Payment method, NFC system, and related apparatus

Abstract

The present application discloses a payment method and a related apparatus. After turning on an NFC function, an electronic device can approach a swiping region of a payment receiving device for swiping by means of NFC, and select a target payment application by means of NFC interaction. The electronic device can complete payment with the payment receiving device using the target payment application. In this way, the electronic device can complete payment without excessive operations by a user, and the efficiency of payment by the user using the electronic device is improved.

Description

Payment method, NFC system and related device

[0001] This application claims priority to Chinese Patent Application No. 202410890016.8, filed on July 03, 2024, entitled "A payment method, NFC system and related device", and Chinese Patent Application No. 202510543333.7, filed on April 27, 2025, entitled "A payment method, NFC system and related device", the contents of which are incorporated herein by reference in their entirety. TECHNICAL FIELD

[0002] The present application relates to the technical field of wireless communication, and in particular to a payment method, NFC system and related device. BACKGROUND

[0003] Mobile payment is a payment method in which a consumer of goods or services makes an accounting payment for the goods or services consumed by operating on an electronic device. The user operates on the electronic device, generally sends a payment instruction to a mobile payment service provider such as a merchant through the Internet or a mobile communication network to generate currency payment and fund transfer, and realizes mobile payment of funds.

[0004] At present, when a user purchases goods or services from an offline entity merchant, the user generally completes payment by a two-dimensional code in a target payment application. There are two ways of two-dimensional code payment as follows: Way 1, the user needs to keep the electronic device connected and open the scanning function in the target payment application to scan the merchant's collection two-dimensional code in the target payment application to obtain the merchant's collection account information. After the target payment application of the electronic device obtains the merchant's collection account information, the target payment application of the electronic device can pull up a payment page, the service platform of the target payment application can deduct the consumption amount from the user's payment account, and transfer the consumption amount to the merchant's collection account to complete the payment. Way 2, the user can open the payment page in the target payment application, and let the merchant's collection device scan the two-dimensional code in the payment page to obtain the account information of the user's payment account, and the service platform of the target payment application can deduct the consumption amount from the user's payment account, and transfer the consumption amount to the merchant's collection account to complete the payment. Through the above two-dimensional code payment method, the user needs to operate multiple times to complete the payment, and the payment operation is complicated, and the user's efficiency of using the electronic device to pay is low. SUMMARY

[0005] The application provides a payment method and related device, which realizes that an electronic device can be close to a card swiping area of a payment device for NFC card swiping, and selects a target payment application through NFC interaction. The electronic device can use the target payment application to complete payment with the payment device. In this way, the electronic device can complete payment without too much operation of a user, and the efficiency of the user using the electronic device to make payment is improved.

[0006] In a first aspect, an embodiment of the application provides a near field communication (NFC) system, comprising: an electronic device and a payment device; wherein

[0007] The payment device is configured to send, to the electronic device through NFC, an identifier of one or more payment applications supported by the payment device for payment; the electronic device is configured to determine a target payment application from the one or more payment applications after receiving the identifier of the one or more payment applications supported by the payment device for payment through the NFC, and display a payment page of the target payment application; and the electronic device is further configured to use the target payment application to complete payment with the payment device.

[0008] Through the NFC system provided by the embodiment of the application, the electronic device can select a target payment application through NFC interaction with the payment device. The electronic device can use the target payment application to complete payment with the payment device. In this way, the electronic device can complete payment without too much operation of a user, and the efficiency of the user using the electronic device to make payment is improved.

[0009] In a possible implementation, the determining of the target payment application from the one or more payment applications comprises: if there is only one payment application in the one or more payment applications supported by the payment device for payment and installed on the electronic device, taking the one payment application supported by the payment device for payment and installed on the electronic device as the target payment application. In this way, the target payment application can be quickly determined without operation of the user.

[0010] In a possible implementation, in a case where the electronic device receives, through the NFC, the identification of the payment application(s) supported by the payment device for payment, the determining of the target payment application from the one or more payment applications comprises: if there are multiple candidate payment applications in the payment application(s) supported by the payment device for payment and installed on the electronic device, and the multiple candidate payment applications include a default payment application set by the user, determining the default payment application as the target payment application; or, if there are multiple candidate payment applications in the payment application(s) supported by the payment device for payment and installed on the electronic device, and the multiple candidate payment applications do not include a default payment application set by the user, determining a candidate payment application used by the user last time for payment or a candidate payment application used by the user most frequently in a specified time period as the target payment application. In this way, the target payment application can be quickly determined without user operation.

[0011] In a possible implementation, the electronic device is further configured to send, to the payment device, a read tag command through the NFC after the payment device enters the radio frequency field generated by the electronic device; and the sending, to the electronic device, the identification of the payment application(s) supported by the payment device for payment through the NFC comprises: sending, to the electronic device, a read tag response through the NFC in response to the read tag command, the read tag response carrying the identification of the payment application(s) supported by the payment device for payment. In this way, the electronic device can obtain the identification of the payment application(s) supported by the payment device for payment through the read tag command and the read tag response of the NFC.

[0012] In a possible implementation, the electronic device is further configured to send, to the payment device, a second card search request through the NFC after the payment device enters the radio frequency field generated by the electronic device, the second card search request being used to indicate that the electronic device supports a second NFC protocol; and the payment device is further configured to send, to the electronic device, a second card search response through the NFC in response to the second card search request, the second card search response being used to indicate that the payment device supports the second NFC protocol. In this way, when the payment device is in the PCD mode, the payment device can discover the electronic device in the PICC mode, so that the payment device can discover the electronic device without user operation.

[0013] In a possible implementation, the payment device is further configured to enter the PCD mode before entering the radio frequency field of the electronic device; and the electronic device is further configured to enter the unlocked state and the PCD mode before the payment device enters the radio frequency field of the electronic device, and to generate the radio frequency field in the PCD mode. In this way, when the electronic device is unlocked, the electronic device can switch between the PCD mode and the PICC mode in time, the electronic device can interact with the payment device in the PCD mode, select a target payment application, and complete payment by using the target payment application.

[0014] In a possible implementation, the payment device is further configured to enter the PCD mode before entering the radio frequency field of the electronic device, and to generate the radio frequency field in the PCD mode; and the electronic device is further configured to enter the unlocked state and the PICC mode before the payment device enters the radio frequency field of the electronic device. The payment device is further configured to send an open poll command to the electronic device through the NFC after the electronic device enters the radio frequency field of the payment device in the PICC mode, where the open poll command is used to request the electronic device to switch to the PCD mode. The electronic device is further configured to send an open poll response to the payment device through the NFC after receiving the open poll command, where the open poll response is used to indicate that the electronic device has received the open poll command. The electronic device is further configured to switch from the PICC mode to the PCD mode after sending the open poll response to the payment device through the NFC, and to generate the radio frequency field in the PCD mode. The payment device is further configured to switch from the PCD mode to the PICC mode in response to the open poll command.

[0015] In this way, when the electronic device is in the unlocked state, the electronic device is in the PICC mode by default, and therefore, the payment device in the PCD mode can trigger the electronic device to switch to the PCD mode by using the open poll command in the NFC after discovering the electronic device in the PICC mode, and then the payment device switches to the PICC mode. Therefore, the electronic device in the PCD mode can select a target payment application by using the NFC, and complete payment.

[0016] In a possible implementation, the payment device is further configured to send a first card search request to the electronic device through the NFC before sending the open poll command to the electronic device through the NFC, the first card search request being used to indicate that the payment device supports a first NFC protocol; and the electronic device is further configured to send a first card search response to the payment device through the NFC in response to the first card search request, the first card search response being used to indicate that the electronic device supports the first NFC protocol. In this way, when the electronic device is in an unlocked state, the electronic device is in a PICC mode by default, and the payment device can discover the electronic device through the NFC in real time.

[0017] In the second NFC protocol, the first NFC protocol and the second NFC protocol can be the same or different.

[0018] In a possible implementation, the payment device is further configured to be in a PCD mode and generate a radio frequency field when sending the identification of the one or more payment applications supported by the payment device for payment to the electronic device through the NFC; and the sending of the identification of the one or more payment applications supported by the payment device for payment to the electronic device through the NFC comprises: after the electronic device enters the radio frequency field generated by the payment device, sending a write tag command to the electronic device through the NFC, the write tag command carrying the identification of the one or more payment applications supported by the payment device for payment; and the electronic device is further configured to send a write tag response to the payment device through the NFC after determining the target payment application, the write tag response carrying the identification of the target payment application. In this way, when the payment device is in the PCD mode and the electronic device is in the PICC mode, the payment device can send the identification of the one or more payment applications supported by the payment device for payment to the electronic device through the write tag command, so that the electronic device selects the target payment application to complete the payment.

[0019] In a possible implementation, the payment is completed between the target payment application and the payment device, including: sending a first payment command to the payment device through the short-distance communication technology, the first payment command carrying the identifier of the target payment application and the identifier of the target payment account, the first payment command being used to request the payment device to perform a payment process; the payment device is further configured to send payment information to the server of the target payment application after receiving the first payment command through the short-distance communication technology, the payment information including the payment amount, the identifier of the target payment account and the identifier of the target payment account, the payment information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target payment account; and the payment device is further configured to send a first payment response to the electronic device through the short-distance communication technology, the first payment response carrying a payment result. In this way, the electronic device can send the identifier of the target payment application and the identifier of the target payment account to the payment device through the payment command, so as to enable the payment device to perform the payment process.

[0020] In a possible implementation, the payment device is further configured to send a second payment command to the electronic device through the short-distance communication technology after receiving the write label response, the second payment command carrying the identifier of the target payment account, the second payment command being used to request the electronic device to perform a payment process; and the payment is completed between the target payment application and the payment device through the short-distance communication technology, including: sending payment information to the server of the target payment application after receiving the second payment command through the short-distance communication technology, the payment information including the payment amount, the identifier of the target payment account and the identifier of the target payment account, the payment information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target payment account; and the electronic device is further configured to send a second payment response to the payment device through the short-distance communication technology, the second payment response carrying a payment result. In this way, the payment device can send the identifier of the target payment account to the electronic device through the payment command, so as to enable the electronic device to perform the payment process.

[0021] In a possible implementation, the payment result carried in the first payment response includes a first payment result or a second payment result, the first payment result being used to indicate that the payment is successful, and the second payment result being used to indicate that the payment fails; and the electronic device is further configured to output a payment completion prompt in response to the first payment response, and output a payment failure prompt in response to the second payment result carried in the first payment response. In this way, the electronic device can obtain the payment result in time.

[0022] In a possible implementation, the payment result carried in the second payment response includes a third payment result or a fourth payment result, the third payment result is used to indicate that the payment is successful, and the fourth payment result is used to indicate that the payment fails; and the payment receiving device is further configured to, in response to the second payment response, output a payment success prompt if the third payment result is carried in the second payment response, and output a payment failure prompt if the fourth payment result is carried in the second payment response. In this way, the payment receiving device can obtain the payment result in a timely manner.

[0023] In a possible implementation, the short-distance communication technology includes any one or more of the following: the NFC, Bluetooth, wireless fidelity (Wi-Fi), and ultra-wideband (UWB).

[0024] In a second aspect, an embodiment of the present application provides a payment method applied to an electronic device, including: receiving an identifier of one or more payment applications supported by a payment receiving device for payment and sent by the payment receiving device through an NFC; determining a target payment application from the one or more payment applications, and displaying a payment page of the target payment application; and completing payment with the payment receiving device using the target payment application.

[0025] In a possible implementation, the determining of the target payment application from the one or more payment applications includes: if there is only one payment application in the one or more payment applications supported by the payment receiving device for payment and installed on the electronic device, taking the one payment application supported by the payment receiving device for payment and installed on the electronic device as the target payment application.

[0026] In a possible implementation, in a case where the identifier of the multiple payment applications supported by the payment receiving device for payment is received through the NFC, the determining of the target payment application from the one or more payment applications includes: if multiple candidate payment applications in the multiple payment applications supported by the payment receiving device for payment are installed on the electronic device, and the multiple candidate payment applications include a default payment application set by a user, taking the default payment application as the target payment application; or, if multiple candidate payment applications in the multiple payment applications supported by the payment receiving device for payment are installed on the electronic device, and the multiple candidate payment applications do not include the default payment application set by the user, taking a candidate payment application used by the user last time for payment or a candidate payment application used by the user most frequently in a specified time period as the target payment application.

[0027] In a possible implementation, the method further includes: after the payment device enters the radio frequency field generated by the electronic device, sending a read tag command to the payment device through the NFC, the read tag command being used to request the payment device to send a read tag response to the electronic device; and the payment device sending the identification of the one or more payment applications supported by the payment device for payment through the NFC, including: in response to the read tag command, sending the read tag response to the electronic device through the NFC, the read tag response carrying the identification of the one or more payment applications supported by the payment device for payment.

[0028] In a possible implementation, the method further includes: after the payment device enters the radio frequency field generated by the electronic device, sending a second card search request to the payment device through the NFC, the second card search request being used to indicate that the electronic device supports a second NFC protocol; and receiving a second card search response sent by the payment device through the NFC, the second card search response being used to indicate that the payment device supports the second NFC protocol.

[0029] In a possible implementation, the method further includes: before the payment device enters the radio frequency field of the electronic device, being in an unlocked state and a PCD mode, and generating the radio frequency field when being in the PCD mode.

[0030] In a possible implementation, the method further includes: before the payment device enters the radio frequency field of the electronic device, being in an unlocked state and a PICC mode; receiving an open poll command sent by the payment device through the NFC, the open poll command being used to request the electronic device to switch to the PCD mode; sending an open poll response to the payment device through the NFC, the open poll response being used to indicate that the electronic device has received the open poll command; after sending the open poll response to the payment device through the NFC, switching from the PICC mode to the PCD mode, and generating the radio frequency field when being in the PCD mode.

[0031] In a possible implementation, before receiving the open poll command sent by the payment device through the NFC, the method further includes: receiving a first card search request sent by the payment device through the NFC, the first card search request being used to indicate that the payment device supports a first NFC protocol; and in response to the first card search request, sending a first card search response to the payment device through the NFC, the first card search response being used to indicate that the electronic device supports the first NFC protocol.

[0032] In a possible implementation, the receiving the identification of the one or more payment applications supported by the payment device for payment sent by the payment device through the NFC comprises: receiving, after the electronic device enters a radio frequency field generated by the payment device, a write tag command sent by the payment device through the NFC, the write tag command carrying the identification of the one or more payment applications supported by the payment device for payment; and the method further comprises: after the target payment application is determined, sending, to the payment device through the NFC, a write tag response carrying the identification of the target payment application.

[0033] In a possible implementation, the using the target payment application to complete the payment with the payment device through the short-distance communication technology comprises: sending, to the payment device, a first payment command carrying the identification of the target payment application and the identification of the target payment account through the short-distance communication technology, the first payment command being used to request the payment device to perform a payment process; and receiving a first payment response sent by the payment device through the short-distance communication technology, the first payment response carrying a payment result.

[0034] In a possible implementation, the method further comprises: after the write tag response is sent to the payment device through the NFC, receiving a second payment command sent by the payment device through the short-distance communication technology, the second payment command carrying the identification of the target payment account, the second payment command being used to request the electronic device to perform a payment process; and the using the target payment application to complete the payment with the payment device through the short-distance communication technology comprises: after the second payment command is received through the short-distance communication technology, sending, to a server of the target payment application, payment information including the payment amount, the identification of the target payment account and the identification of the target payment account, the payment information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target payment account; and sending, to the payment device, a second payment response carrying a payment result through the short-distance communication technology.

[0035] In a possible implementation, the payment result carried in the first payment response comprises a first payment result or a second payment result, the first payment result being used to indicate a payment success, and the second payment result being used to indicate a payment failure; and the method further comprises: in response to the first payment response, if the first payment result is carried in the first payment response, outputting a payment completion prompt, and if the second payment result is carried in the first payment response, outputting a payment failure prompt.

[0036] In a possible implementation, the payment result carried in the second payment response comprises a third payment result or a fourth payment result, the third payment result being used to indicate a payment success, and the fourth payment result being used to indicate a payment failure.

[0037] In a possible implementation, the short-distance communication technology includes any one or more of the following: the NFC, Bluetooth, Wi-Fi, and UWB.

[0038] In a third aspect, an embodiment of the present application provides a payment method applied to a payment device, the method comprising: receiving, through an NFC, an identification of one or more payment applications supported by an electronic device for payment; determining a target payment application from the one or more payment applications supported by the electronic device for payment; sending, through the NFC, an identification of the target payment application to the electronic device; and completing payment with the target payment application of the electronic device.

[0039] The payment method provided by the embodiment of the present application can achieve that when the electronic device is close to the payment device, the payment device can select a target payment application according to the identification of one or more payment applications sent by the electronic device through the NFC, whether the electronic device is in an unlocked state or an unlocked state. The electronic device can use the target payment application to complete payment with the payment device. In this way, the electronic device can complete payment without too much operation of the user, and the efficiency of the user using the electronic device for payment is improved.

[0040] In a possible implementation, before receiving the identification of the one or more payment applications supported by the electronic device for payment, the method further comprises: sending, through the NFC, a first selection command to the electronic device, the first selection command being used to select a payment service; and the receiving, through the NFC, the identification of the one or more payment applications supported by the electronic device for payment comprises: receiving, through the NFC, a first selection response sent by the electronic device, the first selection response carrying the identification of the one or more payment applications supported by the electronic device for payment.

[0041] In a possible implementation, the sending, through the NFC, the identification of the target payment application to the electronic device comprises: sending, through the NFC, a second selection command to the electronic device, the second selection command carrying the identification of the target payment application; and the method further comprises: receiving, through the NFC, a second selection response sent by the electronic device, the second selection response being used to indicate that the electronic device successfully selects the target payment application.

[0042] In a possible implementation, the determining the target payment application from the one or more payment applications supported by the electronic device for payment comprises: determining the target payment application based on the one or more payment applications supported by the electronic device for payment and one or more payment applications supported by the payment device for payment. In this way, the target payment application supported by the electronic device and the payment device for payment can be selected for payment.

[0043] In a possible implementation, the first selection response further carries capability information of the one or more payment applications supported by the electronic device for payment, the capability information being used to indicate payment capability of the payment application; and the determining the target payment application from the one or more payment applications supported by the electronic device for payment comprises: determining the target payment application based on the one or more payment applications supported by the electronic device for payment, the one or more payment applications supported by the payment device for payment, and the capability information of the one or more payment applications supported by the electronic device for payment. In this way, the target payment application with the highest payment capability can be selected for payment.

[0044] In a possible implementation, the capability information comprises priority and / or preferential information, the priority being used to indicate priority set by the electronic device for the payment application, and the preferential information being used to indicate preferential strength when the payment application is used for payment.

[0045] In a possible implementation, the completing the payment with the target payment application of the electronic device comprises: sending, by the NFC, an order command to the electronic device, the order command carrying first order information; receiving, by the NFC, an order response sent by the electronic device, the order response being used to indicate that the electronic device has received the order command; sending, by the NFC, a transaction initialization command to the electronic device, the transaction initialization command being used to obtain a payment credential; if a first transaction initialization response sent by the electronic device is received after the transaction initialization command is sent to the electronic device by the NFC, initiating, based on the first payment credential and the first order information, a payment process to a server of the target payment application, the first transaction initialization response carrying the first payment credential. In this way, the payment device can be triggered to perform the payment process.

[0046] In a possible implementation, the completing the payment with the target payment application of the electronic device further comprises: if a second transaction initialization response sent by the electronic device is received after the transaction initialization command is sent to the electronic device by the NFC, sending, by the NFC, a wake-up command to the electronic device, the second transaction initialization response being used to indicate that the electronic device is in an unlocked state, the wake-up command carrying a wake-up identifier, an identifier of the target payment application, and the first order information, the wake-up command being used to instruct the electronic device to initiate, based on the first order information, a payment process to the server of the target payment application in a locked state. In this way, the electronic device can be triggered to perform the payment process in the locked state, so as to complete the payment.

[0047] In a possible implementation, the payment completion with the target payment application of the electronic device includes: sending, by the NFC, a wake-up command to the electronic device, the wake-up command carrying a wake-up identifier, an identifier of the target payment application, and first order information, the wake-up command being used to instruct the electronic device to initiate a payment process based on the first order information to a server of the target payment application in an unlocked state.

[0048] In a possible implementation, before the wake-up command sent by the NFC to the electronic device, the payment completion with the target payment application of the electronic device further includes: sending, by the NFC, an order command to the electronic device, the order command not carrying the first order information; receiving, by the NFC, an order response sent by the electronic device, the order response being used to indicate that the electronic device has received the order command; sending, by the NFC, a transaction initialization command to the electronic device, the transaction initialization command being used to obtain a payment credential; and receiving, by the NFC, a third transaction initialization response sent by the electronic device, the third transaction initialization response being used to indicate that the electronic device has received the transaction initialization command, the third transaction initialization response not carrying the first payment credential.

[0049] In a possible implementation, the first order information includes an order identifier of a first payment order and / or a payment amount of the first payment order.

[0050] In a fourth aspect, an embodiment of the present application provides a payment method applied to an electronic device, the method including: sending, by an NFC, an identifier of one or more payment applications supported by the electronic device for payment to a payee device; receiving, by the NFC, an identifier of a target payment application in the one or more payment applications supported by the electronic device for payment sent by the payee device; and completing, after receiving the identifier of the target payment application, payment with the payee device using the target payment application.

[0051] In a possible implementation, before the identifier of the one or more payment applications supported by the electronic device for payment is sent by the NFC to the payee device, the method further includes: receiving, by the NFC, a first selection command sent by the payee device, the first selection command being used to select a payment service; and the sending, by the NFC, of the identifier of the one or more payment applications supported by the electronic device for payment to the payee device includes: sending, by the NFC, a first selection response to the electronic device, the first selection response carrying the identifier of the one or more payment applications supported by the electronic device for payment.

[0052] In a possible implementation, the receiving, by the NFC, the identification of the target payment application from the payment device includes: receiving, by the NFC, a second selection command from the payment device, the second selection command carrying the identification of the target payment application; and after receiving the second selection command from the payment device, the method further includes: sending, by the NFC, a second selection response to the payment device, the second selection response being used to indicate that the electronic device successfully selects the target payment application.

[0053] In a possible implementation, the first selection response further carries capability information of the one or more payment applications supported by the electronic device, the capability information being used to indicate payment capabilities of the payment application.

[0054] In a possible implementation, the capability information includes priority and / or preferential information, the priority being used to indicate a priority set by the electronic device for the payment application, and the preferential information being used to indicate a preferential degree when the payment application is used for payment.

[0055] In a possible implementation, the completing, by the electronic device, the payment with the payment device using the target payment application includes: receiving, by the NFC, an order command from the payment device, the order command carrying first order information; sending, by the NFC, an order response to the payment device, the order response being used to indicate that the electronic device has received the order command; receiving, by the NFC, a transaction initialization command from the payment device, the transaction initialization command being used to obtain a payment credential; after receiving the transaction initialization command, if the electronic device is in an unlocked state, sending, by the NFC, a first transaction initialization response to the payment device, the first transaction initialization response carrying a first payment credential, the first transaction initialization response being used to indicate that the electronic device initiates a payment process to a server of the target payment application based on the first payment credential.

[0056] In a possible implementation, the completing, by the electronic device, the payment with the payment device using the target payment application further includes: after receiving the transaction initialization command, if the electronic device is in an unlocked state, sending, by the NFC, a second transaction initialization response to the payment device, the second transaction initialization response being used to indicate that the electronic device is in an unlocked state; receiving, by the NFC, a wake-up command from the payment device, the wake-up command carrying a wake-up identification, an identification of the target payment application, and the first order information; after receiving the wake-up command, unlocking the electronic device; and after the electronic device is successfully unlocked, initiating, by the target payment application, a payment process to the server of the target payment application based on the first order information and the first payment credential.

[0057] In a possible implementation, the payment is completed by using the target payment application and the payment device, and further includes: after receiving the transaction initialization command, if the electronic device is in an unlocked state, sending a second transaction initialization response to the payment device through the NFC, the second transaction initialization response being used to indicate that the electronic device is in the unlocked state; after sending the second transaction initialization response to the payment device through the NFC, unlocking the electronic device; after the electronic device is successfully unlocked, initiating a payment process by using the target payment application and based on the first order information and the first payment credential.

[0058] In a possible implementation, the payment is completed by using the target payment application and the payment device, and includes: receiving a wake-up command sent by the payment device through the NFC, the wake-up command carrying a wake-up identifier, an identifier of the target payment application, and first order information; after receiving the wake-up command, if the electronic device is in an unlocked state, initiating a payment process by using the target payment application and based on the first order information and the first payment credential; after receiving the wake-up command, if the electronic device is not in the unlocked state, unlocking the electronic device, and after the electronic device is successfully unlocked, initiating the payment process by using the target payment application and based on the first order information and the first payment credential.

[0059] In a possible implementation, before receiving the wake-up command sent by the payment device through the NFC, the payment is completed by using the target payment application and the payment device, and further includes: receiving an order command sent by the payment device through the NFC, the order command not carrying the first order information; sending an order response to the payment device through the NFC, the order response being used to indicate that the electronic device has received the order command; receiving a transaction initialization command sent by the payment device through the NFC, the transaction initialization command being used to obtain a payment credential; sending a third transaction initialization response to the payment device through the NFC, the third transaction initialization response being used to indicate that the electronic device has received the transaction initialization command, and the third transaction initialization response not carrying the first payment credential.

[0060] In a possible implementation, the first order information includes an order identifier of the first payment order and / or a payment amount of the first payment order.

[0061] In a fifth aspect, an embodiment of the present application provides an NFC system, including an electronic device and a payment device; wherein the payment device is configured to execute the payment method in the third aspect and any possible implementation manner of the third aspect; and the electronic device is configured to execute the payment method in the fourth aspect and any possible implementation manner of the fourth aspect.

[0062] In a sixth aspect, an electronic device is provided, which includes one or more processors, one or more memories, and a transceiver. The transceiver, the one or more memories, and the one or more processors are coupled. The one or more memories are configured to store computer programs. When the one or more processors execute the computer programs, the payment method in any possible implementation of any one of the aspects above is implemented.

[0063] In a seventh aspect, a computer storage medium is provided, which stores a computer program. When the computer program is run on a processor, the payment method in any possible implementation of any one of the aspects above is implemented.

[0064] In an eighth aspect, a computer program product is provided, which includes a computer program. When the computer program is run on a processor, the payment method in any possible implementation of any one of the aspects above is implemented.

[0065] In a ninth aspect, a chip system is provided, which includes a processing circuit and an interface circuit. The interface circuit is configured to receive code instructions and transmit the code instructions to the processing circuit. The processing circuit is configured to run the code instructions to execute the payment method in the second aspect and any possible implementation of the second aspect.

[0066] The beneficial effects in the second aspect to the sixth aspect and any possible implementation of the second aspect to the sixth aspect can refer to the beneficial effects in the first aspect, the third aspect, and any possible implementation of the first aspect or the third aspect, which will not be repeated here. BRIEF DESCRIPTION OF DRAWINGS

[0067] FIG. 1 is a schematic diagram of a working principle of NFC according to an embodiment of the present application;

[0068] FIG. 2 is a schematic diagram of an architecture of an NFC system according to an embodiment of the present application;

[0069] FIG. 3 is a schematic diagram of a structure of an electronic device according to an embodiment of the present application;

[0070] FIG. 4 is a schematic diagram of an NFC protocol stack according to an embodiment of the present application;

[0071] FIGS. 5A-5G are a set of interface diagrams of two-dimensional code payment according to an embodiment of the present application;

[0072] FIGS. 6A-6F are a set of interface diagrams of NFC pull-up payment according to an embodiment of the present application;

[0073] FIGS. 7A-7E are a set of interface diagrams of setting a default payment application for NFC payment according to an embodiment of the present application;

[0074] FIG. 8 is a flow diagram of a payment method according to an embodiment of the present application;

[0075] FIG. 9 is a flow diagram of a payment method according to another embodiment of the present application;

[0076] FIG. 10A is a flow diagram of a payment method according to yet another embodiment of the present application;

[0077] FIG. 10B is a flow diagram of a payment method according to another embodiment of the present application;

[0078] FIG. 10C is a flow diagram of a payment method according to another embodiment of the present application;

[0079] FIG. 11 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present application;

[0080] FIG. 12 is a schematic diagram of a structure of a communication apparatus according to an embodiment of the present application;

[0081] FIG. 13 is a schematic diagram of a structure of another communication apparatus according to an embodiment of the present application;

[0082] FIG. 14 is a schematic diagram of a structure of another communication apparatus according to an embodiment of the present application;

[0083] FIG. 15 is a schematic diagram of a structure of another communication apparatus according to an embodiment of the present application. DETAILED DESCRIPTION

[0084] The technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings. In the description of the embodiments of the present application, unless otherwise specified, " / " means "or", for example, A / B can mean A or B; "and / or" in the text only means a description of the association relationship of the associated objects, which means that there can be three relationships, for example, A and / or B, which means that there are three cases of A alone, A and B together, and B alone. In addition, in the description of the embodiments of the present application, "multiple" means two or more than two.

[0085] Hereinafter, the terms "first" and "second" are only used for descriptive purposes, and cannot be understood as implying or suggesting relative importance or implicitly indicating the number of indicated technical features. Therefore, the features defined with "first" and "second" can explicitly or implicitly include one or more features, and in the description of the embodiments of the present application, unless otherwise specified, the meaning of "multiple" is two or more than two.

[0086] The working principle of NFC in the embodiments of the present application will be described below.

[0087] FIG. 1 shows a schematic diagram of a NFC working principle provided in an embodiment of the present application.

[0088] As shown in FIG. 1, the two parties communicating using NFC technology can include a proximity coupling device (PCD) and a proximity intelligent card (PICC). The PCD can achieve proximity contactless communication with the PICC. The PCD and the PICC can allow near field communication at a specific data rate (for example, 106 kbps, 212 kbps, 424 kbps or 848 kbps) and a specific frequency (for example, 13.56 MHz). The communication between the PCD and the PICC can occur within a close distance, for example, within a range of about 2 to 4 centimeters, between the PCD and the PICC.

[0089] The PCD can generate high-frequency alternating current to generate a radio frequency field at a specified frequency (for example, 13.56 MHz) and transmit data to the PICC through the radio frequency field. After the PICC approaches the PCD, the PICC can induct the radio frequency field emitted by the PCD. The PICC can obtain energy from the radio frequency field of the PCD through electromagnetic induction after entering the radio frequency field emitted by the PCD, and generate power by means of the obtained energy to drive the circuit inside the PICC, analyze the data transmitted by the PCD through the radio frequency field, so as to realize data transmission from the PCD to the PICC. The PICC can also send data to the PCD by modulating the radio frequency field, thereby realizing data transmission from the PICC to the PCD.

[0090] In an embodiment of the present application, the PICC can be a physical NFC tag device, and some NFC devices (for example, mobile phones, tablets, smart watches and other electronic devices) can also simulate themselves into a PICC conforming to NFC related standards by using the data of an NFC simulation card, so as to realize the function of the PICC and interact with the PCD through NFC.

[0091] The following describes an NFC system provided in an embodiment of the present application.

[0092] FIG. 2 shows a schematic diagram of an architecture of an NFC system 10 provided in an embodiment of the present application.

[0093] As shown in FIG. 2, the NFC system 10 can include an electronic device 100 and a payment device 200. The electronic device 100 can simulate itself into a PICC conforming to NFC related standards by using the data information of an NFC simulation card to realize the function of the PICC. The payment device 200 can interact with the electronic device 100 in the PICC mode through NFC as a PCD.

[0094] In a possible case, the electronic device 100 can support both the PICC mode and the PCD mode. In the PCD mode, the electronic device 100 can transmit a radio frequency field as a PCD to communicate with a PICC. In the PICC mode, the electronic device 100 can simulate itself as a PICC conforming to NFC related standards through data information of the NFC analog card, passively receive a radio frequency field transmitted by a PCD, and interact with the PCD through a load modulation technology.

[0095] In the embodiment of the present application, after the NFC function is turned on, the electronic device 100 can be in the PICC mode. If the electronic device 100 supports both the PCD mode and the PICC mode, after the NFC function is turned on, the electronic device 100 can switch between the PICC mode and the PCD mode. In a possible implementation, in order to save power consumption, after the NFC function is turned on, if the electronic device 100 is in an unlocked state, the electronic device 100 can be in the PICC mode by default, and if the electronic device 100 is in a locked state, the electronic device 100 can be in the PICC mode or the PCD mode in time.

[0096] In a possible implementation, the payment device 200 can support both the PCD mode and the PICC mode. In the PCD mode, the payment device 200 can transmit a radio frequency field as a PCD to communicate with a PICC. In the PICC mode, the payment device 200 can passively receive a radio frequency field transmitted by a PCD as a PICC, and interact with the PCD through a load modulation technology.

[0097] In a possible implementation, the NFC module of the payment device 200 can support both the PCD mode and the PICC mode, and the NFC module of the payment device 200 can switch between the PCD mode and the PICC mode.

[0098] In a possible implementation, the NFC module of the payment device 200 can work in the PCD mode. The payment device 200 can further include an NFC tag device, and the NFC tag device can work in the PICC mode. In this case, the NFC tag device can be attached to an outer surface or an inner surface of a card swiping area of the payment device 200. Optionally, the NFC tag device can be connected to the processor of the payment device 200, or can be not connected to the processor of the payment device 200.

[0099] In an embodiment of the present application, the device type of the electronic device 100 can be any one of a mobile phone, a tablet computer, a handheld computer, a desktop computer, a laptop computer, an ultra-mobile personal computer (UMPC), a netbook, a cellular phone, a personal digital assistant (PDA), and a smart large screen, a smart speaker, and the like smart home device, a smart bracelet, a smart watch, smart glasses, and the like wearable device, an augmented reality (AR), a virtual reality (VR), a mixed reality (MR), and the like extended reality (XR) device, a vehicle-mounted device or a smart city device, and the like.

[0100] The device type of the collection device 200 can be any one of a mobile phone, a tablet computer, a handheld computer, a desktop computer, a laptop computer, an ultra-mobile personal computer, a netbook, a cellular phone, a personal digital assistant, and a smart large screen, a smart speaker, and the like smart home device, a smart bracelet, a smart watch, smart glasses, and the like wearable device, an augmented reality, a virtual reality, a mixed reality, and the like extended reality device, a vehicle, a gate, a smart lock, a card swiping device, a point of sale (POS) terminal, a ticket buying and / or checking terminal, a bank service terminal, an identification card reading device, and the like.

[0101] The structure of the electronic device 100 provided in an embodiment of the present application is introduced below.

[0102] FIG. 3 shows a structure of an electronic device 100 provided in an embodiment of the present application.

[0103] As shown in FIG. 3, the electronic device 100 can include a processor 101 and an NFC module 102. One or more applications can be run in the processor 101. The one or more applications can include one or more of a wallet application, one or more host-based card emulation (HCE) applications, and the like. Optionally, the electronic device 100 can further include a secure element (SE) 103 and / or a subscriber identity module (SIM) card 104. The processor 101 can be connected with the NFC module 102, the SE 103, and the SIM card 104, respectively. The NFC module 102 can also be connected with the SE 103 and the SIM card 104.

[0104] The NFC module 102 can include an NFC controller (not shown in FIG. 3), an NFC transceiver (not shown in FIG. 3), and an NFC memory (not shown in FIG. 3). Among them, the NFC controller can be connected with the processor 101, and the NFC controller can also be connected with the NFC transceiver and the NFC memory respectively.

[0105] The NFC controller is mainly used for the modulation and demodulation of non-contact communication signals, controls the input and output of data in the NFC memory, and interacts with the processor 101. The NFC transceiver is used to realize the sending and receiving of NFC signals (for example, 13.56 MHz radio frequency signals), which can include an electromagnetic compatibility (EMC) filter circuit, a matching circuit, a receiving circuit, and an NFC antenna, etc., wherein the NFC antenna can be a loop antenna, which is used to realize the proximity-based non-contact communication capability of the NFC module 102. The NFC memory can be used to store data sent by the NFC module 102 to the payment device 200, and data received from the payment device 200. In some embodiments, the NFC memory can be one memory, which can be shared by the above components in the NFC module 102, for example, some data in the NFC memory can be called by the NFC controller, and other data can be called by the SE 103.

[0106] In other embodiments, the NFC memory can also be a collection of multiple memories, for example, the NFC controller can include a first memory in the multiple memories, and the first memory can include instructions or data used or recycled by the NFC controller, if the NFC controller needs to use the instructions or data again, the instructions or data can be directly called from the first memory, so as to reduce the waiting time of the NFC controller. The SE 103 can include a second memory in the multiple memories. Among them, the second memory can include card information of the NFC emulation card based on the secure element, etc., so that if the SE 103 needs to read the card information of the NFC emulation card, the card information of the NFC emulation card can be read from the second memory in the SE 103. The SIM card 104 can include a third memory in the multiple memories. Among them, the third memory can include card information of the NFC emulation card based on the SIM card, etc., so that if the SIM card 104 needs to read the card information of the NFC emulation card, the card information of the NFC emulation card can be read from the third memory in the SIM card 104.

[0107] In some embodiments, the NFC memory described above can also store routing information. In some embodiments, the routing information can be controlled or managed by the NFC controller, and the routing information can include a routing table composed of a list of routing rules. Each routing rule contains an applet identifier (AID) and a destination. The destination is where the Applet for implementing the business logic of the NFC emulation card runs. The destination can include an HCE application running in the processor 101 of the electronic device 100, or the SE 103 or the SIM card 104 connected to the NFC controller.

[0108] The SE 103 and the NFC module 102 can be two independent chips. Alternatively, the SE 103 and the NFC module 102 can be packaged in one chip.

[0109] The electronic device 100 can open one or more NFC emulation cards in the application according to the user's input, so as to enable the electronic device 100 to support one or more NFC services. The service processing logic of the NFC emulation card in the electronic device 100 is implemented by an applet. The applet can be stored and run in the hardware device or software module (for example, the HCE application, the SIM card, the SE, etc.) corresponding to the NFC emulation card.

[0110] The card emulation mode on the electronic device 100 can be divided into a hardware-based virtual card mode and a software-based HCE mode.

[0111] 1. In the hardware-based virtual card mode, the electronic device 100 can provide the running environment of the Applet of the NFC emulation card and the storage and processing of the business data of the NFC emulation card through the SE 103 or the SIM card 104. The NFC module 102 as the front end of the contactless communication forwards the command received from the external PCD to the SE 103 or the SIM card 104, which is then processed by the Applet in the SE 103 or the SIM card 104, and the response data is sent to the external PCD through the NFC module 102. The user can open one or more NFC emulation cards in the wallet application, and the wallet application can write the Applet and card data of the one or more NFC emulation cards into the SE 103. Alternatively, the user can open one or more NFC emulation cards in the SIM card application. The SIM card application can write the Applet and card data of the one or more NFC emulation cards into the SIM card 104 for storage.

[0112] 2、In the software-based HCE mode, the HCE application running in the processor 101 can provide a running environment of the Applet corresponding to the NFC emulation card and storage and processing of the service data of the NFC emulation card. After receiving a command sent by an external PCD, the NFC module 102 can send the command to the HCE application. The HCE application can process the command received by the NFC module through the Applet running in the HCE application or a cloud server, and generate response data for the PCD. The HCE application can send the response data to the NFC module 102. The NFC module 102 can send the response data to the external PCD. The user can open one or more NFC emulation cards in the HCE application, and the HCE application can run the Applet of the one or more NFC emulation cards and save the card data of the NFC emulation card on the local storage of the electronic device 100 or on the cloud server.

[0113] Optionally, the processor 101 can also run an NFC basic service module. The NFC basic service module can be used to provide common management functions for one or more NFC services. The common management functions can include file management, card long activation, security management, service routing management, and the like.

[0114] Exemplarily, in the above-mentioned card emulation scenario, the electronic device 100 is installed with a native application related to NFC, and the user can also download and install a third-party application in the electronic device 100 through an application store. Generally, the native application can adopt a hardware-based virtual card scheme, and the third-party application can adopt an HCE scheme. The native application can be a wallet application or the like. The above-mentioned examples are only used to explain the present application, and should not be construed as limitation.

[0115] Next, a kind of NFC protocol stack provided in the embodiment of the present application is introduced.

[0116] Fig. 4 shows a kind of NFC protocol stack provided in the embodiment of the present application.

[0117] As shown in Fig. 4, the NFC protocol stack can include a physical layer, a radio frequency layer, an access layer, a transport layer and an application layer.

[0118] The physical layer can be used to realize the physical characteristics when the NFC technology communicates.

[0119] The radio frequency layer can be used to realize the radio frequency specification when the NFC technology communicates, for example, data rate, frequency of radio frequency signal, etc.

[0120] The access layer can be used to realize the functions of polling and device discovery, service result notification, card conflict management, transmission protocol negotiation, timeout and retransmission mechanism, PICC / PCD mode switching, fusion card selection, etc.

[0121] The transport layer includes a high-speed data transmission protocol, by which the PCD and the PICC can realize data transmission between the application layers.

[0122] The application layer can be used to implement one or more NFC services (also referred to as NFC businesses) and one or more service management strategies. The one or more NFC services can include codeless payment (also referred to as payment), electronic ticket, access control, digital ID, full-scene tap-to-tap, near-field data transmission, etc. The one or more service management strategies can include any one or more of file management, card long activation, security management, and service routing management, etc. The processing logic of the NFC service can be executed by the Applet. In a possible implementation, the processing logic of the service management strategy can be executed by the NFC base service module.

[0123] The operation flow of the two-dimensional code payment provided in the embodiments of the present application is introduced below.

[0124] FIGS. 5A-5G show a set of interface schematic diagrams of the two-dimensional code payment provided in the embodiments of the present application.

[0125] For example, as shown in FIG. 5A, the electronic device 100 can be unlocked and display a desktop 510. The desktop 510 can include one or more application icons. For example, the one or more application icons can include a clock application icon, a settings application icon 511, a voice recorder application icon, a wallet application icon 512, a payment application icon 513, a dialer application icon, an information application icon, a contact application icon, and a camera application icon, etc.

[0126] The electronic device 100 can receive a user input (e.g., a single click) on the payment application icon 513, and in response to the input, the electronic device 100 can display a payment application interface 520 as shown in FIG. 5B.

[0127] As shown in FIG. 5B, the payment application interface 520 can include one or more function controls. The one or more function controls can include a code scanning control 521, a pay control 522, a receive money control, a card package control, etc.

[0128] The electronic device 100 can receive a user input (e.g., a single click) on the code scanning control 521, and in response to the input, the electronic device 100 can start the image captured by the specified camera and display a code scanning interface 530 as shown in FIG. 5C.

[0129] As shown in FIG. 5C, the code scanning interface 530 can include an image 531 captured by a specified camera of the electronic device 100. When the specified camera of the electronic device 100 is aligned with an object with a two-dimensional code, the image 531 captured by the specified camera includes the two-dimensional code 532. The electronic device 100 can identify two-dimensional code information of a payment account from the two-dimensional code 532, and obtain payment account information from a server of a payment application based on the two-dimensional code information of the payment account. The payment account information can include an identifier of the payment account, a name of the payment account (e.g., “K-Store”), and an avatar of the payment account, and the like.

[0130] As shown in FIG. 5D, after obtaining the payment account information from the server based on the two-dimensional code information, the electronic device 100 can display a payment interface 540. The payment interface 540 can include a name of the payment account 541, a name of the payment account 542 (e.g., “K-Store”), a payment amount input box 543, a remark input box 544, a payment confirmation control 545, and a number keypad 546. The payment amount input box 543 can be used to display a payment amount (e.g., “50 yuan”) input by the user through the number keypad 546. The remark input box 544 can be used to display payment remark information input by the user. The number keypad 546 can be used to receive the payment amount input by the user.

[0131] After the electronic device 100 receives the payment amount input by the user in the input box 543, the electronic device 100 can receive an input (e.g., a single click) of the payment confirmation control 545 by the user. In response to the input, the electronic device 100 can display a payment verification page 550 as shown in FIG. 5E.

[0132] As shown in FIG. 5E, the payment verification page 550 can include a name of the payment account 551 (e.g., “K-Store”), a payment amount 552 (e.g., “50 yuan”), a password input box 553, and a password input keypad 554. The password input keypad 554 can be used to receive an input of a payment password by the user in the password input box 553.

[0133] After the electronic device 100 verifies the payment password input by the user successfully, the electronic device 100 can send payment information to a server of the payment application. The payment information includes an identifier of a payment account, a payment amount, payment remark information, an identifier of a payment account, and the like. Then, the server of the payment application can deduct the payment amount from a balance of the payment account, and increase the payment amount in a balance of the payment account according to the payment information. After deducting the payment amount from the balance of the payment account, and increasing the payment amount in the balance of the payment account, the server of the payment application can send a payment completion notification to the electronic device 100, and send a payment completion notification to a payment device used by a merchant.

[0134] As shown in FIG. 5F, after receiving the payment completion notification, the electronic device 100 can display a payment completion interface 560. The payment completion interface 560 can include a payment amount 561.

[0135] Optionally, the electronic device 100 can receive a user input on the payment control 522 in the payment application interface 520 shown in FIG. 5B, and in response to the input, the electronic device 100 can display a payment interface 570 as shown in FIG. 5G.

[0136] As shown in FIG. 5G, the payment interface 570 can include a two-dimensional code 571 of a payment account. When the two-dimensional code 571 is scanned by a payment device used by a merchant, the payment device can identify two-dimensional code information of the payment account from the two-dimensional code 571, and obtain payment account information from a server of the payment application based on the two-dimensional code information of the payment account. The payment account information can include an identifier of the payment account, etc. The payment device can send payment information to the server of the payment application. The payment information can include a payment amount, an identifier of a payment account, an identifier of a payment account, etc. The server of the payment application can deduct the payment amount from a balance of the payment account, and increase the payment amount in a balance of the payment account according to the payment information. After deducting the payment amount from the balance of the payment account, and increasing the payment amount in the balance of the payment account, the server of the payment application can send a payment completion notification to the electronic device 100, and send a payment completion notification to the payment device used by the merchant. After receiving the payment completion notification, the electronic device 100 can display the payment completion interface 560 shown in FIG. 5F.

[0137] As can be seen from the above operation process of the two-dimensional code payment, the user needs to operate the electronic device 100 multiple times to complete the payment. If the electronic device 100 is in a locked or turned-off state, the user also needs to unlock the electronic device 100 and then operate multiple times to complete the payment. The operation process of the two-dimensional code payment is complicated, and the user's efficiency of using the electronic device to pay is low.

[0138] Therefore, in the embodiments of the present application, a payment method is provided. After the NFC function of the electronic device 100 is turned on, the electronic device 100 can be close to a card swiping area of the payment device 200 for swiping a card through NFC, and select a target payment application through NFC interaction. The electronic device 100 can complete payment with the payment device 200 using the target payment application. In this way, the electronic device 100 can complete payment without too much user operation, and the efficiency of the user using the electronic device 100 to pay is improved.

[0139] In some embodiments, after the NFC function of the electronic device 100 is turned on, when the electronic device 100 is close to the payment device 200, the payment device 200 can select a target payment application according to the identification of one or more payment applications sent by the electronic device 100 through NFC. The electronic device 100 can use the target payment application to complete payment with the payment device 200. In this way, the electronic device 100 can complete payment without too much operation of the user, and the efficiency of the user using the electronic device 100 to make payment is improved.

[0140] Next, a group of NFC pull-up payment processes provided in the embodiments of the present application will be introduced in combination with a user interface.

[0141] FIGS. 6A-6F show a group of interface schematic diagrams of NFC pull-up payment provided in the embodiments of the present application.

[0142] For example, as shown in FIG. 6A, the NFC module is included below the card swiping area of the payment device 200. When the entity's NFC tag device or the electronic device 100 in the PICC mode is close to the card swiping area of the payment device 200, the entity's NFC tag device or the electronic device 100 in the PICC mode can interact with the payment device 200 through NFC.

[0143] As shown in FIG. 6B, when the electronic device 100 is in the screen-off state, the electronic device 100 is close to the card swiping area of the payment device 200. After the payment device 200 detects the electronic device 100 through NFC, the payment device 200 can interact with the electronic device 100 through NFC signaling.

[0144] As shown in FIG. 6C, after the electronic device 100 interacts with the payment device 200 through NFC signaling, the electronic device 100 can determine to use a target payment application to make payment from one or more payment applications on the electronic device 100, and display a payment in progress page 620. The payment in progress page 620 can be displayed on the lock screen interface 610. The lock screen interface 610 can include a lock mark 611 and time information 612, and the lock mark 611 can be used to prompt the user that the electronic device 100 is in the locked state. The payment in progress page 620 can include the identification 621 of the target payment application and a payment prompt 622. The payment prompt 622 can be used to prompt the user that the electronic device 100 is making payment. Optionally, the payment in progress page 620 can also include the name 623 of the target payment account (for example, “K-Store”).

[0145] As shown in FIG. 6D, the electronic device 100 can complete the payment with the payment-receiving device 200 using the target payment application through the short-distance communication technology. After the payment with the payment-receiving device 200 is completed, the electronic device 100 can display a payment completion page 630. The payment completion page 630 can include a payment success prompt 631, a payment amount 632 (e.g., “50 yuan”), a name 633 of the target payment-receiving account (e.g., “K-Store”), and a completion control 634. The payment success prompt 631 can be used to prompt the user that the payment of the electronic device 100 is successful. The payment success prompt 631 can be one or more of a text prompt, an image prompt, an audio prompt, a vibration prompt, and the like. The completion control 634 can be used to trigger the electronic device 100 to close the payment completion page 630.

[0146] Optionally, when the payment of the electronic device 100 fails, the electronic device 100 can display a payment failure page. The payment failure page can include a payment failure prompt, which can be used to prompt the user that the payment of the electronic device 100 fails.

[0147] In a possible implementation, as shown in FIG. 6E, after the electronic device 100 performs the NFC signaling interaction with the payment-receiving device 200, the electronic device 100 can determine the target payment application to perform the payment from one or more payment applications on the electronic device 100, and display a payment page 640. The payment page 640 can include an identification 641 of the target payment application, a name 642 of the target payment-receiving account (e.g., “K-Store”), a payment amount input box 643, a remark input box 644, a payment confirmation control 645, and a digital keyboard 646. The payment amount input box 643 can be used to display the payment amount (e.g., “50 yuan”) input by the user through the digital keyboard 646. The remark input box 644 can be used to display the payment remark information input by the user. The digital keyboard 646 can be used to receive the payment amount input by the user.

[0148] After the electronic device 100 receives the payment amount input by the user in the input box 643, the electronic device 100 can receive the input (e.g., a single click) of the payment confirmation control 645 by the user. In response to the input, the electronic device 100 can display a payment verification page 650 as shown in FIG. 6F.

[0149] As shown in FIG. 6F, the payment verification page 650 can include an identification 651 of the target payment application, a name 652 of the target payee account (e.g., "K-Store"), a payment amount 653 (e.g., "50 yuan"), a password input box 654, and a password input keyboard 655. The password input keyboard 655 can be used to receive the user's input of the payment password in the password input box 654. Alternatively, the electronic device 100 can also obtain the user's biometric information when displaying the payment verification page 650. The biometric information can include face information, iris information, fingerprint information, palmprint information, and the like.

[0150] After the payment password input by the user is verified successfully or the biometric information input by the user is verified successfully, the electronic device 100 can send the payment information to the server of the target payment application. For example, the electronic device 100 can compare the payment password input by the user with the payment password bound to the target payee account. If they are consistent, the payment password input by the user is verified successfully. If they are not consistent, the payment password input by the user is verified unsuccessfully. For example, the electronic device 100 can compare the biometric information input by the user with the biometric information bound to the target payee account. If they are consistent, the biometric information input by the user is verified successfully. If they are not consistent, the biometric information input by the user is verified unsuccessfully. The payment information includes the identification of the target payee account, the payment amount, the payment remark information, the identification of the target payee account, and the like. Then, the server of the target payment application deducts the payment amount from the balance of the target payee account and increases the payment amount in the balance of the target payee account according to the payment information. After deducting the payment amount from the balance of the target payee account and increasing the payment amount in the balance of the target payee account, the server of the payment application can send a payment completion notification to the payment device used by the merchant. After receiving the payment completion notification, the payment device used by the merchant can send a first payment result to the electronic device 100, where the first payment result is used to indicate that the payment is successful. After receiving the first payment result, the electronic device 100 can display the payment completion page 630 shown in FIG. 6D.

[0151] In a possible implementation, after the electronic device 100 performs NFC signaling interaction with the payment device 200, the electronic device 100 can determine a target payment application from one or more payment applications on the electronic device 100 to perform payment. If a target payment account logged in by the target payment application is not set for password-free payment or the payment amount exceeds the password-free payment limit, the electronic device 100 can display the payment verification page 650 as shown in FIG. 6F after obtaining the payment information sent by the payment device 200 through short-distance communication technology. If the target payment account logged in by the target payment application is set for password-free payment and the payment amount does not exceed the password-free payment limit, the electronic device 100 can send payment information to a server of the target payment application. The server of the target payment application deducts the payment amount from the balance of the target payment account and adds the payment amount to the balance of the target payment account according to the payment information. After deducting the payment amount from the balance of the target payment account and adding the payment amount to the balance of the target payment account, the server of the payment application can send a payment completion notification to the electronic device 100 and send a payment completion notification to the payment device used by the merchant. After receiving the payment completion notification, the electronic device 100 can display the payment completion page 630 as shown in FIG. 6D.

[0152] In some embodiments, the electronic device 100 can approach the payment device 200 when the screen is off, the screen is locked, or the desktop is displayed, and the like, so as to enter the radio frequency field of the payment device 200. The payment device 200 can perform NFC interaction with the electronic device 100, and select a target payment application. The electronic device 100 can use the target payment application to complete payment with the payment device 200 through short-distance communication technology (for example, NFC, Bluetooth, Wi-Fi, UWB, and the like). In this way, the electronic device 100 can complete payment without too much operation of the user, and the efficiency of the user using the electronic device 100 to perform payment is improved.

[0153] The process of setting a default payment application for NFC payment provided in the embodiments of the present application is described below.

[0154] FIGS. 7A-7E show a set of interface schematic diagrams of setting a default payment application for NFC payment provided in the embodiments of the present application.

[0155] For example, as shown in FIG. 7A, the electronic device 100 can be unlocked and display a desktop 510. The desktop 510 can include one or more application icons. For example, the one or more application icons can include a clock application icon, a settings application icon 511, a voice recorder application icon, a wallet application icon 512, a payment application icon 513, a dialer application icon, an information application icon, a contact application icon, and a camera application icon, and the like.

[0156] The electronic device 100 can receive a user input (e.g., a single tap) on the icon 511 of the settings application, and in response to the input, the electronic device 100 can display a settings application interface 710 as shown in FIG. 7B.

[0157] As shown in FIG. 7B, the settings application interface 710 can include one or more settings items. Among them, the one or more settings items can include a WLAN settings item, a Bluetooth settings item, a mobile network settings item, a more connection settings item 711, a desktop and wallpaper settings item, a display and brightness settings item, a sound and vibration settings item, a battery settings item, and a system settings item, etc.

[0158] The electronic device 100 can receive a user input (e.g., a single tap) on the more connection settings item 711, and in response to the input, the electronic device 100 can display a more connection interface 720 as shown in FIG. 7C.

[0159] As shown in FIG. 7C, the more connection interface 720 can include one or more connection function items. Among them, the one or more connection function items can include a multi-device collaboration item, an NFC item 721, a Huawei Share item, a wireless projection item, a print item, etc.

[0160] The electronic device 100 can receive a user input (e.g., a single tap) on the NFC item 721, and in response to the input, the electronic device 100 can display an NFC settings interface 730 as shown in FIG. 7D.

[0161] As shown in FIG. 7D, the NFC settings interface 730 can include an NFC switch control 731 and a default payment application settings item 732. The NFC switch control 731 can be used to turn on or turn off the NFC function. The default payment application settings item 732 can be used to display a default payment application settings interface 740 as shown in FIG. 7E.

[0162] As shown in FIG. 7E, the default payment application settings interface 740 can include one or more payment application selection controls, wherein the one or more payment application selection controls include a payment application A1 selection control 741, a payment application A2 selection control, a payment application A3 selection control, a payment application A4 selection control, a payment application A5 selection control, and a payment application A6 selection control. The electronic device 100 can receive a user input (e.g., a single tap) on the payment application A1 selection control 741, and in response to the input, the electronic device 100 can set the payment application A1 as the default payment application.

[0163] The flow of a payment method provided in the embodiments of the present application is described below.

[0164] FIG. 8 shows a flow diagram of a payment method according to an embodiment of the present application.

[0165] As shown in FIG. 8, the payment method can be applied to an NFC system including an electronic device 100 and a payment device 200. The payment device 200 can switch between a PCD mode and a PICC mode. The NFC module of the payment device 200 can support both the PCD mode and the PICC mode, and the NFC module of the payment device 200 can switch between the PCD mode and the PICC mode. In one possible implementation, the NFC module of the payment device 200 can work in the PCD mode. The payment device 200 can further include an NFC tag device, and the NFC tag device can work in the PICC mode. The NFC tag device can be attached to an outer surface or an inner surface of a card swiping area of the payment device 200. The NFC tag device can be connected to the processor of the payment device 200 or not connected to the processor of the payment device 200. In the embodiments of the present application, the payment device 200 in the PICC mode can mean that the NFC module of the payment device 200 is switched to the PICC mode or the NFC tag device attached to the payment device 200 is in the PICC mode.

[0166] The electronic device 100 can be in the PICC mode by default after the NFC function is turned on, in order to save power consumption when the electronic device 100 is in an unlocked state. When the electronic device 100 is in an unlocked state, the electronic device 100 can switch between the PICC mode and the PCD mode. The payment method can include the following steps.

[0167] S801. The payment device 200 can be in the PCD mode.

[0168] S802. The electronic device 100 can be in the PICC mode when the electronic device 100 is in an unlocked state.

[0169] The unlocked state includes any one of a screen-off state and a screen-on and screen-locked state. The electronic device 100 can completely turn off the display screen in the screen-off state, or display content on a part of the display screen by using an always-on display (AOD) technology.

[0170] S803. The electronic device 100 enters the radio frequency field of the payment device 200.

[0171] Wherein, the user can hold the electronic device 100, actively approach the card swiping area of the payment device 200 with the position of the NFC antenna on the electronic device 100, so as to make the electronic device 100 enter the radio frequency field of the payment device 200. Or, the user can actively hold the payment device 200, approach the card swiping area of the payment device 200 to the position of the NFC antenna on the electronic device 100, so as to make the electronic device 100 enter the radio frequency field of the payment device 200.

[0172] S804. The payment device 200 sends a first card search request to the electronic device 100.

[0173] Wherein, the payment device 200 can periodically send the first card search request when in the PCD mode. The first card search request can be used to indicate that the payment device 200 supports the first NFC protocol. Since there can be multiple NFC protocols, if the payment device 200 supports the A class NFC protocol, the first card search request can be the A class request command (request command type A, REQA). If the payment device 200 supports the B class NFC protocol, the first card search request can be the B class request command (request command type B, REQB). If the payment device 200 supports the F class NFC protocol, the first card search request can be the extended probe request (SENSF_REQ). If the payment device 200 supports other class NFC protocol, the first card search request can be the card search request in the other class NFC protocol, for example, the probe frame.

[0174] S805. The electronic device 100 sends a first card search response to the payment device 200 after receiving the first card search request frame.

[0175] The first card search response can be used to indicate that the electronic device 100 supports the first NFC protocol supported by the payment device 200. If the electronic device 100 does not support the first NFC protocol indicated by the first card search request, the electronic device 100 can not send the first card search response to the payment device 200.

[0176] If the first NFC protocol supported by the payment device 200 is the A class NFC protocol, the first card search request can be the REQA, and if the electronic device 100 also supports the A class NFC protocol, the first card search response can be the answer to the request type A (answer to request type A, ATQA).

[0177] If the first NFC protocol supported by the payment device 200 is a type B NFC protocol, the first card search request can be a REQB, and if the electronic device 100 also supports the type B NFC protocol, the first card search answer can be a type B answer to request (answer to request type B, ATQB).

[0178] If the first NFC protocol supported by the payment device 200 is a type F NFC protocol, the first card search request can be a sense request command (SENS REQ), and if the electronic device 100 also supports the type F NFC protocol, the first card search answer can be a sense response (SENS F_RES).

[0179] If the first NFC protocol supported by the payment device 200 is the NFC protocol shown in FIG. 4, the first card search request can be a Probe frame. If the electronic device 100 also supports the NFC protocol shown in FIG. 4, the first card search answer sent by the electronic device 100 can be a Probe ACK frame.

[0180] S806. The payment device 200 sends an NFC anticollision (NFC Anticollision) command A to the electronic device 100.

[0181] S807. The electronic device 100 sends an NFC anticollision response (NFC Anticollision Response) B to the payment device 200.

[0182] Wherein, since there can be multiple NFC devices in PICC mode (including multiple entity tag cards or devices emulating as PICC) in the radio frequency field of the payment device 200 at the same time, if multiple NFC devices in PICC mode all perform NFC interaction with the payment device 200, the NFC commands or NFC responses sent by the multiple NFC devices in PICC mode will collide, resulting in that the payment device 200 cannot correctly parse the NFC commands or NFC responses. Therefore, the payment device 200 can only perform NFC interaction with one NFC device. Therefore, the payment device 200 can select one NFC device to perform NFC interaction with the payment device 200 by sending an NFC anti-collision command A. The NFC anti-collision command A can be used to select a target NFC device to perform NFC interaction with the payment device 200. After receiving the NFC anti-collision command A, multiple NFC devices will all send an NFC anti-collision response to the payment device 200. The NFC anti-collision response sent by an NFC device carries the feedback result of the NFC anti-collision command A by the NFC device. For example, after receiving the NFC anti-collision command A, the electronic device 100 can send an NFC anti-collision response B, wherein the NFC anti-collision response B can be used to carry the feedback result of the NFC anti-collision command A by the electronic device 100.

[0183] After receiving one or more NFC anti-collision responses, the payment device 200 can determine to perform NFC interaction with the electronic device 100 based on the feedback result carried in the one or more NFC anti-collision responses.

[0184] In a possible implementation, the above-mentioned S806 and the above-mentioned step S807 are optional. When the payment device 200 receives only the first card search response replied by the electronic device 100 but does not receive a card search response replied by other NFC devices in PICC mode after sending the first card search request, the payment device 200 and the electronic device 100 can not perform the above-mentioned steps S806 and S807.

[0185] S808. The payment device 200 sends an open polling command (Open Polling Command) to the electronic device 100.

[0186] Wherein, the open polling command is used to request the electronic device 100 to switch to PCD mode.

[0187] S809. The electronic device 100 sends an open polling response (Open Polling Response) to the payment device 200.

[0188] Wherein, the open polling response is used to indicate that the electronic device 100 has received the open polling command.

[0189] S810. The electronic device 100 switches to the PCD mode after sending the open poll response.

[0190] S811. The payment device 200 switches to the PICC mode after receiving the open poll response.

[0191] Wherein, the NFC module of the payment device 200 can support both the PCD mode and the PICC mode, and the NFC module of the payment device 200 can switch between the PCD mode and the PICC mode. The payment device 200 switches to the PICC mode after receiving the open poll response.

[0192] Optionally, the NFC module of the payment device 200 always works in the PCD mode. The payment device 200 can further comprise an NFC tag device, and the NFC tag device can work in the PICC mode. When the electronic device 100 switches to the PCD mode, a radio frequency field can be generated. When the NFC tag device on the payment device 200 enters the radio frequency field of the electronic device 100, the NFC tag device can complete the following steps S812 to S822 with the electronic device 100.

[0193] S812. The payment device 200 enters the radio frequency field of the electronic device 100.

[0194] Since the user has made the position of the NFC antenna on the electronic device 100 close to the card swiping area of the payment device 200 in the above step S803, after the electronic device 100 switches to the PCD mode and the payment device 200 switches to the PICC mode, the payment device 200 is already in the radio frequency field of the electronic device 100.

[0195] S813. The electronic device 100 sends a second card search request to the payment device 200.

[0196] Wherein, the electronic device 100 can periodically send the second card search request when in the PCD mode. The second card search request can be used to indicate that the electronic device 100 supports the second NFC protocol. Since there can be multiple NFC protocols, if the second NFC protocol supported by the electronic device 100 is a class A NFC protocol, the second card search request can be a class A request command (REQA). If the second NFC protocol supported by the electronic device 100 is a class B NFC protocol, the second card search request can be a class B request command (REQB). If the second NFC protocol supported by the electronic device 100 is a class F NFC protocol, the second card search request can be an extended probe request (SENSF_REQ). If the second NFC protocol supported by the electronic device 100 is other class NFC protocol, the second card search request can be a card search request in the other class NFC protocol, for example, the Probe frame in the above NFC protocol shown in FIG. 4.

[0197] S814. After receiving the second card search request frame, the payment device 200 sends a second card search response to the electronic device 100.

[0198] The second card search response can be used to indicate that the payment device 200 supports the second NFC protocol supported by the electronic device 100. If the payment device 200 does not support the second NFC protocol indicated by the second card search request, the electronic device 100 can not send a second card search response to the payment device 200.

[0199] If the second NFC protocol supported by the electronic device 100 is a class A NFC protocol, the second card search request can be a REQA, and if the payment device 200 also supports the class A NFC protocol, the second card search response can be an answer to request type A (ATQA).

[0200] If the second NFC protocol supported by the electronic device 100 is a class B NFC protocol, the second card search request can be a REQB, and if the payment device 200 also supports the class B NFC protocol, the second card search response can be an answer to request type B (ATQB).

[0201] If the second NFC protocol supported by the electronic device 100 is a class F NFC protocol, the second card search request can be an extended probe request (SENSF_REQ), and if the payment device 200 also supports the class F NFC protocol, the second card search response can be an extended probe response (SENSF_RES).

[0202] If the second NFC protocol supported by the electronic device 100 is the NFC protocol shown in FIG. 4, the second card search request can be a Probe frame. If the payment device 200 also supports the NFC protocol shown in FIG. 4, the second card search response can be a Probe ACK frame.

[0203] The second NFC protocol can be the same as or different from the first NFC protocol, and the embodiments of the present application are not limited in this regard.

[0204] S815. The electronic device 100 sends an NFC anticollision command C to the payment device 200.

[0205] S816. The payment device 200 sends an NFC anticollision response D to the electronic device 100.

[0206] In the radio frequency field of the electronic device 100, multiple NFC devices in the PICC mode (including multiple entity tag cards or devices emulating as PICC) can exist simultaneously. If multiple NFC devices in the PICC mode all interact with the electronic device 100, the NFC commands or NFC responses sent by the multiple NFC devices in the PICC mode can collide, causing the electronic device 100 to fail to correctly parse the NFC commands or NFC responses. Therefore, the electronic device 100 can only interact with one NFC device. Therefore, the electronic device 100 can send an NFC anti-collision command C to select one NFC device to interact with the electronic device 100. The NFC anti-collision command C can be used to select one NFC device to interact with the electronic device 100. After receiving the NFC anti-collision command C, multiple NFC devices all send an NFC anti-collision response to the electronic device 100. The NFC anti-collision response sent by the NFC device carries the feedback result of the NFC anti-collision command C. For example, after receiving the NFC anti-collision command C, the payment device 200 can send an NFC anti-collision response D, where the NFC anti-collision response D can be used to carry the feedback result of the NFC anti-collision command D.

[0207] After receiving one or more NFC anti-collision responses, the electronic device 100 can determine to interact with the payment device 200 based on the feedback result carried in the one or more NFC anti-collision responses.

[0208] In a possible implementation, the above S815 and the above S816 are optional. When the electronic device 100 receives only the second card search response returned by the payment device 200 and does not receive a card search response returned by another NFC device in the PICC mode after sending the second card search request, the electronic device 100 and the payment device 200 can not perform the above S815 and S816.

[0209] S817. The electronic device 100 sends a read tag command (Read Tag Command) to the payment device 200.

[0210] The read tag command is used to request to obtain the NFC tag data of the payment device 200 in the PICC mode. The NFC tag data of the payment device 200 includes the identification of one or more payment applications supported by the payment device 200 in the NFC tag data.

[0211] S818. After receiving the read tag command, the payment device 200 sends a read tag response to the electronic device 100. The read tag response carries the identification of one or more payment applications supported by the payment device 200 for payment.

[0212] The one or more payment applications include a target payment application.

[0213] In a possible implementation, the read tag response can carry the payment account information of the one or more payment applications in addition to the identification of the one or more payment applications. The payment account of the merchant in different payment applications is different, and therefore the payment account information corresponding to different payment applications is different. The payment account information can include any one or more of the name of the payment account, the avatar of the payment account, the introduction information of the payment account, and the identification of the payment account. In this way, the electronic device 100 can quickly display the payment account information of the merchant in the target payment application on the payment page when starting the target payment application.

[0214] S819. The electronic device 100 determines the target payment application from the one or more payment applications supported by the payment device 200 for payment based on the identification of the one or more payment applications supported by the payment device 200 for payment, and starts the target payment application.

[0215] 1. In a case where the read tag response carries the identification of one payment application supported by the payment device 200 for payment:

[0216] 1.1. If the identification of the payment application carried in the read tag response is the identification of the target payment application installed on the electronic device 100, the electronic device 100 can start the target payment application for payment.

[0217] For example, the read tag response carries the identification of the payment application A1, and the electronic device 100 installs the payment application A1, and therefore the electronic device 100 can start the payment application A1.

[0218] 1.2. If the target payment application is not included in the applications installed on the electronic device 100, the electronic device 100 does not perform the subsequent step S820. Optionally, the electronic device 100 can output an installation prompt for prompting the user to install the target payment application on the electronic device 100 for payment.

[0219] For example, the read tag response carries the identification of the payment application A1, and the electronic device 100 does not install the payment application A1, and therefore the electronic device 100 does not perform the subsequent step S820.

[0220] 2. In the case that the read tag response carries the identification of the plurality of payment applications supported by the payment device 200 for payment:

[0221] 2.1. If only the target payment application among the plurality of payment applications supported by the payment device 200 for payment is installed on the electronic device 100. The electronic device 100 can start the target payment application for payment.

[0222] For example, the read tag response carries the identification of the payment application Al and the identification of the payment application A2, and the electronic device 100 installs the payment application Al but does not install the payment application A2. Therefore, the electronic device 100 can start the payment application Al for payment.

[0223] 2.2. If a plurality of candidate payment applications among the plurality of payment applications supported by the payment device 200 for payment are installed on the electronic device 100. The electronic device 100 can determine whether the plurality of candidate payment applications include the default payment application set by the user. If the plurality of candidate payment applications include the default payment application set by the user, the electronic device 100 can take the default payment application as the target payment application and start the target payment application for payment. If the plurality of candidate payment applications do not include the default payment application set by the user, the electronic device 100 can randomly select one of the plurality of candidate payment applications as the target payment application and start the target payment application for payment.

[0224] For example, the read tag response carries the identification of the payment application Al and the identification of the payment application A2, and the electronic device 100 installs the payment application Al and the payment application A2. Among them, the default payment application set by the user is the payment application Al, and the electronic device 100 can start the payment application Al for payment.

[0225] For another example, the read tag response carries the identification of the payment application Al and the identification of the payment application A2, and the electronic device 100 installs the payment application Al, the payment application A2 and the payment application A3. Among them, the default payment application set by the user is the payment application A3, and the electronic device 100 can start the payment application Al or the payment application A2 for payment.

[0226] Optionally, if the plurality of candidate payment applications do not include the default payment application set by the user, the electronic device 100 can select the candidate payment application used by the user last time for payment as the target payment application from the plurality of candidate payment applications and start the target payment application for payment. Optionally, if the plurality of candidate payment applications do not include the default payment application set by the user, the electronic device 100 can select the candidate payment application used by the user most frequently in a specified time period as the target payment application from the plurality of candidate payment applications and start the target payment application for payment.

[0227] In the embodiments of the present application, the process in which the user sets the default payment application on the electronic device 100 can refer to the embodiments shown in FIGS. 7A-7E described above, and will not be described here again.

[0228] In a possible implementation, after starting the target payment application, the electronic device 100 can display the payment in progress page 620 as shown in FIG. 6C described above. For the description of the payment in progress page 620, reference can be made to the embodiment shown in FIG. 6C described above, and will not be described here again.

[0229] S820. The electronic device 100 sends a first payment command (Pay Command) to the payee device 200 through short-distance communication technology. The first payment command carries the identification of the target payment application and the identification of the target payment account.

[0230] The different payment applications on the electronic device 100 correspond to different payment accounts. Therefore, after the electronic device 100 determines the target payment application, the identification of the target payment account corresponding to the target payment application can be obtained from the target payment application.

[0231] Optionally, in addition to carrying the identification of the target payment application and the identification of the target payment account, the first payment command can also carry one or more of the payment amount and the payment remark information.

[0232] The short-distance communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, and UWB.

[0233] S821. The payee device 200 sends the payee information to the server of the target payment application to perform a payee process.

[0234] The payee process can include any one of a payee process 1 and a payee process 2.

[0235] The first payment command can carry the identification of the target payment application and the identification of the target payment account. The payment device 200 can receive the payment amount input by the merchant before sending the payment information to the server of the target payment application, or the payment device 200 can determine the payment amount according to the price information of the goods purchased by the user. After receiving the first payment command sent by the electronic device 100 through short distance communication technology, the payment device 200 can obtain the identification of the target payment application and the identification of the target payment account from the first payment command. The payment device 200 can select to send the payment information to the server of the target payment application based on the identification of the target payment application. The payment information can include the payment amount, the identification of the target payment account, and the identification of the target payment account. The server of the target payment application deducts the payment amount from the balance of the target payment account and increases the payment amount in the balance of the target payment account based on the payment information. After deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment account, the server of the target payment application can send a payment completion notification to the payment device 200 used by the merchant. After receiving the payment completion notification, the payment device 200 can output a payment completion prompt for prompting the merchant that the payment amount has been successfully collected. The payment completion prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, or a light prompt, etc. In this way, the user does not need to input the payment amount and the payment password on the electronic device 100, and can complete the payment through one-touch payment of the payment device 200 with the help of NFC, saving the user's operation.

[0236] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the payment device 200 used by the merchant can send a payment failure notification to the merchant. After receiving the payment failure notification, the payment device 200 can output a payment failure prompt. The payment failure prompt can be used to prompt the merchant that the payment has failed. The payment failure prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, or a light prompt, etc.

[0237] The payment process 2: After the electronic device 100 starts the target payment application, the electronic device 100 can display the payment page 640 as shown in FIG. 6E. The electronic device 100 receives the payment amount and the like input by the user in the payment page 640. Therefore, the electronic device 100 can carry the identification of the target payment application, the identification of the target payment account, and the payment amount and the like in the first payment command. After the payment device 200 receives the first payment command sent by the electronic device 100 through the short distance communication technology, the payment device 200 can obtain the identification of the target payment application, the identification of the target payment account, and the payment amount and the like from the first payment command. The payment device 200 can select to send the payment information to the server of the target payment application based on the identification of the target payment application. The payment information can include the payment amount, the identification of the target payment account, and the identification of the target payment account, and the like. The server of the target payment application deducts the payment amount from the balance of the target payment account and increases the payment amount in the balance of the target payment account based on the payment information. After the server of the target payment application deducts the payment amount from the balance of the target payment account and increases the payment amount in the balance of the target payment account, the server of the target payment application can send a payment completion notification to the payment device 200 used by the merchant. After the payment device 200 receives the payment completion notification, the payment device 200 can output a payment completion prompt for prompting the merchant that the payment amount has been successfully collected. The payment completion prompt can be a text prompt, an audio prompt, an image prompt, or a mechanical vibration prompt or an indicator light prompt, and the like. In this way, the user can touch the payment device 200 with the electronic device 100, start the payment page of the target payment application through NFC, receive the payment amount input by the user, and complete the payment, saving the user's operation.

[0238] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the server of the target payment application can send a payment failure notification to the payment device 200 used by the merchant. After the payment device 200 receives the payment failure notification, the payment device 200 can output a payment failure prompt. The payment failure prompt can be used to prompt the merchant that the payment has failed. The payment failure prompt can be a text prompt, an audio prompt, an image prompt, or a mechanical vibration prompt or an indicator light prompt, and the like.

[0239] In a possible implementation, after receiving the payment information, the server of the target payment application can first send a deduction notification to the electronic device 100. After receiving the deduction notification, the electronic device 100 can display a payment verification page. For example, the payment verification page can be as shown in the payment verification page 650 in FIG. 6F, which is not described herein again. When displaying the payment verification page, the electronic device 100 can perform identity verification on the user by using identity information of the target payment account logged in the target payment application. The identity verification can include any one or more of verifying a payment password and verifying biometric information. The biometric information can include face information, iris information, fingerprint information, palmprint information, and the like. For details about the identity verification process, refer to the embodiment shown in FIG. 6F, which is not described herein again. After successfully performing identity verification on the user, the electronic device 100 can send a verification success notification to the server of the target payment application. After receiving the verification success notification, the server of the target payment application can deduct the payment amount from the balance of the target payment account and add the payment amount to the balance of the target payment account. In this way, the user can touch the electronic device 100 to the payment device 200, and the target payment application can be started by using NFC to perform identity verification on the user, so as to complete the payment, thereby improving the security of the payment.

[0240] In a possible implementation, when displaying the payment verification page 650, the electronic device 100 can receive a password input by the user and / or collect identity information of the user. The electronic device 100 can send the payment password input by the user and / or the collected identity information of the user to the server of the target payment application. After receiving the payment password input by the user and / or the collected identity information of the user, the server of the target payment application can determine whether the payment password input by the user is consistent with a payment password preset by the user, and / or verify whether the collected identity information of the user is consistent with identity information of the user that has been recorded. If the payment password input by the user is consistent with the payment password preset by the user, and / or the collected identity information of the user is consistent with the identity information of the user that has been recorded, the server of the target payment application can deduct the payment amount from the balance of the target payment account and add the payment amount to the balance of the target payment account.

[0241] S822. The payment device 200 sends a first payment response (Pay Response) to the payment device 200 by using short-distance communication technology. The first payment response can be used to carry a payment result.

[0242] If the payment device 200 receives the payment completion notification sent by the server of the target application, the first payment response (Pay Response) can be sent to the payment device 200 through the short-distance communication technology, and the first payment result is carried in the first payment response, which is used to indicate the success of the payment. After receiving the first payment response carrying the first payment result, the electronic device 100 can output a payment completion prompt, which can be used to prompt the success of the payment. For example, the electronic device 100 can display the payment completion page 630 as shown in FIG. 6D, and the specific description of the payment completion page 630 can refer to the above-mentioned embodiment shown in FIG. 6D, which will not be repeated here.

[0243] If the payment device 200 receives the payment failure notification sent by the server of the target application, the first payment response (Pay Response) can be sent to the electronic device 100 through the short-distance communication technology, and the second payment result is carried in the first payment response, which is used to indicate the failure of the payment. After receiving the first payment response carrying the first payment result, the electronic device 100 can output a payment failure prompt, which can be used to prompt the failure of the payment.

[0244] In a possible implementation, after deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment account, the server of the target payment application can send the payment completion notification to the payment device 200 used by the merchant and send the payment completion notification to the electronic device 100. After receiving the payment completion notification sent by the server of the target payment application, the electronic device 100 can output a payment completion prompt, which can be used to prompt the success of the payment. For example, the electronic device 100 can display the payment completion page 630 as shown in FIG. 6D, and the specific description of the payment completion page 630 can refer to the above-mentioned embodiment shown in FIG. 6D, which will not be repeated here. When the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the payment failure notification can be sent to the payment device 200 used by the merchant and the payment failure notification can be sent to the electronic device 100. After receiving the payment failure notification sent by the server of the target payment application, the electronic device 100 can output a payment failure prompt, which can be used to prompt the failure of the payment.

[0245] In the embodiment of the present application, if the short-distance communication technology is NFC, the electronic device 100 can keep close to the payment device 200 to ensure the transmission of the first payment command and the first payment response through NFC.

[0246] If the short distance communication technology is any one or more of Bluetooth, Wi-Fi, UWB, etc., the user can hold the electronic device 100 away from the payment device 200 after the electronic device 100 starts the target payment application and displays the payment page. In this way, the user does not need to keep the electronic device 100 close to the payment device 200, and when the user needs to input identity information on the electronic device 100, the user can hold the electronic device 100 close to the user, thereby improving the security of the user payment.

[0247] In a possible implementation, if the short distance communication technology is any one or more of Bluetooth, Wi-Fi, UWB, etc., the reading tag response can carry connection establishment information in addition to the identification of the one or more payment applications. The connection establishment information can be used to establish a Bluetooth, Wi-Fi, UWB, etc., wireless connection that is not NFC between the electronic device 100 and the payment device 200. The electronic device 100 can send the first payment command to the payment device 200 through the wireless connection that is not NFC, and the payment device 200 can send the first payment response to the electronic device 100 through the wireless connection that is not NFC.

[0248] In the embodiments of the present application, the steps S820 to S822 are optional.

[0249] In some embodiments, the steps S820 to S822 can not be performed, and the electronic device 100 can send the payment information to the server of the target payment application after the step S819. The payment information includes the payment amount, the identification of the target payment account, and the identification of the target payment account.

[0250] The server of the target payment application can deduct the payment amount from the balance of the target payment account and add the payment amount to the balance of the target payment account based on the payment information. After deducting the payment amount from the balance of the target payment account and adding the payment amount to the balance of the target payment account, the server of the target payment application can send a payment completion notification to the electronic device 100. After receiving the payment completion notification, the electronic device 100 can display a payment completion page (for example, the payment completion page 630 shown in FIG. 6D). After deducting the payment amount from the balance of the target payment account and adding the payment amount to the balance of the target payment account, the server of the target payment application can also send a payment completion notification to the payment device 200. After receiving the payment completion notification, the payment device 200 can output a payment success prompt, which can be used to prompt the merchant that the payment is successful.

[0251] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the payer device 100 can be sent a payment failure notification, and the payee device 200 can be sent a payee failure notification. After receiving the payment failure notification, the payer device 100 can display a payment failure page. The payment failure page includes a payment failure prompt for prompting the user that the payment has failed. After receiving the payee failure notification, the payee device 200 can output a payee failure prompt for prompting the merchant that the payee has failed.

[0252] The identifier of the target payment account obtained by the electronic device 100 can be implemented in the following manner:

[0253] In a possible implementation, the payment amount can be determined by the payee device 200, and the payee device 200 can send the payment amount to the electronic device 100. Before step S818, the payee device 200 can receive the payment amount input by the merchant, or the payee device 200 can determine the payment amount according to the price information of the goods purchased by the user. After determining the target payment application from the one or more payment applications supported by the payee device 200, the electronic device 100 can send the identifier of the target payment application to the payee device 200 through NFC. After receiving the identifier of the target payment application, the payee device 200 can send the identifier of the target payment account of the merchant in the target payment application and the payment amount to the electronic device 100 through NFC. After receiving the payment amount and the identifier of the target payment account, the electronic device 100 can send payment information to the server of the target payment application, thereby completing the payment.

[0254] In a possible implementation, the payment amount can be determined by the payment device 200, and the payment device 200 can send the payment amount to the electronic device 100. In this case, the payment device 200 can receive the payment amount input by the merchant before step S818, or the payment device 200 can determine the payment amount according to the price information of the goods purchased by the user. In addition to carrying the identification of one or more payment applications supported by the payment device 200 in the read tag response of step S818, the read tag response can also carry the identification of the payment account of the merchant in the one or more payment applications and the payment amount. The one or more payment applications include the target payment application, and the payment account of the merchant in the target payment application is the target payment account. After receiving the read tag response, the electronic device 100 can first determine the target payment application from the one or more payment applications, and then determine the identification of the target payment account from the identification of the payment account of the merchant in the one or more payment applications. After determining the identification of the target payment account, the electronic device 100 can send the payment information to the server of the target payment application, so as to complete the payment.

[0255] In a possible implementation, the payment amount can be determined by the electronic device 100, and therefore, the electronic device 100 can not need to receive the payment amount sent by the payment device 200. After starting the target payment application, the electronic device 100 can display the payment page 640 as shown in FIG. 6E. The electronic device 100 receives the payment amount input by the user in the payment page 640. After obtaining the identification of the target payment account, the payment amount, and the identification of the target payment account, the electronic device 100 can send the payment information to the server of the target payment application, so as to complete the payment.

[0256] In a possible implementation, before the electronic device 100 sends the payment information to the server of the target payment application, the electronic device 100 can display the payment verification page 650 as shown in FIG. 6F. When displaying the payment verification page 650, the electronic device 100 can perform identity verification on the user by identity information of the target payment account logged in the target payment application. The identity verification can include any one or more of verifying a payment password, verifying biometric information, and the like. The biometric information can include face information, iris information, fingerprint information, palmprint information, and the like. For details about the identity verification process, refer to the embodiment of FIG. 6F, which will not be repeated here. After the identity verification on the user is successful, the electronic device 100 can send the payment information to the server of the target payment application. After receiving the payment information, the server of the target payment application can deduct the payment amount from the balance of the target payment account, and add the payment amount to the balance of the target payment account. In this way, the user can touch the electronic device 100 to the payment device 200, and start the target payment application to perform identity verification on the user by NFC, to complete the payment, thereby improving the security of the payment.

[0257] By the payment method provided in the embodiments of the present application, when the electronic device 100 is close to the payment device 200 in the unlocked state, the electronic device 100 can select the target payment application by NFC interaction. The electronic device 100 can complete the payment with the payment device 200 by using the target payment application. In this way, the electronic device 100 can complete the payment without too much operation of the user, thereby improving the efficiency of the user in using the electronic device 100 to make payment.

[0258] The flow of the payment method provided in the embodiments of the present application will be described below.

[0259] FIG. 9 shows a flow diagram of a payment method provided in the embodiments of the present application.

[0260] As shown in FIG. 9, the payment method can be applied to an NFC system including the electronic device 100 and the payment device 200. The payment device 200 can be in the PICC mode. The electronic device 100 can switch between the PICC mode and the PCD mode when the NFC function is turned on and the electronic device 100 is in the unlocked state. The payment method can include the following steps.

[0261] S901. The payment device 200 can be in the PICC mode.

[0262] In a possible implementation, the NFC module of the payment device 200 can support both the PCD mode and the PICC mode, and the NFC module of the payment device 200 can switch between the PCD mode and the PICC mode.

[0263] In a possible implementation, the NFC module of the payment device 200 can only work in the PICC mode.

[0264] In a possible implementation, the NFC module of the payment device 200 can work in the PCD mode. The payment device 200 can further include an NFC tag device, which can work in the PICC mode. The NFC tag device can be attached to the outer surface or the inner surface of the card swiping area of the payment device 200. The NFC tag device can be connected to the processor of the payment device 200 or not connected to the processor of the payment device 200.

[0265] In the embodiments of the present application, the payment device 200 in the PICC mode can mean that the NFC module of the payment device 200 is switched to the PICC mode or the NFC tag device attached to the payment device 200 is in the PICC mode.

[0266] S902. The electronic device 100 can be in the PCD mode in the unlocked state.

[0267] S903. The payment device 200 enters the radio frequency field of the electronic device 100.

[0268] The user can hold the electronic device 100 and actively approach the card swiping area of the payment device 200 to the position where the NFC antenna of the electronic device 100 is located, so that the payment device 200 enters the radio frequency field of the electronic device 100. Alternatively, the user can actively hold the payment device 200 and approach the card swiping area of the payment device 200 to the position where the NFC antenna of the electronic device 100 is located, so that the payment device 200 enters the radio frequency field of the electronic device 100.

[0269] S904. The electronic device 100 sends a second card search request to the payment device 200.

[0270] S905. After receiving the second card search request frame, the payment device 200 sends a second card search response to the electronic device 100.

[0271] S906. The electronic device 100 sends an NFC anticollision command C to the payment device 200.

[0272] S907. The payment device 200 sends an NFC anticollision response D to the electronic device 100.

[0273] S908. The electronic device 100 sends a read tag command to the payment device 200.

[0274] S909. The payment device 200 sends a Read Tag Response to the electronic device 100. The Read Tag Response carries an identification of one or more payment applications supported by the payment device 200.

[0275] S910. The electronic device 100 determines a target payment application from the one or more payment applications supported by the payment device 200 based on the identification of the one or more payment applications supported by the payment device 200, and starts the target payment application.

[0276] S911. The electronic device 100 sends a first Pay Command to the payment device 200 through a short-distance communication technology. The first Pay Command carries an identification of the target payment application, an identification of a target payment account, and the like.

[0277] S912. The payment device 200 sends payment information to a server of the target payment application, and performs a payment process.

[0278] S913. The payment device 200 sends a first Pay Response to the electronic device 100 through the short-distance communication technology. The first Pay Response carries a payment result.

[0279] The specific content of the steps S904 to S913 can refer to the steps S813 to S822 in the embodiment shown in FIG. 8, and will not be described here again.

[0280] According to the payment method provided in the embodiment, when the electronic device 100 is close to the payment device 200 in the unlocked state, the electronic device 100 can select a target payment application through NFC interaction. The electronic device 100 can complete payment with the payment device 200 using the target payment application. In this way, the electronic device 100 can complete payment without too much operation of the user, and the efficiency of the user using the electronic device 100 to make payment is improved.

[0281] The flow of a payment method provided in the embodiment will be introduced below.

[0282] FIG. 10A shows a flow diagram of a payment method provided in the embodiment.

[0283] As shown in FIG. 10A, the payment method can be applied to an NFC system including an electronic device 100 and a payment device 200. The payment device 200 can be in a PCD mode. The electronic device 100 can be in a PICC mode by default after the NFC function is turned on in an unlocked state to save power consumption. The electronic device 100 can switch between the PICC mode and the PCD mode in a locked state. The payment method can include the following steps:

[0284] S1001. The payment device 200 can be in a PCD mode.

[0285] S1002. The electronic device 100 can be in a PICC mode.

[0286] The electronic device 100 can be in the PICC mode in a locked state or in the PICC mode in an unlocked state.

[0287] S1003. The electronic device 100 enters the radio frequency field of the payment device 200.

[0288] S1004. The payment device 200 sends a first card search request to the electronic device 100.

[0289] S1005. The electronic device 100 sends a first card search response to the payment device 200 after receiving the first card search request frame.

[0290] S1006. The payment device 200 sends an NFC anti-collision command A to the electronic device 100.

[0291] S1007. The electronic device 100 sends an NFC anti-collision response B to the payment device 200.

[0292] The specific content of the above steps S1003 to S1007 can refer to the steps S804 to S807 in the above embodiment shown in FIG. 8, and will not be repeated here.

[0293] S1008. The payment device 200 sends a write tag command to the electronic device 100, wherein the write tag command carries the identification of one or more payment applications supported by the payment device 200 for payment.

[0294] In a possible implementation, the write tag command can carry the collection account information in addition to the identification of the one or more payment applications supported by the collection device 200 for payment. Among them, the collection account of the merchant in different payment applications is different, so the collection account information corresponding to different payment applications is different. The collection account information can include any one or more of the name of the collection account, the avatar of the collection account, the introduction information of the collection account, the identification of the collection account, etc. In this way, the electronic device 100 can quickly display the collection account information of the merchant in the target payment application on the payment page when starting the target payment application.

[0295] S1009. The electronic device 100 determines the target payment application from the one or more payment applications supported by the collection device 200 for payment based on the identification of the one or more payment applications supported by the collection device 200 for payment, and starts the target payment application.

[0296] 1. In the case where the write tag command carries the identification of one payment application supported by the collection device 200 for payment:

[0297] 1.1. If the identification of the payment application carried in the write tag command is the identification of the target payment application installed on the electronic device 100, the electronic device 100 can start the target payment application for payment.

[0298] For example, the write tag command carries the identification of the payment application A1, and the electronic device 100 installs the payment application A1, so the electronic device 100 can start the payment application A1.

[0299] 1.2. If the target payment application is not included in the application installed on the electronic device 100, the electronic device 100 does not perform the subsequent step S820. Optionally, the electronic device 100 can output an installation prompt for prompting the user to install the first payment application on the electronic device 100 for payment.

[0300] For example, the write tag command carries the identification of the payment application A1, and the electronic device 100 does not install the payment application A1, so the electronic device 100 does not perform the subsequent step S820.

[0301] 2. In the case where the write tag command carries the identification of the multiple payment applications supported by the collection device 200 for payment:

[0302] 2.1. If only the target payment application among the multiple payment applications supported by the collection device 200 for payment is installed on the electronic device 100. The electronic device 100 can start the target payment application for payment.

[0303] For example, the write tag command carries the identification of the payment application A1 and the identification of the payment application A2, and the application installed on the electronic device 100 includes the payment application A1 but does not include the payment application A2. Therefore, the electronic device 100 can start the payment application A1 to perform payment.

[0304] 2.2. If the payment device 200 supports multiple payment applications, and multiple candidate payment applications are installed on the electronic device 100, the electronic device 100 can determine whether the multiple candidate payment applications include a default payment application set by the user. If the multiple candidate payment applications include the default payment application set by the user, the electronic device 100 can take the default payment application as a target payment application, and start the target payment application to perform payment. If the multiple candidate payment applications do not include the default payment application set by the user, the electronic device 100 can randomly select one of the multiple candidate payment applications as the target payment application, and start the target payment application to perform payment.

[0305] For example, the write tag command carries the identification of the payment application A1 and the identification of the payment application A2, and the application installed on the electronic device 100 includes the payment application A1 and the payment application A2. The default payment application set by the user is the payment application A1, and the electronic device 100 can start the payment application A1 to perform payment.

[0306] For example, the write tag command carries the identification of the payment application A1 and the identification of the payment application A2, and the application installed on the electronic device 100 includes the payment application A1, the payment application A2 and the payment application A3. The default payment application set by the user is the payment application A3, and the electronic device 100 can start the payment application A1 or the payment application A2 to perform payment.

[0307] Optionally, if the multiple candidate payment applications do not include the default payment application set by the user, the electronic device 100 can select a candidate payment application used by the user in the last payment from the multiple candidate payment applications as the target payment application, and start the target payment application to perform payment. Optionally, if the multiple candidate payment applications do not include the default payment application set by the user, the electronic device 100 can select a candidate payment application used by the user most frequently in a specified time period from the multiple candidate payment applications as the target payment application, and start the target payment application to perform payment.

[0308] In the embodiments of the present application, the process in which the user sets the default payment application on the electronic device 100 can refer to the embodiments shown in FIGS. 7A-7E, which will not be described herein.

[0309] In a possible implementation, after starting the target payment application, the electronic device 100 can display the payment in progress page 620 as shown in FIG. 6C. For the description of the payment in progress page 620, refer to the above-mentioned embodiment shown in FIG. 6C, which will not be repeated here.

[0310] S1010. The electronic device 100 sends a write tag response to the payment recipient device 200. The write tag response carries the identifier of the target payment application.

[0311] The write tag response can be used to indicate that the electronic device 100 has received the write tag command.

[0312] The merchant has different payment accounts in different payment applications. Therefore, after receiving the write tag response, the payment recipient device 200 can determine the identifier of the target payment account set by the merchant in the target payment application based on the identifier of the target payment application.

[0313] S1011. After receiving the write tag response, the payment recipient device 200 sends a second payment command to the electronic device 100 through short-distance communication technology. The second payment command carries the identifier of the target payment account and the like.

[0314] Optionally, in addition to carrying the identifier of the target payment account, the second payment command can also carry one or more of the payment amount and the payment remark information.

[0315] The short-distance communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, and UWB.

[0316] S1012. The electronic device 100 sends payment information to the server of the target payment application to perform a payment process.

[0317] The payment information can include the identifier of the target payment account, the identifier of the target payment account, and the payment amount.

[0318] The payment process 1: the second payment command can carry the identification of the target payment account and the payment amount, etc. The payment device 200 can receive the payment amount input by the merchant before sending the second payment command to the electronic device 100, or the payment device 200 can determine the payment amount according to the price information of the goods purchased by the user. After obtaining the payment amount, the payment device 200 can send the second payment command to the electronic device 100 through short distance communication technology. After receiving the second payment command, the electronic device 100 can send the payment information to the server of the target payment application. The payment information can include the payment amount, the identification of the target payment account, and the identification of the target payment account, etc. The server of the target payment application deducts the payment amount from the balance of the target payment account and increases the payment amount in the balance of the target payment account based on the payment information. After deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment account, the server of the target payment application can send the payment completion notification to the electronic device 100. After receiving the payment completion notification, the electronic device 100 can display the payment completion page (for example, the payment completion page 630 shown in FIG. 6D described above). In this way, the user does not need to input the payment amount and the payment password on the electronic device 100, and can complete the payment through one-touch payment device 200 with the help of NFC, saving the user's operation.

[0319] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, it can send the payment failure notification to the electronic device 100. After receiving the payment failure notification, the electronic device 100 can display the payment failure page. The payment failure page includes a payment failure prompt, which prompts the user that the payment has failed.

[0320] Payment process 2: The second payment command can carry the identification of the target payment account, but not the payment amount. After the electronic device 100 starts the target payment application, the electronic device 100 can display the payment page 640 as shown in FIG. 6E. The electronic device 100 receives the payment amount and the like input by the user in the payment page 640. After receiving the second payment command, the electronic device 100 can send the payment information to the server of the target payment application. The payment information can include the payment amount, the identification of the target payment account, and the identification of the target payment account. Based on the payment information, the server of the target payment application deducts the payment amount from the balance of the target payment account and increases the payment amount in the balance of the target payment account. After deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment account, the server of the target payment application can send a payment completion notification to the electronic device 100. After receiving the payment completion notification, the electronic device 100 can display a payment completion page (for example, the payment completion page 630 shown in FIG. 6D). In this way, the user can touch the electronic device 100 to the payment device 200, start the payment page of the target payment application by NFC, receive the payment amount input by the user, and complete the payment, saving the user's operation.

[0321] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the server can send a payment failure notification to the electronic device 100. After receiving the payment failure notification, the electronic device 100 can display a payment failure page. The payment failure page includes a payment failure prompt for prompting the user that the payment has failed.

[0322] In a possible implementation, before sending the payment information to the server of the target payment application, the electronic device 100 can display the payment verification page 650 as shown in FIG. 6F. When displaying the payment verification page 650, the electronic device 100 can authenticate the identity of the user by the identity information of the target payment account logged in the target payment application. The identity authentication can include any one or more of verifying a payment password and verifying biometric information. The biometric information can include face information, iris information, fingerprint information, palmprint information, and the like. For details of the identity authentication process, refer to the embodiment shown in FIG. 6F, which will not be described here. After successfully authenticating the identity of the user, the electronic device 100 can send the payment information to the server of the target payment application. After receiving the payment information, the server of the target payment application can deduct the payment amount from the balance of the target payment account and increase the payment amount in the balance of the target payment account. In this way, the user can touch the electronic device 100 to the payment device 200, start the target payment application to authenticate the identity of the user by NFC, and complete the payment, improving the security of the payment.

[0323] S1013. The electronic device 100 sends a second payment response (Pay Response) to the payment receiving device 200 through the short-distance communication technology. The second payment response can be used to carry a payment result.

[0324] If the electronic device 100 receives the payment completion notification sent by the server of the target application, the electronic device 100 can send a second payment response (Pay Response) to the payment receiving device 200 through the short-distance communication technology, and carry a third payment result in the second payment response, where the third payment result is used to indicate that the payment is successful. After receiving the second payment response carrying the third payment result, the electronic device 100 can display the payment completion page 630 as shown in FIG. 6D, and the specific description of the payment completion page 630 can refer to the above-mentioned embodiment shown in FIG. 6D, and will not be repeated here.

[0325] If the electronic device 100 receives the payment failure notification sent by the server of the target application, the electronic device 100 can send a second payment response (Pay Response) to the payment receiving device 200 through the short-distance communication technology, and carry a fourth payment result in the second payment response, where the fourth payment result is used to indicate that the payment is failed. After receiving the second payment response carrying the fourth payment result, the payment receiving device 200 can output a payment failure prompt. The payment failure prompt can be used to prompt the payment failure.

[0326] In a possible implementation, after deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment receiving account, the server of the target payment application can send a payment completion notification to the payment receiving device 200 used by the merchant, and send a payment completion notification to the electronic device 100. After receiving the payment completion notification sent by the server of the target payment application, the electronic device 100 can output a payment completion prompt, which can be used to prompt the payment success. For example, the electronic device 100 can display the payment completion page 630 as shown in FIG. 6D, and the specific description of the payment completion page 630 can refer to the above-mentioned embodiment shown in FIG. 6D, and will not be repeated here. When the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment receiving account, the server of the target payment application can send a payment failure notification to the payment receiving device 200 used by the merchant, and send a payment failure notification to the electronic device 100. After receiving the payment failure notification sent by the server of the target payment application, the electronic device 100 can output a payment failure prompt, which can be used to prompt the payment failure.

[0327] In the embodiments of the present application, if the short distance communication technology is NFC, the electronic device 100 can keep close to the payment device 200 to ensure the transmission of the second payment command and the second payment response through NFC.

[0328] If the short distance communication technology is Bluetooth, Wi-Fi, UWB, etc., the user can hold the electronic device 100 away from the payment device 200 after the electronic device 100 starts the target payment application and displays the payment page or the payment page. In this way, the electronic device 100 does not need to be close to the payment device 200 all the time, and when the user needs to input identity information on the electronic device 100, the electronic device 100 can be held close to the user, thereby improving the security of the user's payment.

[0329] In a possible implementation, if the short distance communication technology is any one or more short distance communication technologies other than NFC, such as Bluetooth, Wi-Fi, UWB, etc., the write tag command can carry connection establishment information in addition to the identification of the one or more payment applications. The connection establishment information can be used to establish a Bluetooth, Wi-Fi, UWB, etc. wireless connection between the electronic device 100 and the payment device 200. The payment device 200 can send the second payment command to the electronic device 100 through the non-NFC wireless connection, and the electronic device 100 can send the second payment response to the payment device 200 through the non-NFC wireless connection.

[0330] In the embodiments of the present application, the steps S1011 to S1013 are optional.

[0331] In some embodiments, the steps S1011 to S1013 can not be performed. After determining the target payment application, the electronic device 100 can further determine the identification of the target payment account logged in by the user in the target payment application. The electronic device 100 can carry the identification of the target payment application and the identification of the target payment account in the write tag response. After receiving the write tag response, the payment device 200 can determine the identification of the target payment account of the merchant in the target payment application based on the identification of the target payment application. The payment device 200 can send the payment information to the server of the target payment application, wherein the payment information can include the identification of the target payment account, the identification of the target payment account and the payment amount.

[0332] The server of the target payment application deducts the payment amount from the balance of the target payee account and adds the payment amount to the balance of the target payee account based on the collection information. After deducting the payment amount from the balance of the target payee account and adding the payment amount to the balance of the target payee account, the server of the target payment application can send a collection completion notification to the collection device 200 used by the merchant. After receiving the collection completion notification, the collection device 200 can output a collection completion prompt for prompting the merchant that the payment amount has been successfully collected. The collection completion prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, or a light prompt, etc. In this way, the user can touch the collection device 200 with the electronic device 100 to start the payment page of the target payment application by NFC to receive the payment amount input by the user to complete the payment, saving the user's operation.

[0333] If the server of the target payment application fails to transfer the payment amount from the balance of the target payee account to the target payee account, the collection device 200 used by the merchant can send a collection failure notification to the collection device 200. After receiving the collection failure notification, the collection device 200 can output a collection failure prompt. The collection failure prompt can be used to prompt the merchant that the collection has failed. The collection failure prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, or a light prompt, etc.

[0334] The payment amount can be determined by the collection device 200. The collection device 200 can receive the payment amount input by the merchant before sending the collection information to the server of the target payment application, or the collection device 200 can determine the payment amount according to the price information of the goods purchased by the user. In this way, when the electronic device 100 is powered off, the processor on the electronic device 100 will be powered off, but the NFC module and the SE will work with the radio frequency field generated by the collection device 200. Since the electronic device 100 does not need to interact with the server of the target payment application, and the electronic device 100 also does not need to start running the target payment application through the processor, the electronic device 100 can directly use the NFC module and / or SE to determine the target payment application from one or more payment applications based on the identification of one or more payment applications supported by the collection device 200. Therefore, the electronic device 100 can still complete the payment in the powered-off state.

[0335] Alternatively, the payment amount can be determined by the electronic device 100. After starting the target payment application, the electronic device 100 can display the payment page 640 as shown in FIG. 6E. The electronic device 100 receives the payment amount input by the user in the payment page 640, etc. The electronic device 100 can send the label response carrying the identification of the target payment application, the identification of the target payee account, and the payment amount to the collection device 200 by writing.

[0336] By the payment method provided by the embodiment of the present application, the electronic device 100 can select a target payment application through NFC interaction when close to the payment device 200 in the unlocked state or the unlocked state. The electronic device 100 can complete payment with the payment device 200 using the target payment application. In this way, the electronic device 100 can complete payment without too much operation of the user, and improve the efficiency of the user using the electronic device 100 to make payment.

[0337] The flow of the payment method provided by another embodiment of the present application is introduced below.

[0338] FIG. 10B shows a flow diagram of a payment method provided by another embodiment of the present application.

[0339] As shown in FIG. 10B, the payment method can be applied to an NFC system including the electronic device 100 and the payment device 200. The payment device 200 is in the PCD mode. The electronic device 100 can be in the PICC mode. The payment method can include the following steps:

[0340] S1101. The electronic device 100 enters the radio frequency field of the payment device 200.

[0341] The user can hold the electronic device 100 and actively approach the card swiping area of the payment device 200 to the position of the NFC antenna on the electronic device 100, so that the electronic device 100 enters the radio frequency field of the payment device 200. Alternatively, the user can actively hold the payment device 200 and approach the card swiping area of the payment device 200 to the position of the NFC antenna on the electronic device 100, so that the electronic device 100 enters the radio frequency field of the payment device 200.

[0342] S1102. The payment device 200 sends a first selection command to the electronic device 100 through NFC, wherein the first selection command is used to select a payment service.

[0343] The electronic device 100 can support multiple NFC services. For example, the electronic device 100 can support payment services, access control services, vehicle key services, bank card services, electronic ticket services, digital ID services, etc.

[0344] The payment device 200 can notify the electronic device 100 to perform a payment service with the payment device 200 through the first selection command.

[0345] S1103. The electronic device 100 sends a first selection response to the payment device 200 through NFC after receiving the first selection command, wherein the first selection response carries the identification of one or more payment applications supported by the electronic device 100 for payment.

[0346] Optionally, the first selection response further carries capability information of the one or more payment applications supported by the electronic device 100 for payment. The capability information can be used to indicate payment capability of the payment applications. The higher the payment capability, the more preferred the payment application is to be selected for use.

[0347] The capability information can include priority and / or preferential information. The priority is used to indicate the priority degree set by the electronic device 100 for the payment applications. The preferential information is used to indicate the preferential degree when the payment applications are used for payment. The payee device 200 can determine the target payment application based on the capability information of the one or more payment applications supported by the electronic device 100 for payment.

[0348] In an example, the identification of the one or more payment applications supported by the electronic device 100 for payment in the first selection response can be sorted according to the priority. The electronic device 100 can pre-receive and set the priority of the one or more payment applications supported by the electronic device 100 for payment in response to the input of the user. The identification of the payment application with the higher priority can be arranged in the front order in the first selection response. Optionally, the electronic device 100 can further receive the input of the user to set the one or more payment applications supported by the electronic device 100 for payment.

[0349] In an example, the first selection response can include an application list field and a capability set field. The application list field can include the identification of the one or more payment applications supported by the electronic device 100 for payment. The capability set field can include a priority field and / or a preferential information field. The priority field can include the priority of the one or more payment applications supported by the electronic device 100 for payment. The preferential information field can include the preferential information of the one or more payment applications supported by the electronic device 100 for payment.

[0350] In an example, the number of the identification of the one or more payment applications supported by the electronic device 100 for payment in the first selection response can be a preset value (e.g., 5).

[0351] For example, there can be 10 payment applications supported by the electronic device 100. The priorities of the 10 payment applications set by the user on the electronic device 100 from high to low can be payment application Al, payment application A2, payment application A3, payment application A4, payment application A5, payment application A6, payment application A7, payment application A8, payment application A9, and payment application A10 in turn. Since the amount of data that can be carried in the first selection response is limited, the electronic device 100 can select the identifiers of the top 5 payment applications in priority from the 10 payment applications to be carried in the first selection response. Therefore, the one or more payment applications supported by the electronic device 100 in the first selection response can include payment application Al, payment application A2, payment application A3, payment application A4, and payment application A5.

[0352] S1104. The payment device 200 determines a target payment application from the one or more payment applications supported by the electronic device 100 after receiving the first selection response.

[0353] The payment device 200 can determine the target payment application based on the one or more payment applications supported by the electronic device 100 and the one or more payment applications supported by the payment device 200. The target payment application is a payment application supported by both the payment device 200 and the electronic device 100.

[0354] If there is only one payment application supported by both the payment device 200 and the electronic device 100, the payment device 200 can select the only one payment application supported by both the payment device 200 and the electronic device 100 as the target payment application.

[0355] If there are multiple payment applications supported by both the payment device 200 and the electronic device 100, the payment device 200 can select one payment application from the multiple payment applications supported by both the payment device 200 and the electronic device 100 as the target payment application.

[0356] In one example, the payment device 200 can randomly select one payment application from the multiple payment applications supported by both the payment device 200 and the electronic device 100 as the target payment application.

[0357] In another example, the payment device 200 can select the target payment application from the multiple payment applications supported by both the payment device 200 and the electronic device 100 based on the one or more payment applications supported by the electronic device 100, the one or more payment applications supported by the payment device 200, and the capability information of the one or more payment applications supported by the electronic device 100.

[0358] For example, the one or more payment applications supported by the electronic device 100 for payment can include payment application A1, payment application A2, payment application A3, payment application A4 and payment application A5. The one or more payment applications supported by the payee device 200 for payment can include payment application A1, payment application A2, payment application A3, payment application B1 and payment application B2. The payment applications supported by the payee device 200 and the electronic device 100 for payment include payment application A1, payment application A2 and payment application A3. The priority of the payment application A1 is higher than that of the payment application A2, and the priority of the payment application A2 is higher than that of the payment application A3. Therefore, the target payment application can be the payment application A1.

[0359] For another example, the payment applications supported by the payee device 200 and the electronic device 100 for payment include payment application A1, payment application A2 and payment application A3. The discount strength of the payment application A2 is greater than that of the payment application A1, and the discount strength of the payment application A1 is greater than that of the payment application A3. Therefore, the payee device 200 can take the payment application A2 as the target payment application.

[0360] For another example, the payment applications supported by the payee device 200 and the electronic device 100 for payment include payment application A1, payment application A2 and payment application A3. The priority of the payment application A1 is greater than that of the payment application A2, and the priority of the payment application A2 is greater than that of the payment application A3. The discount strength of the payment application A2 is greater than that of the payment application A1, and the discount strength of the payment application A1 is greater than that of the payment application A3. The payee device 200 can take the payment application A1 as the target payment application. Alternatively, the payee device 200 can take the payment application A2 as the target payment application.

[0361] For another example, the payment applications supported by the payee device 200 and the electronic device 100 for payment include payment application A1, payment application A2 and payment application A3. The priority of the payment application A1 is greater than that of the payment application A2, and the priority of the payment application A2 is greater than that of the payment application A3. The discount strength of the payment application A1 is the same as that of the payment application A2, and the discount strength of the payment application A1 and the payment application A2 is greater than that of the payment application A3. Therefore, the payee device 200 can take the payment application A1 as the target payment application.

[0362] S1105. The payee device 200 sends a second selection command to the electronic device 100 through NFC, where the second selection command carries the identification of the target payment application.

[0363] The second selection command is used to instruct the electronic device to select the target payment application for NFC business.

[0364] S1106. After receiving the second selection command, the electronic device 100 sends a second selection response to the payment device 200 through NFC, where the second selection response is used to indicate that the electronic device 100 successfully selects the target payment application.

[0365] S1107. After receiving the second selection response, the payment device 200 sends an order command to the electronic device 100 through NFC, where the order command carries first order information.

[0366] The first order information can include an order identifier and a payment amount of the first payment order. After receiving the second selection response, the payment device 200 can send an order request to the server of the target payment application, where the order request is used to request the server of the target payment application to generate the first payment order. The order request can carry an identifier of a target payment account of the payment device 200 logged in the target payment application and the payment amount. After receiving the order request, the server of the target payment application can generate the first payment order based on the identifier of the target payment account of the payment device 200 logged in the target payment application and the payment amount. The first payment order includes the order identifier, the identifier of the target payment account, and the payment amount. The server of the target payment application can send the order identifier of the first payment order to the payment device 200.

[0367] The payment amount can be determined by the payment device 200. The payment device 200 can receive the payment amount input by the merchant, or the payment device 200 can determine the payment amount according to the price information of the goods purchased by the user.

[0368] In a possible implementation, to prevent the order information from being leaked, the payment device 200 can carry the encrypted order information in the order command. After receiving the order command, the electronic device 100 decrypts the order information.

[0369] S1108. After receiving the order command, the electronic device 100 sends an order response to the payment device 200 through NFC, where the order response is used to indicate that the electronic device 100 has received the order command.

[0370] S1109. After receiving the order response, the payment device 200 sends a transaction initialization command to the electronic device 100 through NFC, where the transaction initialization command is used to obtain a payment credential.

[0371] Different payment accounts in the target payment application correspond to different payment credentials. The server of the target payment application needs to receive the first payment credential corresponding to the target payment account before the payment amount can be deducted from the target payment account and added to the balance of the target payment account.

[0372] S1110. After receiving the transaction initialization command, the electronic device 100 determines whether the electronic device 100 is in an unlocked state.

[0373] S1111. If the electronic device 100 is in the unlocked state, the electronic device 100 sends a first transaction initialization response to the payee device 200 through NFC, where the first transaction initialization response carries a first payment credential.

[0374] The first payment credential is a payment credential corresponding to a target payment account logged in the target payment application of the electronic device 100.

[0375] The electronic device 100 can generate the first payment credential based on the target payment account logged in the target payment application of the electronic device 100.

[0376] In a possible implementation, the electronic device 100 can generate the first payment credential based on the first order information and the target payment account logged in the target payment application of the electronic device 100. In this way, different payment orders can have different payment credentials, and the security of the transaction can be improved.

[0377] In a possible implementation, to prevent the first payment credential corresponding to the target payment account from being misused, the electronic device 100 can carry the encrypted first payment credential in the first transaction initialization response. After receiving the first transaction initialization response, the payee device 200 can decrypt the first payment credential from the first transaction initialization response.

[0378] In a possible implementation, after sending the first transaction initialization response to the payee device 200 through NFC, the electronic device 100 can display a payment in progress page. The payment in progress page can refer to the payment in progress page 620 shown in FIG. 6C, which will not be described herein again.

[0379] S1112. After receiving the first transaction initialization response, the payee device 200 initiates a collection process to the server of the target payment application based on the first payment credential and the first order information.

[0380] The collection process can include: the collection device 200 sends a collection request to the server of the target payment application, the collection request can carry the first payment voucher and the first order information, the collection request is used to request the server of the target payment application to deduct the payment amount from the balance of the target payment account corresponding to the first payment screen, and increase the payment amount in the balance of the target collection account corresponding to the first order information. After receiving the first payment voucher and the first order information, the server of the target payment application can determine the payment amount and the target collection account from the first payment order according to the first order information. The server of the target payment application can verify the first payment voucher and the legality, and after successfully verifying the legality of the first payment voucher, determine the target payment account corresponding to the first payment voucher. The server of the target payment application can deduct the payment amount from the balance of the target payment account, and increase the payment amount in the balance of the target collection account. After deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target collection account, the server of the target payment application can send a collection completion notification to the collection device 200 used by the merchant. The collection completion notification is used to indicate that the collection of the first payment order has been completed.

[0381] Optionally, the collection process can also include: after receiving the collection completion notification, the collection device 200 can output a collection completion prompt, which is used to prompt the merchant that the payment amount has been successfully collected. The collection completion prompt can be a text prompt, an audio prompt, an image prompt, or a mechanical vibration prompt or an indicator light prompt, etc.

[0382] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target collection account, it can send a collection failure notification to the collection device 200. After receiving the collection failure notification, the collection device 200 can output a collection failure prompt, which is used to prompt the merchant that the collection has failed. The collection completion prompt can be a text prompt, an audio prompt, an image prompt, or a mechanical vibration prompt or an indicator light prompt, etc.

[0383] In a possible implementation, after deducting the payment amount from the balance of the target payment account and adding the payment amount to the balance in the target receiving account, the server of the target payment application can further send a payment completion notification to the electronic device 100. The payment completion notification is used to indicate that the payment of the first payment order has been completed. Optionally, if the electronic device 100 does not receive the payment completion notification and the payment failure notification sent by the server of the target payment application within a certain time, the electronic device 100 can send a first payment result acquisition request to the receiving device 200 through the first short-distance communication technology, where the first payment result acquisition request is used to request the receiving device 200 to send the payment result to the electronic device 100. If the receiving device 200 has received the payment completion notification sent by the server of the target payment application, the receiving device 200 can send the payment completion notification to the electronic device 100 through the first short-distance communication technology after receiving the first payment result acquisition request. The first short-distance communication technology can include any one or more of Bluetooth (including BLE or classic Bluetooth), Wi-Fi, UWB, and the like.

[0384] After receiving the payment completion notification, the electronic device 100 can output a payment completion prompt, which is used to prompt the user that the payment of the payment amount has been successfully completed. The payment completion prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, a light prompt, or the like. For example, after receiving the payment completion notification, the electronic device 100 can display a payment completion page (for example, the payment completion page 630 shown in FIG. 6D described above). If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target receiving account, the server can send a payment failure notification to the electronic device 100. After receiving the payment failure notification, the electronic device 100 can display a payment failure page. The payment failure page includes a payment failure prompt, which is used to prompt the user that the payment has failed.

[0385] In a possible implementation, if the receiving device 200 receives the payment completion notification, the receiving device 200 can send a first transaction result command to the electronic device 100 through the short-distance communication technology, where the first transaction result command can carry transaction success indication information, which is used to indicate that the payment of the first transaction order has been completed. After receiving the first transaction result command, the electronic device 100 can send a first transaction result response to the receiving device 200 through the short-distance communication technology, and display a payment success prompt. The first transaction result response is used to indicate that the electronic device 100 has successfully received the first transaction result command.

[0386] If the payment device 200 receives the payment failure notification, the payment device 200 can send the payment success notification to the electronic device 100 through the first communication technology. After receiving the payment success notification, the electronic device 100 can display a payment failure prompt. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and cellular network.

[0387] In the embodiments of the present application, if the first communication technology is NFC, the electronic device 100 can keep close to the payment device 200 to ensure the transmission of the payment success notification through NFC. If the first communication technology is any one of Bluetooth, Wi-Fi, UWB, cellular, etc., the user can hold up the electronic device 100 and move away from the payment device 200 after the electronic device 100 sends the first transaction initialization response to the payment device 200 through NFC and starts to display the payment in progress page. In this way, the electronic device 100 does not need to be close to the payment device 200 all the time.

[0388] S1113. If the electronic device 100 is not in the unlocked state, the electronic device 100 sends a second transaction initialization response to the payment device 200 through NFC, wherein the second transaction initialization is used to indicate that the electronic device 100 is in the unlocked state.

[0389] S1114. After receiving the second transaction initialization response, the payment device 200 sends a wake-up command to the electronic device 100 through NFC, wherein the wake-up command carries a wake-up identifier, an identifier of the target payment application, and first order information.

[0390] The wake-up command is used to instruct the electronic device 100 to initiate a payment process based on the first order information to the server of the target payment application in the unlocked state.

[0391] S1115. After receiving the wake-up command, the electronic device 100 sends a wake-up response to the payment device 200 through NFC, wherein the wake-up response is used to indicate that the electronic device 100 has received the wake-up command.

[0392] S1116. After receiving the wake-up command, the electronic device 100 can perform an unlocking process.

[0393] The unlocking process can include that the electronic device 100 displays an unlocking interface and verifies the unlocking information input by the user. The unlocking information can include any one or more of password information, face information, fingerprint information, iris information, etc. After the verification of the unlocking information is successful, i.e., the electronic device 100 is successfully unlocked, the electronic device 100 can be in an unlocked state. The unlocking interface can include an unlocking prompt, which can be used to prompt the user to unlock the electronic device 100. Optionally, the unlocking interface can also include a password input area, which can be used to receive the password information input by the user.

[0394] The electronic device 100 can verify the face information and / or iris information input by the user through the camera. The electronic device 100 can verify the fingerprint input by the user through the fingerprint identification module.

[0395] S1117. After the unlocking is successful, the electronic device 100 can initiate a payment process through the target payment application to the server of the target payment application based on the first order information and the first payment credential.

[0396] The payment process can include that the electronic device 100 can send a payment request to the server of the target payment application through the target payment application, and the payment request carries the first order information and the first payment credential. The payment request is used to request the server of the target payment application to deduct the payment amount from the balance of the target payment account corresponding to the first payment credential based on the first payment credential and the first order information, and increase the payment amount in the balance of the target payment account. After receiving the payment request, the server of the target payment application can determine the payment amount and the target payment account from the first payment order based on the first order information. The server of the target payment application can verify the first payment credential and the legality, and after the verification of the legality of the first payment credential is successful, the target payment account corresponding to the first payment credential is determined. The server of the target payment application can deduct the payment amount from the balance of the target payment account, and increase the payment amount in the balance of the target payment account. After deducting the payment amount from the balance of the target payment account and increasing the payment amount in the balance of the target payment account, the server of the target payment application can send a payment completion notification to the electronic device 100.

[0397] Optionally, the payment process can also include that after receiving the payment completion notification, the electronic device 100 can output a payment completion prompt, which is used to prompt the user that the payment amount has been successfully paid. The payment completion prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, or a light indicator prompt, etc. For example, after receiving the payment completion notification, the electronic device 100 can display a payment completion page (e.g., the payment completion page 630 shown in FIG. 6D described above).

[0398] If the server of the target payment application fails to transfer the payment amount from the balance of the target payment account to the target payment account, the payment failure notification can be sent to the electronic device 100. After receiving the payment failure notification, the electronic device 100 can display a payment failure page. The payment failure page includes a payment failure prompt for prompting the user that the payment has failed.

[0399] In a possible implementation, after the server of the target payment application deducts the payment amount from the balance of the target payment account and adds the payment amount to the balance of the target payment account, the server of the target payment application can also send a payment completion notification to the payment device 200. The payment completion notification indicates that the payment of the first payment order has been completed. Optionally, if the payment device 200 does not receive the payment completion notification and the payment failure notification sent by the server of the target payment application within a certain time, the payment device 200 can send a second payment result acquisition request to the electronic device 100 through the first short-distance communication technology. The second payment result acquisition request is used to request the electronic device 100 to send the payment result to the payment device 200. If the electronic device 100 has received the payment completion notification sent by the server of the target payment application, the electronic device 100 can send the payment completion notification to the payment device 200 through the first short-distance communication technology after receiving the first payment result acquisition request. The first short-distance communication technology can include any one or more of Bluetooth (including BLE or classic Bluetooth), Wi-Fi, UWB, and the like.

[0400] After receiving the payment completion notification, the payment device 200 can output a payment completion prompt for prompting the merchant that the payment amount has been successfully received. The payment completion prompt can be a text prompt, an audio prompt, an image prompt, a mechanical vibration prompt, a light prompt, or the like.

[0401] In a possible implementation, if the electronic device 100 receives the payment completion notification, the electronic device 100 can send the payment completion notification to the payment device 200 through the first communication technology. After receiving the payment completion notification, the payment device 200 can output a payment success prompt.

[0402] If the electronic device 100 receives the payment failure notification, the electronic device 100 can send the payment failure notification to the payment device 200 through the first communication technology. After receiving the payment failure notification, the payment device 200 can output a payment failure prompt. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and a cellular network.

[0403] In a possible implementation, before initiating the payment process to the server of the target payment application, the electronic device 100 can display the payment verification page 650 as shown in FIG. 6F. When displaying the payment verification page 650, the electronic device 100 can perform identity verification on the user by identity information of the target payment account logged in the target payment application. The identity verification can include any one or more of verifying a payment password, verifying biometric information, and the like. The biometric information can include face information, iris information, fingerprint information, palmprint information, and the like. For details about the identity verification process, refer to the embodiment shown in FIG. 6F, which will not be repeated here. After successfully verifying the identity of the user, the electronic device 100 can initiate the payment process to the server of the target payment application. In this way, the user can touch the electronic device 100 to the payment device 200, and the target payment application can be started by NFC to verify the identity of the user, so as to complete the payment, thereby improving the security of the payment.

[0404] In some embodiments, the first order information can not be carried in the order command. After receiving the order command without the first order information, the electronic device 100 can send an order response through the NFC, which can be used to indicate that the electronic device 100 has received the order command. After receiving the order response, the payment device 200 can send a transaction initialization command to the electronic device 100 through the NFC, where the transaction initialization command is used to obtain a payment credential. After receiving the transaction initialization command, the electronic device 100 sends a third transaction initialization response to the payment device 200 through the NFC, where the third transaction initialization response is used to indicate that the electronic device 100 has received the transaction initialization command, and the third transaction initialization response does not carry the payment credential. After receiving the third transaction initialization response, the payment device 200 sends a wake-up command, which carries a wake-up identifier, an identifier of the target payment application, and order information, and the wake-up command is used to request the electronic device 100 to initiate the payment process to the server of the target payment application in the unlocked state. After receiving the wake-up command, the electronic device 100 can send a wake-up response to the payment device 200 through the NFC, which is used to indicate that the electronic device 100 has received the wake-up command. In addition, the electronic device 100 can also determine whether the electronic device 100 is in the unlocked state after receiving the wake-up command. If the electronic device 100 is in the unlocked state, the electronic device 100 can initiate the payment process to the server of the target payment application based on the first order information and the first payment credential through the target payment application. If the electronic device 100 is in the unlocked state, the electronic device 100 can perform the unlocking process, and after the unlocking is successful (i.e., the state is switched to the unlocked state), the electronic device 100 can initiate the payment process to the server of the target payment application based on the order information and the first payment credential through the target payment application.

[0405] In some embodiments, the steps S1114 and S1115 are optional. The payment device 200 can not send the wake-up command after receiving the second transaction initialization response. The electronic device 100 can directly perform the unlocking procedure after sending the second transaction initialization response to the payment device 200. The electronic device 100 can initiate the payment procedure to the server of the target payment application based on the first order information and the first payment credential through the target payment application after the unlocking is successful. In this way, the electronic device 100 can directly perform the unlocking procedure and initiate the payment procedure to the server of the target payment application after the unlocking is successful after receiving the order command and detecting that the electronic device 100 is in the unlocked state.

[0406] In this way, the electronic device 100 can directly perform the unlocking procedure without the wake-up command from the payment device 200 if the electronic device 100 is in the unlocked state. The electronic device 100 can initiate the payment procedure to the server of the target payment application after the unlocking is successful.

[0407] In some embodiments, the steps S1107 to S1113 are optional. The payment device 200 can send a wake-up command to the electronic device 100 after receiving the second selection response, where the wake-up command carries the wake-up identifier, the identifier of the target payment application, and the order information. The electronic device 100 can send a wake-up response to the payment device 200 after receiving the wake-up command, where the wake-up response is used to indicate that the electronic device 100 has received the wake-up command. The electronic device 100 can determine whether the electronic device 100 is in the unlocked state after receiving the wake-up command. If the electronic device 100 is in the unlocked state, the electronic device 100 can initiate the payment procedure to the server of the target payment application based on the order information and the first payment credential through the target payment application. If the electronic device 100 is in the unlocked state, the electronic device 100 can perform the unlocking procedure and initiate the payment procedure to the server of the target payment application based on the first order information and the first payment credential through the target payment application after the unlocking of the electronic device 100 is successful.

[0408] In this way, the payment device 200 does not need to send the order command and the transaction initialization command to the electronic device 100. The payment device 200 can directly send the wake-up command to the electronic device 100 after successfully selecting the target payment application, so as to make the electronic device 100 enter the unlocked state and initiate the payment procedure to the server of the target payment application.

[0409] In some embodiments, after receiving the first transaction initialization response, the payment device 200 can send a payment inquiry command to the electronic device 100 via NFC, where the payment inquiry command can be used to inquire whether the electronic device 100 can initiate payment. If the electronic device 100 allows the payment device 200 to initiate payment, the electronic device 100 can send a first payment inquiry response to the payment device 200 via NFC, where the first payment inquiry response carries confirmation payment indication information, which is used to indicate that the electronic device 100 allows the payment device 200 to make payment. After receiving the first payment inquiry response, the payment device 200 can initiate a payment process to the server of the target payment application based on the first payment credential and the first order information. If the electronic device 100 does not allow the payment device 200 to initiate payment, the electronic device 100 can send a second payment inquiry response to the payment device 200 via NFC, where the second payment inquiry response carries cancellation payment indication information, which is used to indicate that the electronic device 100 does not allow the payment device 200 to make payment. After receiving the second payment inquiry response, the payment device 200 can not perform the above step S1112.

[0410] For example, after receiving the payment inquiry command, the electronic device 100 can perform handshake negotiation with the server of the target payment application. If the electronic device 100 successfully performs handshake negotiation with the server of the target payment application, the electronic device 100 can allow the payment device 200 to initiate payment. If the electronic device 100 fails to perform handshake negotiation with the server of the target payment application, the electronic device 100 does not allow the payment device 200 to initiate payment.

[0411] Optionally, after receiving the second payment inquiry response, the payment device 200 can also delete the received first payment credential.

[0412] Optionally, after receiving the second payment inquiry response, the payment device 200 can also request the server of the target payment application to delete the first payment order.

[0413] In some embodiments, after receiving the transaction initialization command, if the electronic device 100 determines that the electronic device 100 is in an unlocked state, the electronic device 100 can send a second transaction initialization response to the payment device 200 via NFC. After sending the second transaction initialization response, the electronic device 100 can perform an unlocking process. After successfully unlocking, the electronic device 100 can send the first payment credential to the payment device 200 via a first communication technology. After receiving the first payment credential, the payment device 200 can initiate a payment process to the server of the target payment application based on the first payment credential and the first order information. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and cellular network.

[0414] In some embodiments, after receiving the transaction initialization command, if the electronic device 100 determines that the electronic device 100 is in the unlocked state and the payment amount in the first order information is less than or equal to the passcode-free payment limit set by the target payment application, the electronic device 100 can send the first transaction initialization response to the payment device 200 through NFC.

[0415] If it is determined that the electronic device 100 is in the unlocked state and the payment amount in the first order information is greater than the passcode-free payment limit set by the target payment application, the electronic device 100 can send a third transaction initialization response to the payment device 200 through NFC, where the third transaction initialization response is used to indicate that the electronic device 100 has received the transaction initialization command, and the third transaction initialization response does not carry the payment credential. After the electronic device 100 sends the third transaction initialization response to the payment device 200 through NFC, the electronic device 100 can display the payment verification page 650 as shown in FIG. 6F. When displaying the payment verification page 650, the electronic device 100 can perform identity verification on the user through the identity information of the target payment account logged in the target payment application. After the identity verification on the user is successful, the electronic device 100 can initiate a payment process to the server of the target payment application.

[0416] Optionally, after the identity verification on the user is successful, the electronic device 100 can send the first payment credential to the payment device 200 through the first communication technology. After receiving the first payment credential, the payment device 200 can initiate a payment process to the server of the target payment application based on the first payment credential and the first order information. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and cellular network.

[0417] It should be noted that in the embodiment shown in FIG. 10B, the various commands or responses sent by the payment device 200 to the electronic device 100 through NFC are commands or responses at the application layer of the NFC protocol, for example, the first selection command, the second selection command, the order command, the transaction initialization command, the wake-up command, the first selection response, the second selection response, the order response, the first transaction initialization response, the second transaction initialization response, the third transaction initialization response, the wake-up response, etc. in the embodiment shown in FIG. 10B.

[0418] By the payment method provided in the embodiments of the present application, the payment device 200 can select a target payment application according to the identification of one or more payment applications sent by the electronic device 100 through NFC when the electronic device 100 approaches the payment device 200 in the unlocked state or the unlocked state. The electronic device 100 can complete payment with the payment device 200 using the target payment application. In this way, the electronic device 100 can complete payment without too much operation of the user, and the efficiency of the user using the electronic device 100 to make payment is improved.

[0419] The flow of the payment method provided in the embodiment shown in FIG. 10B will be described in detail below in combination with the functional modules inside the electronic device 100.

[0420] FIG. 10C shows a flow diagram of a payment method provided in another embodiment of the present application.

[0421] As shown in FIG. 10C, the payment method can be applied to an NFC system including the electronic device 100 and the payment device 200. The payment device 200 is in the PCD mode. The electronic device 100 can be in the PICC mode. The electronic device 100 can include an NFC basic service module, a target payment application, and a wake-up management module. It should be noted that the names of the NFC basic service module and the wake-up management module are only exemplary descriptions, and the names of the NFC basic service module and the wake-up management module are not limited in the embodiments of the present application, and other names can be used.

[0422] The payment method can include the following steps:

[0423] S1201. The electronic device 100 enters the radio frequency field of the payment device 200.

[0424] The user can hold the electronic device 100 and actively approach the card swiping area of the payment device 200 from the position of the NFC antenna on the electronic device 100, so that the payment device 200 enters the radio frequency field of the electronic device 100. Alternatively, the user can actively hold the payment device 200 and approach the card swiping area of the payment device 200 to the position of the NFC antenna on the electronic device 100, so that the payment device 200 enters the radio frequency field of the electronic device 100.

[0425] S1202. The payment device 200 can send a first selection command to the NFC basic service module through NFC, wherein the first selection command is used to select a payment service.

[0426] The electronic device 100 can support multiple NFC services. For example, the electronic device 100 can support payment services, access control services, car key services, bank card services, electronic ticket services, digital ID services, etc.

[0427] The payment device 200 can notify the electronic device 100 to perform payment service with the payment device 200 through the first select command.

[0428] S1203. After receiving the first select command, the NFC base service module can return a first select response to the payment device 200 through NFC, where the first select response carries the identification of one or more payment applications supported by the electronic device 100 for payment.

[0429] Optionally, the first select response also carries the capability information of the one or more payment applications supported by the electronic device 100 for payment. The capability information can be used to indicate the payment capability of the payment application. The higher the payment capability, the more the payment application is preferred to be selected for use.

[0430] The capability information can include priority and / or preferential information. The priority is used to indicate the priority degree set by the electronic device 100 for the payment application. The preferential information is used to indicate the preferential degree of the payment application. The payment device 200 can determine the target payment application based on the capability information of the one or more payment applications supported by the electronic device 100 for payment.

[0431] In an example, the identification of the one or more payment applications supported by the electronic device 100 for payment in the first select response can be sorted according to the priority. The electronic device 100 can pre-receive and respond to the input of the user to set the priority of the one or more payment applications supported by the electronic device 100 for payment. The identification of the payment application with higher priority is arranged in the first select response in the order of higher priority. Optionally, the electronic device 100 can also receive the input of the user to set the one or more payment applications supported by the electronic device 100 for payment.

[0432] In an example, the first select response can include an application list field and a capability set field. The application list field can include the identification of the one or more payment applications supported by the electronic device 100 for payment. The capability set field can include a priority field and / or a preferential information field. The priority field can include the priority of the one or more payment applications supported by the electronic device 100 for payment. The preferential information field can include the preferential information of the one or more payment applications supported by the electronic device 100 for payment.

[0433] In an example, the number of the identification of the one or more payment applications supported by the electronic device 100 for payment in the first select response can be a preset value (e.g. 5).

[0434] For example, there are 10 payment applications supported by the electronic device 100. The priorities of the 10 payment applications set by the user on the electronic device 100 from high to low are payment application A1, payment application A2, payment application A3, payment application A4, payment application A5, payment application A6, payment application A7, payment application A8, payment application A9, and payment application A10. Due to the limitation of the amount of data that can be carried in the first selection response, the electronic device 100 can select the identifiers of the top 5 payment applications in priority from the 10 payment applications and carry them in the first selection response. Therefore, the one or more payment applications supported by the electronic device 100 in the first selection response can include payment application A1, payment application A2, payment application A3, payment application A4, and payment application A5.

[0435] S1204. The payment recipient device 200 determines the target payment application from the one or more payment applications supported by the electronic device 100 based on the identifier of the one or more payment applications supported by the electronic device 100.

[0436] The process in which the payment recipient device 200 determines the target payment application from the electronic device 100 can refer to the description of step S1104 in the embodiment shown in FIG. 10B above, and will not be described here again.

[0437] S1205. The payment recipient device 200 can send a second selection command to the target payment application through NFC, wherein the second selection command carries the identifier of the target payment application.

[0438] The second selection command is used to instruct the electronic device to select the target payment application for NFC business.

[0439] The payment recipient device 200 can first send the second selection command to the NFC base service module through NFC. Since the second selection command carries the identifier of the target payment application, the NFC base service module can determine to report the second selection command and the NFC command after the second selection command to the target payment application. Therefore, the NFC base service module can forward the second selection command to the target payment application.

[0440] S1206. After receiving the second selection command, the target payment application can send a second selection response to the payment recipient device 200 through NFC, wherein the second selection response is used to indicate that the selection of the target payment application is successful.

[0441] The target payment application can first send the second selection response to the NFC base service module. After receiving the second selection response, the NFC base service module can send the second selection response to the payment recipient device 200 through NFC.

[0442] S1207. The payment device 200 can send an order command to the target payment application via NFC, where the order command carries the first order information.

[0443] The payment device 200 can first send the order command to the NFC base service module of the electronic device 100 via NFC. The NFC base service module then sends the order command to the target payment application.

[0444] The first order information can include the order identifier and the payment amount of the first payment order. After receiving the second selection response, the payment device 200 can send an order request to the server of the target payment application, where the order request is used to request the server of the target payment application to generate the first payment order. The order request can carry the identifier of the target payment account logged in by the payment device 200 in the target payment application and the payment amount. After receiving the order request, the server of the target payment application can generate the first payment order based on the identifier of the target payment account logged in by the payment device 200 in the target payment application and the payment amount. The first payment order includes the order identifier, the identifier of the target payment account, and the payment amount. The server of the target payment application can send the order identifier of the first payment order to the payment device 200.

[0445] The payment amount can be determined by the payment device 200. The payment device 200 can receive the payment amount input by the merchant, or the payment device 200 can determine the payment amount according to the price information of the goods purchased by the user.

[0446] In a possible implementation, to prevent the order information from being leaked, the payment device 200 can carry the encrypted order information in the order command. The electronic device 100 decrypts the order information after receiving the order command.

[0447] S1208. After receiving the order command, the target payment application can send an order response to the payment device 200 via NFC, where the order response is used to indicate that the electronic device 100 has received the order command.

[0448] The target payment application can first send the order response to the NFC base service module. The NFC base service module then sends the order response to the payment device 200 via NFC.

[0449] S1209. After receiving the order response, the payment device 200 can send a transaction initialization command to the target payment application via NFC, where the transaction initialization command is used to obtain a payment credential.

[0450] The payment device 200 can first send a transaction initialization command to the NFC base service module through NFC. The NFC base service module sends the transaction initialization command to the target payment application.

[0451] Different payment accounts in the target payment application correspond to different payment credentials. The server of the target payment application needs to receive the first payment credential corresponding to the target payment account before the payment amount can be deducted from the target payment account and added to the balance of the target payment account.

[0452] S1210. After receiving the transaction initialization command, the target payment application can determine whether the electronic device 100 is in an unlocked state.

[0453] S1211. If the electronic device 100 is in an unlocked state, the target payment application can send a first transaction initialization response to the payment device 200 through NFC, wherein the first transaction initialization response carries a first payment credential.

[0454] The first payment credential is the payment credential corresponding to the target payment account logged in the target payment application of the electronic device 100.

[0455] The target payment application can generate the first payment credential based on the target payment account logged in the target payment application.

[0456] In one possible implementation, the target payment application can generate the first payment credential based on the first order information and the target payment account logged in the target payment application. In this way, different payment orders can have different payment credentials, improving the security of the transaction.

[0457] In one possible implementation, in order to prevent the first payment credential corresponding to the target payment account from being misused, the target payment application can carry the encrypted first payment credential in the first transaction initialization response. After receiving the first transaction initialization response, the payment device 200 can decrypt the first payment credential from the first transaction initialization response.

[0458] In one possible implementation, after sending the above first transaction initialization response to the payment device 200 through NFC, the target payment application can display a payment in progress page. The payment in progress page can refer to the payment in progress page 620 shown in FIG. 6C, which will not be described here.

[0459] S1212. After receiving the first transaction initialization response, the payment device 200 can initiate a payment process to the server of the target payment application based on the first payment credential and the first order information.

[0460] The payment device 200 initiates the payment process to the server of the target payment application can refer to the description of step S1112 in the embodiment shown in FIG. 10B, which will not be repeated here.

[0461] S1213. If the electronic device 100 is not in the unlocked state, the target payment application can send a second transaction initialization response to the payment device 200 through NFC, wherein the second transaction initialization response is used to indicate that the electronic device 100 is in the unlocked state.

[0462] The target payment application can first send the second transaction initialization response to the NFC base service module. The NFC base service module can then send the second transaction initialization response to the payment device 200 through NFC.

[0463] S1214. After receiving the second transaction response, the payment device 200 can send a wake-up command to the wake-up management module through NFC, wherein the wake-up command carries the identifier of the wake-up management module, the identifier of the target payment application and the first order information.

[0464] The wake-up command can be used to instruct the electronic device 100 to initiate the payment process to the server of the target payment application based on the first order information in the unlocked state.

[0465] The payment device 200 can first send the wake-up command to the NFC base service module through NFC. After obtaining the wake-up identifier from the wake-up command, the NFC base service module can send the wake-up command to the wake-up management module.

[0466] S1215. After receiving the wake-up command, the wake-up management module can send a wake-up response to the payment device 200, wherein the wake-up response is used to indicate that the wake-up management module has received the wake-up command.

[0467] The wake-up management module can first send the wake-up response to the NFC base service module. After receiving the wake-up response, the NFC base service module can send the wake-up response to the payment device 200 through NFC.

[0468] S1216. After receiving the wake-up command, the wake-up management module can trigger the electronic device 100 to perform the unlocking process.

[0469] The unlocking process can refer to the description of step S1116 in the embodiment shown in FIG. 10B, which will not be repeated here.

[0470] S1217. After the electronic device 100 is successfully unlocked, the wake-up management module can send the first order information to the target payment application.

[0471] S1218. The target payment application can initiate a payment process to the server of the target payment application based on the first order information and the first payment credential.

[0472] The payment process can refer to the description of the payment process in step S1117 of the embodiment shown in FIG. 10B, which will not be repeated here.

[0473] In some embodiments, the first order information can not be carried in the order command. After receiving the order command without the first order information, the target payment application can send an order response to the payment device 200 through NFC by means of the NFC base service module. The order response can be used to indicate that the electronic device 100 has received the order command. After receiving the order response, the payment device 200 can send a transaction initialization command to the target payment application through NFC, where the transaction initialization command is used to obtain a payment credential. After receiving the transaction initialization command, the target payment application sends a third transaction initialization response to the payment device 200 through NFC, where the third transaction initialization response is used to indicate that the electronic device 100 has received the transaction initialization command, and the third transaction initialization response does not carry the payment credential. After receiving the third transaction initialization response, the payment device 200 sends a wake-up command, which carries a wake-up identifier, an identifier of the target payment application, and order information, and the wake-up command is used to request the electronic device 100 to initiate a payment process to the server of the target payment application in the unlocked state. After receiving the wake-up command, the wake-up management module can send a wake-up response to the payment device 200 through NFC, which is used to indicate that the electronic device 100 has received the wake-up command. In addition, the wake-up management module can also determine whether the electronic device 100 is in the unlocked state after receiving the wake-up command. If the electronic device 100 is in the unlocked state, the wake-up management module can send the first order information to the target payment application. The target payment application can initiate a payment process to the server of the target payment application based on the first order information and the first payment credential. If the electronic device 100 is in the unlocked state, the electronic device 100 can perform an unlocking process. The wake-up management module can send the first order information to the target payment application after the electronic device 100 is successfully unlocked (i.e., switched to the unlocked state). The target payment application initiates a payment process to the server of the target payment application based on the first order information and the first payment credential.

[0474] In some embodiments, the steps S1214 and S1216 are optional. The payment device 200 can not send the wake-up command after receiving the second transaction initialization response. The target payment application can directly trigger the electronic device 100 to perform the unlocking process after sending the second transaction initialization response to the payment device 200. The target payment application can initiate the payment process to the server of the target payment application based on the first order information and the first payment credential after the electronic device 100 is successfully unlocked.

[0475] In this way, when the target payment application has the permission to trigger the electronic device 100 to unlock, the target payment application can directly trigger the electronic device 100 to complete the unlocking and initiate the payment process to the server of the target payment application when the electronic device 100 is in the unlocked state.

[0476] In some embodiments, the steps S1207 to S1213 are optional. The payment device 200 can send a wake-up command to the wake-up management module after receiving the second selection response, where the wake-up command carries a wake-up identifier, an identifier of the target payment application, and order information. The wake-up management module can send a wake-up response to the payment device 200 after receiving the wake-up command, where the wake-up response is used to indicate that the electronic device 100 has received the wake-up command. In addition, the wake-up management module can determine whether the electronic device 100 is in the unlocked state after receiving the wake-up command. If the electronic device 100 is in the unlocked state, the wake-up management module can send the first order information to the target payment application. The target payment application can initiate the payment process to the server of the target payment application based on the first order information and the first payment credential. If the electronic device 100 is in the unlocked state, the wake-up management module can trigger the electronic device 100 to perform the unlocking process. The wake-up management module can send the first order information to the target payment application after the electronic device 100 is successfully unlocked. The target payment application initiates the payment process to the server of the target payment application based on the first order information and the first payment credential.

[0477] In some embodiments, after receiving the first transaction initialization response, the payment device 200 can send a payment inquiry command to the target payment application via NFC, where the payment inquiry command can be used to inquire whether the electronic device 100 can initiate payment. If the electronic device 100 allows the payment device 200 to initiate payment, the target payment application can send a first payment inquiry response to the payment device 200 via NFC, where the first payment inquiry response carries confirmation payment indication information, which is used to indicate that the electronic device 100 allows the payment device 200 to make payment. After receiving the first payment inquiry response, the payment device 200 can initiate the payment process to the server of the target payment application based on the first payment credential and the first order information. If the electronic device 100 does not allow the payment device 200 to initiate payment, the target payment application can send a second payment inquiry response to the payment device 200 via NFC, where the second payment inquiry response carries cancellation payment indication information, which is used to indicate that the electronic device 100 does not allow the payment device 200 to make payment. After receiving the second payment inquiry response, the payment device 200 can not perform the above step S1212.

[0478] For example, after receiving the payment inquiry command, the target payment application can perform handshake negotiation with the server of the target payment application. If the target payment application successfully performs handshake negotiation with the server of the target payment application, the electronic device 100 can allow the payment device 200 to initiate payment. If the target payment application fails to perform handshake negotiation with the server of the target payment application, the electronic device 100 does not allow the payment device 200 to initiate payment.

[0479] Optionally, after receiving the second payment inquiry response, the payment device 200 can also delete the received first payment credential.

[0480] Optionally, after receiving the second payment inquiry response, the payment device 200 can also request the server of the target payment application to delete the first payment order.

[0481] In some embodiments, after the electronic device 100 is successfully unlocked, the target payment application can send the above first payment credential to the payment device 200 via a first communication technology after obtaining the first order information. After receiving the first payment credential, the payment device 200 can initiate the payment process to the server of the target payment application based on the first payment credential and the first order information. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and cellular network.

[0482] In some embodiments, after receiving the transaction initialization command, if the electronic device 100 is determined to be in the unlocked state and the payment amount in the first order information is less than or equal to the passcode-free payment limit set by the target payment application, the target payment application can send the first transaction initialization response to the payment device 200 through NFC.

[0483] If the electronic device 100 is determined to be in the unlocked state and the payment amount in the first order information is greater than the passcode-free payment limit set by the target payment application, the target payment application can send a third transaction initialization response to the payment device 200 through NFC, where the third transaction initialization response is used to indicate that the electronic device 100 has received the transaction initialization command, and the first payment credential is not carried in the third transaction initialization response. After sending the third transaction initialization response to the payment device 200 through NFC, the target payment application can display the payment verification page 650 as shown in FIG. 6F. When displaying the payment verification page 650, the target payment application can perform identity verification on the user by using the identity information of the target payment account logged in the target payment application. After successfully verifying the identity of the user, the target payment application can initiate a payment process to the server of the target payment application.

[0484] Optionally, after successfully verifying the identity of the user, the target payment application can send the first payment credential to the payment device 200 through the first communication technology. After receiving the first payment credential, the payment device 200 can initiate a payment process to the server of the target payment application based on the first payment credential and the first order information. The first communication technology can include any one or more of NFC, Bluetooth, Wi-Fi, UWB, and cellular network.

[0485] It should be noted that in the embodiment shown in FIG. 10C, the various commands or responses sent by the payment device 200 to the electronic device 100 through NFC are commands or responses at the application layer of the NFC protocol, for example, the first selection command, the second selection command, the order command, the transaction initialization command, the wake-up command, the first selection response, the second selection response, the order response, the first transaction initialization response, the second transaction initialization response, the third transaction initialization response, the wake-up response, etc. in the embodiment shown in FIG. 10C.

[0486] By using the payment method provided in the embodiments of the present application, the payment device 200 can select a target payment application according to the identifier of one or more payment applications returned by the electronic device 100 when the electronic device 100 is close to the payment device 200, regardless of whether the electronic device 100 is in an unlocked state or an unlocked state. The electronic device 100 can use the target payment application to complete payment with the payment device 200. In this way, the electronic device 100 can complete payment without the user's excessive operation, thereby improving the user's efficiency in using the electronic device 100 to make payments.

[0487] Another hardware structure of the electronic device 100 provided in an embodiment of the present application is introduced as follows.

[0488] FIG. 11 shows a hardware structure schematic diagram of an electronic device 100 provided in an embodiment of the present application.

[0489] The embodiments are specifically described below taking the electronic device 100 as an example. It should be understood that the electronic device 100 shown in FIG. 11 is only an example, and the electronic device 100 can have more or fewer components than those shown in FIG. 11, can combine two or more components, or can have a different component configuration. The various components shown in FIG. 11 can be implemented in hardware, software, or a combination of hardware and software including one or more signal processing and / or application specific integrated circuits.

[0490] The electronic device 100 can include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (USB) interface 130, a charge management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, a headset interface 170D, a sensor module 180, a key 190, a motor 191, an indicator 192, a camera 193, a display screen 194, and a subscriber identification module (SIM) card interface 195, etc. The sensor module 180 can include one or more of a pressure sensor 180A, a gyroscope sensor 180B, a barometric pressure sensor 180C, a magnetic sensor 180D, an acceleration sensor 180E, a distance sensor 180F, a proximity light sensor 180G, a fingerprint sensor 180H, a temperature sensor 180J, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, etc.

[0491] It can be understood that the structure shown in the embodiments of the present application does not constitute a specific limitation on the electronic device 100. In other embodiments of the present application, the electronic device 100 can include more or fewer components than shown, or combine certain components, or split certain components, or different component arrangements. The components shown can be implemented in hardware, software, or a combination of software and hardware.

[0492] The processor 110 can include one or more processing units, for example: the processor 110 can include an application processor (AP), a modem processor, a graphics processing unit (GPU), an image signal processor (ISP), a controller, a memory, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural-network processing unit (NPU), etc. Different processing units can be independent devices or integrated in one or more processors. The controller can generate operation control signals according to instruction operation codes and timing signals, and complete the control of fetching and executing instructions. The processor 110 can also be provided with a memory for storing instructions and data. In some embodiments, the memory in the processor 110 is a cache memory. The memory can save instructions or data that have just been used or are repeatedly used by the processor 110. If the processor 110 needs to use the instructions or data again, it can directly call from the memory. This avoids repeated access and reduces the waiting time of the processor 110, thereby improving the efficiency of the system.

[0493] In some embodiments, the processor 110 can include one or more interfaces. The interfaces can include an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input / output (GPIO) interface, a subscriber identity module (SIM) interface, and / or a universal serial bus (USB) interface, etc.

[0494] It can be understood that the interface connection relationship between the modules shown in the embodiments of the present application is only illustrative and does not constitute a structural limitation of the electronic device 100. In some other embodiments of the present application, the electronic device 100 can also use different interface connection modes or a combination of multiple interface connection modes in the above embodiments.

[0495] The charging management module 140 is configured to receive charging input from a charger. The power management module 141 is configured to connect the battery 142 and the charging management module 140. The power management module 141 receives input from the battery 142 and / or the charging management module 140 to power the processor 110, the internal memory 121, the external memory, the display screen 194, the camera 193, and the wireless communication module 160.

[0496] The wireless communication function of the electronic device 100 can be implemented by the antenna 1, the antenna 2, the mobile communication module 150, the wireless communication module 160, the modem processor, and the baseband processor. The antenna 1 and the antenna 2 are configured to transmit and receive electromagnetic wave signals. Each antenna in the electronic device 100 can be used to cover a single or multiple communication frequency bands. Different antennas can also be multiplexed to improve the utilization rate of the antennas. For example, the antenna 1 can be multiplexed as a diversity antenna for a wireless local area network. In some other embodiments, the antenna can be used in combination with a tuning switch.

[0497] The mobile communication module 150 can provide a solution for wireless communication including 2G / 3G / 4G / 5G, etc. applied to the electronic device 100. The mobile communication module 150 can include at least one filter, a switch, a power amplifier, a low noise amplifier (LNA), etc. The mobile communication module 150 can receive electromagnetic waves from the antenna 1 and perform filtering, amplification, etc. on the received electromagnetic waves, and transmit the processed electromagnetic waves to the modem processor for demodulation. The mobile communication module 150 can also amplify the signals modulated by the modem processor and convert them into electromagnetic waves radiated through the antenna 1. In some embodiments, at least part of the functional modules of the mobile communication module 150 can be arranged in the processor 110. In some embodiments, at least part of the functional modules of the mobile communication module 150 and at least part of the modules of the processor 110 can be arranged in the same device.

[0498] The wireless communication module 160 can provide a solution for wireless communication including wireless local area networks (WLAN) (e.g., wireless fidelity (Wi-Fi) network), Bluetooth (BT), global navigation satellite system (GNSS), frequency modulation (FM), near field communication (NFC), infrared (IR) technology, etc. applied to the electronic device 100. The wireless communication module 160 can be one or more devices that integrate at least one communication processing module. The wireless communication module 160 receives an electromagnetic wave via the antenna 2, frequency-modulates and filters the electromagnetic wave signal, and transmits the processed signal to the processor 110. The wireless communication module 160 can also receive a signal to be transmitted from the processor 110, frequency-modulate it, amplify it, and radiate it as an electromagnetic wave via the antenna 2.

[0499] In some embodiments, the antenna 1 and the mobile communication module 150 of the electronic device 100 are coupled, and the antenna 2 and the wireless communication module 160 are coupled, so that the electronic device 100 can communicate with a network and other devices through wireless communication technology. The wireless communication technology can include global system for mobile communications (GSM), general packet radio service (GPRS), code division multiple access (CDMA), wideband code division multiple access (WCDMA), time-division code division multiple access (TD-SCDMA), long term evolution (LTE), BT, GNSS, WLAN, NFC, FM, and / or IR technology, etc. The GNSS can include a global positioning system (GPS), a global navigation satellite system (GLONASS), a beidou navigation satellite system (BDS), a quasi-zenith satellite system (QZSS), and / or a satellite based augmentation systems (SBAS).

[0500] The electronic device 100 implements a display function through a GPU, a display screen 194, and an application processor, etc. The GPU is a microprocessor for image processing, which is connected to the display screen 194 and the application processor. The GPU is used to perform mathematical and geometric calculations for graphics rendering. The processor 110 can include one or more GPUs, which execute program instructions to generate or change display information.

[0501] The display screen 194 is configured to display images, videos, and the like. The display screen 194 includes a display panel. The display panel can be implemented by a liquid crystal display (LCD). The display screen panel can also be implemented by an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (AMOLED), a flex light-emitting diode (FLED), a miniled, a microled, a micro-oled, a quantum dot light emitting diodes (QLED), and the like. In some embodiments, the electronic device 100 can include one or N display screens 194, where N is a positive integer greater than 1.

[0502] The electronic device 100 can implement a photographing function through an ISP, the camera 193, a video codec, a GPU, the display screen 194, and an application processor.

[0503] The external memory interface 120 can be configured to connect an external memory card, such as a Micro SD card, to expand the storage capacity of the electronic device 100. The internal memory 121 can be configured to store computer-executable program codes including instructions. The processor 110 performs various functional applications and data processing of the electronic device 100 by executing the instructions stored in the internal memory 121. The internal memory 121 can include a program storage area and a data storage area. The program storage area can store an operating system, at least one application program required for at least one function (such as a sound play function, an image play function, and the like), and the like. The data storage area can store data created during the use of the electronic device 100 (such as audio data, a phonebook, and the like), and the like. In addition, the internal memory 121 can include a high-speed random access memory, and can further include a non-volatile memory such as at least one of a magnetic disk storage device, a flash memory device, a universal flash storage (UFS), and the like.

[0504] The electronic device 100 can implement an audio function through an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, and an application processor. For example, music play, recording, and the like.

[0505] The pressure sensor 180A is configured to sense a pressure signal and convert the pressure signal into an electrical signal. The gyro sensor 180B is configured to determine a motion posture of the electronic device 100. The barometric sensor 180C is configured to measure a barometric pressure. The magnetic sensor 180D includes a Hall sensor. The acceleration sensor 180E is configured to detect an acceleration of the electronic device 100 in various directions (typically, three axes). The distance sensor 180F is configured to measure a distance. The proximity light sensor 180G can include, for example, a light emitting diode (LED) and a photo detector, such as a photodiode. The ambient light sensor 180L is configured to sense an ambient light brightness. The fingerprint sensor 180H is configured to acquire a fingerprint. The temperature sensor 180J is configured to detect a temperature. The touch sensor 180K, also referred to as a "touch panel," can be disposed on the display screen 194. The touch sensor 180K and the display screen 194 can form a touch screen, also referred to as a "touch screen panel." The touch sensor 180K is configured to detect a touch operation applied thereto or in the vicinity thereof. The touch sensor 180K can transmit a detected touch operation to the application processor to determine a touch event type. A visual output related to the touch operation can be provided via the display screen 194. In other embodiments, the touch sensor 180K can be disposed on a surface of the electronic device 100, which is different from a location where the display screen 194 is disposed. The bone conduction sensor 180M can acquire a vibration signal. The keys 190 include a power key, a volume key, and the like. The motor 191 can generate a vibration alert. The indicator 192 can be an indicator light configured to indicate a charging state, a power level change, and the like, and can also be configured to indicate a message, a missed call, a notification, and the like.

[0506] The SIM card interface 195 is configured to connect a SIM card. The SIM card can be inserted into or removed from the SIM card interface 195 to achieve contact and separation with the electronic device 100. The electronic device 100 can support one or N SIM card interfaces, where N is a positive integer greater than one. The SIM card interface 195 can support a Nano SIM card, a Micro SIM card, a SIM card, and the like. Multiple cards can be inserted into the same SIM card interface 195 at the same time. The types of the multiple cards can be the same or different. The SIM card interface 195 can be compatible with different types of SIM cards. The SIM card interface 195 can also be compatible with external storage cards. The electronic device 100 interacts with a network through a SIM card to implement functions such as calling and data communication. In some embodiments, the electronic device 100 uses an eSIM, i.e., an embedded SIM card. The eSIM card can be embedded in the electronic device 100 and cannot be separated from the electronic device 100.

[0507] In some embodiments, the wireless communication module 160 can be specifically configured to establish a short-range wireless communication link with the payment device 200, so as to perform short-range wireless data transmission between the two. Exemplarily, the short-range wireless communication link can be a Bluetooth link, a Wi-Fi link, an NFC link, a UWB link, etc. Therefore, the wireless communication module 160 can specifically include one or more of a Bluetooth communication module, a Wi-Fi communication module, an NFC module, and a UWB module. The NFC module can include any appropriate components for enabling proximity-based non-contact communication between the electronic device 100 and the payment device 200, thereby providing the electronic device 100 with NFC functionality. The description of the NFC module can refer to the embodiment shown in FIG. 3, which will not be repeated here.

[0508] The above describes the method provided by the present application in detail. In order to facilitate better implementation of the above-mentioned scheme of the embodiments of the present application, the embodiments of the present application also provide corresponding devices or equipment.

[0509] The embodiments of the present application can divide the electronic device 100 and the payment device 200 into functional modules according to the above-mentioned method examples. For example, each functional module can be divided according to each function, or two or more functions can be integrated into one processing module. The integrated module can be realized in the form of hardware or in the form of a software functional module. It should be noted that the division of the modules in the embodiments of the present application is illustrative, and is only a logical functional division. Actual implementation can have another division manner.

[0510] The communication device of the embodiments of the present application will be described in detail below with reference to FIGS. 12 to 15.

[0511] In the case of using an integrated unit, referring to FIG. 12, FIG. 12 is a structural schematic diagram of a communication device 1200 provided by the embodiments of the present application. The communication device 1200 can be the electronic device 100 in the above-mentioned embodiments. Alternatively, the communication device 1200 can be a chip / chip system, for example, an NFC chip. As shown in FIG. 12, the communication device 1200 can include a transceiver unit 1210 and a processing unit 1220.

[0512] The transceiver unit 1210 can also be used to perform the function steps related to NFC sending and NFC receiving performed by the electronic device 100 in the above-mentioned embodiments of the present application.

[0513] Alternatively, the processing unit 1220 can also be used to perform the function steps related to NFC protocol analysis and packaging, NFC service processing flow, and display performed by the electronic device 100 in the above-mentioned embodiments of the present application.

[0514] It should be understood that the communication apparatus 1200 in this design can perform the method steps performed by the electronic device 100 in the foregoing embodiments, and for brevity, details are not repeated here.

[0515] In the case of using an integrated unit, referring to FIG. 13, which is a structural schematic diagram of a communication apparatus 1300 provided by an embodiment of the present application. The communication apparatus 1300 can be the payment device 200 in the foregoing embodiments. As shown in FIG. 13, the communication apparatus 1300 can include a transceiver unit 1310 and a processing unit 1320.

[0516] Optionally, the transceiver unit 1310 can also be configured to perform the NFC sending and NFC receiving function steps performed by the payment device 200 in the foregoing embodiments of the present application.

[0517] Optionally, the processing unit 1320 can also be configured to perform the NFC protocol analysis and packaging, and NFC service processing flow function steps performed by the payment device 200 in the foregoing embodiments of the present application.

[0518] It should be understood that the communication apparatus 1300 in this design can perform the method steps performed by the payment device 200 in the foregoing embodiments, and for brevity, details are not repeated here.

[0519] The electronic device 100 and the payment device 200 of the embodiments of the present application are introduced above, and it should be understood that any product with the functions of the electronic device 100 described in FIG. 12, and any product with the functions of the payment device 200 described in FIG. 13, all fall within the protection scope of the embodiments of the present application.

[0520] As a possible product form, the electronic device 100 described in the embodiments of the present application can be implemented by a general bus architecture.

[0521] Referring to FIG. 14, FIG. 14 is a structural schematic diagram of a communication apparatus 1400 provided by the embodiments of the present application. The communication apparatus 1400 can be the electronic device 100, or an apparatus in the electronic device 100. As shown in FIG. 14, the communication apparatus 1400 includes a processor 1401 and a transceiver 1402 which is in communication connection with the processor 1401 internally. The processor 1401 is a general-purpose processor or a special-purpose processor, etc. For example, it can be a central processing unit and / or an NFC controller, etc. The transceiver 1402 can be referred to as a transceiving unit, a transceiver, or a transceiving circuit, etc., and is configured to implement a transceiving function. The transceiver 1402 can include a receiver and a transmitter. The receiver can be referred to as a receiver or a receiving circuit, etc., and is configured to implement a receiving function, for example, an NFC receiving function. The transmitter can be referred to as a transmitter or a transmitting circuit, etc., and is configured to implement a transmitting function, for example, an NFC transmitting function. Optionally, the communication apparatus 1400 can further include an antenna 1403 and / or a radio frequency unit (not shown in FIG. 14), for example, an NFC antenna, wherein the NFC antenna can be a coil-shaped antenna. The antenna 1403 and / or the radio frequency unit can be located internally in the communication apparatus 1400, or can be separated from the communication apparatus 1400, that is, the antenna 1403 and / or the radio frequency unit can be remotely deployed or distributedly deployed.

[0522] Optionally, one or more memories 1404 can be included in the communication apparatus 1400, and instructions can be stored in the memories 1404. The instructions can be computer programs, which can be run on the communication apparatus 1400, so that the communication apparatus 1400 performs the method steps described in the above embodiments of the present application. Optionally, data can also be stored in the memories 1404. The communication apparatus 1400 and the memories 1404 can be separately arranged, or can be integrated together.

[0523] The processor 1401, the transceiver 1402, and the memories 1404 can be connected through a communication bus.

[0524] In one design, the communication apparatus 1400 can be configured to perform the functions of the electronic device 100 in the foregoing embodiments. The processor 1401 can be configured to perform the function steps and / or other processes described herein for the NFC protocol analysis and packaging, the NFC service processing flow, and the display, etc., which are performed by the electronic device 100 in the method embodiments of the present application; and the transceiver 1402 can be configured to perform the function steps and / or other processes described herein for the NFC transmitting and NFC receiving, etc., which are performed by the electronic device 100 in the method embodiments of the present application.

[0525] In any of the above designs, the processor 1401 can include a transceiver for implementing the receiving and transmitting functions. For example, the transceiver can be a transceiver circuit, or an interface, or an interface circuit. The transceiver circuit, interface, or interface circuit for implementing the receiving and transmitting functions can be separate or integrated together. The above transceiver circuit, interface, or interface circuit can be used for reading and writing of code / data, or the above transceiver circuit, interface, or interface circuit can be used for transmission or transfer of signals.

[0526] In any of the above designs, the processor 1401 can store instructions, which can be a computer program, running on the processor 1401, to cause the communication apparatus 1400 to perform the method steps performed by the electronic device 100 in the above embodiments. The computer program can be fixed in the processor 1401, in which case the processor 1401 can be implemented by hardware.

[0527] In an implementation manner, the communication apparatus 1400 can include a circuit, which can implement the functions of sending or receiving or communication in the above method embodiments. The processor and the transceiver described in the present application can be implemented on an integrated circuit (IC), an analog IC, a radio frequency integrated circuit (RFIC), a mixed signal IC, an application specific integrated circuit (ASIC), a printed circuit board (PCB), an electronic device, etc. The processor and the transceiver can also be manufactured by various IC process technologies, such as complementary metal oxide semiconductor (CMOS), N-type metal oxide semiconductor (NMOS), P-type metal oxide semiconductor (PMOS), bipolar junction transistor (BJT), bipolar CMOS (BiCMOS), silicon germanium (SiGe), gallium arsenide (GaAs), etc.

[0528] The scope of the communication apparatus described in the present application is not limited thereto, and the structure of the communication apparatus can not be limited by Figure 14. The communication apparatus 1400 can be a standalone device or can be part of a larger device. For example, the communication apparatus 1400 can be:

[0529] (1) an independent integrated circuit (IC), or chip, or chip system or subsystem; (2) a set of one or more ICs, optionally including storage for data, computer programs, etc.; (3) an ASIC, such as a NFC chip; (4) a module that can be embedded within other devices; (5) a receiver, terminal, smart terminal, cellular telephone, wireless device, handset, mobile unit, fixed or mobile subscriber unit, pager, computer, laptop computer, PDA, wireless terminal, wireless modem, etc.; (6) other devices, etc.

[0530] As a possible product form, the payment device 200 described in the embodiments of the present application can be implemented by a general bus architecture.

[0531] Referring to FIG. 15, FIG. 15 is a structural schematic diagram of a communication apparatus 1500 provided by the embodiments of the present application. The communication apparatus 1500 can be the payment device 200, or an apparatus therein. As shown in FIG. 15, the communication apparatus 1500 includes a processor 1501 and a transceiver 1502 connected with the processor 1501 internally. The processor 1501 is a general processor or a special purpose processor, etc. For example, it can be a NFC controller. The transceiver 1502 can be referred to as a transceiving unit, a transceiver, or a transceiving circuit, etc., and is configured to implement a transceiving function. The transceiver 1502 can include a receiver and a transmitter. The receiver can be referred to as a receiver or a receiving circuit, etc., and is configured to implement a receiving function. The transmitter can be referred to as a transmitter or a transmitting circuit, etc., and is configured to implement a transmitting function. Optionally, the communication apparatus 1500 can further include an antenna 1503 and / or a radio frequency unit (not shown in the figure). The antenna 1503 and / or the radio frequency unit can be located inside the communication apparatus 1500, or can be separated from the communication apparatus 1500, i.e., the antenna 1503 and / or the radio frequency unit can be remotely located or distributed.

[0532] Optionally, the communication apparatus 1500 can include one or more memories 1504, which can store instructions, i.e., computer programs, that can be run on the communication apparatus 1500, so that the communication apparatus 1500 performs the method steps described in the embodiments of the present application. Optionally, the memory 1504 can also store data. The communication apparatus 1500 and the memory 1504 can be separately arranged, or can be integrated together.

[0533] The processor 1501, the transceiver 1502, and the memory 1504 can be connected through a communication bus.

[0534] In one design, the communication apparatus 1500 can be configured to perform the functions of the payment device 200 in the foregoing embodiments: the processor 1501 can be configured to perform the functional steps of the payment device 200 in the foregoing method embodiments related to NFC protocol parsing and packaging, NFC service processing flow, and / or other processes for the techniques described herein; the transceiver 1502 can be configured to perform the functional steps of the payment device 200 in the foregoing method embodiments related to NFC transmission and NFC reception, and / or other processes for the techniques described herein.

[0535] In any of the foregoing designs, the processor 1501 can include a transceiver for implementing receiving and transmitting functions. For example, the transceiver can be a transceiver circuit, or an interface, or an interface circuit. The transceiver circuit, interface, or interface circuit for implementing receiving and transmitting functions can be separate or integrated together. The foregoing transceiver circuit, interface, or interface circuit can be used for code / data reading and writing, or the foregoing transceiver circuit, interface, or interface circuit can be used for signal transmission or transfer.

[0536] In any of the foregoing designs, the processor 1501 can store instructions, which can be a computer program, running on the processor 1501, to cause the communication apparatus 1500 to perform the method steps of the payment device 200 in the foregoing method embodiments. The computer program can be fixed in the processor 1501, in which case the processor 1501 can be implemented by hardware.

[0537] Embodiments of the present application also provide a computer readable storage medium storing a computer program, which, when executed by a processor, can implement the steps performed by the electronic device 100 in the foregoing method embodiments.

[0538] Embodiments of the present application also provide a computer readable storage medium storing a computer program, which, when executed by a processor, can implement the steps performed by the payment device 200 in the foregoing method embodiments.

[0539] Embodiments of the present application also provide a computer program product including a computer program, which, when executed on a computer, causes the computer to implement the steps performed by the electronic device 100 in the foregoing method embodiments.

[0540] Embodiments of the present application also provide a computer program product including a computer program, which, when executed on a computer, causes the computer to implement the steps performed by the payment device 200 in the foregoing method embodiments.

[0541] The embodiment of the present application further provides a chip system, the chip system comprising a processing circuit interface circuit, the interface circuit is used for receiving code instructions and transmitting to the processing circuit, the processing circuit is used for running the code instructions so that the chip system realizes the steps executed by the electronic device 100 in any method embodiment of the present application. Wherein, the chip system can be a single chip, or a chip module composed of multiple chips.

[0542] The embodiment of the present application further provides a chip system, the chip system comprising a processing circuit interface circuit, the interface circuit is used for receiving code instructions and transmitting to the processing circuit, the processing circuit is used for running the code instructions so that the chip system realizes the steps executed by the electronic device 100 in any method embodiment of the present application. Wherein, the chip system can be a single chip, or a chip module composed of multiple chips.

[0543] The above-described and above-embodied examples are only used to illustrate the technical solutions of the present application, and not to limit them; although the foregoing embodiments of the present application have been described in detail, those skilled in the art should understand that they can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacements for some technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A near field communication (NFC) system, characterized by comprising: The application relates to an electronic device and a payment device. The payment device is configured to send, to the electronic device via NFC, an identification of one or more payment applications supported by the payment device for payment. The electronic device is configured to determine a target payment application from the one or more payment applications after receiving the identification of the one or more payment applications supported by the payment device for payment via the NFC, and display a payment page of the target payment application. The electronic device is further configured to complete payment with the payment device using the target payment application. The determination of the target payment application from the one or more payment applications includes:

2. The NFC system of claim 1, wherein, If only one payment application of the one or more payment applications supported by the payment device for payment is installed on the electronic device, the one payment application supported by the payment device for payment and installed on the electronic device is determined as the target payment application. If multiple candidate payment applications of the one or more payment applications supported by the payment device for payment are installed on the electronic device, and the multiple candidate payment applications include a default payment application set by a user, the default payment application is determined as the target payment application; or 3. The NFC system of claim 1, wherein, If multiple candidate payment applications of the one or more payment applications supported by the payment device for payment are installed on the electronic device, and the multiple candidate payment applications do not include a default payment application set by a user, a candidate payment application used by the user last time for payment or a candidate payment application used by the user most frequently for payment within a specified time period is determined as the target payment application. The electronic device is further configured to send, to the payment device via the NFC, a read tag command after the payment device enters a radio frequency field generated by the electronic device. The sending of the identification of the one or more payment applications supported by the payment device for payment to the electronic device via NFC includes:

4. The NFC system according to any one of claims 1-3, characterized in that, In response to the read tag command, the electronic device is configured to send, to the payment device via the NFC, a read tag response carrying the identification of the one or more payment applications supported by the payment device for payment. The electronic device is further configured to send, to the payment device via the NFC, a second card search request after the payment device enters the radio frequency field generated by the electronic device, the second card search request being used to indicate that the electronic device supports a second NFC protocol. The payment device is further configured to send, to the electronic device via the NFC, a second card search response in response to the second card search request, the second card search response being used to indicate that the payment device supports the second NFC protocol.

5. The NFC system of claim 4, wherein, The payment device is further configured to be in a PICC mode before entering the radio frequency field of the electronic device. The electronic device is further configured to be in an unlocked state and a PCD mode before the payment device enters the radio frequency field of the electronic device, and generate the radio frequency field when in the PCD mode.

6. The NFC system of claim 5, wherein, ​ ​ 7. The NFC system of claim 5, wherein, The payment device is further configured to be in a PCD mode and generate a radio frequency field when entering the radio frequency field of the electronic device; The electronic device is further configured to be in an unlocked state and a PICC mode before the payment device enters the radio frequency field of the electronic device; The payment device is further configured to send an open poll command to the electronic device through the NFC when entering the radio frequency field of the payment device while the electronic device is in the PICC mode, the open poll command being used to request the electronic device to switch to the PCD mode; The electronic device is further configured to send an open poll response to the payment device through the NFC when receiving the open poll command, the open poll response being used to indicate that the electronic device has received the open poll command; The electronic device is further configured to switch from the PICC mode to the PCD mode and generate a radio frequency field when in the PCD mode after sending the open poll response to the payment device through the NFC; The payment device is further configured to switch from the PCD mode to the PICC mode in response to the open poll command.

8. The NFC system of claim 7, wherein, The payment device is further configured to send a first card search request to the electronic device through the NFC before sending the open poll command to the electronic device through the NFC, the first card search request being used to indicate that the payment device supports a first NFC protocol; The electronic device is further configured to send a first card search response to the payment device through the NFC in response to the first card search request, the first card search response being used to indicate that the electronic device supports the first NFC protocol.

9. The NFC system of any of claims 1-3, wherein, The payment device is further configured to be in a PCD mode and generate a radio frequency field when entering the radio frequency field of the electronic device; The sending of the identification of the one or more payment applications supported by the payment device for payment to the electronic device through the NFC comprises: sending a write tag command to the electronic device through the NFC after the electronic device enters the radio frequency field generated by the payment device, the write tag command carrying the identification of the one or more payment applications supported by the payment device for payment; The electronic device is further configured to send a write tag response to the payment device through the NFC after determining the target payment application, the write tag response carrying the identification of the target payment application.

10. The NFC system according to any of claims 4-8, characterized by, The completion of the payment between the target payment application and the payment device comprises: sending a first payment command to the payment device through short-distance communication technology, the first payment command carrying the identification of the target payment application and the identification of a target payment account, the first payment command being used to request the payment device to perform a payment process; The payment receiving device is further configured to send payment information to a server of the target payment application after receiving the first payment command via the short-distance communication technology, the payment information including a payment amount, an identifier of the target payment account, and an identifier of a target payment receiving account, the payment information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target payment receiving account. The payment receiving device is further configured to send a first payment response to the electronic device via the short-distance communication technology, the first payment response carrying a payment result.

11. The NFC system of claim 9, wherein, The payment receiving device is further configured to send a second payment command to the electronic device via the short-distance communication technology after receiving the write tag response, the second payment command carrying an identifier of a target payment receiving account, the second payment command being used to request the electronic device to perform a payment process. The payment receiving device is further configured to complete the payment with the electronic device via the short-distance communication technology using the target payment application, including: The payment receiving device is further configured to send payment information to a server of the target payment application after receiving the second payment command via the short-distance communication technology, the payment information including a payment amount, an identifier of the target payment account, and an identifier of a target payment receiving account, the payment information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target payment receiving account. The electronic device is further configured to send a second payment response to the payment receiving device via the short-distance communication technology, the second payment response carrying a payment result.

12. The NFC system of claim 10, wherein, The payment result carried in the first payment response includes a first payment result or a second payment result, the first payment result being used to indicate a successful payment, and the second payment result being used to indicate a failed payment. The electronic device is further configured to output a payment completion prompt in response to the first payment response if the first payment result is carried in the first payment response, and output a payment failure prompt if the second payment result is carried in the first payment response.

13. The NFC system of claim 11, wherein, The payment result carried in the second payment response includes a third payment result or a fourth payment result, the third payment result being used to indicate a successful payment, and the fourth payment result being used to indicate a failed payment. The payment receiving device is further configured to output a payment receiving success prompt in response to the second payment response if the third payment result is carried in the second payment response, and output a payment receiving failure prompt if the fourth payment result is carried in the second payment response.

14. The NFC system according to any of claims 10-13, characterized by The short-distance communication technology includes any one or more of the following: the NFC, Bluetooth, wireless fidelity (Wi-Fi), and ultra-wideband (UWB).

15. A payment method applied to an electronic device, characterized by, The method includes: receiving an identifier of one or more payment applications supported by a payment receiving device for payment via NFC; determining a target payment application from the one or more payment applications, and displaying a payment page of the target payment application; completing the payment with the payment receiving device using the target payment application.

16. The method of claim 15, wherein, The determining of the target payment application from the one or more payment applications includes: If only one payment application of the one or more payment applications supported by the payment device is installed on the electronic device, the one payment application supported by the payment device and installed on the electronic device is taken as the target payment application.

17. The method of claim 15, wherein, In the case that the identification of the plurality of payment applications supported by the payment device is received by the NFC, the target payment application is determined from the one or more payment applications, comprising: If a plurality of candidate payment applications of the plurality of payment applications supported by the payment device are installed on the electronic device, and the plurality of candidate payment applications include a default payment application set by the user, the default payment application is taken as the target payment application; or, If a plurality of candidate payment applications of the plurality of payment applications supported by the payment device are installed on the electronic device, and the plurality of candidate payment applications do not include a default payment application set by the user, a candidate payment application used by the user last time or a candidate payment application used by the user most frequently in a specified time period is taken as the target payment application.

18. The method according to any one of claims 15-17, characterized by, The method further comprises: After the payment device enters the radio frequency field generated by the electronic device, a read tag command is sent to the payment device by the NFC, and the read tag command is used to request the payment device to send a read tag response to the electronic device; The identification of the one or more payment applications supported by the payment device is received by the payment device and sent by the NFC, comprising: In response to the read tag command, the read tag response carrying the identification of the one or more payment applications supported by the payment device is sent to the electronic device by the NFC.

19. The method of claim 18, wherein, The method further comprises: After the payment device enters the radio frequency field generated by the electronic device, a second card search request is sent to the payment device by the NFC, and the second card search request is used to indicate that the electronic device supports a second NFC protocol; The second card search response sent by the payment device and sent by the NFC is received, and the second card search response is used to indicate that the payment device supports the second NFC protocol.

20. The method of claim 19, wherein, The method further comprises: Before the payment device enters the radio frequency field of the electronic device, it is in an unlocked state and a PCD mode, and generates a radio frequency field when in the PCD mode.

21. The method of claim 19, wherein, The method further comprises: Before the payment device enters the radio frequency field of the electronic device, it is in an unlocked state and a PCD mode; The open polling command sent by the payment device and sent by the NFC is received, and the open polling command is used to request the electronic device to switch to the PCD mode; The open polling response is sent to the payment device by the NFC, and the open polling response is used to indicate that the electronic device has received the open polling command; After the open polling response is sent to the payment device by the NFC, the PCD mode is switched from the PICC mode, and a radio frequency field is generated when in the PCD mode.

22. The method of claim 21, wherein, Before receiving the opening polling command sent by the collection device through the NFC, the method further comprises: receiving a first card search request sent by the collection device through the NFC, the first card search request being used to indicate that the collection device supports a first NFC protocol; in response to the first card search request, sending a first card search response to the collection device through the NFC, the first card search response being used to indicate that the electronic device supports the first NFC protocol.

23. The method of any one of claims 15-17, wherein, The receiving of the identification of one or more payment applications supported by the collection device for payment sent by the collection device through the NFC comprises: after the electronic device enters the radio frequency field generated by the collection device, receiving a write tag command sent by the collection device through the NFC, the write tag command carrying the identification of one or more payment applications supported by the collection device for payment; The method further comprises: after determining the target payment application, sending a write tag response to the collection device through the NFC, the write tag response carrying the identification of the target payment application.

24. The method of any one of claims 18-22, wherein, The using of the target payment application to complete payment with the collection device comprises: sending a first payment command to the collection device through short-distance communication technology, the first payment command carrying the identification of the target payment application and the identification of a target payment account, the first payment command being used to request the collection device to execute a collection process; receiving a first payment response sent by the collection device through the short-distance communication technology, the first payment response carrying a payment result.

25. The method of claim 23, wherein, The method further comprises: after sending the write tag response to the collection device through the NFC, receiving a second payment command sent by the collection device through short-distance communication technology, the second payment command carrying the identification of a target collection account, the second payment command being used to request the electronic device to execute a payment process; The using of the target payment application to complete payment with the collection device through short-distance communication technology comprises: after receiving the second payment command through the short-distance communication technology, sending collection information to a server of the target payment application, the collection information comprising a payment amount, the identification of the target payment account and the identification of the target collection account, the collection information being used to request the server of the target payment application to transfer the payment amount from the target payment account to the target collection account; sending a second payment response to the collection device through the short-distance communication technology, the second payment response carrying a payment result.

26. The method of claim 24, wherein, The payment result carried in the first payment response comprises a first payment result or a second payment result, the first payment result being used to indicate payment success, and the second payment result being used to indicate payment failure; The method further comprises: in response to the first payment response, if the first payment result is carried in the first payment response, outputting a payment completion prompt, and if the second payment result is carried in the first payment response, outputting a payment failure prompt.

27. The method of claim 25, wherein, The payment result carried in the second payment response includes a third payment result or a fourth payment result, the third payment result is used to indicate that the payment is successful, and the fourth payment result is used to indicate that the payment fails.

28. The method of any one of claims 24-27, wherein, The short distance communication technology includes any one or more of the following: NFC, Bluetooth, Wi-Fi, and UWB.

29. A payment method applied to a payee device, the method comprising: The method comprises: receiving, through the NFC, an identification of one or more payment applications supported by the electronic device for payment; determining a target payment application from the one or more payment applications supported by the electronic device for payment; sending, through the NFC, an identification of the target payment application to the electronic device; completing payment with the target payment application of the electronic device.

30. The method of claim 29, wherein, Before receiving the identification of the one or more payment applications supported by the electronic device for payment, the method further comprises: sending, through the NFC, a first selection command to the electronic device, the first selection command being used to select a payment service; The receiving, through the NFC, the identification of the one or more payment applications supported by the electronic device for payment comprises: receiving, through the NFC, a first selection response sent by the electronic device, the first selection response carrying the identification of the one or more payment applications supported by the electronic device for payment.

31. The method of claim 29 or 30, wherein, The sending, through the NFC, the identification of the target payment application to the electronic device comprises: sending, through the NFC, a second selection command to the electronic device, the second selection command carrying the identification of the target payment application; The method further comprises: receiving, through the NFC, a second selection response sent by the electronic device, the second selection response being used to indicate that the electronic device successfully selects the target payment application.

32. The method of any one of claims 29-31, wherein, The determining the target payment application from the one or more payment applications supported by the electronic device for payment comprises: determining the target payment application based on the one or more payment applications supported by the electronic device for payment and the one or more payment applications supported by the payment device for payment.

33. The method of claim 32, wherein, The first selection response further carries capability information of the one or more payment applications supported by the electronic device for payment, the capability information being used to indicate payment capabilities of the payment applications; The determining the target payment application from the one or more payment applications supported by the electronic device for payment comprises: determining the target payment application based on the one or more payment applications supported by the electronic device for payment, the one or more payment applications supported by the payment device for payment, and the capability information of the one or more payment applications supported by the electronic device for payment.

34. The method of claim 33, wherein, The capability information includes priority and / or preferential information, the priority being used to indicate a priority set by the electronic device for the payment application, and the preferential information being used to indicate preferential strength when the payment application is used for payment.

35. The method of any one of claims 29-34, wherein, The completing payment with the target payment application of the electronic device comprises: sending, through the NFC, an order command to the electronic device, the order command carrying first order information; receive, through the NFC, an order response sent by the electronic device, the order response being used to indicate that the electronic device has received the order command; send, through the NFC, a transaction initialization command to the electronic device, the transaction initialization command being used to obtain a payment credential; if a first transaction initialization response sent by the electronic device is received after the transaction initialization command is sent to the electronic device through the NFC, initiate a payment collection process to a server of the target payment application based on the first payment credential and the first order information, the first transaction initialization response carrying the first payment credential.

36. The method of claim 35, wherein, The payment with the target payment application of the electronic device is further completed, and the method comprises: if a second transaction initialization response sent by the electronic device is received after the transaction initialization command is sent to the electronic device through the NFC, send, through the NFC, a wake-up command to the electronic device, the second transaction initialization response being used to indicate that the electronic device is in an unlocked state, the wake-up command carrying a wake-up identifier, an identifier of a target payment application, and the first order information, the wake-up command being used to instruct the electronic device to initiate a payment process to a server of the target payment application based on the first order information in the unlocked state.

37. The method of any one of claims 29-36, wherein, The payment with the target payment application of the electronic device is further completed, and the method comprises: send, through the NFC, a wake-up command to the electronic device, the wake-up command carrying a wake-up identifier, an identifier of a target payment application, and first order information, the wake-up command being used to instruct the electronic device to initiate a payment process to a server of the target payment application based on the first order information in the unlocked state.

38. The method of claim 37, wherein, Before the wake-up command is sent to the electronic device through the NFC, the payment with the target payment application of the electronic device is further completed, and the method comprises: send, through the NFC, an order command to the electronic device, the order command not carrying the first order information; receive, through the NFC, an order response sent by the electronic device, the order response being used to indicate that the electronic device has received the order command; send, through the NFC, a transaction initialization command to the electronic device, the transaction initialization command being used to obtain a payment credential; receive, through the NFC, a third transaction initialization response sent by the electronic device, the third transaction initialization response being used to indicate that the electronic device has received the transaction initialization command, the third transaction initialization response not carrying the first payment credential.

39. The method of any one of claims 29-38, wherein, The first order information comprises an order identifier of a first payment order and / or a payment amount of the first payment order.

40. A payment method applied to an electronic device, comprising: The method comprises: send, through the NFC, an identifier of one or more payment applications supported by the electronic device for payment to a payment collection device; receive, through the NFC, an identifier of a target payment application in the one or more payment applications supported by the electronic device for payment sent by the payment collection device; after receiving the identifier of the target payment application, complete payment with the payment collection device using the target payment application.

41. The method of claim 40, wherein, Before sending the identification of the one or more payment applications supported by the electronic device for payment to the payment-receiving device through the NFC, the method further comprises: receiving, through the NFC, a first selection command sent by the payment-receiving device, the first selection command being used for selecting a payment service; the sending of the identification of the one or more payment applications supported by the electronic device for payment to the payment-receiving device through the NFC comprises: sending, through the NFC, a first selection response to the electronic device, the first selection response carrying the identification of the one or more payment applications supported by the electronic device for payment.

42. The method of claim 40 or 41, wherein, the receiving, through the NFC, of the identification of a target payment application in the one or more payment applications supported by the electronic device for payment sent by the payment-receiving device comprises: receiving, through the NFC, a second selection command sent by the payment-receiving device, the second selection command carrying the identification of the target payment application; after receiving the second selection command sent by the payment-receiving device through the NFC, the method further comprises: sending, through the NFC, a second selection response to the payment-receiving device, the second selection response being used for indicating that the electronic device successfully selects the target payment application.

43. The method of claim 41, wherein, the first selection response further carries capability information of the one or more payment applications supported by the electronic device for payment, the capability information being used for indicating payment capabilities of the payment applications.

44. The method of claim 43, wherein, the capability information comprises priority and / or preferential information, the priority being used for indicating a priority set by the electronic device for the payment application, and the preferential information being used for indicating a preferential strength when the payment application is used for payment.

45. The method of any one of claims 40-44, wherein, the completion of payment between the electronic device and the payment-receiving device using the target payment application comprises: receiving, through the NFC, an order command sent by the payment-receiving device, the order command carrying first order information; sending, through the NFC, an order response to the payment-receiving device, the order response being used for indicating that the electronic device has received the order command; receiving, through the NFC, a transaction initialization command sent by the payment-receiving device, the transaction initialization command being used for obtaining a payment credential; after receiving the transaction initialization command, if the electronic device is in an unlocked state, sending, through the NFC, a first transaction initialization response to the payment-receiving device, the first transaction initialization response carrying a first payment credential, the first transaction initialization response being used for indicating that the electronic device initiates a payment-receiving process to a server of the target payment application based on the first payment credential.

46. The method of claim 45, wherein, the completion of payment between the electronic device and the payment-receiving device using the target payment application further comprises: after receiving the transaction initialization command, if the electronic device is in an unlocked state, sending, through the NFC, a second transaction initialization response to the payment-receiving device, the second transaction initialization response being used for indicating that the electronic device is in an unlocked state; receiving, through the NFC, a wake-up command sent by the payment-receiving device, the wake-up command carrying a wake-up identification, an identification of the target payment application, and the first order information; after receiving the wake-up command, unlocking the electronic device; After the electronic device is successfully unlocked, the target payment application initiates a payment process to a server of the target payment application based on the first order information and the first payment credential.

47. The method of claim 45, wherein, The payment using the target payment application and the payment device further includes: After receiving the transaction initialization command, if the electronic device is in an unlocked state, a second transaction initialization response is sent to the payment device via the NFC, the second transaction initialization response being used to indicate that the electronic device is in the unlocked state. After the second transaction initialization response is sent to the payment device via the NFC, the electronic device is unlocked. After the electronic device is successfully unlocked, the target payment application initiates a payment process to a server of the target payment application based on the first order information and the first payment credential.

48. The method of any one of claims 40-47, wherein, The payment using the target payment application and the payment device includes: The NFC receives a wake-up command sent by the payment device, the wake-up command carrying a wake-up identifier, an identifier of a target payment application, and first order information. After receiving the wake-up command, if the electronic device is in an unlocked state, the target payment application initiates a payment process to a server of the target payment application based on the first order information and the first payment credential. After receiving the wake-up command, if the electronic device is not in an unlocked state, the electronic device is unlocked, and after the electronic device is successfully unlocked, the target payment application initiates the payment process to the server of the target payment application based on the first order information and the first payment credential.

49. The method of claim 48, wherein, Before the NFC receives the wake-up command sent by the payment device, the payment using the target payment application and the payment device further includes: The NFC receives an order command sent by the payment device, the order command not carrying the first order information. The NFC sends an order response to the payment device, the order response being used to indicate that the electronic device has received the order command. The NFC receives a transaction initialization command sent by the payment device, the transaction initialization command being used to obtain a payment credential. The NFC sends a third transaction initialization response to the payment device, the third transaction initialization response being used to indicate that the electronic device has received the transaction initialization command, the third transaction initialization response not carrying the first payment credential.

50. The method of any one of claims 40-49, wherein, The first order information includes an order identifier of a first payment order and / or a payment amount of the first payment order.

51. An NFC system, characterized in that The method includes: An electronic device and a payment device; wherein The payment device is configured to perform the method of any one of claims 29-39. The electronic device is configured to perform the method of any one of claims 40-50.

52. An electronic device, comprising: The method includes: One or more processors, one or more memories, and a transceiver, wherein the transceiver, the one or more memories, and the one or more processors are coupled, the one or more memories are configured to store a computer program, and the transceiver is configured to transmit and / or receive a signal, and when the one or more processors execute the computer program, implement the payment method of any one of claims 15-28 or 40-50.

53. A cash receiving apparatus characterized by comprising: Comprising: One or more processors, one or more memories, and a transceiver, wherein the transceiver, the one or more memories, and the one or more processors are coupled, the one or more memories are configured to store a computer program, and the transceiver is configured to transmit and / or receive a signal, and when the one or more processors execute the computer program, implement the payment method of any one of claims 29-39.

54. A computer-readable storage medium, characterized in that, A computer program is stored, and when the computer program is executed by a processor, the payment method of any one of claims 15-28 or 40-50 is implemented.

55. A computer-readable storage medium, comprising: A computer program is stored, and when the computer program is executed by a processor, the payment method of any one of claims 29-39 is implemented.

56. A computer program product, characterised in that, Comprising a computer program, and when the computer program is executed by a processor, the payment method of any one of claims 15-28 or 40-50 is implemented.

57. A computer program product, characterised in that, Comprising a computer program, and when the computer program is executed by a processor, the payment method of any one of claims 29-39 is implemented.

58. A chip system, characterized by Comprising processing circuitry and interface circuitry, the interface circuitry is configured to receive code instructions and transmit to the processing circuitry, and the processing circuitry is configured to run the code instructions to perform the payment method of any one of claims 15-28 or 40-50.

59. A chip system, characterized by Comprising processing circuitry and interface circuitry, the interface circuitry is configured to receive code instructions and transmit to the processing circuitry, and the processing circuitry is configured to run the code instructions to perform the payment method of any one of claims 29-39.

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