NFC Payment Triggering via Electromagnetic Signal
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Solution Overview
Problem
Existing mobile payment methods require users to exit their current application, navigate to a payment app, and enable code scanning or display a payment code, making the payment process complex and cumbersome.
Innovation Solution
A payment method based on near field communication (NFC) that allows a mobile terminal to send an electromagnetic signal to trigger an NFC tag, obtain tag information including payment link information, display a payment page, obtain payment information, and send a payment processing request to a server for completion.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional payment method is used, then payment function can be achieved, but user operations are complex and time-consuming
Solution Approach 1:
The payment code is pre-generated and stored in the NFC tag before the payment transaction. When payment is needed, the user simply approaches the terminal with the NFC tag already prepared, eliminating the need to generate or search for payment codes during the transaction process. This preliminary preparation significantly reduces payment time and operational complexity.
Solution Approach 2:
The NFC tag acts as an intermediary carrier between the user's payment information and the terminal's processing system. Instead of requiring the user to manually input payment details or navigate complex interfaces, the NFC tag automatically transmits pre-stored payment information to the terminal, simplifying the payment operation to a simple approach action.
2Ease of operation
If payment application is opened manually, then payment function is accessible, but user experience is degraded due to complex navigation
Solution Approach 1:
The NFC tag contains self-contained payment information that automatically activates when approached by a terminal with NFC reading capability. The system performs self-service by automatically retrieving and transmitting payment information without requiring the user to manually open applications, search for payment functions, or perform multiple navigation steps. This transforms a complex multi-step process into a single automatic action.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Simplifies user operations by eliminating the need to find and navigate through payment applications, improving user experience by streamlining the payment process through NFC technology.
Implementation Method 1
sending, by a mobile terminal with a near field communication function, an electromagnetic signal used to trigger an NFC tag
Data Source
AI summary
Embodiments of this specification disclose a payment method based on near field communication, apparatus, and device, and a medium. The solution includes: sending, by a mobile terminal with a near field communication function, an electromagnetic signal used to trigger an NFC tag; obtaining tag information in the NFC tag in response to the electromagnetic signal, where the tag information includes payment link information; displaying, based on the payment link information, a payment page including user information of a first transaction party; obtaining payment information provided by a second transaction party based on the payment page; and sending a payment processing request including the payment information to a server, where the server is configured to complete payment based on the payment processing request.