Transaction control method, system and related device

Abstract

The invention discloses a transaction control method, a transaction control system and a related device, which are used for reducing transaction conflicts between a non-NFC transaction channel and an NFC transaction channel and optimizing user transaction experience. The method comprises the following steps: initializing a transaction channel of a POS terminal, wherein the transaction channel comprises an NFC transaction channel and a non-NFC transaction channel; detecting whether there is a transaction intention in the non-NFC transaction channel; and when it is determined that the transaction intention exists in the non-NFC transaction channel, executing a forbidding operation on the NFC transaction channel.

Description

A transaction control method, system and related apparatus Technical Field

[0001] This application relates to the field of financial payment technology, and in particular to a transaction control method, system and related apparatus. Background Technology

[0002] With the rapid development of mobile payment and financial transactions, POS terminals, as core offline payment devices, have evolved from a single card swiping function to the integration of multiple payment methods. Currently, POS terminals generally support NFC near-field payment, magnetic stripe card payment, and contact IC card payment, meeting the payment habits of different users.

[0003] However, during the technology integration process, due to the limitations of miniaturized and lightweight design of POS terminals, the physical distance between the NFC sensing area inside the POS terminal and the magnetic stripe card reader and IC card slot is constantly decreasing. Some terminals even concentrate the three types of payment interaction areas on the same operating surface. In existing technologies, all payment channels are opened simultaneously by default after the POS terminal is turned on, and users need to select a specific payment method through subsequent operations. However, the contactless nature of NFC payment allows it to automatically trigger a transaction when the card is close to the sensing area.

[0004] However, when a user intends to complete a payment by swiping or inserting a card and brings the card close to the POS terminal, the NFC module often misidentifies it as a card tapping operation, directly completing an NFC transaction that is not the user's intention, resulting in a decline in the user's transaction experience. Summary of the Invention

[0005] To address the aforementioned technical issues, this application provides a transaction control method, system, and related apparatus to reduce transaction conflicts between non-NFC transaction channels and NFC transaction channels, thereby optimizing the user transaction experience.

[0006] The technical solution provided in this application is described below: The first aspect of this application provides a transaction control method, which includes: initializing a transaction channel of a POS terminal, the transaction channel including an NFC transaction channel and a non-NFC transaction channel; detecting whether there is a transaction intention in the non-NFC transaction channel; and when it is determined that the transaction intention exists in the non-NFC transaction channel, performing a disabling operation on the NFC transaction channel.

[0007] Optionally, the non-NFC transaction channel is equipped with a detection module. The detection module is connected to the GPIO interrupt pin of the MCU of the POS terminal. The detection of whether there is a transaction intention in the non-NFC transaction channel includes: starting the detection task of the detection module, which is used to detect whether there is a card swiping action or a card insertion action; when there is a card swiping action or a card insertion action, causing the GPIO interrupt pin of the MCU to receive an interrupt signal, it is determined that there is a transaction intention in the non-NFC transaction channel.

[0008] Optionally, the detection module includes an infrared photodetector module, an ultrasonic detection module, a light-sensing detection module, or a pressure detection module.

[0009] Optionally, the step of disabling the NFC transaction channel includes: sending a disable command to the NFC controller via the MCU, the disable command being used to instruct the NFC radio frequency field to be turned off.

[0010] Optionally, when it is determined that the transaction intention exists in the non-NFC transaction channel, the method further includes: starting a preset de-jitter delay task; after the preset de-jitter delay task is completed, if the GPIO interrupt pin of the MCU continues to receive the interrupt signal, then the card swiping action or the card insertion action is confirmed as a valid action.

[0011] Optionally, when it is determined that the transaction intent exists in the non-NFC transaction channel, the method further includes: setting a transaction flag bit in the memory of the POS terminal, the transaction flag bit being used to indicate that the card swiping action or the card insertion action currently exists.

[0012] Optionally, after performing the operation to disable the NFC transaction channel, the method further includes: completing the transaction in the non-NFC transaction channel and removing the transaction card, then initiating a preset security delay task; and after the preset security delay task ends, lifting the disabling operation on the NFC transaction channel.

[0013] A second aspect of this application provides a transaction control system, comprising: an initialization unit for initializing a transaction channel of a POS terminal, the transaction channel including an NFC transaction channel and a non-NFC transaction channel; a detection unit for detecting whether a transaction intent exists in the non-NFC transaction channel; and an execution unit for disabling the NFC transaction channel when it is determined that the transaction intent exists in the non-NFC transaction channel.

[0014] Optionally, the non-NFC transaction channel in the detection unit is equipped with a detection module. The detection module is connected to the GPIO interrupt pin of the POS terminal's MCU and is specifically used to: start the detection task of the detection module, which is used to detect whether there is a card swiping or card insertion action; when there is a card swiping or card insertion action, causing the GPIO interrupt pin of the MCU to receive an interrupt signal, it is determined that there is a transaction intention in the non-NFC transaction channel.

[0015] Optionally, the detection module includes an infrared photodetector module, an ultrasonic detection module, a light-sensing detection module, or a pressure detection module.

[0016] Optionally, the execution unit is specifically used to: send a disable command to the NFC controller through the MCU, the disable command being used to instruct the NFC radio frequency field to be turned off.

[0017] Optionally, a confirmation unit is also included, specifically used for: starting a preset debouncing delay task; and after the preset debouncing delay task is completed, if the GPIO interrupt pin of the MCU continues to receive the interrupt signal, then confirming that the card swiping action or the card insertion action is a valid action.

[0018] Optionally, it also includes a flag unit, specifically used to: set a transaction flag bit in the memory of the POS terminal, the transaction flag bit being used to indicate that the card swiping action or the card insertion action currently exists.

[0019] Optionally, it also includes a release unit, specifically used for: after a transaction is completed in the non-NFC transaction channel and the transaction card is removed, starting a preset security delay task; and after the preset security delay task ends, releasing the disable operation on the NFC transaction channel.

[0020] A third aspect of this application provides a transaction control device, the transaction control device comprising: a processor, a memory, an input / output unit, and a bus; the processor being connected to the memory, the input / output unit, and the bus; the memory storing a program, the processor calling the program to execute the method of the first aspect and any one of the methods selected in the first aspect.

[0021] A fourth aspect of this application provides a computer-readable storage medium on which a program is stored, which, when executed on a computer, performs the methods of the first aspect and any one of the first aspects.

[0022] As can be seen from the above technical solution, this application has the following beneficial effects: By activating both the NFC and non-NFC transaction channels during the initialization phase, and simultaneously enabling both types of transaction channels, the compatibility of various transaction methods on the terminal is ensured, meeting the transaction habits of different users. Then, by capturing the transaction intent of the non-NFC transaction channel in real time, the user's true transaction intent is obtained. When a transaction intent is confirmed to exist in the non-NFC transaction channel, the NFC transaction channel is immediately disabled, reducing false triggering issues caused by the contactless nature of NFC transactions, reducing transaction disputes, and thus optimizing the user's transaction experience. Attached Figure Description

[0023] To more clearly illustrate the technical solutions in this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0024] Figure 1 is a flowchart illustrating an embodiment of the transaction control method provided in this application; Figure 2 is a flowchart illustrating an embodiment of the transaction control method provided in this application for detecting transaction intent; Figure 3 is a flowchart illustrating an embodiment of the transaction control method provided in this application for confirming a valid action; Figure 4 is a flowchart illustrating an embodiment of the transaction control method provided in this application for deactivating the NFC transaction channel; Figure 5 is a structural diagram illustrating an embodiment of the transaction control system provided in this application; Figure 6 is a structural diagram illustrating an embodiment of the transaction control device provided in this application. Detailed Implementation

[0025] This application provides a transaction control method, system, and related apparatus for reducing transaction conflicts between non-NFC transaction channels and NFC transaction channels, thereby optimizing the user transaction experience.

[0026] It should be noted that the transaction control method provided in this application can be applied to a terminal, a system, or a server. Specifically, the method can be widely applied to various electronic devices, including but not limited to POS terminals and wearable devices. For ease of explanation, this application uses a POS terminal system as the implementing entity for illustration.

[0027] Please refer to Figure 1. This application first provides an embodiment of a transaction control method, which includes: S101, initializing the transaction channel of the POS terminal. The transaction channel includes an NFC transaction channel and a non-NFC transaction channel. The NFC transaction channel refers to a functional module that realizes contactless payment based on near-field communication technology. It mainly consists of an NFC controller, a radio frequency antenna, and a supporting driver. Users do not need to make physical contact; they only need to bring the sensing area of ​​a terminal that supports NFC transactions, such as a mobile phone or NFC card, close to the sensing area of ​​the POS terminal to complete the transaction. That is, the transaction data interaction is completed through radio frequency signal transmission. The non-NFC transaction channel mainly refers to a payment module that relies on physical contact for card swiping or card insertion operations, such as a magnetic stripe card transaction channel (reading magnetic stripe information through a magnetic head in the card slot) and an IC card transaction channel (interacting with the chip card through metal contacts in the card slot). It is applied to physical card swiping or card insertion transaction scenarios. To improve the user payment experience, current POS terminals usually have both NFC and non-NFC transaction channels. When the POS terminal is started, the hardware modules (such as NFC radio frequency field, magnetic head detector, IC card reader / writer) and software drivers are in an inactive state and cannot respond to external transaction requests. The initialization process can complete the initial parameter configuration of the hardware and the loading of software drivers, thereby activating the NFC and non-NFC transaction channels and enabling them to respond quickly to user transaction requests.

[0028] S102. Detecting the presence of transaction intent in the non-NFC transaction channel: Due to the small and lightweight design of POS terminals, the NFC sensing area on the POS terminal is physically close to the card reader / slot for non-NFC transactions. When a user conducts a non-NFC transaction, both the NFC and non-NFC transaction channels are active. Due to the contactless nature of NFC transactions, the card is easily recognized by the NFC sensing area as it approaches the POS terminal, triggering an NFC transaction that is not the user's intended action, thus conflicting with the expected non-NFC transaction. Therefore, detecting the presence of transaction intent in the non-NFC transaction channel helps clarify the user's true transaction needs, thereby reducing transaction conflicts.

[0029] S103. When it is determined that there is a transaction intent in a non-NFC transaction channel, the NFC transaction channel is disabled.

[0030] Once the system confirms a user's intention to use a non-NFC transaction channel, it immediately activates the transaction channel control mechanism, forcibly shutting down the NFC radio frequency field and suspending the scanning and data interaction processing of radio frequency signals around the POS terminal's sensing area. By immediately disabling the NFC transaction channel, the system ensures that users can smoothly complete non-NFC transaction processes, avoiding transaction disputes caused by incompatible transaction methods. Furthermore, this disabling operation only applies to the NFC transaction channel and does not affect the normal data reading and transaction execution of the non-NFC transaction channel, maintaining a balance between NFC and non-NFC transactions.

[0031] In this embodiment, both the NFC and non-NFC transaction channels are activated during the initialization phase, ensuring compatibility with various transaction methods on the terminal and meeting the transaction habits of different users. Then, by capturing the transaction intent of the non-NFC transaction channel in real time, the user's true transaction intent is obtained. When a transaction intent is confirmed in the non-NFC transaction channel, the NFC transaction channel is immediately disabled, reducing false triggering issues caused by the contactless nature of NFC transactions, minimizing transaction disputes, and thus optimizing the user payment experience.

[0032] In step S102 above, the user's subjective intention is confirmed by detecting whether there is a transaction intention in the non-NFC transaction channel. Detection of the non-NFC transaction channel can be achieved through a detection module. Please refer to Figure 2, which is an embodiment of the transaction control method for detecting transaction intention provided in this application. This embodiment includes: S201, starting the detection task of the detection module. The detection task is used to detect whether there is a card swiping action or a card insertion action. After the POS terminal completes the transaction channel initialization, the system wakes up the detection module deployed in the non-NFC transaction channel (such as the magnetic stripe card swiping slot or IC card slot) through software instructions, so that the detection module starts a continuous detection task. The detection module can be an infrared photodetector module, an ultrasonic detection module, a light sensor module, or a pressure detection module. Hardware detection has a fast response speed and strong anti-interference ability, which can improve the reliability of detection. The detection module is connected to the GPIO interrupt pin of the POS terminal's MCU. When detecting, the detection module scans the environmental features in the channel according to a preset sampling frequency and transmits the collected raw signals to the MCU in real time through the GPIO interrupt pin, providing continuous hardware data support for subsequent judgment of whether there is a transaction intention.

[0033] S202. When a card swiping or card insertion action occurs, causing the MCU's GPIO interrupt pin to receive an interrupt signal, it is determined that there is a transaction intention in the non-NFC transaction channel.

[0034] When a user performs a swipe (magnetic stripe card swiping across the magnetic stripe card slot) or insert (IC card into the card slot) action in a non-NFC transaction channel, the card physically interacts with the detection module, generating an interrupt signal. Taking an infrared photodiode detection module as an example, an infrared photodiode is installed at each end of the magnetic stripe card slot in the non-NFC transaction channel. The infrared photodiode supports both forward and reverse swipe detection. Each infrared photodiode includes an infrared emitter and an infrared receiver. When the user swipes the card, the infrared beam from one of the infrared emitters is blocked, and the corresponding infrared receiver cannot receive the infrared beam, causing the output level to change from high to low. This physical signal of the high-to-low transition is the interrupt signal. When the infrared beams from both infrared emitters are blocked, it indicates that the card is fully inserted into the card slot and the transaction is in progress. After capturing the interrupt signal, the MCU immediately determines that the user has a clear intention to use the non-NFC transaction channel.

[0035] Once the presence of a non-NFC transaction channel is confirmed as an intention to use it, the NFC transaction channel must be disabled immediately. In some specific embodiments, the MCU sends a disable command to the NFC controller. This disable command instructs the NFC radio frequency field to be turned off. The details are as follows: After determining that the user has a clear intention to use the non-NFC transaction channel, the MCU immediately sends a disable command to the NFC controller. This disable command is typically a string of binary instruction codes in a specific format, containing an operation type identifier, channel control parameters, etc., to instruct the NFC controller to turn off the NFC radio frequency field. Upon receiving the command, the NFC controller triggers its internal radio frequency switching circuit, cutting off the power supply to the radio frequency transmitting module, causing the POS terminal's NFC sensing area to stop emitting near-field communication radio frequency signals. The entire disabling operation is completed within milliseconds, faster than the time it takes for the user to insert a card, reducing transaction conflicts caused by the card being close to the sensing area during card swiping or insertion operations.

[0036] In this embodiment, by deploying infrared photocells and ultrasonic sensors in non-NFC transaction channels, the system leverages its fast response and strong anti-interference capabilities to accurately capture signal changes caused by card swiping or insertion actions. An interrupt signal is then sent to the MCU to ensure the timeliness and accuracy of transaction intent recognition. Once the MCU determines a non-NFC transaction intent, it immediately sends a disable command to the NFC controller, quickly shutting down the NFC radio frequency field. This reduces transaction conflicts caused by the close physical distance between multiple transaction channels and the contactless nature of NFC, while simultaneously ensuring the normal operation of non-NFC transaction channels and improving the user transaction experience.

[0037] When a transaction intent is determined to exist in a non-NFC transaction channel, a short delay is required to reconfirm whether the card swiping or card insertion action is valid, reducing the triggering of unnecessary disable operations. Please refer to Figure 3, which is an embodiment of the transaction control method provided in this application for confirming a valid action. This embodiment includes: S301, starting a preset de-jittering delay task; a genuine card swiping or card insertion action has a certain operation time, while false signals are mostly triggered instantaneously. Therefore, the validity of the detected transaction intent can only be confirmed if the interrupt signal remains stable after the preset de-jittering delay task. The detection module may generate instantaneous interrupt signals due to external factors or its own factors, such as hardware jitter of the detection module itself, accidental light contact of the card reader with the card slot, or dust quickly passing through the detection area. Directly responding to such signals will lead to misjudgment and trigger unnecessary NFC channel disablement. The preset debouncing delay task is usually a short delay, such as 5 to 10 milliseconds. When the MCU receives an interrupt signal from a non-NFC transaction channel for the first time through the GPIO interrupt pin, it will immediately trigger the preset debouncing delay task. The preset debouncing delay task reserves a time window for the system to verify the stability of the interrupt signal.

[0038] S302. After the preset debouncing delay task is completed, if the MCU's GPIO interrupt pin continues to receive the interrupt signal, then the card swiping or card insertion action is confirmed as a valid action.

[0039] After the preset de-jitter delay task is completed, the system obtains the status of the MCU's GPIO interrupt pin to determine whether the card swiping or card insertion action is valid. If the MCU's GPIO interrupt pin continues to receive an interrupt signal, meaning the physical interaction between the detection module and the card is not interrupted, and if the card is still being swiped or the card insertion action has not been stopped, then the current card swiping or card insertion action is determined to be a genuine and valid transaction operation by the user. Only after determining that the card swiping or card insertion action is valid will the system execute the NFC transaction channel disabling operation. If the preset de-jitter delay task is completed and the MCU's GPIO interrupt pin does not receive an interrupt signal, it is considered a momentary interference and is deemed an invalid action.

[0040] In some specific embodiments, when a transaction intention is determined to exist in a non-NFC transaction channel, a transaction flag bit is also set in the memory of the POS terminal. The transaction flag bit is used to indicate that a card swiping or card insertion action is currently taking place. The following is a detailed explanation: When a transaction intention is determined to exist in a non-NFC transaction channel, that is, when the MCU receives an interrupt signal through the GPIO interrupt pin, the system will synchronously set a transaction flag bit in the memory of the POS terminal. The flag bit is usually a binary variable (such as "1" representing a valid state), which is used to uniformly transmit the status information of the current non-NFC transaction channel in progress to various related modules in the POS terminal (such as the transaction process control module), so as to avoid status conflicts caused by signal transmission delays or differences in logical judgments among multiple modules, and at the same time provide a traceability basis for transaction log recording and fault diagnosis.

[0041] In this embodiment, upon detecting a transaction intent outside the NFC transaction channel, a preset de-jittering delay task filters out transient interrupt signals caused by hardware jitter, accidental card touches, dust interference, etc. Only when the MCU's GPIO interrupt pin continues to receive signals after the preset de-jittering delay task has ended is the card swiping or card insertion action confirmed as a valid action, and the NFC channel is disabled. This reduces unnecessary NFC channel disabling caused by false signals and improves the accuracy of transaction intent judgment. Simultaneously, after confirming the transaction intent, a binary transaction flag is set in the POS terminal memory to uniformly transmit the transaction status of the non-NFC transaction channel to all associated modules, avoiding state conflicts between multiple modules and enhancing the system's operational stability.

[0042] After disabling the NFC transaction channel, it is necessary to restore the NFC transaction channel function promptly after the transaction on the non-NFC transaction channel is completed. Please refer to Figure 4, which shows an embodiment of the transaction control method provided in this application for resetting the NFC transaction channel. This embodiment includes: S401, after completing a transaction on the non-NFC transaction channel and removing the transaction card, initiating a preset security delay task; after completing the transaction on the non-NFC transaction channel, the detection module monitors the channel status in real time. When it detects that the card has left the channel, i.e., the MCU's GPIO interrupt pin no longer receives an interrupt signal, the system confirms that the card has been removed. Because the NFC transaction channel and the non-NFC transaction channel of the POS terminal are physically close, the card may briefly approach the NFC transaction channel during the removal process from the non-NFC transaction channel. If the NFC radio frequency field is restored immediately after the transaction is completed, it is very easy to accidentally trigger NFC transactions, causing transaction conflicts and affecting the user's transaction experience. Therefore, a preset security delay task is needed to buffer transactions. This task is a timing control feature that is automatically triggered after both the completion of a non-NFC transaction and the removal of the transaction card are met, typically lasting 1 to 2 seconds. During this delay, the NFC transaction channel remains disabled and does not respond to any NFC transaction requests, allowing sufficient time for the card to completely leave the terminal's sensing range. If the detection module detects a card insertion again during the preset security delay, the system will determine that the card has not been fully removed or moved away, meaning the previous transaction was not completed. A waiting prompt will then be generated, instructing the user to wait for the transaction to complete.

[0043] S402. After the preset security delay task ends, the NFC transaction channel is unblocked.

[0044] Once the security delay task is complete and the system determines that the card has been moved away, the MCU will send an enable command to the NFC controller. Upon receiving the command, the NFC controller will trigger its internal RF switch circuit to reconnect power, enabling the NFC sensing area to resume transmitting near-field communication RF signals, ensuring that users can subsequently use the NFC transaction function normally.

[0045] In this embodiment, a preset security delay task is used to buffer transactions, reducing the possibility of NFC transactions being accidentally triggered after a non-NFC transaction due to the card not being fully removed from the card slot or being far from the NFC sensing area, thus avoiding the risk of conflicts during the transaction completion stage. Furthermore, the NFC transaction channel is promptly restored after the preset security delay task ends, maintaining the continuity of POS terminal functionality, meeting diverse user transaction needs, and further optimizing the transaction experience.

[0046] Referring to Figure 5, this application also provides a transaction control system, including: an initialization unit 501 for initializing the transaction channels of a POS terminal, the transaction channels including NFC transaction channels and non-NFC transaction channels; a detection unit 502 for detecting whether there is a transaction intent in the non-NFC transaction channel; and an execution unit 503 for performing a disabling operation on the NFC transaction channel when it is determined that there is a transaction intent in the non-NFC transaction channel.

[0047] Optionally, the non-NFC transaction channel in the detection unit 502 is equipped with a detection module. The detection module is connected to the GPIO interrupt pin of the POS terminal's MCU and is specifically used to: start the detection task of the detection module, which is used to detect whether there is a card swiping action or a card insertion action; when there is a card swiping action or a card insertion action, and the GPIO interrupt pin of the MCU receives an interrupt signal, it is determined that there is a transaction intention in the non-NFC transaction channel.

[0048] Optionally, the detection module may include an infrared photocell detection module, an ultrasonic detection module, a light-sensing detection module, or a pressure detection module.

[0049] Optionally, the execution unit 503 is specifically used to: send a disable command to the NFC controller via the MCU, the disable command being used to instruct the NFC radio frequency field to be turned off.

[0050] Optionally, it also includes a confirmation unit 504, which is specifically used to: start a preset debouncing delay task; after the preset debouncing delay task is completed, if the MCU's GPIO interrupt pin continues to receive an interrupt signal, then the card swiping action or card insertion action is confirmed as a valid action.

[0051] Optionally, it also includes a flag unit 505, which is specifically used to: set a transaction flag bit in the memory of the POS terminal. The transaction flag bit is used to indicate that there is currently a card swiping action or a card insertion action.

[0052] Optionally, it also includes a release unit 506, which is specifically used to: initiate a preset security delay task after a transaction is completed in a non-NFC transaction channel and the transaction card is removed; and release the disable operation on the NFC transaction channel after the preset security delay task ends.

[0053] For specific implementation methods, please refer to the embodiments shown in Figures 1 to 4, which will not be repeated here.

[0054] Referring to Figure 6, this application also provides a transaction control device, including: a processor 601, a memory 602, an input / output unit 603, and a bus 604; the processor 601 is connected to the memory 602, the input / output unit 603, and the bus 604; the memory 602 stores a program, and the processor 601 calls the program to execute any of the methods described above.

[0055] This application also relates to a computer-readable storage medium on which a program is stored, which, when run on a computer, causes the computer to perform any of the methods described above.

[0056] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.

[0057] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection between apparatuses or units through some interfaces, and may be electrical, mechanical, or other forms.

[0058] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0059] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0060] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

Claims

1. A transaction control method, characterized in that, The method includes: initializing a transaction channel of a POS terminal, the transaction channel including an NFC transaction channel and a non-NFC transaction channel; detecting whether there is a transaction intent in the non-NFC transaction channel; and when it is determined that the transaction intent exists in the non-NFC transaction channel, performing a disable operation on the NFC transaction channel.

2. The method according to claim 1, characterized in that, The non-NFC transaction channel is equipped with a detection module, which is connected to the GPIO interrupt pin of the POS terminal's MCU. The detection of whether there is a transaction intention in the non-NFC transaction channel includes: starting the detection task of the detection module, which is used to detect whether there is a card swiping action or a card insertion action; when a card swiping action or a card insertion action is present, causing the GPIO interrupt pin of the MCU to receive an interrupt signal, it is determined that there is a transaction intention in the non-NFC transaction channel.

3. The method according to claim 2, characterized in that, The detection module includes an infrared photodetector module, an ultrasonic detection module, a light-sensing detection module, or a pressure detection module.

4. The method according to claim 2, characterized in that, The operation of disabling the NFC transaction channel includes: sending a disable command to the NFC controller via the MCU, the disable command being used to instruct the NFC radio frequency field to be turned off.

5. The method according to claim 2, characterized in that, When it is determined that the transaction intent exists in the non-NFC transaction channel, the method further includes: starting a preset de-jitter delay task; after the preset de-jitter delay task is completed, if the GPIO interrupt pin of the MCU continues to receive the interrupt signal, then the card swiping action or the card insertion action is confirmed as a valid action.

6. The method according to claim 2, characterized in that, When it is determined that the transaction intent exists in the non-NFC transaction channel, the method further includes: setting a transaction flag bit in the memory of the POS terminal, the transaction flag bit being used to indicate that the card swiping action or the card insertion action currently exists.

7. The method according to any one of claims 1 to 6, characterized in that, After performing the operation to disable the NFC transaction channel, the method further includes: completing the transaction in the non-NFC transaction channel and removing the transaction card, then initiating a preset security delay task; and after the preset security delay task ends, lifting the disabling operation on the NFC transaction channel.

8. A transaction control system, characterized in that, The system includes: an initialization unit for initializing the transaction channels of the POS terminal, the transaction channels including NFC transaction channels and non-NFC transaction channels; a detection unit for detecting whether there is a transaction intent in the non-NFC transaction channels; and an execution unit for disabling the NFC transaction channels when it is determined that the transaction intent exists in the non-NFC transaction channels.

9. A transaction control device, characterized in that, The device includes: a processor, a memory, an input / output unit, and a bus; the processor is connected to the memory, the input / output unit, and the bus; the memory stores a program, and the processor calls the program to perform the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium contains a program that, when executed on a computer, performs the method as described in any one of claims 1 to 7.

Images