Intelligent card selection method and system for NFC multi-card environment

Abstract

The invention discloses an intelligent card selection method and system for an NFC multi-card environment. The method comprises the steps of scene perception, intelligent decision making and card swiping execution. Wherein the scene perception process comprises the following steps: S1, business scene classification is built in a card swiping device and a terminal device of the NFC radio frequency device, and NFC business scenes are coded according to the classification; s2, receiving a radio frequency signal, and analyzing a service scene code in the radio frequency signal; the intelligent decision-making process comprises the following steps: S3, acquiring at least one scene decision-making factor for card selection decision-making from the radio frequency signal and / or local information of the terminal equipment; s4, selecting a default card according to a preset priority or a card selection strategy based on the acquired scene decision factor; and the process of executing the card swiping comprises the step of S5, performing communication interaction with the NFC card swiping equipment by using the default card. According to the invention, the NFC card can be intelligently and accurately selected for the user based on the multi-dimensional information.

Description

Technical Field

[0001] This invention relates to the field of near-field communication technology, and in particular to a method and system for intelligent and automated card selection in a terminal device that supports NFC function when multiple virtual cards are present. Background Technology

[0002] NFC technology has been widely used in mobile payments, public transportation, access control, and other scenarios. Users typically have multiple NFC cards (such as bank cards, bus cards, access cards, etc.) embedded in their mobile phones, watches, and other terminal devices. When a user brings their device close to an NFC card reader (RFID reader), if multiple applicable cards are stored in the device, the system will display a list requiring the user to manually select one. This manual card selection process disrupts the continuity of use and reduces convenience, especially in scenarios requiring rapid passage (such as bus turnstiles), resulting in a poor user experience.

[0003] In existing technologies, some solutions attempt to solve the problem by allowing users to pre-set a "default card." However, this approach is too rigid and cannot adapt to changing daily scenarios. For example, a user might use a public transport card to commute in the morning, a company access card in the morning, a credit card to pay for lunch at noon, and a residential community access card in the evening. A single default card setting cannot meet such dynamic needs. Other solutions rely entirely on users manually selecting the card each time, resulting in low automation.

[0004] Therefore, a smarter and more accurate card selection scheme is needed, which can automatically select the most suitable NFC card by integrating various contextual information, so as to truly achieve "seamless" and convenient card swiping and improve the user experience. Summary of the Invention

[0005] The purpose of this invention is to overcome the shortcomings of the prior art and provide an intelligent card selection method and system for NFC multi-card environments. Based on multi-dimensional information such as business scenarios, geographical location, time, and historical behavior, it can intelligently and accurately select NFC cards for users, realize a seamless and convenient card swiping experience, and improve the convenience and efficiency of operation.

[0006] To solve the above-mentioned technical problems, the present invention adopts the following technical solution:

[0007] On the one hand, this invention provides an intelligent card selection method for NFC multi-card environments, the core of which lies in constructing a multi-factor intelligent decision-making process, including: scene perception, intelligent decision-making, and execution of card swiping; wherein,

[0008] The process of scene perception includes:

[0009] S1 encodes business scenarios: Business scenario classification is built into the card reader and terminal device of the NFC radio frequency device, and NFC business scenarios are encoded according to the classification.

[0010] S2 receives trigger signal: When the terminal device approaches the NFC card reader, it receives the radio frequency signal from the NFC card reader and parses whether the radio frequency signal contains the service scenario code declared by the card reader.

[0011] The process of intelligent decision-making includes:

[0012] S3 Obtaining Scene Decision Factors: Obtaining at least one scene decision factor for card selection decision from the radio frequency signal and / or the local information of the terminal device;

[0013] The scenario decision factors include at least one of the following: the business scenario code broadcast by the NFC card reader or the GPS location, current time, and historical card swiping records of the terminal device;

[0014] S4 Smart Card Selection Decision: Based on the acquired scenario decision factors, the terminal device selects the card with the highest priority from the NFC virtual cards as the default card according to the preset priority or card selection strategy.

[0015] Card selection strategies, ranked from highest to lowest priority, include: preferred strategy and demotion strategy.

[0016] The preferred strategy is for the terminal device to select the NFC card corresponding to the business scenario code from multiple NFC virtual cards as the default card based on the business scenario code of the scenario decision factors.

[0017] The degradation strategy involves the terminal device selecting the NFC card corresponding to the business scenario code from multiple NFC virtual cards as the default card based on the terminal device's GPS positioning, current time, and historical card swipe records, according to the scenario decision factors.

[0018] The process of swiping a card includes:

[0019] S5 performs a card swipe operation: It uses the default card to communicate and interact with the NFC card swipe device.

[0020] Preferably, the degradation strategy is as follows: when the terminal device detects proximity to the NFC card reader, if the service scenario code is not parsed from the signal sent by the card reader, the terminal device selects the NFC card last used at that location based on GPS positioning.

[0021] Preferably, the degradation strategy is as follows: when the terminal device detects proximity to the NFC card reader, if the service scenario code is not parsed from the signal sent by the card reader, the terminal device selects the NFC card that was used within a preset time period before and after the current time based on the current time.

[0022] Preferably, the degradation strategy is as follows: when the terminal device detects proximity to the NFC card reader, if the service scenario code is not parsed from the signal sent by the card reader, the terminal device selects the last used NFC card based on the historical transaction records of the NFC card stored in the terminal device and the service association.

[0023] Preferably, the degradation strategy is as follows: when the terminal device detects proximity to the NFC card reader, if the service scenario code cannot be parsed from the signal sent by the card reader, the terminal device selects the NFC card with the highest usage frequency based on the historical transaction records of the NFC cards stored in the terminal device.

[0024] More preferably, the card swiping process also includes: S6 automatic retry: if card selection fails, within a preset time, when the terminal device detects that the same NFC card swiping device is approached again, it selects NFC cards in sequence according to the preset priority.

[0025] The method described in this invention can automatically select and prioritize NFC cards for testing without manual intervention. All decision-making logic is completed on the terminal device, requiring no real-time user interaction.

[0026] On the other hand, the present invention provides an intelligent card selection system for an NFC multi-card environment, including a card reader and a terminal device, wherein,

[0027] Card-swiping devices are used to generate business scenario codes, business information, and to send and receive radio frequency signals;

[0028] The terminal device includes: a factor acquisition module, a decision engine module, and a communication execution module. The terminal device connects to the card reader via radio frequency signals.

[0029] The factor acquisition module is used to acquire scene decision factors from radio frequency signals and local terminal devices. The scene decision factors include at least one of the following: the service scene code broadcast by the NFC card swiping device or the GPS location, current time, and historical card swiping records of the terminal device.

[0030] The decision engine module performs card selection decisions based on the scenario decision factors, and selects the highest priority card from the NFC cards for business transactions according to the preset priority or card selection strategy.

[0031] The communication execution module is used to activate the highest priority card and communicate with the NFC card reader.

[0032] Thirdly, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements any of the methods described above.

[0033] Beneficial effects

[0034] Compared with the prior art, the beneficial effects of the present invention are as follows:

[0035] High level of intelligence: Through a decision-making system that primarily uses business scenario coding and secondarily considers factors such as geographical location, time, and historical behavior, the accuracy of default card selection is significantly improved.

[0036] Smooth user experience: It greatly reduces the number of times users have to manually select cards, and realizes a seamless "swipe and use" operation, which is especially suitable for high-frequency and fast card swiping scenarios.

[0037] High compatibility and robustness: The solution is designed with a comprehensive degradation strategy, which can be well compatible with both new and old models of NFC card readers, ensuring that intelligent card selection function can be provided in various situations.

[0038] Privacy and security: All decisions are made locally on the device, without relying on cloud services, effectively protecting users' transaction records, geographical location and other sensitive information. Attached Figure Description

[0039] To better understand the above and other objects, features, advantages, and functions of the present invention, reference can be made to the embodiments shown in the accompanying drawings. The same reference numerals in the drawings refer to the same parts. Those skilled in the art should understand that the drawings are intended to schematically illustrate preferred embodiments of the invention and do not limit the scope of the invention in any way; the parts in the drawings are not drawn to scale.

[0040] Figure 1 This is a flowchart illustrating the steps of an intelligent card selection method in an NFC multi-card environment according to the present invention.

[0041] Figure 2 This is another step of the intelligent card selection method in an NFC multi-card environment according to the present invention.

[0042] Figure 3 This is another step of the intelligent card selection method in an NFC multi-card environment according to the present invention.

[0043] Figure 4 This is a schematic diagram of the structure of an intelligent card selection system for an NFC multi-card environment according to the present invention. Detailed Implementation

[0044] The exemplary embodiments of this disclosure are described below with reference to the accompanying drawings, including various details of the embodiments to aid understanding, and should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of this disclosure. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0045] The term "comprising" and its variations as used herein signify open inclusion, i.e., "including but not limited to". Unless otherwise stated, the term "or" means "and / or". The term "based on" means "at least partially based on". The terms "one example embodiment" and "one embodiment" mean "at least one example embodiment". The term "another embodiment" means "at least one additional embodiment". The terms "first", "second", etc., may refer to different or the same objects. Other explicit and implicit definitions may also be included below.

[0046] In order to at least partially solve one or more of the above-mentioned problems and other potential problems, embodiments of this disclosure propose a smart card selection method and system for an NFC multi-card environment.

[0047] The present invention will now be described in detail with reference to the accompanying drawings and embodiments.

[0048] Example 1

[0049] like Figure 1 As shown, a smart card selection method for an NFC multi-card environment is based on constructing a multi-factor smart decision-making process, including scene perception, smart decision-making, and card swiping execution; among which,

[0050] The process of scene perception includes:

[0051] S1 encodes business scenarios: Business scenario classification is built into the card reader and terminal device of the NFC radio frequency device, and NFC business scenarios are encoded according to the classification.

[0052] Taking a shopping mall's payment terminal (NFC card reader) as an example, it has been upgraded to send a business scenario code when swiping a card.

[0053] S2 receives trigger signal: When the terminal device approaches the NFC card reader, it receives the radio frequency signal from the NFC card reader and parses whether the radio frequency signal contains the service scenario code declared by the card reader.

[0054] When a user uses their mobile phone (which has multiple built-in NFC cards) to swipe near the payment terminal, the received radio frequency signal includes the business scenario code NFC001 mobile payment.

[0055] For example, NFC001 represents mobile payment, NFC002 represents public transportation payment, NFC003 represents combined electronic ticket, and NFC004 represents access control.

[0056] The mobile app assigns a corresponding NFC card to each business scenario code. When there are multiple NFC cards corresponding to a business scenario code, the priority of the bus card can be further set to be higher than that of another transit card.

[0057] The process of intelligent decision-making includes:

[0058] S3 acquires scenario decision factors: When the terminal device detects that it is close to the NFC card reader, it parses the business scenario code from the signal sent by the card reader;

[0059] The user's mobile phone (terminal device) has multiple NFC virtual cards built-in. When the user brings the mobile phone close to the payment terminal, the payment terminal parses the business scenario code NFC001 mobile payment contained in the radio frequency signal.

[0060] S4 Smart Card Selection Decision: Based on the business scenario code in the scenario decision factors, the terminal device uses a preferred strategy to select the NFC card corresponding to the business scenario code from multiple stored NFC cards.

[0061] Furthermore, if the business scenario code corresponds to multiple NFC cards, the NFC card to be used this time will be determined according to the preset priority or historical usage frequency.

[0062] In this example, after the mobile phone receives the service scenario code NFC001, it immediately filters the built-in cards: Card A (credit card, which supports payment) and Card B (public transport card) to match the NFC001 mobile payment card for this scenario.

[0063] The S5 performs a card swipe operation: the user selects card A on their phone to begin the payment process. No additional user input is required during this process.

[0064] Example 2

[0065] like Figure 2 As shown, an intelligent card selection method for an NFC multi-card environment includes scene perception, intelligent decision-making, and card swiping execution; wherein,

[0066] The process of scene perception includes:

[0067] S1 encodes business scenarios: Business scenario classification is built into the card reader and terminal device of the NFC radio frequency device, and NFC business scenarios are encoded according to the classification.

[0068] Taking a company's old version of the access control card reader (payment terminal) as an example, it does not support sending business scenario codes.

[0069] S2 receives trigger signal: When the terminal device approaches the NFC card reader, it receives the radio frequency signal from the NFC card reader and parses whether the radio frequency signal contains the service scenario code declared by the card reader.

[0070] When a user uses their mobile phone (which has multiple built-in NFC cards) to swipe near the payment terminal, the received radio frequency signal does not include the business scenario code.

[0071] In this example, when the user brings their mobile phone close to the payment terminal at 8:50 a.m., the communication signal between the payment terminal and the mobile phone does not carry the business scenario code.

[0072] The process of intelligent decision-making includes:

[0073] S3 obtains scenario decision factors: When the terminal device detects that it is close to the NFC card reader, the business scenario code is not parsed from the signal sent by the card reader;

[0074] The phone's GPS location and current time are obtained from the local information of the terminal device and used as decision-making factors for the scenario.

[0075] S4 Smart Card Selection Decision: Based on the mobile phone's GPS positioning and current time, the terminal device selects the NFC card corresponding to the business scenario code from multiple NFC virtual cards as the default card according to the degradation strategy;

[0076] Degradation strategies can use time pattern matching, geographic location matching, or a combination of these methods.

[0077] In this example, time pattern matching can select the NFC card that was last used within a preset time period before and after the current time based on the current time.

[0078] Geographic location matching can be achieved by a mobile phone using GPS positioning to select the last NFC card used at that location;

[0079] Alternatively, a combination of the two methods can be used. For example, the phone uses GPS to locate itself within the company's geofence (within a 100-meter radius). Checking historical records reveals that 90% of successful transactions at this location used the company's access card. Furthermore, the current time, 8:50 AM, is a weekday morning, which falls within the peak time period for historical access card swipes (8:30-9:00 AM). Therefore, the company's access card can be prioritized as the default card.

[0080] Example 3

[0081] like Figure 3 As shown, an intelligent card selection method for an NFC multi-card environment includes scene perception, intelligent decision-making, and card swiping execution; wherein,

[0082] The process of scene perception includes:

[0083] S1 encodes business scenarios: Business scenario classification is built into the card reader and terminal device of the NFC radio frequency device, and NFC business scenarios are encoded according to the classification.

[0084] Taking the subway as an example, the subway's card reader does not support sending business scenario codes.

[0085] S2 receives trigger signal: When the terminal device approaches the NFC card reader, it receives the radio frequency signal from the NFC card reader and parses whether the radio frequency signal contains the service scenario code declared by the card reader.

[0086] The mobile phone is brought close to the subway card reader, and the radio frequency signal of the subway card reader does not contain business scenario code.

[0087] The process of intelligent decision-making includes:

[0088] S3 obtains scenario decision factors: When the terminal device detects that it is close to the NFC card reader, the business scenario code is not parsed from the signal sent by the card reader;

[0089] Historical transaction records are obtained from the local information of the terminal device and used as decision-making factors for the scenario.

[0090] S4 Smart Card Selection Decision: The terminal device selects the last used NFC card based on the historical transaction records of the NFC card stored in the terminal device and by leveraging business relevance.

[0091] In this example, when a user swipes their phone to ride the subway, the phone does not detect the business scenario code when entering the station. Instead, it automatically selects the public transport card based on the geographical location (subway station), and the transaction is successfully completed and recorded.

[0092] Upon exiting the station, the user swiped their phone again, but the system still couldn't detect the scene code. Checking the most recent transaction record revealed an entry transaction on the same subway line 15 minutes prior. Based on historical transaction records, the system infers that a complete public transportation trip includes both entry and exit, demonstrating strong business correlation. It intelligently predicts the current scenario is exiting and automatically selects the same transit card for payment again, without requiring user selection.

[0093] In addition to examples, when the scenario decision factor does not include business scenario coding, the NFC card with the highest usage frequency can also be selected based on historical transaction records.

[0094] In any of the above embodiments, if the default card fails within a preset time, the terminal device will select an NFC card according to a preset priority when it detects that the card is near the same NFC card reader again.

[0095] The method described in this invention can automatically select and prioritize NFC cards for testing without manual intervention. All decision-making logic is completed on the terminal device, requiring no real-time user interaction.

[0096] Example 4

[0097] An intelligent card selection system for an NFC multi-card environment includes a card reader 1 and a terminal device 2, wherein...

[0098] Card reader 1 is used to generate business scenario codes, business information, and send and receive radio frequency signals;

[0099] The terminal device includes two components: a factor acquisition module 21, a decision engine module 22, and a communication execution module 23. The terminal device 2 is connected to the card reader 1 via radio frequency signals.

[0100] Factor acquisition module 21 is used to acquire scene decision factors from radio frequency signals and local terminal devices. The scene decision factors include at least one of the following: the service scene code broadcast by the NFC card reader or the GPS location, current time, and historical card swiping records of the terminal device.

[0101] The decision engine module 22 performs card selection decision based on the scenario decision factors, and selects the highest priority card from the NFC cards for business transactions according to the preset priority or card selection strategy.

[0102] The communication execution module 23 is used to activate the highest priority card and communicate with the NFC card reader.

[0103] Example 5

[0104] Based on the application processes of the foregoing embodiments, a specific embodiment is now added to illustrate the degradation strategy in detail. In this example, only the decision-making process is described in detail; for the information acquisition and flow process, please refer to the foregoing embodiments. The priority order of the various factors used in the degradation strategy includes, but is not limited to, this embodiment.

[0105] The user made a payment at a coffee shop at noon where the card reader had not been upgraded with scene coding.

[0106] After swiping the card with the mobile phone, the business scenario code could not be parsed, and a fallback strategy was immediately initiated:

[0107] 1. Location matching: The system checked the historical records and found no card swipe records within 500 meters of the current location (coffee shop), so the matching failed.

[0108] 2. Business Logic Reasoning: The system checks the most recent card swipe record and finds a successful payment made 30 minutes ago at a convenience store downstairs from the company using credit card A. Since payment transactions are typically not strictly continuous, this reasoning step may have low weight or be skipped.

[0109] 3. Time pattern matching: The current time (12:15) is lunch time, but in the history of lunch payments, sometimes credit card A and sometimes credit card B are used, and the pattern is not unique.

[0110] 4. Frequency safety net: The system checked all historical records and found that credit card A was used 50 times, far more often than credit card B (10 times). Therefore, credit card A was ultimately selected as the default card for payment.

[0111] If the payment fails (e.g., credit card A's limit is insufficient), the automatic retry mechanism is triggered, and the system will automatically try to initiate the payment again using credit card B, which has been used the second most times.

[0112] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

[0113] Compared with the prior art, the present invention has the following significant advantages:

[0114] 1. High level of intelligence and automation: The overall methodology and process of intelligent card selection decision-making based on multiple factors (scene coding, geographical location, time, historical records) greatly reduces the need for users to manually select cards through multi-factor fusion decision-making, and realizes the convenient experience of "what you want is what you use".

[0115] 2. High accuracy: The judgment rules and execution order of each sub-step in the downgrade strategy combine direct scenario encoding and indirect behavioral reasoning, which makes the accuracy of automatic card selection very high and can well understand the user's true intentions at different times and places.

[0116] 3. Strong robustness: It provides a multi-level degradation scheme, from precise strategies to fuzzy fallback, to ensure that the system can still make reasonable automatic choices in various complex or incomplete information scenarios.

[0117] 4. Privacy and security: All data relied upon for decision-making (such as geolocation and historical records) is stored locally on the user's device and does not need to be uploaded to the cloud, thus fully protecting user privacy.

[0118] 5. Excellent user experience: The automatic retry mechanism can seamlessly switch when the wrong card is selected, avoiding interruption of user operation and further improving the smoothness of the process.

[0119] This invention constructs a multi-layered, adaptive intelligent card selection decision model. The model uses business scenario encoding as the optimal solution and designs a progressive degradation strategy that includes geographic location matching, business logic reasoning, time pattern matching, and frequency fallback. Finally, an automatic retry mechanism ensures a smooth user experience.

Claims

1. A smart card selection method for an NFC multi-card environment, characterized in that, include: Scene awareness, intelligent decision-making, and card swiping execution; among them, The process of scene perception includes: S1 encodes business scenarios: Business scenario classification is built into the card reader and terminal device of the NFC radio frequency device, and NFC business scenarios are encoded according to the classification. S2 receives trigger signal: When the terminal device approaches the NFC card reader, it receives the radio frequency signal from the NFC card reader and parses whether the radio frequency signal contains the service scenario code declared by the card reader. The process of intelligent decision-making includes: S3 Obtaining Scene Decision Factors: Obtaining at least one scene decision factor for card selection decision from the radio frequency signal and / or the local information of the terminal device; The scenario decision factors include at least one of the following: the business scenario code broadcast by the NFC card reader or the GPS location, current time, and historical card swiping records of the terminal device; S4 Smart Card Selection Decision: Based on the acquired scenario decision factors, the terminal device selects the card with the highest priority from the NFC virtual cards as the default card according to the preset priority or card selection strategy. Card selection strategies, ranked from highest to lowest priority, include: preferred strategy and demotion strategy. The preferred strategy is for the terminal device to select the NFC card corresponding to the business scenario code from multiple NFC virtual cards as the default card based on the business scenario code of the scenario decision factors. The degradation strategy involves the terminal device selecting the NFC card corresponding to the business scenario code from multiple NFC virtual cards as the default card based on the terminal device's GPS positioning, current time, and historical card swipe records, according to the scenario decision factors. The process of swiping a card includes: S5 performs a card swipe operation: It uses the default card to communicate and interact with the NFC card swipe device.

2. The intelligent card selection method in an NFC multi-card environment as described in claim 1, characterized in that, The degradation strategy is as follows: when the terminal device detects proximity to the NFC card reader, if the service scenario code cannot be parsed from the signal sent by the card reader, the terminal device selects the NFC card that was last used at that location based on GPS positioning.

3. The intelligent card selection method in an NFC multi-card environment as described in claim 1, characterized in that, The degradation strategy is as follows: when the terminal device detects that it is close to the NFC card reader, if the service scenario code cannot be parsed from the signal sent by the card reader, the terminal device selects the NFC card that was used within a preset time period before and after the current time based on the current time.

4. The intelligent card selection method in an NFC multi-card environment as described in claim 1, characterized in that, The degradation strategy is as follows: when the terminal device detects that it is close to the NFC card reader, if the business scenario code cannot be parsed from the signal sent by the card reader, the terminal device selects the last used NFC card based on the historical transaction records of the NFC card stored in the terminal device and the business association.

5. The intelligent card selection method in an NFC multi-card environment as described in claim 1, characterized in that, The degradation strategy is as follows: when the terminal device detects that it is close to the NFC card reader, if the business scenario code cannot be parsed from the signal sent by the card reader, the terminal device selects the NFC card with the highest usage frequency based on the historical transaction records of the NFC cards stored in the terminal device.

6. The intelligent card selection method in an NFC multi-card environment as described in any one of claims 1 to 5, characterized in that, The card swiping process also includes: S6 automatic retry: If card selection fails, within a preset time, when the terminal device detects that the same NFC card swiping device is approached again, it will select NFC cards in sequence according to the preset priority.

7. A smart card selection system for an NFC multi-card environment, comprising a card reader and a terminal device, for executing the method as described in any one of claims 1-6, characterized in that, The card-swiping device is used to generate business scenario codes, business information, and to send and receive radio frequency signals; The terminal device includes: a factor acquisition module, a decision engine module, and a communication execution module. The terminal device is connected to the card reader via radio frequency signals. The factor acquisition module is used to acquire scene decision factors from radio frequency signals and local terminal devices. The scene decision factors include at least one of the following: the service scene code broadcast by the NFC card swiping device or the GPS location, current time, and historical card swiping records of the terminal device. The decision engine module performs card selection decisions based on the scenario decision factors, and selects the highest priority card from the NFC cards for business transactions according to the preset priority or card selection strategy. The communication execution module is used to activate the highest priority card and communicate with the NFC card reader.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method described in any one of claims 1-6 above.

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