Near field communication-based payment terminal and payment method

Abstract

One or more embodiments of the present description provide a near field communication (NFC)-based payment terminal and payment method. The payment terminal can be used as an extension device of a cash register device of a merchant, and can send payment information of the cash register device to a payer terminal such as a smart phone of a consumer in an NFC manner, so as to trigger the payer terminal to complete payment on the basis of the payment information. In addition, the payment terminal reuses part of an NFC antenna thereof as part of a housing of the payment terminal, so that the NFC antenna is exposed to the outside, and the NFC antenna is connected to the remaining part of the housing of the payment terminal by means of a plastic connection portion to form the entire housing body of the payment terminal. The payment method is applied to the payment terminal. Payment information sent by an external cash register device is sent to a payer terminal in the form of an electromagnetic signal by means of an NFC assembly of the payment terminal, so that the payer terminal completes payment on the basis of the payment information.

Description

Payment terminal and payment method based on near field communication TECHNICAL FIELD

[0001] One or more embodiments of the present specification relate to the technical field of near field communication, and particularly relate to a payment terminal and a payment method based on near field communication. BACKGROUND

[0002] Near field communication (NFC) is a short-range high-frequency radio technology that realizes non-contact identification and interconnection through NFC antenna to emit or receive electromagnetic wave signals.

[0003] The inventor found in the research process that various application scenarios based on NFC technology, such as payment scenarios, often require dedicated devices or systems, resulting in high application costs of NFC, which limits its popularity.

[0004] SUMMARY

[0005] In order to reduce the application cost of the payment scenario based on near field communication, one or more embodiments of the present specification provide a payment terminal and a payment method based on near field communication.

[0006] In a first aspect, one or more embodiments of the present specification provide a payment terminal based on near field communication, comprising: a near field communication component and a main control board; the near field communication component comprises an NFC antenna and an NFC control board; the NFC control board is connected with the main control board; the NFC control board is used to receive payment information sent by the main control board, and send the payment information in the form of electromagnetic signals through the NFC antenna.

[0007] In a possible implementation manner, the NFC control board is further used to: store the payment information as tag information, and send the tag information to a payment terminal through the NFC antenna after the payment terminal with the NFC function being turned on is triggered, so that the payment terminal completes payment according to the payment information.

[0008] In a possible implementation manner, the payment terminal further comprises: a first shell part; the NFC antenna comprises: a second shell part, and a coil part connected with the second shell part; the second shell part is made of metal material; the coil part is formed by winding a wire; the NFC antenna is connected with the first shell part through a plastic connecting part, so that the first shell part and the second shell part are spliced to form a shell body of the payment terminal.

[0009] In a possible implementation manner, the second shell part comprises a first end part of the shell body; the shape of the first end part is any one of a right-angle U shape, a round-angle U shape or an arc shape.

[0010] In a possible implementation, the second housing part includes a frame part of the first end part.

[0011] In a possible implementation, the plastic connecting part is a plastic body of a preset thickness formed by a nano-injection molding process.

[0012] In a possible implementation, the near field communication assembly further includes a conductive connecting piece, one end of the conductive connecting piece is connected with the coil part, and the other end of the conductive connecting piece is connected with the NFC control board, so that the NFC antenna and the NFC control board form a conductive loop.

[0013] In a possible implementation, the conductive connecting piece includes at least one of a conductive spring and a conductive cable.

[0014] In a possible implementation, one end of the conductive spring is welded to the coil part, and the other end of the conductive spring is connected with the NFC control board.

[0015] In a possible implementation, the payment information includes at least one of the following: merchant information, supported payment application programs, and link information of a payment page.

[0016] In a possible implementation, the main control board is in communication connection with a cash register device, configured to acquire the payment information sent by the cash register device, and forward the payment information to the NFC control board.

[0017] In a possible implementation, the payment terminal further includes an internet-based network communication assembly, and the main control board is in communication connection with the cash register device through the network communication assembly.

[0018] In a possible implementation, the payment terminal further includes a wired communication assembly, and the main control board is in communication connection with the cash register device through the wired communication assembly.

[0019] In a second aspect, one or more embodiments of the present specification provide a near field communication-based payment method applied to the payment terminal of the first aspect, and the payment method includes: acquiring payment information; and sending the payment information to a payment terminal in the form of an electromagnetic signal through a near field communication assembly of the payment terminal, so that the payment terminal completes payment according to the payment information.

[0020] In summary, the payment terminal based on near field communication provided in this embodiment can be used as an extension device of the existing cash register equipment of a merchant, so that the payment information of the cash register equipment can be sent to a payment terminal such as a smart phone of a consumer based on near field communication, thereby triggering the payment terminal to complete payment according to the payment information. Therefore, the payment terminal and the payment method provided in this embodiment realize the payment mode based on near field communication, without the need to make large-scale modification to the existing payment system, reduce the application cost of near field communication technology in the payment scenario, and facilitate wide promotion, thereby providing more payment modes for consumers. Therefore, the payment terminal and the payment method provided in this embodiment realize the payment mode based on near field communication, without the need to make large-scale modification to the existing payment system, reduce the application cost of near field communication technology in the payment scenario, and facilitate wide promotion, thereby providing more payment modes for consumers.

[0021] In the payment terminal based on near field communication provided in this embodiment, part of the NFC antenna can be multiplexed as part of the shell of the payment terminal, or in other words, part of the shell of the payment terminal is multiplexed as part of the NFC antenna. In this way, since the part of the metal shell constituting the NFC antenna is exposed, it is equivalent to externally placing part of the NFC antenna of the payment terminal, avoiding the shielding interference of other components inside the payment terminal, thereby improving the NFC signal strength and sensing sensitivity of the payment terminal, and ensuring the payment success rate. BRIEF DESCRIPTION OF DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of one or more embodiments of the present specification, the drawings needed in the embodiment description will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of one or more embodiments of the present specification, and other drawings can also be obtained by those skilled in the art without creative labor.

[0023] FIG. 1 is a structural schematic diagram of an NFC antenna provided in one or more embodiments of the present specification;

[0024] FIG. 2 is a top view structural diagram of an electronic product with an NFC antenna provided in one or more embodiments of the present specification;

[0025] FIG. 3 is an exploded view of an electronic product with an NFC antenna provided in one or more embodiments of the present specification;

[0026] FIG. 4 is another structural schematic diagram of an NFC antenna provided in one or more embodiments of the present specification;

[0027] FIG. 5 is a structural block diagram of a payment terminal based on near field communication provided in one or more embodiments of the present specification;

[0028] FIG. 6 is a schematic diagram of an application scenario of a payment terminal based on near field communication according to one or more embodiments of the present specification. DETAILED DESCRIPTION

[0029] The features and advantages of the one or more embodiments of the present specification will become more apparent from the detailed description in conjunction with the accompanying drawings.

[0030] The word "exemplary" is used herein to mean "serving as an example, instance, or illustration." Any implementation described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other implementations. Unless specifically stated otherwise, the drawings are not drawn to scale and the disclosure is not limited to the specific embodiments illustrated in the drawings.

[0031] Moreover, the technical features involved in the different implementations of the one or more embodiments of the present specification described below can be combined with each other as long as there is no conflict.

[0032] In the related art, for an electronic product with NFC function, if a metal shell is used, a ferrite is usually arranged between the NFC antenna and the metal shell to isolate the absorption of the magnetic field of the NFC antenna by the metal shell and to reduce the interference of the metal shell on the signal of the NFC antenna. However, the inventors have found in the research process that the isolation effect of the ferrite in the above scheme is limited and cannot completely eliminate the interference caused by the metal shell. Moreover, the ferrite can also increase the clearance distance between the NFC antenna and the metal shell, thereby limiting the size and position of the NFC antenna in the case of fixed size of the electronic product, and further affecting the NFC induction area.

[0033] Therefore, the one or more embodiments of the present specification provide an NFC antenna and an electronic product with the same.

[0034] FIG. 1 is a schematic diagram of a structure of an NFC antenna according to one or more embodiments of the present specification. FIG. 2 is a schematic diagram of a top view of an electronic product with the NFC antenna shown in FIG. 1. FIG. 3 is a schematic diagram of an exploded view of the electronic product with the NFC antenna shown in FIG. 1.

[0035] Referring to FIGS. 1-3, the NFC antenna 10 provided in the embodiment includes a second housing part 11 and a coil part 12. The second housing part 11 is made of metal material, such as aluminum alloy, stainless steel, etc.; the coil part 12 is formed by winding a wire multiple times from inside to outside (or from outside to inside), and the wire forming the coil part 12 can be a metal wire of copper, silver, aluminum, etc. The second housing part 11 and the coil part 12 are electrically connected and collectively serve as the NFC antenna, achieving transmission and reception of NFC signals, i.e., when current flows through, a magnetic field can be generated and electromagnetic waves (NFC signals) can be radiated outward; or when an external electromagnetic wave (NFC signal) is induced, a corresponding current signal is generated.

[0036] Meanwhile, in the embodiment, the NFC antenna 10 is connected to the first housing part 20 of the electronic product through a plastic connecting part 30; that is, in the embodiment, the second housing part 11 also serves as part of the housing of the electronic product on which the NFC antenna 10 is located, and is spliced with the first housing part 20 of the electronic product to form the entire housing body of the electronic product.

[0037] Optionally, the plastic connecting part 30 is a plastic body of a preset thickness formed by an injection molding process. As shown in FIG. 2, in the actual production process, the first housing part 20 and the NFC antenna 10 can be placed on a workbench at a preset position, and then a preset area containing the gap therebetween (such as the internal area of the electronic product shown by the dashed line frame in FIG. 2) is taken as an injection molding area, and a thermoplastic plastic is injected to form the plastic connecting part 30.

[0038] Optionally, the embodiment can also be based on a nano injection molding process, i.e., a nano molding technology (Nano Molding Technology, NMT), to first erode nano-level pits on the metal material surface in the above-mentioned preset area, and then to inject plastic to the metal surface, so that the plastic is filled into the nano-level pits, and after the plastic is solidified, it is integrated with the metal material, achieving firm connection of the first housing part 20 and the NFC antenna 10.

[0039] In other possible implementations, the above-mentioned plastic connecting part can also be made by other processes, such as coating, pouring, drop molding, etc., and a suitable process can be selected to prepare the plastic connecting part according to the generation equipment, application scenarios, etc., and the embodiment will not be enumerated one by one.

[0040] The plastic connecting part 30 not only fills the gap between the first shell part 20 and the NFC antenna 10, but also covers the surface of the NFC antenna 10 and part of the surface of the first shell part 20, so as to ensure the firm connection between the first shell part 20 and the NFC antenna 10. In addition, the greater the thickness of the plastic connecting part 30, i.e. the preset thickness, the greater the structural strength of the electronic product formed, and accordingly, the greater the thickness of the electronic product. Therefore, during the injection molding process, the speed and time of plastic ejection can be controlled according to the actual application requirements, so that the thickness of the plastic connecting part 30 formed finally meets the preset thickness.

[0041] In addition, in the embodiment, the plastic connecting part 30 can fill the gap between the first shell part 20 and the NFC antenna 10 during the molding process, not only achieving the firm connection between the two, but also insulating the first shell part 20 and the NFC antenna 10 due to the insulation of the plastic material, so as to avoid the signal influence of the first shell part 20 on the NFC antenna 10, and ensure the performance of the NFC antenna regardless of the material of the first shell part 20, including metal material and non-metal material.

[0042] As can be seen from the above description, in the embodiment, part of the metal shell of the electronic product, i.e. the second shell part, is connected with the coil part formed by winding the wire, and together constitutes the NFC antenna, and the connection and insulation between the NFC antenna and the remaining shell part, i.e. the first shell part, of the electronic product are achieved through the plastic connecting part. In this way, since the part of the metal shell constituting the NFC antenna is exposed, it is equivalent to externally placing the NFC antenna part of the electronic product, avoiding the shielding interference of other components of the electronic product, so as to improve the signal strength and sensing sensitivity of the NFC antenna. At the same time, the connection and insulation between the NFC antenna and the remaining shell part of the electronic product are achieved through the plastic connecting part, which can not only ensure firm connection, but also avoid the interference of the remaining shell part of the electronic product on the NFC antenna, and ensure the NFC performance of the electronic product. In addition, in the embodiment, without using additional shielding components such as ferrite, the size and shell material of the electronic product can be limited, the metal shell can be used, and the thickness of the electronic product does not need to be increased due to the clearance distance, and the NFC performance can be considered, and the related functions based on NFC communication in the electronic product can operate normally.

[0043] In a possible implementation manner, the second shell part 11 can be specifically a first end part of the shell body of the electronic product, and the shape of the first end part can be any one of a right-angle U shape, a round-angle U shape or an arc shape. As shown in FIG. 2, the electronic product has a first end part 21 on the right side, which is in an arc shape, and a second end part 22 on the left side, which is in a round-angle U shape.

[0044] In other possible implementation manners, the shape of the second housing part 11 can be designed according to the appearance requirement of the electronic product, and accordingly, the shape of the coil part 12 formed around the second housing part is not limited to the circular shape shown in FIG. 1. For example, if the first end part of the electronic product needs to be in a right-angle U shape according to the design requirement, as shown in FIG. 4, the second housing part 11' shown by the thick solid line is in a right-angle U shape, and the coil shape formed around the coil part 12' shown by the thin dotted line is a rectangle accordingly

[0045] In a possible implementation manner, the second housing part 11 can specifically include only the bezel part of the first end part. That is, the bottom of the first end part can be separately formed and connected to the second housing part 11 as a bezel part by means such as adhesion to form an integral whole; or the bottom of the first end part can also be integrally formed with the first housing part 20, so that when the first housing part 20 and the NFC antenna 10 are connected through the plastic connecting part 30, the housing body of the electronic product is also completely formed (including the entire bottom and the surrounding bezel part of the housing body).

[0046] In a possible implementation manner, as shown in FIG. 1, the two end points 121 and 122 of the metal wire forming the coil part 12 can be used as connection points for the connection of the NFC antenna and the NFC control board. As shown in FIG. 3, the NFC antenna 10 can be connected to the NFC control board 40 through the conductive connecting piece 50, so that the NFC control board 40 and the NFC antenna 10 form a conductive loop, so that the NFC control board can receive or send information through the NFC antenna.

[0047] In a possible implementation manner, the conductive connecting piece 50 can be two conductive springs as shown in FIG. 3; one end of each conductive spring is respectively welded to the connection points 121 and 122 on the coil part 12 of the NFC antenna 10, and the other end is movably connected to the corresponding contact point on the NFC control board.

[0048] In other possible implementation manners, the conductive connecting piece 50 can also be a conductive cable such as a jumper wire; in addition, the connection points of the conductive connecting piece 50 on the NFC antenna are not limited to the end points 121 and 122 shown in FIG. 1, and can be any two points on the coil part 12. In actual application scenarios, appropriate connection points and conductive connecting pieces can be selected according to the design requirement of the corresponding electronic product, which will not be listed one by one in this embodiment.

[0049] In this embodiment, the second housing part and the coil part constituting the NFC antenna 10 can be considered as a series connection or a parallel connection, which is determined by the connection manner of the two.

[0050] As shown in FIG. 1, the coil part 12 is formed by winding a wire from the end point 121 to the end point 122, i.e., the coil part 12 is actually formed by a wire. The two ends of the second housing part 11 are connected to the two points 123 and 124 on the coil part 12 by welding or the like, so that the wire segment between the two points 123 and 124 on the coil part 12 is in parallel connection with the second housing part 11.

[0051] As shown in FIG. 4, the coil part 12 can also be formed by two wires: one wire between the end point 121' and the connection point 123', and the other wire between the end point 122' and the connection point 124'. The two wires are connected to the two ends of the second housing part 11' at the connection points 123' and 124' respectively. In this way, the coil part 12' and the second housing part 11' in the NFC antenna shown in FIG. 4 are in series connection.

[0052] In the embodiment, the positions and number of the connection points of the coil part and the second housing part are not limited to those shown in FIG. 1 and FIG. 4. For example, in some possible implementations, in the case of using a wire for the coil part, the wire segment adjacent to the second housing part, such as the wire segment between the connection points 123 and 124 in FIG. 1, can be connected to the inner wall of the second housing part completely, or can be welded to one or more points on the inner wall of the second housing part in addition to the two ends of the second housing part. In actual application scenarios, the specific connection mode of the coil part and the second housing part can be determined in combination with manufacturing equipment, process, conductivity and the like.

[0053] Based on the same inventive concept, one or more embodiments of the present specification also provide an electronic product. Referring to FIG. 2 and FIG. 3, the electronic product can include a first housing part 20 and an NFC antenna 10.

[0054] The NFC antenna 10 includes a second housing part and a coil part connected to the second housing part. The second housing part is made of metal, and the coil part is formed by winding a wire.

[0055] The NFC antenna 10 is connected to the first housing part 20 by a plastic connecting part 30, so that the first housing part 20 and the second housing part in the NFC antenna 10 are spliced to form the entire housing body of the electronic product, and the NFC antenna 10 is also firmly connected to the first housing part 20.

[0056] The connection between the second housing part and the coil part in the NFC antenna 10 is as described in the foregoing embodiments, and will not be described again here. The second housing part can specifically be a first end part of the electronic product housing body. The first end part can have any one of a right-angle U shape, a round-angle U shape, or an arc shape. Optionally, the second housing part can specifically be a bezel part of the first end part. The bottom of the first end part can be integrally formed with the first housing part 20, or the bottom of the first end part can be a detachable independent part connected with the first housing part 20 and the NFC antenna 10 through a process such as injection molding.

[0057] The plastic connecting part 30 can be prepared through an injection molding process or a nano injection molding process, and its thickness can be set according to actual application scenarios to ensure firm connection between the first housing part 20 and the NFC antenna 10 and the strength of the electronic product. In addition, since the plastic connecting part 30 is an insulating plastic body, it can play an insulating role between the first housing part 20 and the NFC antenna 10, avoiding the influence of the first housing part 20 being made of metal on the signal strength and radiation range of the NFC antenna 10.

[0058] Continuing to refer to FIG. 3, the electronic product can further include a conductive connecting piece 50 and an NFC control board 40. One end of the conductive connecting piece 50 is connected with the NFC antenna 10, and the other end is connected with the NFC control board 40, so that the NFC antenna 10 and the NFC control board 40 form a conductive loop.

[0059] Optionally, the conductive connecting piece 50 can be a conductive spring. One end of the conductive spring can be welded at any point on the coil part of the NFC antenna 10 to realize connection with the NFC antenna 10.

[0060] Optionally, the conductive connecting piece 50 can also be a conductive cable such as a jumper wire. The specific connection mode can refer to the connection mode of an integrated circuit board or an electronic device in related technologies, and will not be listed one by one here.

[0061] In this embodiment, the NFC control board 40 can integrate an NFC controller, a security chip, etc. The NFC controller, i.e., an NFC chip, is used to realize the processing flow defined in modes such as card simulation, reader, and point-to-point. The security chip is used to realize the processing flow related to sensitive data and encryption operation, to ensure the security of the NFC communication process. The specific processing flow of the NFC controller and the security chip can refer to related technologies, and will not be described again here.

[0062] The NFC control board 40 and the NFC antenna 10 are connected to form a closed circuit, and the conversion of digital information and electromagnetic signals (i.e., NFC signals) can be achieved. The working process includes but is not limited to: the NFC control board 40 can convert digital information into an analog current signal and output it to the NFC antenna 10, so that an electromagnetic field is generated around the NFC antenna 10, and electromagnetic signals (i.e., NFC signals) are radiated outward, so that other devices with NFC function can receive the NFC signals; the NFC antenna 10 can also receive electromagnetic signals radiated by other devices with NFC function, so as to trigger the NFC antenna 10 to generate an electromagnetic field and generate a corresponding current signal, and the NFC control board 40 receives the current signal and obtains the corresponding digital signal through the processes of analog-to-digital conversion, identification, etc.

[0063] From the functional point of view, the electronic product can be a device with NFC card or NFC electronic tag reading and writing function, or a device with NFC card simulation function, or a device with NFC-based point-to-point communication function, or a device with the above three functions.

[0064] From the product form, the electronic product can be a mobile phone, a tablet computer, a smart watch, etc. Based on different functions or product forms, the electronic product can further include one or more of the following functional components: a display screen, a main control board, a mobile communication component, a memory, a power supply, etc.

[0065] From the application scenario, the electronic product can be applied to terminals in payment, access control, security, identity recognition, etc.

[0066] When applied to the payment scenario, the electronic product can be a payment terminal based on near field communication. FIG. 5 is a structural block diagram of the payment terminal. As shown in FIG. 5, the payment terminal 600 can include a near field communication component 610 and a main control board 620; the near field communication component 610 includes an NFC antenna 611 and an NFC control board 612. The NFC control board 612 is connected with the main control board 620, such as through the input and output pins of the two, through parallel bus connection or through serial interface connection, etc.

[0067] The NFC control board 612 is configured to receive payment information sent by the main control board 620 and send the payment information out in the form of electromagnetic signals through the NFC antenna 611.

[0068] In a possible implementation, the payment terminal 600 can further include a first housing part. The NFC antenna 611 includes a second housing part and a coil part connected with the second housing part; the second housing part is made of metal; and the coil part is formed by winding a wire.

[0069] The NFC antenna 611 is connected with the first housing part through the plastic connecting part, so that the first housing part and the second housing part splice to form the housing body of the payment terminal 600 to accommodate the main control board 620, the NFC control board 612 and other components.

[0070] In a possible implementation, the second housing part includes a first end of the housing body of the payment terminal 600; and the first end is in any one of a right-angle U shape, a round-angle U shape or an arc shape.

[0071] Optionally, the second housing part includes a frame part of the first end.

[0072] In a possible implementation, the plastic connecting part is a plastic body with a preset thickness formed through a nano injection molding process.

[0073] In a possible implementation, the near field communication assembly 610 further includes a conductive connecting piece; one end of the conductive connecting piece is connected with the coil part, and the other end is connected with the NFC control board 612, so that the NFC antenna 611 and the NFC control board 612 form a conductive loop to generate an electromagnetic field and radiate an electromagnetic signal.

[0074] Optionally, the conductive connecting piece can be a conductive spring piece or a conductive cable. If the conductive connecting piece is the conductive spring piece, one end of the conductive spring piece is welded on the coil part, and the other end is movably connected with the NFC control board.

[0075] The above describes some feasible actual product structures of the payment terminal 600, in which a part of the NFC antenna is reused as part of the housing of the payment terminal, or part of the housing of the payment terminal is reused as a part of the NFC antenna of the payment terminal; in this way, since the part of the metal housing constituting the NFC antenna is exposed, the NFC antenna of the payment terminal is equivalent to being partially exposed, avoiding the shielding interference of other components in the payment terminal, so that the NFC signal strength and the sensing sensitivity of the payment terminal can be improved, and the payment success rate can be ensured.

[0076] It should be noted that the first housing part, the second housing part, the coil part, the NFC control board, the plastic connecting part and the conductive connecting piece in the payment terminal 600 correspond to the second housing part 11 and 11', the first housing part 20, the coil part 12 and 12', the NFC control board 40, the plastic connecting part 30 and the conductive connecting piece 50 in the foregoing embodiments and FIGS. 1-4 respectively, and the specific implementation manners and beneficial effects thereof can be mutually referred to, which will not be described herein again.

[0077] In a possible implementation, the payment terminal 600 can be an active device, and actively send the payment information, i.e., the NFC control board 612 actively outputs a current signal to the NFC antenna 611, so as to form an electromagnetic field, and radiate the payment information in the form of an electromagnetic signal; other payment terminals with NFC function can sense the electromagnetic signal when they are close to the payment terminal and reach a certain distance, so as to receive the payment information.

[0078] In a possible implementation, the payment terminal 600 can also be a passive device, and passively send the payment information, i.e., the NFC control board 612 stores the payment information as tag information after receiving the payment information sent by the main control board 620; other payment terminals with NFC function are active devices, and when they are close to the payment terminal and reach a certain distance, an electromagnetic field generated by the NFC component of the payment terminal can excite the NFC component of the payment terminal to induce, so as to trigger the NFC control board 612 to transmit the payment information to the above-mentioned payment terminal in the form of an electromagnetic signal through the NFC antenna 611.

[0079] After receiving the payment information, the payment terminal can start a preset authorization payment process according to the payment information, and complete payment.

[0080] In a possible implementation, the payment information includes at least one of the following: merchant information, supported payment application, and link information of a payment page.

[0081] After receiving the payment information sent by the payment terminal, the payment terminal can access and display a payment page, merchant information, or start a corresponding payment application according to the link information of the payment page. The payment page, payment application, and the like can follow the related settings in the existing payment mode, i.e., the embodiment can realize linkage with the existing payment process, transmit payment information in the near field communication mode, and use the payment information as trigger information of the related authorization and payment process, so that the existing payment process or payment system does not need to be greatly changed, and the payment mode based on NFC can be compatible.

[0082] FIG. 6 is a schematic diagram of an application scenario of the payment terminal provided in the embodiment. As shown in FIG. 6, the payment terminal 600 provided in the embodiment is in communication connection with a cash register device 700 of a merchant through the main control board 620, so as to obtain payment information generated by the cash register device; and then the payment terminal 600 sends the payment information to a payment terminal 800 based on a near field communication (NFC) mode through the near field communication component 610, so as to trigger the payment terminal 800 to start a preset authorization and payment process.

[0083] In a possible implementation, the payment terminal 600 can further include an Internet-based network communication component; and the main control board 620 is connected to the cash register 700 through the network communication component.

[0084] In a possible implementation, the payment terminal 600 can further include a wired communication component, such as a USB interface, so that the main control board 620 can be connected to the cash register 700 through the wired communication component.

[0085] As described above, the payment terminal 600 provided by the embodiment can be used as a portable extension device of the existing cash register of a merchant, so that the payment information of the cash register can be sent to the payment terminal 800 of a consumer, such as a smart phone, based on near field communication, so as to trigger the payment terminal 800 to complete payment according to the payment information. It can be seen that the payment terminal based on near field communication provided by the embodiment implements a payment method based on near field communication, does not need to make large-scale improvements to the existing payment system, reduces the application cost of near field communication technology in the payment scenario, is convenient for wide promotion, and provides more payment methods for consumers.

[0086] In addition, the embodiment of the present specification further provides a payment method based on near field communication, which is applied to the payment terminal based on near field communication provided by any one of the above embodiments; the payment method includes the following steps: obtaining payment information; the payment information can be payment information sent by the cash register and received by the main control board of the payment terminal, including merchant information, supported payment application programs, and the like; and sending the payment information to the payment terminal in the form of an electromagnetic signal through the near field communication component of the payment terminal, so as to make the payment terminal complete payment according to the payment information.

[0087] Optionally, the payment terminal can perform payment authorization according to the payment information, send transaction identification information containing consumer account information to a payment server, and the like.

[0088] Through the above payment method embodiment, the payment based on near field communication can be realized without making large improvements to the existing payment process, which is convenient for wide promotion and provides more payment methods for consumers.

[0089] Each of the embodiments in the present specification is described in a progressive manner, and the same or similar parts of each of the embodiments can be referred to each other. Each of the embodiments mainly describes the difference from other embodiments. In particular, the device and system embodiments are basically similar to the method embodiments, so the description is relatively simple, and the related parts can be referred to the part of the method embodiment.

[0090] In this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, without necessarily requiring or implying any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Those skilled in the art will understand the specific meaning of the above terms in one or more embodiments of this specification, depending on the specific circumstances.

[0091] It should be noted that, unless otherwise specified, one or more embodiments and features thereof in this specification can be combined with each other. This specification is not limited to any single aspect, nor to any single embodiment, nor to any combination and / or substitution of such aspects and / or embodiments. Furthermore, each aspect and / or embodiment of one or more embodiments of this specification can be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0092] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of one or more embodiments of this specification, and are not intended to limit them. Although one or more embodiments of this specification have been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of one or more embodiments of this specification, and they should all be covered within the scope of the claims and the specification of one or more embodiments of this specification.

[0093] The foregoing description of one or more embodiments of this specification has been provided in conjunction with optional implementation methods. However, these embodiments are merely exemplary and serve only an illustrative purpose. Based on this, various substitutions and modifications can be made to one or more embodiments of this specification, all of which fall within the protection scope of one or more embodiments of this specification.

Claims

1. A payment terminal based on near field communication, characterized in that, The payment terminal comprises: a near field communication assembly and a main control board; the near field communication assembly comprises an NFC antenna and an NFC control board; the NFC control board is connected with the main control board; the NFC control board is configured to receive payment information sent by the main control board and send the payment information in the form of electromagnetic signals through the NFC antenna.

2. The payment terminal of claim 1, wherein, The NFC control board is further configured to: store the payment information as tag information and send the tag information to a payment terminal with an open NFC function through the NFC antenna after the payment terminal triggers the tag information, so that the payment terminal completes payment according to the payment information.

3. The payment terminal of claim 1, wherein, The payment terminal further comprises: a first housing part; the NFC antenna comprises a second housing part and a coil part connected with the second housing part; the second housing part is made of metal; and the coil part is formed by winding a wire; the NFC antenna is connected with the first housing part through a plastic connecting part, so that the first housing part and the second housing part are spliced to form a housing body of the payment terminal.

4. The payment terminal of claim 3, wherein, The second housing part comprises a first end part of the housing body; and the first end part has any one of a right-angle U shape, a round-angle U shape or an arc shape.

5. The payment terminal of claim 4, wherein, The second housing part comprises a frame part of the first end part.

6. The payment terminal of claim 3, wherein, The plastic connecting part is a plastic body with a preset thickness formed by a nano injection molding process.

7. The payment terminal of claim 3, wherein, The near field communication assembly further comprises a conductive connecting piece; one end of the conductive connecting piece is connected with the coil part, and the other end is connected with the NFC control board, so that the NFC antenna and the NFC control board form a conductive loop.

8. The payment terminal of claim 7, wherein, The conductive connecting piece comprises at least one of a conductive spring and a conductive cable.

9. The payment terminal of claim 8, wherein, One end of the conductive spring is welded on the coil part, and the other end is connected with the NFC control board.

10. The payment terminal of claim 1, wherein, The payment information comprises at least one of: merchant information, supported payment application programs, and link information of a payment page.

11. The payment terminal of claim 1, wherein, The main control board is in communication connection with a cash register device, configured to obtain the payment information sent by the cash register device and forward the payment information to the NFC control board.

12. The payment terminal of claim 11, wherein, The payment terminal further comprises: an internet-based network communication assembly; the main control board is in communication connection with the cash register device through the network communication assembly.

13. The payment terminal of claim 11, wherein, The payment terminal further comprises: a wired communication assembly; the main control board is in communication connection with the cash register device through the wired communication assembly.

14. A payment method based on near field communication, characterized by, The payment method is applied to the payment terminal as claimed in any one of claims 1 to 13. The payment method comprises: obtaining payment information; sending the payment information in the form of electromagnetic signals to a payment terminal through a near field communication assembly of the payment terminal, so that the payment terminal completes payment according to the payment information.

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