NFC-based student service processing

Abstract

Disclosed in the embodiments of the present description is an NFC-based student service processing solution, which is applied to a merchant NFC device. The solution comprises: receiving a student service trigger instruction sent by a merchant point-of-sale device, and in response to the student service trigger instruction, entering a student identity verification state; in the student identity verification state, if a user mobile terminal approaches an NFC sensing area on a merchant NFC device, performing NFC communication with the user mobile terminal, such that the merchant NFC device or the merchant point-of-sale device obtains a result of student identity verification of a target user corresponding to the user mobile terminal, wherein the student identity verification is quickly completed on the basis of user information on a platform that is provided by a service provider of the merchant NFC device and is connected to a plurality of different merchants; and on the basis of a situation where the merchant NFC device or the merchant point-of-sale device executes, in response to the result, a corresponding student benefit payment service for the target user, prompting payment state information.

Description

NFC Student Business Processing Technical Field

[0001] This specification relates to the field of near-field communication technology, and in particular to NFC student service processing methods, devices, and equipment. Background Technology

[0002] With the development of internet technology and the widespread use of smartphones, more and more businesses can be conducted through corresponding applications on smartphones, bringing great convenience to people's lives.

[0003] To attract traffic and enhance brand influence, many merchants launch various online promotional activities. These promotions usually allow users to scan a QR code to receive coupons or directly claim coupons within the merchant's app. Any registered user can claim and use these coupons, which is quite convenient.

[0004] In practical applications, applicants have also noticed that some merchants are starting to pay attention to the student group and want to launch exclusive benefits specifically for students. The reasons are as follows: on the one hand, students have relatively weak spending power, so such exclusive benefits can more effectively win the favor of students, making them more likely to become loyal customers of merchants; on the other hand, students have social attributes and are more likely to spread word-of-mouth about merchants among themselves. Moreover, they often appear in groups of three to five or even larger groups offline, resulting in a high concentration of traffic. Exclusive benefits can help to acquire student traffic more efficiently.

[0005] Of course, students need to verify their student identity to obtain these exclusive benefits. Common methods include showing a physical student ID to the store clerk, or registering detailed information such as name, ID number, school name, and student ID in the merchant's application. The former method is susceptible to fraud, and students may not carry their physical student IDs, making verification inefficient for store clerks. The latter method requires students to manually fill in a significant amount of information on the spot, and this needs to be repeated for different merchants, making the process cumbersome and inefficient.

[0006] Therefore, there is a need for solutions that can help students conduct student rights matters more conveniently, efficiently, and safely. Summary of the Invention

[0007] This specification provides one or more embodiments of NFC student service processing methods, apparatus, and devices to solve the following technical problem: the need for solutions that help students conduct student rights services more conveniently, efficiently, and securely.

[0008] To solve the above-mentioned technical problems, one or more embodiments of this specification are implemented as follows.

[0009] This specification provides an NFC student service processing method according to one or more embodiments, applied to a merchant NFC device. The method includes: receiving a student service trigger instruction sent by a merchant POS device, and entering a student authentication state in response to the student service trigger instruction; in the student authentication state, if a user's mobile terminal is close to the NFC sensing area on the merchant NFC device, NFC communication is performed with the user's mobile terminal, enabling the merchant NFC device or the merchant POS device to obtain the student authentication result of the target user corresponding to the user's mobile terminal, wherein the student authentication is quickly completed based on user information provided by the service provider of the merchant NFC device on a platform that connects to multiple different merchants; and displaying payment status information based on the merchant NFC device or the merchant POS device's response to the result and the execution of corresponding student rights payment services for the target user.

[0010] This specification provides another NFC student service processing method, applied to a user's mobile terminal, through one or more embodiments. The method includes: after a merchant's NFC device enters a student authentication state in response to a student service trigger command sent by a merchant's POS device, the user approaches the NFC sensing area on the merchant's NFC device to conduct NFC communication; triggered by the NFC communication, the user automatically enters the corresponding service page and calls the student authentication service provided by the platform on the service page to quickly complete student authentication based on user information on the platform, wherein the platform is provided by the service provider of the merchant's NFC device and connects to multiple different merchants; obtaining the result of the student authentication, so that the merchant's NFC device or the merchant's POS device responds to the result and performs the corresponding student rights payment service for the target user, displaying payment status information.

[0011] This specification provides an NFC student service processing device according to one or more embodiments, applied to a merchant NFC device. The device includes: a verification state entry module, which receives a student service trigger command sent by a merchant POS device and enters a student identity verification state in response to the student service trigger command; an NFC communication verification module, which, in the student identity verification state, if a user's mobile terminal is close to the NFC sensing area on the merchant NFC device, communicates with the user's mobile terminal via NFC to enable the merchant NFC device or the merchant POS device to obtain the student identity verification result of the target user corresponding to the user's mobile terminal, wherein the student identity verification is quickly completed based on user information provided by the service provider of the merchant NFC device on a platform that connects to multiple different merchants; and a payment status prompt module, which prompts payment status information based on the merchant NFC device or the merchant POS device's response to the result and the execution of the corresponding student rights payment service for the target user.

[0012] This specification provides one or more embodiments of an NFC student service processing device applied to a user's mobile terminal. The device includes: a proximity NFC communication module, which, after a merchant NFC device responds to a student service trigger command sent by a merchant POS device and enters a student authentication state, approaches the NFC sensing area on the merchant NFC device to conduct NFC communication with the merchant NFC device; a student quick verification module, which, triggered by the NFC communication, automatically enters the corresponding service page and calls the student authentication service provided by the platform on the service page to quickly complete student authentication based on user information on the platform, wherein the platform is provided by the service provider of the merchant NFC device and connects to multiple different merchants; and a payment continuation processing module, which obtains the result of the student authentication so that the merchant NFC device or the merchant POS device responds to the result and performs the corresponding student rights payment service for the target user, and displays payment status information.

[0013] This specification provides one or more embodiments of an NFC student service processing device, applied to a merchant NFC terminal. The device includes: at least one processor; and a memory communicatively connected to the at least one processor. The memory stores instructions executable by the at least one processor, which, when executed, enable the at least one processor to: receive a student service trigger instruction sent by a merchant POS device, and in response to the student service trigger instruction, enter a student authentication state; in the student authentication state, if a user's mobile terminal approaches the NFC sensing area on the merchant NFC terminal, NFC communication is performed with the user's mobile terminal, enabling the merchant NFC terminal or the merchant POS device to obtain the student authentication result of the target user corresponding to the user's mobile terminal, wherein the student authentication is quickly completed based on user information provided by the service provider of the merchant NFC terminal on a platform connecting to multiple different merchants; and, based on the merchant NFC terminal or the merchant POS device's response to the result, perform corresponding student benefit payment services for the target user, and display payment status information.

[0014] This specification provides one or more embodiments of an NFC student service processing device applied to a user mobile terminal. The device includes: at least one processor; and a memory communicatively connected to the at least one processor. The memory stores instructions executable by the at least one processor, which, when executed, enable the at least one processor to: after a merchant NFC device enters a student authentication state in response to a student service trigger instruction sent by a merchant POS device, approach the NFC sensing area on the merchant NFC device to perform NFC communication; under the trigger of the NFC communication, automatically enter the corresponding service page and invoke the student authentication service provided by the platform on the service page, quickly completing student authentication based on user information on the platform, wherein the platform is provided by the service provider of the merchant NFC device and connects to multiple different merchants; obtain the result of the student authentication, so that the merchant NFC device or the merchant POS device, in response to the result, performs the corresponding student rights payment service for the target user, and displays payment status information.

[0015] The above-mentioned at least one technical solution adopted in one or more embodiments of this specification can achieve the following beneficial effects: Based on the merchant's NFC device and the platform capabilities of the merchant's NFC device service provider, a quick channel for student identity verification is provided for users. In this case, merchants can easily access NFC interaction capabilities and student identity verification support capabilities by connecting their POS devices to the merchant's NFC device without much modification to the POS device. When the merchant needs to provide services to students, the merchant's NFC device can be triggered to enter the student identity verification state through the merchant's POS device. Then, the student only needs to "tap" (the distance is close enough) their NFC-enabled mobile terminal to the merchant's POS device to trigger convenient access to platform capabilities on the mobile terminal. For example, based on their personal information or historical usage on the platform, the student can quickly complete the student identity verification, thereby obtaining the corresponding student rights, and smoothly continue to use the student rights through the merchant's POS device or merchant's NFC device to conduct student rights business. This process is convenient and efficient, backed by a secure platform. Even when conducting business with different merchants connected to the platform, there is no need to re-enter relevant verification information, and merchants do not need to develop their own verification functions. Therefore, it is very user-friendly for both students and merchants. Attached Figure Description

[0016] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0017] Figure 1 is a flowchart illustrating an NFC student service processing method provided in one or more embodiments of this specification.

[0018] Figure 2 is a flowchart illustrating a two-step NFC interaction processing scheme provided in one or more embodiments of this specification.

[0019] Figure 3 is a schematic diagram of one implementation scheme of the solution in Figure 1 in an application scenario provided by one or more embodiments of this specification.

[0020] Figure 4 is a flowchart illustrating an auxiliary judgment scheme for the scheme in Figure 2 provided by one or more embodiments of this specification.

[0021] Figure 5 is a schematic diagram of another implementation scheme of the solution in Figure 1 in an application scenario provided by one or more embodiments of this specification.

[0022] Figure 6 is a flowchart illustrating another NFC student service processing method provided in one or more embodiments of this specification.

[0023] Figure 7 is a schematic diagram of the structure of an NFC student service processing device provided in one or more embodiments of this specification.

[0024] Figure 8 is a structural schematic diagram of another NFC student service processing device provided in one or more embodiments of this specification.

[0025] Figure 9 is a structural schematic diagram of another NFC student service processing device provided in one or more embodiments of this specification.

[0026] Figure 10 is a schematic diagram of another NFC student service processing device provided in one or more embodiments of this specification. Detailed Implementation

[0027] This specification provides NFC student service processing methods, apparatus, devices, and storage media through its embodiments.

[0028] To enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this application.

[0029] To address the issues in the background technology, this application proposes extending the connection of existing merchant POS devices to NFC terminals provided by payment service providers (or other service providers), referred to as merchant NFC terminals. Furthermore, the application integrates the fast student identity authentication capability built on the payment service provider's platform into the merchant NFC terminals. This allows different merchants and students to primarily interact via NFC to achieve more unified and faster student identity authentication, enabling smooth and efficient use of corresponding student rights for business transactions. This solution also effectively reduces the transformation and deployment costs for merchants (primarily referring to additional development costs) while enhancing the platform's competitiveness, creating a win-win situation for all parties.

[0030] Based on this overall approach, the solution proposed in this application will be further explained below.

[0031] For ease of description, we will first focus on Figure 1 and describe it from the perspective of the merchant's NFC device. Figure 1 is a flowchart illustrating one or more embodiments of an NFC student service processing method provided in this specification. The executing entity of this process may include the merchant's NFC device, and at the software level, it may specifically involve the operating system of the merchant's NFC device and the business applications mounted on the merchant's NFC device, such as payment applications or other types of applications provided by payment service providers, or mini-programs integrated into these applications.

[0032] The process in Figure 1 includes the following steps.

[0033] S102: Receive the student service trigger instruction sent by the merchant's POS device, and in response to the student service trigger instruction, enter the student authentication state.

[0034] Merchants typically already have merchant POS devices (such as desktop cash registers or handheld POS machines) and POS software deployed at their checkout counters. This is common infrastructure at checkout counters, supporting one or more basic payment methods, such as bank card payments, membership card payments, and QR code payments. However, it may not yet support NFC payments. Store clerks rely on these basic devices to process payments. Alternatively, this infrastructure can be self-service, requiring no staff intervention; users can complete the checkout process themselves. This infrastructure can be provided by different service providers, and the cash registers and POS software used by different merchants may also vary.

[0035] To further enable merchants to access NFC capabilities, payment service providers can offer merchant NFC terminals. These terminals can connect to merchant POS devices wirelessly or via wired connection, providing NFC capabilities to assist the POS devices in their operation and enabling the POS devices to indirectly support NFC payment methods.

[0036] In most cases, the service provider for the merchant's POS equipment and cash register may not be the payment service provider. The NFC access services provided by the payment service provider can be compatible with a variety of different merchant POS equipment and cash registers, thus providing convenience for more merchants.

[0037] Additionally, it should be noted that merchant POS devices and merchant NFC terminals can also be integrated into a single device, especially when they are provided by the same service provider. In this case, the information interaction between the merchant POS device and the merchant NFC terminal described in this application can specifically be the information interaction within the integrated device itself.

[0038] In one or more embodiments of this specification, student benefits are provided to students at the current merchant. Students can use these student benefits (e.g., student prices, student gifts, student product packages, etc.) to receive discounts or additional rewards at the time of payment. Of course, students need to verify their student status to use these student benefits.

[0039] For ease of description, we assume that a manual checkout method is used. However, if a self-service checkout method is used, the user can operate the checkout on behalf of the store clerk, which will not hinder the implementation of this solution.

[0040] Assuming a user arrives at the checkout counter and wants to use their student benefits, they can inform the cashier. The cashier will then perform the corresponding operation on the merchant's POS device (e.g., clicking a button specifically designed for student transactions, or clicking a general payment initiation button). This will cause the POS device to send a student transaction trigger command to the merchant's NFC terminal. The merchant's NFC terminal will then enter student authentication mode and can notify the user that they are ready to authenticate their student status via lights, sounds, or displayed information, ensuring the user understands the process clearly.

[0041] S104: In the student authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, then through NFC communication with the user's mobile terminal, the merchant's NFC device or the merchant's POS device obtains the student authentication result of the target user corresponding to the user's mobile terminal (i.e., the user currently using the user's mobile terminal, or the user currently logged in on the user's mobile terminal; for ease of description, it will be referred to as the current user or user below). The student authentication is quickly completed based on user information provided by the service provider of the merchant's NFC device, which is connected to multiple different merchants' platforms.

[0042] To facilitate user operation, merchant NFC terminals can be placed in locations easily accessible to users, such as on the countertop of a checkout or in a user-facing position on a self-service machine. For ease of deployment, merchant NFC terminals are small, portable devices. They have an NFC sensing area for NFC interaction and may optionally include a display screen. The user's mobile terminal is an NFC-enabled smartphone or smartwatch.

[0043] Users bring their mobile devices close to the NFC sensing area on the merchant's NFC device until they are close enough (usually within a few centimeters; to be on the safe side, you can perform a touch operation on the NFC sensing area, called "tap") to successfully sense the device and then conduct NFC communication.

[0044] In one or more embodiments of this specification, a merchant's NFC device triggers a user's mobile terminal to access a specific business page for student authentication via NFC communication. For example, the merchant's NFC device can provide the address of the business page to the user's mobile terminal via NFC communication, and the user's mobile terminal can then automatically access the address. Alternatively, the user's mobile terminal can pre-complete student authentication for the user and save the student authentication result locally or in the cloud as a trusted credential. Then, the saved result can be provided to the merchant's NFC device via NFC communication.

[0045] With cloud assistance, student authentication results may be provided to the merchant's POS device without even going through the merchant's NFC terminal. For example, the merchant's NFC terminal can provide the user's mobile terminal's address, and then the user's mobile terminal can notify the cloud to directly send the user's student authentication result to the merchant's POS device. Alternatively, the student authentication result can be provided only to the merchant's NFC terminal, converging on its use. This allows the POS device to execute its existing business logic as much as possible, while the business logic differentiation introduced in this solution is implemented primarily on the merchant's NFC terminal. This helps to further reduce the need for modifications to the merchant's POS device when implementing this solution.

[0046] In one or more embodiments of this specification, the service provider of the merchant NFC device has one or more platforms serving a large number of different merchants and users. Through these platforms, it has accumulated a large amount of relatively reliable user information with privacy protection, such as user registration information, user historical transaction information, and user historical verification information. Based on this information (e.g., user historical verification information may include student identity verification information), it is possible to quickly determine whether a user is a student. Alternatively, even if it cannot be determined precisely, only a small amount of supplementary information from the user is required (which also effectively reduces the burden on the user to fill out forms on-site to complete the verification) to make a precise determination. Based on this, the platform is capable of providing a fast student identity verification service.

[0047] In this scenario, the merchant's NFC device can interact with the user's mobile terminal via NFC, triggering the user's mobile terminal to automatically call the service provided by the platform, thereby quickly verifying the current user's student identity. Merchants' NFC devices from different merchants can share this service, so users can achieve such quick verification at a large number of merchants (for example, one-click verification of the user's student identity; or even automatic verification without any user operation), without having to fill in information repeatedly in a tedious way.

[0048] Users can also complete student identity verification on the platform in advance. Afterwards, the platform generates a trusted credential based on the successful verification result and issues it to the user, which is securely stored locally on the user's mobile terminal. In this case, the user's mobile terminal can directly provide the trusted credential to the merchant's NFC device for confirmation by communicating with the merchant's NFC device (either by sending the trusted credential directly to the merchant's NFC device; or by using trusted computing to complete the confirmation, while always keeping the trusted credential in the secure computing environment on the user's mobile terminal). Thus, the merchant's NFC device can quickly obtain the result of the user's student identity verification.

[0049] In one or more embodiments of this specification, if a user completes and successfully authenticates their student identity, they can further obtain corresponding student benefits through their mobile terminal. These student benefits can be automatically credited to their account or manually claimed by the user. Alternatively, student benefits can also be issued to users via merchant POS devices or merchant NFC terminals.

[0050] The result of student identity verification is indirectly represented by the student benefits obtained based on the student's identity, and / or directly represented by whether the verification was successful. In the former case, for example, if the user's mobile terminal provides the credential information of the student benefits to the merchant's NFC terminal or POS device after successful verification and obtaining student benefits (or, it can be obtained through cloud query, without necessarily requiring the user's mobile terminal to provide it directly), then the merchant's NFC terminal or POS device can indirectly determine that the user has passed the student identity verification. Otherwise, if the verification is unsuccessful, the user should not be able to obtain the student benefits.

[0051] S106: Based on the response of the merchant's NFC device or the merchant's POS device to the result, and the execution of the corresponding student rights payment service for the target user, the payment status information is displayed.

[0052] In one or more embodiments of this specification, assuming the result reflects that the current user has passed student identity verification and is indeed a student, the corresponding student benefits can be used to perform payment transactions for the user, thereby allowing the user to obtain additional benefits, such as discounted prices or extra gifts. If the student benefit payment transaction is performed by the merchant's POS device, the merchant's POS device can also notify the merchant's NFC terminal of the payment status information so that the merchant's NFC terminal can cooperate in prompting the user.

[0053] Of course, if the result shows that the current user has not passed student identity verification, then the corresponding student rights can be ignored, and the payment can be processed as if the user were a regular user.

[0054] Using the method shown in Figure 1, a convenient channel for student identity verification is provided for users based on the merchant's NFC terminal and the platform capabilities of the NFC terminal's service provider. In this case, merchants can easily access NFC interaction capabilities and student identity verification support by connecting their POS devices to the NFC terminal with minimal modification to the POS devices. When a merchant needs to provide services to students, they can trigger the NFC terminal to enter student identity verification mode through the POS device. Students only need to "tap" (at a sufficiently close distance) their NFC-enabled mobile terminal (smartphone or smartwatch, etc.) to the POS device to conveniently access platform capabilities on their mobile terminal. For example, based on their personal information or historical usage on the platform, they can quickly complete student identity verification, obtain corresponding student benefits, and smoothly continue to use these student benefits through the POS device or NFC terminal for student benefit services. This process is convenient and efficient, backed by a secure platform. Even when conducting business with different merchants connected to the platform, there is no need to re-enter relevant verification information, and merchants do not need to develop their own verification functions. Therefore, it is very user-friendly for both students and merchants.

[0055] Based on the method in Figure 1, this specification also provides some specific implementation schemes and extension schemes of the method, which will be further explained below.

[0056] In one or more embodiments of this specification, when a user's mobile terminal is near the NFC sensing area on a merchant's NFC device while the device is in student authentication mode, NFC communication is established with the user's mobile terminal to trigger it to enter the corresponding business page. On this business page, the user's mobile terminal can then invoke the student authentication service provided by the platform to quickly complete student authentication. Furthermore, after student authentication is completed, the merchant's NFC device or POS device will obtain the result of the target user's student authentication. Further, if student authentication is successful, the current user can also obtain corresponding student benefits on the business page or its linked pages.

[0057] Considering that upon entering the business page, users may need to perform actions such as clicking for verification or claiming student benefits, or even if these actions are not required, users may still want to immediately view the information displayed on their mobile devices. In such cases, users might habitually and quickly remove their mobile devices from the NFC sensing area, potentially introducing uncertainty into subsequent information interaction and business execution. To avoid this, this application further designs a more fault-tolerant and rhythmic two-step "tap-tap" scheme. The entire process is clearly divided into two parts: the first part verifies the student's identity to obtain student benefits, and the second part uses the student benefits to execute business. This is triggered by the user "tapping" the device once, which is a confirmation process from the user's perspective, making it clear and tolerable. Furthermore, it allows for a shorter duration window for each "tap," improving reliability. Based on this approach, one or more embodiments of this specification provide a flowchart of a two-step NFC interaction processing scheme, as shown in Figure 2.

[0058] The process shown in Figure 2 includes the following steps.

[0059] S202: Perform a first round of NFC communication with the user's mobile terminal, so that the student identity verification of the target user is completed on the user's mobile terminal and the student rights corresponding to the student identity are obtained, wherein, during the process of completing the student identity verification, the user's mobile terminal leaves the NFC communication range of the merchant's NFC device.

[0060] In one or more embodiments of this specification, the user first performs a "tap" to trigger the first round of NFC communication, which may include providing the address information of the business page used to call the student identity verification service provided by the platform to the user's mobile terminal via NFC communication so that the user can automatically access the business page.

[0061] Of course, the first round of NFC communication could simply request the user's mobile device to return their existing student authentication credentials, without necessarily triggering a page visit. In short, this round of NFC communication is sufficient for the merchant to verify whether the current user is a student.

[0062] S204: If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is conducted with the user's mobile terminal, so that the merchant's NFC device or the merchant's POS device can determine that the target user has obtained the student benefits, so as to use the student benefits to perform the corresponding student benefits payment business on the target user.

[0063] In one or more embodiments of this specification, after the user performs a "tap" and retrieves the user's mobile terminal, performing a "tap again" can trigger a second round of NFC communication. This may include, for example, obtaining a credential of student rights or the target user's identification information provided by the user's mobile terminal through NFC communication, wherein the identification information is used to query the student rights already obtained by the target user.

[0064] This example demonstrates how NFC communication can be used to obtain the target user's identification information, thereby enabling the querying and use of student rights. Similarly, the user's mobile terminal can also provide the authorization information for the use of student rights to the merchant's NFC device via a second round of NFC communication.

[0065] It should be noted that both the first and second rounds of NFC communication can include one or more information transmission interactions, or even just one one-way information transmission. The specific design can be tailored to actual needs.

[0066] In conjunction with the solution in Figure 2, and more intuitively, one or more embodiments of this specification also provide a schematic diagram of an implementation scheme of the solution in Figure 1 in an application scenario, as shown in Figure 3. This implementation scheme uses the "tap twice" approach shown in Figure 2. It should be noted that some small screenshots of the corresponding device pages in Figure 3 are merely illustrative and are not clearly shown for privacy protection. There is no need to focus on the specific content of these small screenshots; the textual description alone is sufficient for a correct understanding.

[0067] In the application scenario shown in Figure 3, the merchant's cashier device is, for example, a POS machine (not shown in the figure; the first small screenshot is the cashier page on the POS machine), and the merchant's NFC device is, for example, an NFC portable terminal with a screen (shown as a rounded rectangle). The two can maintain a connection through methods such as Bluetooth, and the user's mobile terminal is, for example, a smartphone.

[0068] The POS machine can be modified to a certain extent beforehand. This modification can be achieved by updating the POS software or by installing auxiliary software (such as verification components or small command components for assisting information transmission). The latter method does not require the cooperation of the POS software and is easier to implement. For example, a first operation control (such as a student authentication button) can be added to the business interface of the POS machine. The clerk can then perform corresponding operations on the first operation control on the POS machine (such as clicking the student authentication button) to send a student business trigger command to the NFC portable terminal, causing the NFC portable terminal to enter student authentication mode.

[0069] Afterwards, users can tap their smartphones against the NFC-enabled portable terminal to initiate the first round of NFC communication. They can then retrieve their smartphones and operate them on the screen for student verification and to claim student benefits. At this point, the user's smartphone will redirect to a specific business page. For example, if the merchant has a mini-program, they can be redirected to a designated page within that mini-program; if the merchant does not have a mini-program, they can be redirected to a designated page provided by the platform for multiple merchants.

[0070] After being redirected, on the business page, users can quickly complete the verification process by clicking a verification button on the page and accessing the platform's quick student identity verification service. If the verification is successful, the user will be directed to the student benefits redemption page, where they can click to claim their student benefits, which can then be added to their virtual wallet.

[0071] After the first round of NFC communication, once the user's smartphone leaves the NFC communication range of the NFC portable terminal, the cashier can send a payment trigger command to the NFC portable terminal by performing corresponding operations on the second operation control on the POS machine (such as the payment button), causing the NFC portable terminal to enter the payment state. Here, it is assumed that the first operation control and the second operation control are not the same operation control (if they are the same operation control, then corresponding judgment and decision logic needs to be added behind it). The second operation control is an existing control, while the first operation control is a modified and upgraded control.

[0072] Afterwards, users can tap their smartphones against the NFC portable terminal again to conduct a second round of NFC communication, execute the payment process, use the student benefits the user has received for payment, and complete the verification of the student benefits.

[0073] In the above "tap twice" scheme, in order to avoid other users besides the current user from accidentally triggering the merchant's NFC device, one or more embodiments of this specification also provide a flowchart of an auxiliary judgment scheme for the schemes in Figures 2 and 3, see Figure 4.

[0074] The process shown in Figure 4 includes the following steps.

[0075] S402: If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again without triggering the merchant's POS device again, then the user information provided after the user's mobile terminal approaches again is used to determine whether a user change has occurred.

[0076] This assumes that the merchant's POS device only needs to be triggered once (of course, the same approach can be used for two triggers). The user can then sequentially perform a "tap" and a "tap again." In this case, although the device operation is simplified, the possibility of accidental operation may increase. For example, after a "tap," the user's mobile terminal that approaches again may not be the same user's mobile terminal as before, but rather another user's mobile terminal. That is, the user who performed the "tap" and the user who performed the "tap again" may not be the same user, and correspondingly, they may not be using the same mobile terminal.

[0077] To avoid problems in subsequent operations due to this situation (a discrepancy between the merchant's NFC device's operating status and the user's expectations), it's possible to determine if the user has changed between the two interactions. If so, it indicates that the two users are not the same person, and the latter user may have accidentally touched the merchant's NFC device. Therefore, the second round of NFC communication can be delayed. For example, the latter user can be notified of an error, while the former user is prompted to "tap again."

[0078] S404: If not, then conduct a second round of NFC communication with the user's mobile terminal.

[0079] If not, it means that the two are from the same user, and the second round of NFC communication can continue.

[0080] The above explanation is mainly based on the idea of ​​"touch twice". The above solution can also be simplified and modified to achieve the goal of "touch only once".

[0081] Based on the idea of ​​"only touching once", one or more embodiments of this specification also provide a schematic diagram of another implementation scheme of the solution in Figure 1 in an application scenario, as shown in Figure 5.

[0082] In the scheme shown in Figure 5, after the merchant's NFC device enters the student identity verification state, the user "tap" the device, and the merchant's NFC device can communicate with the user's mobile terminal via NFC to obtain the student identity verification result of the target user corresponding to the user's mobile terminal, and then send the result back to the merchant's POS device.

[0083] Afterwards, the merchant's POS device can initiate corresponding student benefit payment transactions based on the student's identity and the preferential price. For example, the original price to be paid can be modified to the student preferential price, and the payment can be initiated to the user's mobile terminal through the merchant's NFC device. Then, the user can complete the payment based on NFC. The three screenshots at the bottom of Figure 5 are the screenshots on the user's mobile terminal indicating that the student identity verification is completed, the screenshot indicating that payment is in progress, and the screenshot indicating that payment is completed.

[0084] As mentioned earlier in one or more embodiments of this specification, students are inherently social, and therefore often come to offline stores in groups of three to five or even in large numbers. Considering that the efficiency of sequential interaction and verification at the cashier is relatively low, this problem will be exacerbated, especially when there are long queues.

[0085] Based on this, a scheme supporting group student authentication is further provided. In this scheme, the target users can include the logged-in user on the user's mobile terminal, and one or more related users of the logged-in user. The logged-in user is, for example, one of several students who came to the store together and got to know each other (referred to as the representative student for ease of description), and the related users are the other students among these students. The aforementioned user's mobile terminal is, for example, the representative student's smartphone or smartwatch.

[0086] Merchant NFC terminals respond to student service trigger commands (a separate button can be set for group student cases, or the business logic corresponding to an existing button can be modified) to enter group student authentication mode. In this mode, if a user's mobile terminal approaches the NFC sensing area on the merchant's NFC terminal, NFC communication is established, enabling the merchant's NFC terminal or POS device to obtain the group student authentication result for the target user corresponding to the user's mobile terminal. In this scenario, the group student authentication result is actually a collection of student authentication results for multiple users. Therefore, only the student representative needs to queue and perform operations at the checkout counter, achieving verification simultaneously, which is efficient and less prone to errors.

[0087] Furthermore, to facilitate more accurate cooperation from the merchant side, merchants can proactively designate representative students in advance to establish their recognized representative status. This also helps improve security and avoids accidental or duplicate interactions. Specifically, the merchant's NFC device can send group collection permission information to the user's mobile terminal via NFC communication (e.g., in the first round of NFC communication); receive the student authentication results of the logged-in user provided by the user's mobile terminal, as well as the student authentication results of each relevant user collected from related mobile terminals using the permissions corresponding to the group collection permission information. Based on the group collection permission information, the user's mobile terminal can collect (e.g., also via NFC, by actively broadcasting to other mobile terminals) the student authentication results of other students from their smartphones or smartwatches, and then integrate them to obtain the group's verification result. When other students verify, they can directly use the previously verified credentials and provide them to the representative student.

[0088] For merchant NFC devices, since the student groups they are dealing with already have representatives, after sending group collection permission information to the user's mobile terminal, they can refuse to conduct NFC communication with other user mobile terminals if the set waiting conditions (such as within a set time limit, or the user's mobile terminal has not yet completed group verification) are met.

[0089] To facilitate verification by other students, multiple merchant NFC terminals can be installed at the merchant's location. At least one merchant NFC terminal should be deployed outside the merchant's checkout counter to send group collection permission information. It can also be used for other students to pre-verify their information before it is collected and sent to a representative student, who then interacts with the merchant NFC terminal at the checkout counter.

[0090] The preceding description is mainly from the perspective of the merchant's NFC device. Based on the same idea, one or more embodiments of this specification also provide another NFC student service processing method, which is described from the perspective of the user's mobile terminal. Figure 6 is a flowchart of this other method.

[0091] The process shown in Figure 6 includes the following steps.

[0092] S602: After the merchant's NFC device responds to the student business trigger command sent by the merchant's POS device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC device to conduct NFC communication with the merchant's NFC device.

[0093] S604: Upon triggering the NFC communication, the system automatically enters the corresponding business page and calls the student identity verification service provided by the platform on the business page. The system quickly completes student identity verification based on the user information on the platform. The platform is provided by the service provider of the merchant's NFC device and connects to multiple different merchants.

[0094] S606: Obtain the result of the student's identity verification so that the merchant's NFC device or the merchant's POS device can respond to the result and perform the corresponding student rights payment business for the target user, and prompt payment status information.

[0095] For details, please refer to the previous explanation; further details will not be repeated here.

[0096] Based on the same approach, one or more embodiments of this specification also provide apparatus and devices corresponding to the above-described methods, as shown in Figures 7 to 10. The apparatus and devices are capable of executing the above-described methods and related optional solutions accordingly.

[0097] Figure 7 is a schematic diagram of the structure of an NFC student service processing device provided in one or more embodiments of this specification. The device is applied to a merchant NFC terminal and includes: a verification state entry module 702, which receives a student service trigger command sent by the merchant POS device and enters a student identity verification state in response to the student service trigger command; an NFC communication verification module 704, which, in the student identity verification state, if a user's mobile terminal is close to the NFC sensing area on the merchant NFC terminal, communicates with the user's mobile terminal via NFC to enable the merchant NFC terminal or the merchant POS device to obtain the student identity verification result of the target user corresponding to the user's mobile terminal, wherein the student identity verification is quickly completed based on user information provided by the service provider of the merchant NFC terminal on a platform that connects to multiple different merchants; and a payment status prompt module 706, which prompts payment status information based on the merchant NFC terminal or the merchant POS device's response to the result and the execution of the corresponding student rights payment service for the target user.

[0098] Optionally, the NFC communication verification module 704, through NFC communication with the user's mobile terminal, triggers the user's mobile terminal to enter the corresponding business page, so that the user's mobile terminal can call the student identity verification service provided by the platform on the business page to quickly complete the student identity verification, and so that after the student identity verification is completed, the merchant NFC device or the merchant POS device can obtain the student identity verification result of the target user.

[0099] Optionally, the result of the student identity verification is indirectly represented by the student rights obtained based on the student identity, and / or directly represented by whether the verification is successful.

[0100] Optionally, the NFC communication verification module 704 performs a first round of NFC communication with the user's mobile terminal, enabling the user's mobile terminal to complete the student identity verification for the target user and obtain the student benefits corresponding to the student identity. During the student identity verification process, the user's mobile terminal leaves the NFC communication range of the merchant's NFC device. If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user's mobile terminal, enabling the merchant's NFC device or the merchant's POS device to determine that the target user has obtained the student benefits, so that the student benefits can be used to perform the corresponding student benefit payment service for the target user.

[0101] Optionally, the first round of NFC communication specifically includes: providing the address information of the business page used to call the student identity verification service provided by the platform to the user's mobile terminal via NFC communication so that the user can automatically access the business page; and / or, the second round of NFC communication specifically includes: obtaining the credential of the student rights or the identification information of the target user provided by the user's mobile terminal via NFC communication, wherein the identification information is used to query the student rights already obtained by the target user.

[0102] Optionally, the student service trigger instruction is sent to the merchant's NFC device by performing a corresponding operation on the first operation control on the merchant's POS device; the NFC communication verification module 704 receives the payment trigger instruction sent by the merchant's POS device after the user's mobile terminal leaves the NFC communication range of the merchant's NFC device following the first round of NFC communication, wherein the payment trigger instruction is sent by performing a corresponding operation on the second operation control on the merchant's POS device; if the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user's mobile terminal.

[0103] Optionally, the NFC communication verification module 704, without triggering the merchant's POS device again, if the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, determines whether a user change has occurred based on the user information provided after the user's mobile terminal approaches again; if not, it performs a second round of NFC communication with the user's mobile terminal.

[0104] Optionally, the target user includes the logged-in user of the user's mobile terminal and one or more related users of the logged-in user; the verification state entry module 702, in response to the student service trigger instruction, enters the group student identity verification state; the NFC communication verification module 704, in the group student identity verification state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, then through NFC communication with the user's mobile terminal, enables the merchant's NFC device or the merchant's POS device to obtain the group student identity verification result of the target user corresponding to the user's mobile terminal.

[0105] Optionally, the NFC communication verification module 704 sends group collection permission information to the user mobile terminal via NFC communication; receives the student identity verification result of the logged-in user provided by the user mobile terminal, and the student identity verification result of each related user collected from the related mobile terminal using the permissions corresponding to the group collection permission information.

[0106] Optionally, after sending group collection permission information to the user mobile terminal, the NFC communication verification module 704, if the set waiting conditions are met, refuses to conduct NFC communication with other user mobile terminals besides the user mobile terminal.

[0107] Optionally, the merchant where the target user is located has multiple merchant NFC terminals, with at least one of the merchant NFC terminals deployed in an area outside the merchant's cashier, for sending the group collection permission information.

[0108] Figure 8 is a schematic diagram of another NFC student service processing device provided in one or more embodiments of this specification. The device is applied to a user mobile terminal and includes: a proximity NFC communication module 802, which, after the merchant NFC device responds to the student service trigger command sent by the merchant POS device and enters the student authentication state, approaches the NFC sensing area on the merchant NFC device to conduct NFC communication with the merchant NFC device; a student quick verification module 804, which, triggered by the NFC communication, automatically enters the corresponding service page and calls the student authentication service provided by the platform in the service page to quickly complete the student authentication based on the user information on the platform, wherein the platform is provided by the service provider of the merchant NFC device and connects to multiple different merchants; and a payment continuation processing module 806, which obtains the result of the student authentication so that the merchant NFC device or the merchant POS device responds to the result and performs the corresponding student rights payment service for the target user, and prompts payment status information.

[0109] Figure 9 is a schematic diagram of the structure of an NFC student service processing device provided in one or more embodiments of this specification. The device is applied to a merchant NFC terminal and includes: at least one processor; and a memory communicatively connected to the at least one processor. The memory stores instructions executable by the at least one processor, which, when executed, enable the at least one processor to: receive a student service trigger instruction sent by a merchant POS device and, in response to the student service trigger instruction, enter a student authentication state; in the student authentication state, if a user's mobile terminal approaches the NFC sensing area on the merchant NFC terminal, NFC communication is performed with the user's mobile terminal, enabling the merchant NFC terminal or the merchant POS device to obtain the student authentication result of the target user corresponding to the user's mobile terminal. The student authentication is quickly completed based on user information provided by the service provider of the merchant NFC terminal on a platform that connects to multiple different merchants; and, based on the merchant NFC terminal or the merchant POS device's response to the result, performs the corresponding student rights payment service for the target user and displays payment status information.

[0110] Figure 10 is a schematic diagram of another NFC student service processing device provided in one or more embodiments of this specification. The device is applied to a user mobile terminal and includes: at least one processor; and a memory communicatively connected to the at least one processor. The memory stores instructions executable by the at least one processor, which, when executed by the at least one processor, enable the at least one processor to perform the following: after the merchant NFC device enters a student authentication state in response to a student service trigger instruction sent by the merchant POS device, it approaches the NFC sensing area on the merchant NFC device to perform NFC communication; triggered by the NFC communication, it automatically enters the corresponding service page and calls the student authentication service provided by the platform on the service page to quickly complete student authentication based on user information on the platform, wherein the platform is provided by the service provider of the merchant NFC device and connects to multiple different merchants; and obtains the result of the student authentication so that the merchant NFC device or the merchant POS device, in response to the result, performs the corresponding student rights payment service for the target user, and displays payment status information.

[0111] Based on the same approach, one or more embodiments of this specification also provide a non-volatile computer storage medium applied to a merchant NFC device. The medium stores computer-executable instructions configured to: receive a student service trigger instruction sent by a merchant POS device, and in response to the student service trigger instruction, enter a student authentication state; in the student authentication state, if a user's mobile terminal approaches the NFC sensing area on the merchant NFC device, NFC communication is performed with the user's mobile terminal, enabling the merchant NFC device or the merchant POS device to obtain the student authentication result of the target user corresponding to the user's mobile terminal. The student authentication is quickly completed based on user information provided by the service provider of the merchant NFC device, which connects to multiple different merchants on the same platform; and based on the merchant NFC device's or the merchant POS device's response to the result, perform corresponding student benefit payment services for the target user, and display payment status information.

[0112] This specification also provides, in one or more embodiments, another non-volatile computer storage medium for use in a user mobile terminal. The medium stores computer-executable instructions configured to: after a merchant NFC device enters a student authentication state in response to a student service trigger instruction sent by a merchant POS device, approach the NFC sensing area on the merchant NFC device to conduct NFC communication; upon triggering the NFC communication, automatically enter the corresponding service page and invoke the student authentication service provided by the platform on the service page to quickly complete student authentication based on user information on the platform, wherein the platform is provided by the service provider of the merchant NFC device and connects to multiple different merchants; obtain the result of the student authentication so that the merchant NFC device or the merchant POS device, in response to the result, can perform corresponding student benefit payment services for the target user and display payment status information.

[0113] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0114] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0115] For ease of description, the above devices are described in terms of function, divided into various units. Of course, in implementing this specification, the functions of each unit can be implemented in one or more software and / or hardware components.

[0116] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0117] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in one or more flowchart illustrations and / or one or more block diagrams.

[0118] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means that implement the functions specified in one or more flowcharts and / or one or more block diagrams.

[0119] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, such that the instructions, which execute on the computer or other programmable apparatus, provide steps for implementing the functions specified in one or more flowcharts and / or one or more block diagrams.

[0120] It should also be noted that 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. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0121] This specification can be described in the general context of computer-executable instructions that are executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This specification can also be practiced in distributed computing environments, where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0122] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of apparatus, devices, and non-volatile computer storage media are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0123] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0124] The above description is merely one or more embodiments of this specification and is not intended to limit this specification. Various modifications and variations can be made to the one or more embodiments of this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principle of one or more embodiments of this specification should be included within the scope of the claims of this specification.

Claims

1. An NFC student service processing method, applied to a merchant's NFC device, the method comprising: Receives a student service trigger instruction sent by the merchant's POS device, and in response to the student service trigger instruction, enters the student identity verification state; In the student authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, then through NFC communication with the user's mobile terminal, the merchant's NFC device or the merchant's POS device can obtain the student authentication result of the target user corresponding to the user's mobile terminal. The student authentication is quickly completed based on user information provided by the service provider of the merchant's NFC device, which is connected to multiple different merchants on the platform. Based on the response of the merchant's NFC device or the merchant's POS device to the result, the system will display payment status information when performing the corresponding student benefit payment service for the target user.

2. The method as described in claim 1, wherein the step of enabling the merchant's NFC device or the merchant's POS equipment to obtain the student identity verification result of the target user corresponding to the user's mobile terminal through NFC communication with the user's mobile terminal specifically includes: By communicating with the user's mobile terminal via NFC, the user's mobile terminal is triggered to enter the corresponding business page, so that the user's mobile terminal can call the student identity verification service provided by the platform on the business page to quickly complete the student identity verification, and so that after the student identity verification is completed, the merchant's NFC device or the merchant's POS device can obtain the student identity verification result of the target user.

3. The method as described in claim 1 or 2, wherein the result of the student authentication is indirectly represented by student rights obtained based on the student's identity, and / or directly represented by whether the authentication is successful.

4. The method as described in claim 3, wherein the step of enabling the merchant's NFC device or the merchant's POS equipment to obtain the student identity verification result of the target user corresponding to the user's mobile terminal through NFC communication with the user's mobile terminal specifically includes: The first round of NFC communication with the user's mobile terminal enables the target user to complete the student identity verification on the user's mobile terminal and obtain the student rights corresponding to the student identity. During the process of completing the student identity verification, the user's mobile terminal leaves the NFC communication range of the merchant's NFC device. If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication will be conducted with the user's mobile terminal, so that the merchant's NFC device or the merchant's POS device can determine that the target user has obtained the student benefits, so as to use the student benefits to perform the corresponding student benefits payment business for the target user.

5. The method as described in claim 4, wherein the first round of NFC communication specifically includes: The address information of the business page used to call the student authentication service provided by the platform will be provided to the user's mobile terminal via NFC communication so that the user can automatically access the business page; And / or, The second round of NFC communication specifically includes: obtaining the student rights certificate or the target user's identification information provided by the user's mobile terminal through the NFC communication, wherein the identification information is used to query the student rights already obtained by the target user.

6. The method as described in claim 4, wherein the student business trigger instruction is sent to the merchant NFC device by performing a corresponding operation on the first operation control on the merchant's POS device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication will be conducted with the user's mobile terminal, specifically including: After the first round of NFC communication, once the user's mobile terminal leaves the NFC communication range of the merchant's NFC device, it receives a payment trigger instruction sent by the merchant's POS device. The payment trigger instruction is sent by performing a corresponding operation on the second operation control on the merchant's POS device. If the user's mobile terminal comes close to the NFC sensing area on the merchant's NFC device again, a second round of NFC communication will be conducted with the user's mobile terminal.

7. The method as described in claim 4, wherein if the user mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication is performed with the user mobile terminal, specifically including: If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again without triggering the merchant's POS device again, the user information provided after the user's mobile terminal approaches again will be used to determine whether a user change has occurred. If not, then a second round of NFC communication will be conducted with the user's mobile terminal.

8. The method as described in claim 1, wherein the step of enabling the merchant's NFC device or the merchant's POS device to obtain the student identity verification result of the target user corresponding to the user's mobile terminal through NFC communication with the user's mobile terminal specifically includes: By communicating with the user's mobile terminal via NFC, the result of the student identity verification of the target user corresponding to the user's mobile terminal is obtained, and the result is sent back to the merchant's POS device so that the merchant's POS device can initiate the corresponding student benefit payment business based on the preferential price corresponding to the student's identity.

9. The method as described in claim 1, wherein the target user includes the logged-in user of the user's mobile terminal, and one or more related users of the logged-in user; The process of entering student authentication status in response to the student service trigger command specifically includes: In response to the student service trigger command, enter the group student authentication state; In the student authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, NFC communication is performed with the user's mobile terminal so that the merchant's NFC device or the merchant's POS device can obtain the student authentication result of the target user corresponding to the user's mobile terminal. Specifically, this includes: In the group student authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, then through NFC communication with the user's mobile terminal, the merchant's NFC device or the merchant's POS device can obtain the group student authentication result of the target user corresponding to the user's mobile terminal.

10. The method as described in claim 9, wherein the step of communicating with the user's mobile terminal via NFC, enabling the merchant's NFC device to obtain the student identity verification result of the target user corresponding to the user's mobile terminal, specifically includes: Group collection permission information is sent to the user's mobile terminal via NFC communication; The system receives the student authentication result of the logged-in user provided by the user's mobile terminal, and the student authentication results of each related user collected from the related mobile terminal using the permissions corresponding to the group collection permission information.

11. The method of claim 10, wherein after sending the group collection permission information to the user's mobile terminal, the method further comprises: If the set waiting conditions are met, NFC communication with other user mobile terminals besides the user's mobile terminal will be refused.

12. The method of claim 10, wherein multiple merchant NFC terminals are located at the merchant where the target user is located, and at least one of the merchant NFC terminals is deployed in an area outside the merchant's cashier for sending the group collection permission information.

13. An NFC student service processing method, applied to a user's mobile terminal, the method comprising: After the merchant's NFC device responds to the student business trigger command sent by the merchant's POS device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC device to conduct NFC communication with the merchant's NFC device. Triggered by the NFC communication, the system automatically enters the corresponding business page and calls the student identity verification service provided by the platform on the business page. The student identity verification is quickly completed based on the user information on the platform. The platform is provided by the service provider of the merchant's NFC device and is connected to multiple different merchants. The result of the student's identity verification is obtained so that the merchant's NFC device or the merchant's POS device can respond to the result and perform the corresponding student rights payment business for the target user, and prompt payment status information.

14. An NFC student service processing device, applied to a merchant's NFC terminal, the device comprising: Upon entering the verification state module, the system receives a student service trigger instruction sent by the merchant's POS device and, in response to the student service trigger instruction, enters the student identity verification state. In the student identity verification state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, the NFC communication verification module will communicate with the user's mobile terminal via NFC, enabling the merchant's NFC device or the merchant's POS device to obtain the student identity verification result of the target user corresponding to the user's mobile terminal. The student identity verification is quickly completed based on user information provided by the service provider of the merchant's NFC device, which is connected to multiple different merchants' platforms. The payment status prompt module prompts payment status information based on the response of the merchant's NFC device or the merchant's POS device to the result, indicating the execution of the corresponding student rights payment business for the target user.

15. The apparatus of claim 14, wherein the NFC communication verification module, through NFC communication with the user mobile terminal, triggers the user mobile terminal to enter a corresponding business page, so that the user mobile terminal, in the business page, calls the student identity verification service provided by the platform to quickly complete the student identity verification, and so that after the student identity verification is completed, the merchant NFC device or the merchant POS device obtains the student identity verification result of the target user accordingly.

16. The apparatus of claim 14 or 15, wherein the result of the student authentication is indirectly represented by student rights obtained based on the student's identity, and / or directly represented by whether the authentication is successful.

17. The apparatus of claim 16, wherein the NFC communication verification module performs a first round of NFC communication with the user mobile terminal, thereby completing the student identity verification for the target user on the user mobile terminal and obtaining the student rights corresponding to the student identity, wherein... During the process of completing the student identity verification, the user's mobile terminal leaves the NFC communication range of the merchant's NFC device; If the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, a second round of NFC communication will be conducted with the user's mobile terminal, so that the merchant's NFC device or the merchant's POS device can determine that the target user has obtained the student benefits, so as to use the student benefits to perform the corresponding student benefits payment business for the target user.

18. The apparatus of claim 17, wherein the first round of NFC communication specifically includes: The address information of the business page used to call the student authentication service provided by the platform will be provided to the user's mobile terminal via NFC communication so that the user can automatically access the business page; And / or, The second round of NFC communication specifically includes: obtaining the student rights certificate or the target user's identification information provided by the user's mobile terminal through the NFC communication, wherein the identification information is used to query the student rights already obtained by the target user.

19. The apparatus of claim 17, wherein the student service trigger instruction is sent to the merchant NFC device by performing a corresponding operation on the first operation control on the merchant POS device; After the first round of NFC communication, and once the user's mobile terminal leaves the NFC communication range of the merchant's NFC device, the NFC communication verification module receives a payment trigger command sent by the merchant's POS device. The payment trigger instruction is sent by performing a corresponding operation on the second operation control on the merchant's POS device; If the user's mobile terminal comes close to the NFC sensing area on the merchant's NFC device again, a second round of NFC communication will be conducted with the user's mobile terminal.

20. The apparatus of claim 17, wherein the NFC communication verification module, without triggering the merchant's POS device again, if the user's mobile terminal approaches the NFC sensing area on the merchant's NFC device again, determines whether a user change has occurred based on the user information provided after the user's mobile terminal approaches again; If not, then a second round of NFC communication will be conducted with the user's mobile terminal.

21. The apparatus of claim 14, wherein the target user includes a logged-in user of the user mobile terminal and one or more associated users of the logged-in user; The verification status entry module, in response to the student business trigger instruction, enters the group student identity verification status. In the group student identity verification state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, the NFC communication verification module will communicate with the user's mobile terminal via NFC, enabling the merchant's NFC device or the merchant's POS equipment to obtain the group student identity verification result of the target user corresponding to the user's mobile terminal.

22. The apparatus of claim 21, wherein the NFC communication verification module sends group collection permission information to the user mobile terminal via NFC communication; The system receives the student authentication result of the logged-in user provided by the user's mobile terminal, and the student authentication results of each related user collected from the related mobile terminal using the permissions corresponding to the group collection permission information.

23. An NFC student service processing device, applied to a user mobile terminal, the device comprising: When the merchant's NFC device approaches the NFC communication module, it enters the student identity verification state after responding to the student business trigger command sent by the merchant's POS device. Then, it approaches the NFC sensing area on the merchant's NFC device to conduct NFC communication with the merchant's NFC device. The student quick verification module, triggered by the NFC communication, automatically enters the corresponding business page and calls the student identity verification service provided by the platform on the business page. It quickly completes student identity verification based on the user information on the platform. The platform is provided by the service provider of the merchant's NFC device and is connected to multiple different merchants. The payment processing module obtains the result of the student's identity verification so that the merchant's NFC device or the merchant's POS device can respond to the result and, in response to the result, perform the corresponding student rights payment service for the target user, and display payment status information.

24. An NFC student service processing device, applied to a merchant NFC terminal, the device comprising: At least one processor; as well as, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: Receives a student service trigger instruction sent by the merchant's POS device, and in response to the student service trigger instruction, enters the student identity verification state; In the student authentication state, if the user's mobile terminal is close to the NFC sensing area on the merchant's NFC device, then through NFC communication with the user's mobile terminal, the merchant's NFC device or the merchant's POS device can obtain the student authentication result of the target user corresponding to the user's mobile terminal. The student authentication is quickly completed based on user information provided by the service provider of the merchant's NFC device, which is connected to multiple different merchants on the platform. Based on the response of the merchant's NFC device or the merchant's POS device to the result, the system will display payment status information when performing the corresponding student benefit payment service for the target user.

25. An NFC student service processing device, applied to a user mobile terminal, the device comprising: At least one processor; as well as, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: After the merchant's NFC device responds to the student business trigger command sent by the merchant's POS device and enters the student identity verification state, it approaches the NFC sensing area on the merchant's NFC device to conduct NFC communication with the merchant's NFC device. Triggered by the NFC communication, the system automatically enters the corresponding business page and calls the student identity verification service provided by the platform on the business page. The student identity verification is quickly completed based on the user information on the platform. The platform is provided by the service provider of the merchant's NFC device and is connected to multiple different merchants. The result of the student's identity verification is obtained so that the merchant's NFC device or the merchant's POS device can respond to the result and perform the corresponding student rights payment business for the target user, and prompt payment status information.

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