operable to perform operations described with reference to the non-contact payment method applied to the payment accepting terminal according to the application.

[0128] The processor runs a computer program corresponding to the executable program code stored in the memory by reading the executable program code, for implementing the non-contact payment method applied to the payment accepting terminal in the above-described embodiments.

[0129] In some examples, the payment receiving terminal can further include a communication interface and a bus, the memory, the processor, and the communication interface are connected through the bus and complete communication with each other.

[0130] The connection among the memory, the processor, the communication interface, and the bus in the payment receiving terminal and the specific implementation can refer to the related description in the above-mentioned embodiments of the user terminal, which will not be repeated here.

[0131] The present application also provides a computer readable storage medium, which stores computer program instructions, the computer program instructions are executed by a processor to implement the non-contact payment method in the above-mentioned embodiments, and the same technical effects can be achieved. To avoid repetition, it will not be repeated here. The above-mentioned 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.

[0132] The present application also provides a computer program product, which includes a computer program, the computer program is executed by a processor to implement the non-contact payment method in the above-mentioned embodiments, and the same technical effects can be achieved. To avoid repetition, it will not be repeated here.

[0133] 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 device embodiment, the user terminal embodiment, the payment receiving terminal embodiment, the system embodiment, the computer readable storage medium embodiment, the computer program product embodiment, the relevant part can refer to the description of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the drawings. 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.

[0134] 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

[0135] 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, specification and 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. does not imply any order; the terms "including", "containing", "comprising" and "having" are used for specifying the presence of something, not to exclude other parts; the term "another" means at least one, and the term "another" used in the claims does not exclude the use of two or more items; 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 part or software module; the mere fact that different features are recited in mutually different dependent claims does not indicate that a combination of these features cannot be used to an advantage.

Claims

1. A non-contact payment method, characterized by, The method applied to a user terminal comprises: determining whether enhanced verification is required according to a first acquisition processing option instruction received from a payment receiving terminal through non-contact communication; in the case of requiring enhanced verification, sending a suspension message to the payment receiving terminal, the suspension message indicating that the payment receiving terminal enters a payment suspension state; performing enhanced verification according to enhanced verification information input by a user for an enhanced verification interface; in the case of successful enhanced verification, connecting the payment receiving terminal through non-contact communication and sending an acquisition processing option response message to the payment receiving terminal, the acquisition processing option response message being used to instruct the payment receiving terminal to perform payment.

2. The method of claim 1, wherein, Further comprising: in response to the first acquisition processing option instruction, generating an acquisition processing option request and sending it to a remote server, so that the remote server determines an enhanced verification strategy based on the acquisition processing option request; receiving the enhanced verification strategy fed back by the remote server, the enhanced verification strategy being used to generate the enhanced verification interface.

3. The method of claim 1, wherein, The user terminal is provided with a secure access module; before the enhanced verification according to the enhanced verification information input by the user for the verification interface, further comprising: activating the payment application through the secure access module and the internal interface of the payment application, and displaying the enhanced verification interface through the payment application; after the enhanced verification according to the enhanced verification information input by the user for the verification interface, further comprising: if the enhanced verification is successful, sending enhanced verification success information and a payment card token to the secure access module through the payment application.

4. The method of claim 1, wherein: the suspension message comprises a suspension state word, and the payment suspension state comprises keeping a payment interface and waiting for retry.

5. The method of claim 1, wherein, The user terminal is set to receive the first acquisition processing option instruction in a screen-off state.

6. The method of claim 1, wherein, The determination of whether enhanced verification is required according to the first acquisition processing option instruction received from the payment receiving terminal through non-contact communication comprises: obtaining a payment amount according to the first acquisition processing option instruction; if the payment amount is greater than a preset safe payment amount, determining that enhanced verification is required.

7. The method of claim 1, wherein, Further comprising: obtaining a payment amount according to the first acquisition processing option instruction; if the payment amount is less than or equal to a preset safe payment amount in the screen-off state of the user terminal, interacting with the payment receiving terminal through non-contact communication to directly perform payment.

8. The method of claim 3, wherein, The activation of the payment receiving terminal through non-contact communication comprises: approaching the payment receiving terminal, receiving a selection application identifier instruction sent by the payment receiving terminal through non-contact communication being triggered; sending an application identifier feedback message to the payment receiving terminal; receiving a second acquisition processing option instruction sent by the payment receiving terminal.

9. The method of claim 2, wherein, The enhanced verification strategy is determined by the remote server according to payment factor information, the payment factor information being obtained based on the acquisition processing option request, and the payment factor information comprising one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information. The enhanced verification policy includes an enhanced verification type.

10. A non-contact payment method, characterized by, The method is applied to a payment receiving terminal, and the method comprises: sending a first obtaining processing option instruction to the user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is required according to the first obtaining processing option instruction; in the case where enhanced verification is required, receiving a suspension message sent by the user terminal; in response to the suspension message, entering a payment suspension state, in the case where the payment receiving terminal is in the payment suspension state, the user terminal performs enhanced verification according to enhanced verification information input by a user for an enhanced verification interface; in the case where enhanced verification is successful, connecting the user terminal through non-contact communication, and receiving an obtaining processing option response message sent by the user terminal; performing payment according to the obtaining processing option response message.

11. The method of claim 10, wherein, The enhanced verification interface is generated based on an enhanced verification policy, the enhanced verification policy is determined by a remote server based on an obtaining processing option request, and the obtaining processing option request is generated by the user terminal in response to the first obtaining processing option instruction and sent to the remote server.

12. The method of claim 10, wherein, The user terminal is provided with a secure access module; The enhanced verification interface is displayed through a payment application, and the payment application is activated through the secure access module and an internal interface of the payment application. If enhanced verification is successful, enhanced verification success information and a payment card Token are received from the payment application through the secure access module.

13. The method of claim 10, wherein, The suspension message includes a suspension state word. In response to the suspension message, entering a payment suspension state, comprises: in response to the suspension message, keeping a payment interface and waiting for retry.

14. The method of claim 10, wherein, The user terminal is set to receive the first obtaining processing option instruction in an off-screen state.

15. The method of claim 10, wherein, if the payment amount is greater than a preset secure payment amount, it is determined that enhanced verification is required, and the payment amount is obtained according to the first obtaining processing option instruction.

16. The method of claim 10, wherein, if the payment amount is less than or equal to a preset secure payment amount in the case where the user terminal is off-screen, the user terminal and the payment receiving terminal interact through non-contact communication to directly perform payment, and the payment amount is obtained according to the first obtaining processing option instruction.

17. The method of claim 12, wherein, The non-contact communication is activated by the user terminal in the case where enhanced verification is successful, comprising: sensing the user terminal close by, sending a selection application identifier instruction to the user terminal through non-contact communication; receiving an identifier feedback message sent by the user terminal; sending a second obtaining processing option instruction to the user terminal.

18. The method of claim 11, wherein, The enhanced verification policy is determined by the remote server according to payment factor information, the payment factor information is obtained based on the obtaining processing option request, and the payment factor information includes one or more of payment information, user behavior information, payment card information, merchant information, and geographic location information; The enhanced verification policy includes an enhanced verification type.

19. A non-contact payment device, comprising: The device is applied to a user terminal, and the device comprises: The enhanced verification determination module is configured to determine whether enhanced verification is required according to the first obtaining processing option instruction received from the payment terminal through the non-contact communication; The non-contact communication module is configured to send a pause message to the payment terminal in the case that enhanced verification is required, the pause message instructing the payment terminal to enter a payment pause state; The enhanced verification module is configured to perform enhanced verification according to enhanced verification information input by a user on an enhanced verification interface; The non-contact communication module is further configured to connect the payment terminal through non-contact communication in the case that enhanced verification is successful, and send an obtaining processing option response message to the payment terminal, the obtaining processing option response message being used to instruct the payment terminal to perform payment.

20. A non-contact payment device, comprising: The device is applied to a payment terminal, and the device comprises: The sending module is configured to send a first obtaining processing option instruction to a user terminal through non-contact communication, so that the user terminal determines whether enhanced verification is required according to the first obtaining processing option instruction; The receiving module is configured to receive a pause message sent by the user terminal in the case that enhanced verification is required; The control module is configured to enter a payment pause state in response to the pause message, and perform enhanced verification according to enhanced verification information input by a user on an enhanced verification interface in the case that the payment terminal is in the payment pause state; The receiving module is further configured to connect the user terminal through non-contact communication in the case that enhanced verification is successful, and receive an obtaining processing option response message sent by the user terminal; The payment execution module is configured to perform payment according to the obtaining processing option response message.

21. A user terminal, characterized by The device comprises: a processor and a memory storing computer program instructions; The processor implements the non-contact payment method according to any one of claims 1 to 9 when executing the computer program instructions.

22. A payment accepting terminal characterized by comprising: The device comprises: a processor and a memory storing computer program instructions; The processor implements the non-contact payment method according to any one of claims 10 to 18 when executing the computer program instructions.

23. A non-contact payment system, comprising: The device comprises: the user terminal according to claim 21; and the payment terminal according to claim 22.

24. The system of claim 23, wherein, The device further comprises: a remote server configured to determine an enhanced verification strategy based on an obtaining processing option request received from the user terminal, the obtaining processing option request being generated by the user terminal in response to the first obtaining processing option instruction; and send the enhanced verification strategy to the user terminal, the enhanced verification strategy being used to generate the enhanced verification interface.

25. A computer readable storage medium, characterized in that, The computer program instructions are stored on the computer readable storage medium, and the computer program instructions are executed by the processor to implement the non-contact payment method according to any one of claims 1 to 18.

26. A computer program product, characterised in that, The computer program is executed by the processor to implement the non-contact payment method according to any one of claims 1 to 18.

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