Transaction methods and apparatuses, electronic device, storage medium, program product and payment architecture

Abstract

Provided in the present application are transaction methods and apparatuses, an electronic device, a storage medium, a program product and a payment architecture. A method comprises: in response to a payment operation of a user, acquiring a payment code from a payment application server; on the basis of digital content of the payment code, generating a temporary bank card corresponding to the payment code; and using the temporary bank card to perform a contactless payment transaction with a card terminal. In the method of the present application, a user who is accustomed to using QR code payment can use a payment code to complete card payment in a payment scenario that only supports card payment, which improves the payment efficiency, thereby enhancing the payment experience of the user. Moreover, the temporary bank card has a limited validity period, which reduces the risks of information leakage and fraudulent use, thereby improving the payment security.

Description

Transaction methods, devices, electronic equipment, storage media, software products, and payment structures

[0001] This application claims priority to Chinese Patent Application No. 202411642750.9, filed on November 15, 2024, entitled “Transaction Method, Apparatus, Electronic Device, Storage Medium, Program Product and Payment Structure”, the entire contents of which are incorporated herein by reference. Technical Field

[0002] This application relates to mobile payment technology, and more particularly to a transaction method, device, electronic device, storage medium, program product, and payment architecture. Background Technology

[0003] With the continuous advancement of mobile internet technology, mobile payment has become an indispensable part of people's daily lives. Common mobile payment methods include QR code payment and card payment. QR code payment involves users generating a payment code through a mobile payment application, which merchants then scan to complete the payment. Card payment involves users using physical bank cards at a card reader.

[0004] Currently, more and more users are getting used to using QR code payments. Therefore, payment scenarios that only support card payments cause some inconvenience for users. Summary of the Invention

[0005] This application provides a transaction method, device, electronic device, storage medium, program product, and payment architecture to solve the problem of inconvenience caused to users who are accustomed to QR code payment in payment scenarios that only support card payment.

[0006] On the one hand, this application provides a transaction method, the method comprising:

[0007] In response to the user's payment action, obtain the payment code from the payment application server;

[0008] Based on the digital content of the payment code, generate a temporary bank card corresponding to the payment code;

[0009] Use the temporary bank card to make contactless payment transactions with the card reader terminal.

[0010] Optionally, generating a temporary bank card corresponding to the payment code based on the digital content includes:

[0011] Based on the digital content, obtain the temporary bank card number corresponding to the payment code;

[0012] Use the temporary bank card number to generate a temporary bank card.

[0013] Optionally, generating a temporary bank card number corresponding to the payment code based on the digital content includes:

[0014] Send an initial temporary bank card number application request to the payment application server, the application request carrying the digital content;

[0015] The payment application server receives the temporary bank card number returned by the payment application server, which is the temporary bank card number applied for by the payment application server from the card organization's transaction system.

[0016] Optionally, generating a temporary bank card using the temporary bank card number includes:

[0017] Using the temporary bank card number, an HCE application is created in accordance with the electronic bank card specifications; the HCE application contains information about the temporary bank card, as well as the bank card's transaction interface; the information about the temporary bank card includes the temporary bank card number.

[0018] Optionally, the step of using the temporary bank card to conduct contactless payment transactions with the card reader includes:

[0019] The HCE application interacts with the card reader terminal using NFC communication to provide transaction payment information to the card reader terminal; the transaction payment information includes a temporary bank card number.

[0020] Optionally, the transaction payment information includes: application ciphertext; the method further includes:

[0021] Obtain the temporary key corresponding to the payment code from the payment application server;

[0022] The application ciphertext is generated using the temporary key.

[0023] Optionally, generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes:

[0024] In response to the user's operation on the payment code interface, a temporary bank card corresponding to the payment code is generated based on the digital content of the payment code.

[0025] Optionally, generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes:

[0026] Based on the location data of the payment application client, the target area where the payment application client is located is determined;

[0027] Determine the target payment method based on the payment methods in the target region;

[0028] When the target payment method is a bank card payment method, a temporary bank card corresponding to the payment code is generated based on the digital content of the payment code.

[0029] Optionally, generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes:

[0030] Identify whether a card-swiping terminal exists within a preset range;

[0031] When a card reader is available, an inquiry message is output, which asks the user whether to use a bank card payment method.

[0032] In response to the user's confirmation instruction to use bank card payment based on the query information, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

[0033] Optionally, before using the temporary bank card to conduct a contactless payment transaction with the card reader terminal, the method further includes:

[0034] The payment interface displays a first prompt message, which prompts the user to complete the payment transaction with the card reader.

[0035] Optionally, after using the temporary bank card to conduct a contactless payment transaction with the card reader terminal, the method further includes:

[0036] A second notification message is displayed on the payment screen to indicate the completion status of the payment transaction.

[0037] Secondly, this application provides a transaction method, the method comprising:

[0038] Send a payment code to the payment application client;

[0039] Receive an initial temporary bank card number application request sent by the payment application client; the application request carries the digital content of the payment code;

[0040] Apply for a temporary bank card number from the card organization's transaction system;

[0041] Send the temporary bank card number to the payment application client so that the payment application client can generate a temporary bank card based on the temporary bank card number and use the temporary bank card to conduct payment transactions with the card reader terminal;

[0042] Record the mapping relationship between the temporary bank card number and the digital content.

[0043] Optionally, the method further includes:

[0044] The system receives a transaction processing request from a card organization transaction system. The transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number and originates from a card-swiping terminal that interacts with the payment application client for contactless payment transactions.

[0045] Based on the temporary bank card number, obtain the digital content corresponding to the temporary bank card number;

[0046] The transaction processing request is processed using a payment code transaction process to complete the payment transaction.

[0047] Thirdly, this application provides a transaction method, the method comprising:

[0048] Receive a request from the payment application server for a temporary bank card number corresponding to the payment code;

[0049] Send the assigned temporary bank card number to the payment application server so that the payment application server can send the temporary bank card number to the payment application client. The temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with the card reader terminal.

[0050] The system receives an initial transaction processing request sent by the card-swiping terminal after a contactless payment transaction is conducted with the payment application client based on the temporary bank card. The initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number.

[0051] A transaction processing request is generated based on the initial transaction processing request and sent to the payment application server so that the payment application server can complete the payment transaction using the payment code transaction process. The transaction processing request includes the transaction payment information.

[0052] Fourthly, this application provides a trading apparatus, the apparatus comprising:

[0053] The first acquisition module is used to obtain the payment code from the payment application server in response to the user's payment operation;

[0054] The second acquisition module is used to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code;

[0055] The transaction module is used to conduct contactless payment transactions using the temporary bank card and the card reader terminal.

[0056] Fifthly, this application provides a trading apparatus, the apparatus comprising:

[0057] The first sending module is used to send payment codes to the payment application client;

[0058] The receiving module is used to receive an initial temporary bank card number application request sent by the payment application terminal; the application request carries the digital content of the payment code;

[0059] The acquisition module is used to request a temporary bank card number from the card organization's transaction system;

[0060] The second sending module is used to send the temporary bank card number to the payment application client, so that the payment application client can generate a temporary bank card based on the temporary bank card number and use the temporary bank card to conduct payment transactions with the card reader terminal.

[0061] A storage module is used to record the mapping relationship between the temporary bank card number and the digital content.

[0062] Sixthly, this application provides a trading apparatus, the apparatus comprising:

[0063] The first receiving module is used to receive the application request for a temporary bank card number corresponding to the payment code sent by the payment application server;

[0064] The first sending module is used to send the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client. The temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with the card reader terminal.

[0065] The second receiving module is used to receive an initial transaction processing request sent by the card swiping terminal after a contactless payment transaction is conducted with the payment application client based on the temporary bank card. The initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number.

[0066] The processing module is used to generate a transaction processing request based on the initial transaction processing request;

[0067] The second sending module is used to send the generated transaction processing request to the payment application server so that the payment application server can complete the payment transaction using the payment code transaction process. The transaction processing request includes the transaction payment information.

[0068] In a seventh aspect, this application provides an electronic device, the electronic device comprising: a processor, and a memory communicatively connected to the processor;

[0069] The memory stores computer-executed instructions;

[0070] The processor executes computer execution instructions stored in the memory to implement the method as described in any of the first, second, or third aspects.

[0071] Eighthly, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the method described in any of the first, second, or third aspects.

[0072] Ninthly, this application provides a computer program product, including a computer program that, when executed by a processor, implements the method of any one of the first, second, or third aspects.

[0073] In a tenth aspect, this application provides a transaction payment architecture, which includes: a payment application system, a card organization transaction system, a card reader terminal, and a bank system; the payment application system includes a payment application client and a payment application server.

[0074] The payment application client is communicatively connected to the payment application server and the card swiping terminal, respectively; the card organization transaction system is communicatively connected to the card swiping terminal, the bank system, and the payment application server, respectively.

[0075] The payment application client is configured to perform the method as described in any one of the first aspects of the invention.

[0076] The payment application server is configured to perform the method as described in any of the second aspects of the invention.

[0077] The card organization transaction system is used to perform the method as described in the third aspect of claim.

[0078] The transaction method, device, electronic device, storage medium, program product, and payment architecture provided in this application can generate a temporary bank card corresponding to the payment code, and complete payment transactions on card-swiping terminals that only support card swiping capabilities using the temporary bank card. This allows users accustomed to QR code payments to complete card payments using the payment code in payment scenarios that only support card payments, improving payment efficiency and thus enhancing the user's payment experience. The temporary bank card has a time limit, reducing the risk of information leakage and fraudulent use, and improving payment security. Attached Figure Description

[0079] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0080] Figure 1 is a transaction architecture diagram of a card payment method;

[0081] Figure 2 is a transaction architecture diagram for QR code payment;

[0082] Figure 3 shows a transaction architecture diagram for NFC payment;

[0083] Figure 4 is a transaction payment architecture diagram provided in an embodiment of this application;

[0084] Figure 5 is a flowchart illustrating a transaction method provided in an embodiment of this application;

[0085] Figure 6 is a flowchart illustrating a method for generating a temporary bank card corresponding to a payment code according to an embodiment of this application;

[0086] Figure 7 is a flowchart illustrating the transaction process of converting a payment code to a temporary bank card through interface changes, as provided in an embodiment of this application.

[0087] Figure 8 is a flowchart illustrating a method for converting a payment code to a temporary bank card according to an embodiment of this application.

[0088] Figure 9 is a schematic diagram of a transaction device provided in an embodiment of this application;

[0089] Figure 10 is a schematic diagram of a transaction device provided in an embodiment of this application;

[0090] Figure 11 is a schematic diagram of a transaction device provided in an embodiment of this application;

[0091] Figure 12 is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0092] Common mobile payment methods include QR code payment and card payment. These methods utilize electronic devices such as smartphones and card readers to achieve fast and secure payment transactions.

[0093] The following explains QR code payment and card payment.

[0094] (a) Card payment

[0095] Card payment refers to the process of a user using a bank card to make a transaction at a card reader terminal. A card reader terminal is a device used to process bank card transactions, enabling users to make bank card payments. The main function of a card reader terminal is to read the bank card information and securely transmit it to the payment processor to complete the transaction.

[0096] Card readers can be divided into two types: those with NFC (Near Field Communication) and those without. NFC-enabled card readers include point-of-sale (POS) machines and any other NFC-enabled card reader. NFC is a short-range wireless communication technology that allows the card reader to communicate with the bank card in contact, or even at close range, to complete transaction information exchange.

[0097] Figure 1 shows a transaction architecture diagram for card payment. The following explanation, based on the architecture diagram in Figure 1, illustrates how to implement card payment through a card reader terminal. As shown in Figure 1, this transaction architecture includes: a card reader terminal, a card organization transaction system, and a bank system. It should be noted that the card reader terminal in Figure 1 can be either an NFC-enabled terminal or a non-NFC-enabled terminal; the key is to enable bank card payment.

[0098] The card organization's transaction system is responsible for managing and coordinating the processing, clearing, and settlement of bank card transactions. The bank's system is the transaction system of the issuing bank, used to process various bank card-related transactions. Transaction information is transmitted between the card reader, the card organization's transaction system, and the bank's system via a network connection. Card payment mainly includes the following steps:

[0099] (1) After the user brings the bank card close to the card reader, the card reader reads the card information in accordance with the financial transaction specifications and completes the transaction message assembly in accordance with the existing transaction process.

[0100] Among them, the financial transaction standard is the standard for exchanging electronic information in financial transactions. It defines the message format and communication process, enabling standardized exchange of financial transaction data between different financial systems.

[0101] (2) The card swiping terminal sends the transaction message to the card organization's transaction system. After receiving the bank card transaction message, the card organization's transaction system processes the relevant transaction message according to the bank card transaction rules and logic.

[0102] (3) The card organization's transaction system sends transaction requests and transaction information to the bank's system.

[0103] (4) After receiving the transaction request, the bank system verifies the transaction information and completes the transaction authorization in accordance with the transaction process to complete the transaction payment.

[0104] (II) QR code payment

[0105] QR code payment refers to a payment method where merchants use a scanning device to scan a user's payment code to complete the payment. The scanning device is used to read and parse the payment code; it can be any device capable of QR code payment, such as a handheld barcode scanner. The payment code is the code used to complete the payment transaction. Payment codes include QR codes, barcodes, and digital content. The digital content of the payment code typically contains an identifier used to identify the user's payment account and securely link the user's payment account information and authorized transaction.

[0106] Figure 2 shows a transaction architecture diagram for QR code payment. The following explanation, based on the architecture diagram in Figure 2, illustrates how to implement QR code payment. As shown in Figure 2, this transaction architecture includes: electronic device, payment application client, QR code scanning device, payment application server, card organization transaction system, and bank system.

[0107] The electronic device can be any smart device with a payment application client installed, used to process payment transactions, manage users' payment accounts, and provide other payment-related services. The payment application client can be, for example, any application client capable of enabling payment, such as a bank payment application or a third-party payment application.

[0108] For ease of description, the electronic device with the payment application client installed will be referred to as the payment application client in the following embodiments. The two terms have the same meaning and will not be elaborated further.

[0109] The payment application server is responsible for responding to payment requests, processing payment transactions, managing user accounts, and ensuring transaction security. It typically resides in the cloud and / or at the edge. QR code payment mainly includes the following steps:

[0110] (1) The user opens the payment application client on the electronic device, and the payment application client obtains the payment code containing the user's payment information.

[0111] (2) Merchants use scanning devices to scan users' payment codes.

[0112] (3) The scanning device reads the transaction information in the payment code, and the merchant confirms the transaction information.

[0113] (4) The scanning device sends the transaction request to the payment application server for transaction processing.

[0114] (5) User account information and transaction details on the payment application server. Specifically, when using a linked bank card for QR code payment, the payment application server initiates a payment transaction request to the card organization's transaction system, which then obtains payment authorization from the bank's system. The card organization's transaction system then returns the payment transaction result to the payment application server. When using the payment account balance for QR code payment, the payment application server is responsible for processing the transaction request.

[0115] (6) After verification, the user and the merchant receive a confirmation message that the payment was successful.

[0116] When paying by scanning a QR code, if using a bank's payment application's payment code, the payment amount is deducted primarily from the linked bank card. The scanning device then sends the transaction request to the bank's payment processing server. The subsequent transaction process on the bank's payment processing server is as described above and will not be repeated here. If using a third-party payment application's payment code, the payment amount is deducted from the payment account balance and / or the linked bank card. The scanning device then sends the transaction request to the payment application's server based on the transaction details. The subsequent transaction process on the payment processing server is as described above and will not be repeated here.

[0117] Currently, more and more users are getting used to using QR code payments. Therefore, payment scenarios that only support card payments cause some inconvenience for users.

[0118] NFC-enabled card readers can wirelessly communicate with bank cards via near-field communication (NFC) technology to complete transactions. This NFC technology allows for contactless or non-contact payment between the card reader and the bank card; therefore, this payment method can also be called contactless payment.

[0119] Currently, users can use physical bank cards to make contactless payments with NFC-enabled card readers, or they can use card emulation technology on their electronic devices to simulate bank cards, allowing them to interact with NFC-enabled card readers for payments. In this latter approach, users need to install an NFC payment application client on their electronic device, bind their bank card information to the application client, and complete the necessary authentication process to prepare for the NFC payment.

[0120] Among these, electronic devices are those with NFC functionality on the user side, capable of receiving, processing, and verifying payment information. For example, this could be any electronic device, such as a smartphone, that can install an NFC payment application client and possesses NFC functionality. Card-swiping terminals refer to the aforementioned NFC-enabled card-swiping terminals.

[0121] Figure 3 shows a transaction architecture diagram for NFC payments. The following explanation, based on the architecture diagram in Figure 3, illustrates how to use card emulation mode for NFC payments. As shown in Figure 3, this transaction architecture includes: an electronic device, a card reader, a card organization transaction system, and a bank system. The card organization transaction system and the bank system have the same functions as the systems described above and will not be elaborated upon here. NFC payments mainly include the following steps:

[0122] (1) Users should ensure that the NFC function of their electronic devices is enabled.

[0123] (2) The user brings the electronic device close to the card reader terminal.

[0124] (3) Electronic devices send payment information to the card reader terminal via NFC. The payment information typically includes dynamically generated transaction tokens, device identification codes, etc.

[0125] (4) The card reader reads the card information in accordance with the financial transaction specifications and completes the transaction message assembly in accordance with the existing transaction process.

[0126] Among them, the financial transaction standard is the standard for exchanging electronic information in financial transactions. It defines the message format and communication process, enabling standardized exchange of financial transaction data between different systems.

[0127] (5) The card swiping terminal sends the transaction message to the card organization's transaction system. After receiving the bank card transaction message, the card organization's transaction system processes the relevant transaction message according to the bank card transaction rules and logic.

[0128] (6) The card organization's transaction system sends transaction requests and transaction information to the bank's system.

[0129] (7) After receiving the transaction request, the bank system verifies the transaction information and completes the transaction authorization in accordance with the transaction process.

[0130] The aforementioned NFC payment method using NFC card emulation mode provides users with a convenient payment experience. However, this method requires users to install an NFC payment application client on their mobile phones and bind their bank card information to the application client before making an NFC payment. This complexity leads some users to abandon NFC payment due to the complicated preparation process.

[0131] In view of this, this application provides a transaction method that uses the card emulation mode in NFC to simulate a payment code as a temporary bank card, completing payment transactions between electronic devices and card readers. The method provided by this application enables users accustomed to QR code payments to complete card payments using payment codes in payment scenarios that only support card payments, improving payment efficiency and thus enhancing the user's payment experience. Furthermore, compared to existing payment methods using NFC card emulation mode, the method provided by this application allows users to complete payment transactions between electronic devices and card readers without installing an NFC payment application client.

[0132] The method provided in this application can be applied to any electronic device that can implement QR code payment. The electronic device in this application can refer to smartphones, tablets, etc., but this application is not limited to this.

[0133] By way of example and not limitation, in this embodiment, the electronic device can also be a wearable device. Wearable devices, also known as wearable smart devices, are a general term for devices that utilize wearable technology to intelligently design and develop everyday wearables, such as glasses, gloves, watches, clothing, and shoes. Wearable devices are portable devices that are worn directly on the body or integrated into the user's clothing or accessories. Wearable devices are not merely hardware devices, but also achieve powerful functions through software support, data interaction, and cloud interaction. Broadly speaking, wearable smart devices include those that are feature-rich, large in size, and can achieve complete or partial functions without relying on a smartphone, such as smartwatches or smart glasses, as well as those that focus on a specific type of application function and require the use of other devices such as smartphones, such as various smart bracelets and smart jewelry for vital sign monitoring.

[0134] The methods provided in the embodiments of this application will be described in detail below. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments.

[0135] Figure 4 is a transaction payment architecture diagram provided in an embodiment of this application. The following description, in conjunction with the transaction payment architecture diagram shown in Figure 4, illustrates how to implement the transaction method of this application. As shown in Figure 4, the transaction architecture includes: an electronic device, a payment application server, a card reader terminal, a card organization transaction system, and a bank system. The devices, terminals, and systems in this architecture have the same functions as those described above, and will not be repeated here.

[0136] Figure 5 is a flowchart illustrating a transaction method provided in an embodiment of this application. As shown in Figure 5, the execution subject of this embodiment is the aforementioned electronic device, and the method includes the following steps:

[0137] S501: In response to the user's payment operation, obtain the payment code from the payment application server.

[0138] A payment operation is the process by which a user initiates a payment request.

[0139] For example, a user opens a payment application client on their electronic device and selects QR code payment within the client. This payment application client could be, for example, a bank's payment application or a third-party payment application.

[0140] For example, a user uses the voice assistant on their electronic device to request a payment code. The user says "Generate payment code" or "I want to pay." The voice assistant then sends a payment request to the payment application client, where the user selects to scan the code to pay.

[0141] For example, a user can click a button on an electronic device, which will directly open a payment application client, where they can select QR code payment.

[0142] In response to a user's payment action, the payment application client obtains the payment code from the payment application server.

[0143] For example, the payment application client sends a payment request to the payment application server, which processes the request and generates a payment code. The payment code then automatically pops up on the user's electronic device screen.

[0144] S502. Generate a temporary bank card corresponding to the payment code based on the numerical content of the payment code.

[0145] Temporary bank cards are short-term valid payment cards with a limited expiration period, automatically expiring after the set time. For example, a temporary bank card can be reused within a few minutes of its creation, or it can be used only once, with a new temporary bank card generated for each payment. This embodiment does not restrict the setting period or method of temporary bank cards.

[0146] For example, firstly, the payment application client can obtain the temporary bank card number corresponding to the payment code based on the numerical content of the payment code. Then, the payment application client can use the temporary bank card number to generate a temporary bank card.

[0147] The temporary bank card number is the number required when generating a temporary bank card. The temporary bank card number is consistent with the actual bank card number. It can come from a real bank card number in any banking system or be a simulated card number.

[0148] For example, to obtain a temporary bank card number, the payment application client sends a temporary bank card number request to the payment application server, wherein the request carries the digital content of the payment code. Upon receiving the request, the payment application server can apply for a temporary bank card number from the card organization's transaction system, causing the card organization's transaction system to send the assigned temporary bank card number to the payment application server. After receiving the assigned temporary bank card number, the payment application server sends the temporary bank card number to the payment application client.

[0149] For example, the payment application client of an electronic device could send a temporary bank card number request to the payment application server, carrying the digital content of the payment code. The payment application server would then retrieve the temporary bank card number corresponding to the digital content of the payment code from a temporary bank card number database. This temporary bank card number database could be pre-set by the developer or pre-approved from a card organization's transaction system. Based on the mapping relationship between temporary bank card numbers and digital content, this database could provide the temporary bank card number corresponding to the digital content of the payment code.

[0150] For example, a payment application client on an electronic device sends a temporary bank card number request to the payment application server, carrying the digital content of the payment code. The payment application server then randomly generates a temporary bank card number according to the standard for temporary bank card numbers. This standard refers to the standardized specifications for bank card numbers used in financial transactions.

[0151] For example, a user can copy the payment code from an electronic payment application client and input the payment code into a temporary bank card number generation application client, which will then generate a temporary bank card number.

[0152] When a temporary bank card number is assigned in real time by a non-card organization's transaction system, the temporary bank card number can be synchronized to the card organization's transaction system through the payment application server to ensure subsequent transaction payments.

[0153] After obtaining a temporary bank card number, the payment application client can generate a temporary bank card using that number in the following ways:

[0154] For example, a payment application client uses a temporary bank card number to create a Host Card Emulation (HCE) application in accordance with electronic bank card specifications, thus generating a temporary bank card. These electronic bank card specifications refer to financial policies, regulations, and guidelines for financial transactions.

[0155] HCE (Hardware-Defined Payment) applications enable electronic devices to simulate the function of physical bank cards through software, allowing them to make payments using temporary bank cards without relying on physical security elements. The HCE application contains information about the temporary bank card, as well as the card's transaction interface. The temporary bank card information includes details such as the temporary bank card number. For example, the temporary bank card information might include the primary account number, magnetic stripe data, and integrated circuit card (IC) data. The card's transaction interface refers to the technologies and protocols used to process bank card payment transactions; these interfaces allow for secure data exchange between different systems and devices.

[0156] The function of creating HCE applications can be implemented by the payment application client calling other application interfaces on the electronic device that can create HCE applications, or it can be a built-in function of the payment application client, or it can be implemented by the payment application client calling the mini-program through the interface. There are no restrictions on this.

[0157] S503. Use a temporary bank card and a card reader to conduct contactless payment transactions.

[0158] Contactless payment transactions are short-range payment methods, such as the aforementioned NFC payment, which will not be elaborated further.

[0159] Before using a temporary bank card and a card reader for contactless payment transactions, the following steps may also be included:

[0160] For example, after a temporary bank card is generated, a first prompt message is displayed on the payment interface of the payment application client. The first prompt message is used to prompt the user to make a payment transaction with the card reader terminal.

[0161] For example, after a temporary bank card is generated, the payment application client will display a prompt box, reminding the user to bring their electronic device close to the card reader.

[0162] For example, after a temporary bank card is generated, the electronic device emits a prompt sound, reminding the user to bring the electronic device close to the card reader.

[0163] For example, after a temporary bank card is generated, the electronic device can also generate a demonstration animation to prompt the user that a temporary bank card has been generated and to encourage the user to bring the electronic device close to the card reader.

[0164] After a temporary bank card completes a contactless payment transaction with a card reader, it may also include:

[0165] For example, the payment application client displays a second prompt message on the payment interface, indicating the completion status of the payment transaction.

[0166] For example, an electronic device could emit a payment notification sound to indicate the payment transaction result.

[0167] The transaction method provided in this application allows users to generate a temporary bank card corresponding to a payment code, and then complete payment transactions using the temporary bank card on a card-swiping terminal that only supports card swiping. This method enables users accustomed to QR code payments to complete card payments using a payment code in payment scenarios that only support card swiping, improving payment efficiency and thus enhancing the user's payment experience. The temporary bank card has a limited validity period, reducing the risk of information leakage and fraudulent use, thereby improving payment security.

[0168] The following explains how to determine if a temporary bank card needs to be generated.

[0169] The first method: The user triggers the payment application client to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0170] For example, in response to a user's action on the payment code interface, the payment application client generates a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0171] For example, the payment code interface has a control that users can click to trigger the payment application client to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0172] This control can be, for example, a button control or a voice input control. When it is a voice input control, the user can trigger the payment application client to generate a temporary bank card corresponding to the payment code by inputting voice.

[0173] It should be understood that this embodiment does not limit the position of the control on the payment code interface, nor its form of presentation.

[0174] This method optimizes the user experience by flexibly triggering the payment application client, enabling users to conveniently and quickly generate a temporary bank card corresponding to the payment code.

[0175] The second method: The payment application client triggers an operation based on the payment environment to generate a temporary bank card corresponding to the payment code, based on the digital content of the payment code.

[0176] For example, a payment application client determines its target area based on its location data. Then, based on the payment methods available in that area, it determines the target payment method. If the target payment method is a bank card payment, the payment application client generates a temporary bank card corresponding to the payment code based on the numerical content of the payment code.

[0177] Location data for the payment application client refers to the geographic location information of the payment application server obtained through the location function of the electronic device. Location data can be, for example, the user's area, street, or point of interest (POI), or any other method that can identify the user's location.

[0178] For example, a payment application client pre-stores mappings of payment methods for different target regions. Therefore, the payment application client can determine its current region based on its location data, and then search for the corresponding payment method from the mapping. Alternatively, the payment application client can send this location data to the payment application server, which will then determine the target region and payment method based on the location data and send the result back to the client. The method by which the server obtains the payment method is not limited; it can determine the payment method itself using the method described above, or it can obtain it through interaction with the card organization's transaction system.

[0179] For example, a payment application client can identify whether a card reader is present within a preset range. If a card reader is present, it outputs a query message asking the user whether they wish to pay by bank card. In response to the user's confirmation instruction to pay by bank card based on the query message, a temporary bank card corresponding to the payment code is generated based on the numerical content of the payment code.

[0180] The preset range refers to the area that the payment application client can detect using technical means. These technical means can be, for example, NFC, image recognition, or any other technology that allows the payment application client to detect the area. The query information is the information output by the payment application client when it detects the card reader, used to ask the user whether to use a bank card for payment.

[0181] For example, when a payment application client obtains a payment code from a payment application server, it captures images of the area surrounding the client and uses image recognition technology to determine if a card-swiping terminal is present within a preset range. Existing technologies can be consulted for details on how image recognition technology can be used to identify the presence of a card-swiping terminal, which will not be elaborated upon here.

[0182] For example, payment application clients can also use NFC technology to automatically identify whether a card reader is present within its preset range. For instance, when a user brings the payment application client close to a card reader, the payment application client can identify the card reader through the card reader's NFC signal.

[0183] For example, an electronic device might display a message box when it detects a card reader. In response to the user's confirmation instruction to use bank card payment based on the input of query information, the system executes an operation to generate a temporary bank card corresponding to the payment code, based on the numerical content of the payment code.

[0184] This method intelligently triggers operations based on the payment environment through the payment application client, and performs the operation of generating a temporary bank card corresponding to the payment code based on the digital content of the payment code, thereby greatly improving the convenience and security of the payment experience.

[0185] The third method: The user triggers a control on the payment application server to generate a temporary bank card corresponding to the payment code.

[0186] For example, in response to a user's operation on the electronic device application interface, a control is triggered to open the payment application server, and an operation is performed to generate a temporary bank card corresponding to the payment code.

[0187] The controls can be either touch controls or voice input controls. Touch controls refer to clickable, touchable, and input-enabled components on the application interface of an electronic device, such as buttons, input boxes, and selection boxes. Voice input controls allow users to trigger the opening of the payment application server and generate a temporary bank card corresponding to the payment code through voice input.

[0188] For example, a user triggers a control button to open the payment application server, which generates a temporary bank card corresponding to the payment code.

[0189] For example, users can also trigger the voice input control to generate a temporary bank card corresponding to the payment code through voice input.

[0190] This method uses controls on the electronic device's interface to generate a temporary bank card corresponding to the payment code. This simplifies the payment process, reduces the complexity of user operations, and thus improves the user experience.

[0191] The following example illustrates how to generate a temporary bank card corresponding to a payment code based on its numerical content. Figure 6 is a flowchart illustrating a method for generating a temporary bank card corresponding to a payment code according to an embodiment of this application. As shown in Figure 6, this method may include, for example, the following steps:

[0192] S601. The payment application client sends a temporary bank card number application request to the payment application server. The application request carries digital content.

[0193] For example, a payment application client sends a temporary bank card number request to a payment application server, wherein the request carries the digital content of a payment code. The payment application server then receives the temporary bank card number request.

[0194] S602. The payment application server applies for a temporary bank card number from the card organization's transaction system.

[0195] The payment application server carries the payment code digital content and applies for a temporary bank card number from the card organization's transaction system.

[0196] For example, the card organization transaction system receives a request for a temporary bank card number corresponding to a payment code sent by the payment application server, generates a temporary bank card number according to the temporary bank card number generation rules based on the digital content of the payment code carried by the payment application server, and sends the assigned temporary bank card number to the payment application server.

[0197] For example, the card organization's transaction system could receive a request from the payment application server for a temporary bank card number corresponding to the payment code. The card organization's transaction system could then retrieve the temporary bank card number corresponding to the numerical content of the payment code from a temporary bank card number database. This temporary bank card number database could be pre-set by the developer, and it could provide the temporary bank card number corresponding to the numerical content of the payment code based on the mapping relationship between temporary bank card numbers and numerical content.

[0198] For example, when a card organization's transaction system receives a request for a temporary bank card number corresponding to a payment code sent by the payment application server, the card organization's transaction system randomly generates a temporary bank card number according to the card number standard. This card number standard refers to the standard specifications for bank card numbers used in financial transactions.

[0199] The card organization's transaction system can record the mapping relationship between the temporary bank card number and the payment application server.

[0200] S603, The payment application server sends a temporary bank card number to the payment application client.

[0201] Accordingly, the payment application client receives the temporary bank card number.

[0202] S604. The payment application client uses this temporary bank card number to generate a temporary bank card.

[0203] For example, a payment application client uses a temporary bank card number to create an HCE application according to electronic bank card specifications. The HCE application contains information about the temporary bank card, as well as the bank card's transaction interface. The temporary bank card information may include, for example, the temporary bank card number.

[0204] For example, an electronic device may have a temporary bank card application client installed. The user enters the temporary bank card number into the application client and selects the "Create Temporary Bank Card" option. The application client then generates a temporary bank card.

[0205] The method for generating a temporary bank card provided in this application allows users to obtain a temporary bank card number corresponding to a payment code, and then generate a temporary bank card based on that number. In this implementation, users do not need to install a dedicated NFC payment application client on their electronic devices, nor do they need to bind additional bank card information; a temporary bank card can be generated simply by using the payment code. This simplifies the creation process of a temporary bank card, reduces the complexity of user operations, and improves the user experience.

[0206] The following example illustrates how to use a temporary bank card and a card reader to conduct contactless payment transactions.

[0207] This application provides a method for contactless payment transactions using a temporary bank card and a card reader terminal. For ease of understanding, the following embodiments are described from the perspective of an HCE application. It should be understood that the content performed by the HCE application refers to the operations implemented by the electronic device running the HCE application. Furthermore, if the HCE application is an application independent of the payment application client, it can be considered as an operation implemented by the electronic device calling the HCE application through the payment application client. If the HCE application is an application integrated into the payment application client, it can also be viewed as an operation implemented by the electronic device through the payment application client.

[0208] Furthermore, the interaction between the card reader and the electronic device is achieved through NFC technology. This will not be elaborated upon further.

[0209] For example, it may include the following steps:

[0210] (1) The HCE application is close to the card reader, and the card reader sends a transaction request command to the HCE application.

[0211] The transaction request command can be any command that requests temporary bank card information and transaction authentication, such as the Application Protocol Data Unit (APDU) command. The APDU command is the basic unit of communication between the bank card and the card reader terminal, and is used to perform various operations, such as reading data, writing data, and verifying identity.

[0212] (2) The HCE application responds to the transaction request command and requests a temporary key for generating the encrypted data used in the transaction from the payment application server through the payment application client.

[0213] The encrypted data can be, for example, application cryptogram (AC), or any encrypted data generated during a transaction. The AC is encrypted data generated by the temporary bank card during the transaction process, used to verify the integrity, authenticity, and confidentiality of the transaction data, ensuring that information is not tampered with or leaked during transmission and storage. The HCE application requests a temporary key from the payment application server through the payment application client to generate the encrypted data used in the transaction, and then performs encryption calculations on the temporary bank card content according to a standard algorithm to generate the AC. The standard algorithm is a suitable encryption algorithm for generating application cryptograms, and this application embodiment does not limit this. The AC can have different types, such as an authorization request password and an authorization response password. The authorization request password is an application password generated by the HCE application, used to request authorization from the card organization's transaction system via the card reader during the transaction process. The authorization response password is generated by the bank system and returned to the payment application server by the card organization's transaction system in response to the previous authorization request password. The authorization response password is used to confirm the authorization status of the transaction and ensure the integrity and security of the transaction process.

[0214] (3) HCE applications use temporary keys to encrypt the contents of temporary bank cards and generate encrypted data.

[0215] (4) The HCE application interacts with the card reader terminal through the bank card transaction interface and sends temporary bank card information to the card reader terminal.

[0216] The temporary bank card information may include, for example, the temporary bank card master account number, magnetic stripe data, and integrated circuit (IC) card data. The temporary bank card information simulates the information present in a physical bank card. This application is an embodiment and does not limit the type of temporary bank card information. The aforementioned temporary bank card master account number is the bank card number of the temporary bank card, used to identify the user's account. The magnetic stripe data simulates the data stored on the magnetic stripe of a physical bank card, including magnetic stripe 2 data and magnetic stripe 3 data. Magnetic stripe 2 data includes the temporary bank card master account number, expiration date, service code, optional data, etc., while magnetic stripe 3 data includes the temporary bank card master account number, separator, other account information, etc. The IC card data simulates the data stored in the microprocessor chip of a physical bank card, and includes application ciphertext, card verification results (CVR), application transaction counter (ATC), application identifier (AID), etc.

[0217] (5) The card reader reads the temporary bank card information sequentially according to the financial transaction specifications. And completes the message encapsulation of the temporary bank card information in accordance with the financial transaction specifications.

[0218] (6) The card swiping terminal sends the message to the card organization's transaction system, which processes the payment transaction according to the existing bank card transaction rules and logic.

[0219] (7) The card organization transaction system transmits temporary bank card information to the payment application server.

[0220] (8) The payment application server will process the subsequent transactions according to the existing payment code transaction method.

[0221] (9) The payment application server returns the transaction result to the payment application client. The payment application client receives the transaction result and displays the result.

[0222] The contactless transaction method provided in this application simplifies the payment process. Users only need to bring their electronic devices close to the card reader to complete the transaction, eliminating the need for inserting, swiping, or entering a PIN. This greatly improves payment convenience and response speed, making the transaction process faster and increasing transaction speed.

[0223] The following is a specific example illustrating how to implement a payment transaction. Figure 7 is a flowchart illustrating the transaction process of converting a payment code to a temporary bank card through interface changes, as provided in an embodiment of this application. Figure 8 is a flowchart illustrating a method for implementing a payment code to a temporary bank card transaction, as provided in an embodiment of this application. As shown in Figure 8, this method may include, for example, the following steps:

[0224] S801: The payment application client responds to the user's payment operation by obtaining the payment code from the payment application server.

[0225] As shown in Figures 7a and 7b, a user's payment operation could be, for example, clicking the payment application client control on the interface to open the payment application client interface, or clicking the payment / receive control in the payment application client to open the payment code interface. The above is merely an illustrative example of a user's payment operation, and this application embodiment does not impose any limitations on it.

[0226] S802. The payment application client sends an initial temporary bank card number application request to the payment application server. The application request carries digital content.

[0227] As shown in Figure 7c, the operation of the payment application client sending an initial temporary bank card number application request to the payment application server can be, for example, clicking the "Generate Temporary Bank Card" control on the payment code interface. The above is only an example of the application request operation, and this embodiment does not limit it.

[0228] S803, The payment application server sends a temporary bank card number application request to the card organization's transaction system.

[0229] S804, The card organization transaction system sends the assigned temporary bank card number to the payment application server.

[0230] The payment application server records the mapping relationship between temporary bank card numbers and digital content.

[0231] S805, The payment application server sends a temporary bank card number to the payment application client.

[0232] S806. The payment application client uses a temporary bank card number and creates an HCE application in accordance with the electronic bank card specification.

[0233] S807 The payment application client displays the first prompt message on the payment interface, prompting the electronic device to be brought close to the card reader.

[0234] As shown in Figure 7d, the first prompt message displayed on the payment interface could be, for example, a pop-up message asking the card reader to bring the card closer. The above is merely an example illustrating how the first prompt message can be displayed on the payment interface; this application does not limit the scope of the implementation.

[0235] The S808 payment application client uses NFC communication to interact with the card reader terminal via HCE application, providing transaction payment information to the card reader terminal.

[0236] S809, The card swiping terminal sends a message to the card organization's transaction system.

[0237] In this process, the card reader encapsulates the temporary bank card information into a message in accordance with financial transaction standards.

[0238] S810, the card organization transaction system sends a transaction processing request to the payment application server.

[0239] In this process, the card organization's transaction system transmits temporary bank card information to the payment application server.

[0240] S811. The payment application server will process the subsequent transactions according to the existing payment code transaction method.

[0241] S812, The payment application server returns the transaction result to the payment application client.

[0242] S813, The payment application client outputs a second prompt message, indicating the transaction result.

[0243] As shown in Figure 7e, the payment interface may output a second prompt message, for example, through the pop-up interface shown in the figure. The above is merely an example illustrating how the payment interface can output a second prompt message; this application does not limit the scope of the implementation.

[0244] The transaction method provided in this application allows users to generate a temporary bank card corresponding to a payment code, and then complete payment transactions using the temporary bank card on a card-swiping terminal that only supports card swiping. This method enables users accustomed to QR code payments to complete payments in scenarios that only support card swiping, thereby improving the user's payment experience. Furthermore, the temporary bank card has an expiration date, which reduces the risk of information leakage and fraudulent use, improving payment security. Users can also generate temporary bank cards at any time to adapt to different payment scenarios, greatly improving payment convenience and response speed, making the transaction process faster and increasing transaction speed.

[0245] Figure 9 is a schematic diagram of a transaction device provided in an embodiment of this application. As shown in Figure 9, the device includes a first acquisition module 901, a second acquisition module 902, and a transaction module 903. Optionally, the device may further include, for example, a sending module 904, a receiving module 905, and an output module 906.

[0246] The first acquisition module 901 is used to obtain the payment code from the payment application server in response to the user's payment operation.

[0247] The second acquisition module 902 is used to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code.

[0248] Transaction module 903 is used for contactless payment transactions using a temporary bank card and a card reader terminal.

[0249] Optionally, the second acquisition module 902 is specifically used to acquire the temporary bank card number corresponding to the payment code based on the digital content; and to generate a temporary bank card using the temporary bank card number.

[0250] For example, the second acquisition module 902 is specifically used to send an initial temporary bank card number application request to the payment application server through the sending module 904, the application request carrying digital content; and to receive the temporary bank card number returned by the payment application server through the receiving module 905, the temporary bank card number being applied for by the payment application server from the card organization transaction system.

[0251] Optionally, the second acquisition module 902 is specifically used to create an HCE application using the temporary bank card number, in accordance with the electronic bank card specification. The HCE application contains information about the temporary bank card, as well as the bank card's transaction interface. The information about the temporary bank card includes the temporary bank card number.

[0252] Optionally, the transaction module 903 is specifically used to interact with the card reader terminal via HCE application using NFC communication to provide transaction payment information to the card reader terminal. The transaction payment information includes a temporary bank card number.

[0253] Optionally, the transaction payment information includes: application ciphertext; the transaction module 903 is also used to obtain a temporary key corresponding to the payment code from the payment application server. The application ciphertext is generated using the temporary key.

[0254] Optionally, the second acquisition module 902 is specifically used to respond to the user's operation on the payment code interface and generate a temporary bank card corresponding to the payment code based on the numerical content of the payment code.

[0255] Optionally, the second acquisition module 902 is specifically used to determine the target area where the payment application client is located based on the location data of the payment application client. Based on the payment method of the target area, the target payment method is determined. If the target payment method is a bank card payment, a temporary bank card corresponding to the payment code is generated based on the numerical content of the payment code.

[0256] Optionally, the second acquisition module 902 is specifically used to identify whether a card-swiping terminal exists within a preset range. When a card-swiping terminal exists, an inquiry message is output to ask the user whether to use a bank card payment method. In response to the user's confirmation instruction to use a bank card payment method based on the inquiry message, a temporary bank card corresponding to the payment code is generated according to the numerical content of the payment code.

[0257] Optionally, the output module 906 is used to output a first prompt message on the payment interface before the transaction module 903 uses a temporary bank card to conduct a contactless payment transaction with the card reader terminal. The first prompt message is used to prompt the user to conduct a payment transaction with the card reader terminal.

[0258] Optionally, the transaction module 903 is also used to output a second prompt message on the payment interface after a contactless payment transaction is made using a temporary bank card and a card reader terminal. The second prompt message is used to indicate the completion status of the payment transaction.

[0259] The transaction device provided in this application embodiment can be used to execute the actions of the payment transaction client in the aforementioned transaction method. Its implementation principle, process and beneficial effects can be found in the aforementioned embodiments, and will not be repeated here.

[0260] Figure 10 is a schematic diagram of a transaction device provided in an embodiment of this application. As shown in Figure 10, the device includes: a first sending module 1001, a receiving module 1002, an acquisition module 1003, a second sending module 1004, and a storage module 1005. Optionally, the device may further include a transaction module 1006.

[0261] The first sending module 1001 is used to send a payment code to the payment application client.

[0262] The receiving module 1002 is used to receive an initial temporary bank card number application request sent by the payment application. The application request carries the digital content of the payment code.

[0263] Module 1003 is used to request a temporary bank card number from the card organization's transaction system.

[0264] The second sending module 1004 is used to send a temporary bank card number to the payment application client, so that the payment application client can generate a temporary bank card based on the temporary bank card number and use the temporary bank card to conduct payment transactions with the card reader terminal.

[0265] Storage module 1005 is used to record the mapping relationship between temporary bank card numbers and digital content.

[0266] Optionally, the receiving module 1002 is further configured to receive a transaction processing request sent by the card organization's transaction system. The transaction processing request includes transaction payment information corresponding to the temporary bank card. The transaction payment information includes the temporary bank card number and originates from the card-swiping terminal that interacts with the payment application client for contactless payment transactions. The obtaining module 1003 is further configured to obtain the digital content corresponding to the temporary bank card number. The transaction module 1006 is configured to process the transaction processing request using a payment code transaction process to complete the payment transaction.

[0267] The transaction device provided in this application embodiment can be used to execute the payment transaction server action in the aforementioned transaction method. Its implementation principle, process and beneficial effects can be found in the aforementioned embodiments, and will not be repeated here.

[0268] Figure 11 is a schematic diagram of a transaction device provided in an embodiment of this application. As shown in Figure 11, the device includes: a first receiving module 1101, a sending module 1102, a second receiving module 1103, a processing module 1104, and a second sending module 1105.

[0269] The first receiving module 1101 is used to receive the application request for a temporary bank card number corresponding to the payment code sent by the payment application server.

[0270] The first sending module 1102 is used to send the allocated temporary bank card number to the payment application server so that the payment application server can send the temporary bank card number to the payment application client. The temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with the card swiping terminal.

[0271] The second receiving module 1103 is used to receive an initial transaction processing request sent by the card-swiping terminal after a contactless payment transaction based on a temporary bank card is conducted with the payment application client. The initial transaction processing request includes transaction payment information corresponding to the temporary bank card. The transaction payment information includes the temporary bank card number.

[0272] Processing module 1104 is used to generate a transaction processing request based on the initial transaction processing request.

[0273] The second sending module 1105 is used to send the generated transaction processing request to the payment application server so that the payment application server can complete the payment transaction using the payment code transaction process. The transaction processing request includes transaction payment information.

[0274] The transaction device provided in this application embodiment can be used to execute the actions of the card organization transaction system in the aforementioned transaction method. Its implementation principle, process and beneficial effects can be found in the aforementioned embodiments, and will not be repeated here.

[0275] Figure 12 is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. As shown in Figure 12, the electronic device 1200 may include a memory 1201 and a processor 1202. The electronic device may, for example, be the aforementioned smartphone. Optionally, the electronic device may further include a transceiver 1203, wherein the memory 1201 and the processor 1202 communicate; exemplaryly, the memory 1201, the processor 1202, and the transceiver 1203 may communicate via a communication bus 1204. The memory 1201 stores a computer program, and the processor 1202 executes the computer program to implement the methods of the above embodiments. The transceiver may, for example, be a CAN transceiver.

[0276] Optionally, the aforementioned processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps in the method embodiments disclosed in this application can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0277] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the methods in any of the above method embodiments.

[0278] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the methods in any of the above method embodiments.

[0279] This application also provides a transaction payment architecture as shown in Figure 4, which includes: a payment application system, a card organization transaction system, a card reader terminal, and a bank system. The payment application system includes a payment application client and a payment application server.

[0280] The payment application client communicates with the payment application server and the card reader, respectively, while the card organization transaction system communicates with the card reader, the bank system, and the payment application server, respectively.

[0281] A payment application client is used to perform the actions described in the foregoing method embodiments. A payment application server is used to perform the actions described in the foregoing method embodiments. A card organization transaction system is used to perform the actions described in the foregoing method embodiments.

[0282] All or part of the steps of the above method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a readable memory. When the program is executed, it performs the steps of the above method embodiments; and the aforementioned memory (storage medium) includes: read-only memory (ROM), RAM, flash memory, hard disk, solid-state drive, magnetic tape, floppy disk, optical disk, and any combination thereof.

[0283] This application describes embodiments with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should 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 processing unit 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 processing unit of the computer or other programmable data processing apparatus, create means for implementing the functions specified in one or more blocks of the flowchart illustrations and / or one or more blocks of the block diagrams.

[0284] 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.

[0285] 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.

[0286] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0287] The above description is merely a specific embodiment of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

Claims

1. A trading method, the method comprising: In response to the user's payment action, obtain the payment code from the payment application server; Based on the digital content of the payment code, generate a temporary bank card corresponding to the payment code; Use the temporary bank card to make contactless payment transactions with the card reader terminal.

2. The method of claim 1, wherein, The step of generating a temporary bank card corresponding to the payment code based on the digital content includes: Based on the digital content, obtain the temporary bank card number corresponding to the payment code; Use the temporary bank card number to generate a temporary bank card.

3. The method of claim 2, wherein, The step of obtaining the temporary bank card number corresponding to the payment code based on the digital content includes: Send an initial temporary bank card number application request to the payment application server, the application request carrying the digital content; The payment application server receives the temporary bank card number returned by the payment application server, which is the temporary bank card number applied for by the payment application server from the card organization's transaction system.

4. The method of claim 2, wherein, The step of generating a temporary bank card using the temporary bank card number includes: Using the temporary bank card number, an HCE application is created in accordance with the electronic bank card specification; the HCE application contains information about the temporary bank card, as well as the bank card's transaction interface; the information about the temporary bank card includes the temporary bank card number.

5. The method of claim 4, wherein, The use of the temporary bank card to conduct contactless payment transactions with the card reader includes: The HCE application interacts with the card reader terminal using NFC communication to provide transaction payment information to the card reader terminal; the transaction payment information includes a temporary bank card number.

6. The method of claim 5, wherein, The transaction payment information includes: application ciphertext; the method further includes: Obtain the temporary key corresponding to the payment code from the payment application server; The application ciphertext is generated using the temporary key.

7. The method according to any one of claims 1 to 6, wherein, The step of generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes: In response to the user's operation on the payment code interface, a temporary bank card corresponding to the payment code is generated based on the digital content of the payment code.

8. The method according to any one of claims 1-6, wherein, The step of generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes: Based on the location data of the payment application client, the target area where the payment application client is located is determined; Determine the target payment method based on the payment methods in the target region; When the target payment method is a bank card payment method, a temporary bank card corresponding to the payment code is generated based on the digital content of the payment code.

9. The method according to any one of claims 1-6, wherein, The step of generating a temporary bank card corresponding to the payment code based on the digital content of the payment code includes: Identify whether a card-swiping terminal exists within a preset range; When a card reader is available, an inquiry message is output, which asks the user whether to use a bank card payment method. In response to the user's confirmation instruction to use bank card payment based on the query information, a temporary bank card corresponding to the payment code is generated according to the digital content of the payment code.

10. The method of any one of claims 1-6, wherein, Before using the temporary bank card to conduct a contactless payment transaction with the card reader terminal, the method further includes: The payment interface displays a first prompt message, which prompts the user to complete the payment transaction with the card reader.

11. The method according to any one of claims 1-6, wherein, After using the temporary bank card to conduct a contactless payment transaction with the card reader terminal, the method further includes: A second notification message is displayed on the payment screen to indicate the completion status of the payment transaction.

12. A method of trading, wherein, The method includes: Send a payment code to the payment application client; Receive an initial temporary bank card number application request sent by the payment application client; the application request carries the digital content of the payment code; Apply for a temporary bank card number from the card organization's transaction system; Send the temporary bank card number to the payment application client so that the payment application client can generate a temporary bank card based on the temporary bank card number and use the temporary bank card to conduct payment transactions with the card reader terminal; Record the mapping relationship between the temporary bank card number and the digital content.

13. The method of claim 12, wherein, The method further includes: The system receives a transaction processing request from a card organization transaction system. The transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number and originates from a card-swiping terminal that interacts with the payment application client for contactless payment transactions. Based on the temporary bank card number, obtain the digital content corresponding to the temporary bank card number; The transaction processing request is processed using a payment code transaction process to complete the payment transaction.

14. A method of trading, wherein, The method includes: Receive a request from the payment application server for a temporary bank card number corresponding to the payment code; Send the assigned temporary bank card number to the payment application server so that the payment application server can send the temporary bank card number to the payment application client. The temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with the card reader terminal. The system receives an initial transaction processing request sent by the card-swiping terminal after a contactless payment transaction is conducted with the payment application client based on the temporary bank card. The initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number. A transaction processing request is generated based on the initial transaction processing request and sent to the payment application server so that the payment application server can complete the payment transaction using the payment code transaction process. The transaction processing request includes the transaction payment information.

15. A transaction device, wherein, The device includes: The first acquisition module is used to obtain the payment code from the payment application server in response to the user's payment operation; The second acquisition module is used to generate a temporary bank card corresponding to the payment code based on the digital content of the payment code; The transaction module is used to conduct contactless payment transactions using the temporary bank card and the card reader terminal.

16. A transaction device, wherein, The device includes: The first sending module is used to send payment codes to the payment application client; The receiving module is used to receive an initial temporary bank card number application request sent by the payment application terminal; the application request carries the digital content of the payment code; The acquisition module is used to request a temporary bank card number from the card organization's transaction system; The second sending module is used to send the temporary bank card number to the payment application client, so that the payment application client can generate a temporary bank card based on the temporary bank card number and use the temporary bank card to conduct payment transactions with the card reader terminal. A storage module is used to record the mapping relationship between the temporary bank card number and the digital content.

17. A transaction device, wherein, The device includes: The first receiving module is used to receive the application request for a temporary bank card number corresponding to the payment code sent by the payment application server; The first sending module is used to send the allocated temporary bank card number to the payment application server, so that the payment application server sends the temporary bank card number to the payment application client. The temporary bank card number is used by the payment application client to generate a temporary bank card for contactless payment transactions with the card reader terminal. The second receiving module is used to receive an initial transaction processing request sent by the card swiping terminal after a contactless payment transaction is conducted with the payment application client based on the temporary bank card. The initial transaction processing request includes: transaction payment information corresponding to the temporary bank card; the transaction payment information includes the temporary bank card number. The processing module is used to generate a transaction processing request based on the initial transaction processing request; The second sending module is used to send the generated transaction processing request to the payment application server so that the payment application server can complete the payment transaction using the payment code transaction process. The transaction processing request includes the transaction payment information.

18. An electronic device, comprising: The electronic device includes: a processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1-14.

19. A computer readable storage medium, wherein, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1-14.

20. A computer program product, wherein, Includes a computer program that, when executed by a processor, implements the method of any one of claims 1-14.

21. A transaction payment architecture, wherein, The transaction payment architecture includes: a payment application system, a card organization transaction system, a card reader terminal, and a banking system; the payment application system includes a payment application client and a payment application server. The payment application client is communicatively connected to the payment application server and the card swiping terminal, respectively; the card organization transaction system is communicatively connected to the card swiping terminal, the bank system, and the payment application server, respectively. The payment application client is configured to perform the method as described in any one of claims 1-11; The payment application server is configured to perform the method as described in any one of claims 12-13; The card organization transaction system is used to perform the method as described in claim 14.

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