CN104123643A - Payment method and payment system on basis of NFC (near field communication) - Google Patents

Abstract

The present invention provides an NFC-based payment method and system, including a paid terminal device equipped with an NFC chip and a payment terminal device equipped with an NFC chip. On the paid terminal device side, the method includes: receiving a request for purchasing a specified commodity object And generate an order according to the sales attribute of the commodity object selected by the user; after receiving the operation of confirming and submitting the order, extract the information in the order to generate a payment request; send a request to establish a communication connection to the payment terminal device to establish a close relationship between the two Field communication connection; send the payment request to the payment terminal device, so that the payment terminal can perform the payment operation; receive the payment completion information returned by the payment terminal and perform follow-up operations on the corresponding order according to the payment completion information. The NFC-based payment method and system provided by the present invention are more convenient for smart TV users to pay online, improve the efficiency of smart TV users' online payment, and the security of the payment operation based on the near field communication is higher.

Description

NFC-based payment method and system

technical field

The present invention relates to the field of financial payment, in particular, to an NFC-based payment method and system.

Background technique

With the development of electronic information technology, there are more and more consumptions based on the Internet, which in turn drives the development of online payment services.

Existing online payment services include payment through online banking, payment through payment applications similar to Alipay, and the like.

These online payment methods all install payment applications in terminal devices, such as installing Alipay in mobile phones. When shopping online through mobile phones, you can directly use Alipay for payment.

Smart TV is also a kind of terminal device. With the popularization and application of smart TV, there will also be some paid items on smart TV, such as shopping in TV mall and paying service fees. Although current smart TVs are generally equipped with an operating system and support the installation of third-party applications, for users, on the one hand, the use of smart TVs is still mainly for watching TV programs, and subjectively, they may not be willing to directly use smart TVs. Install payment applications on TV; on the other hand, even if users want to install such payment applications, software developers need to develop related applications that can run on smart TV operating systems. If there is no payment application specially developed for smart TVs , the user cannot implement the installation. In short, all of the above limits the application of online payment in smart TVs. Therefore, in the prior art, payment items generated in smart TVs can only be realized by manual delivery, purchase of recharge cards, bank counter or automatic deposit/cash machine transfer, which is inconvenient for users.

In short, the online payment methods in the prior art cannot be well applied to terminal devices such as smart TVs.

Contents of the invention

The technical problem to be solved by the present invention is to provide a payment method and system based on NFC, which uses the near-field communication characteristics of NFC to solve the problem that online payment in the prior art is not applicable to terminal devices such as smart TVs, and is more convenient for smart TV users Performing online payment improves the efficiency of online payment for smart TV users, and the security of the payment operation based on the near field communication is higher.

In order to solve the above problems, on the one hand, an NFC-based payment method is provided, including a payee device provided with an NFC chip and a payer device provided with an NFC chip, and the payee device and the payer device are connected on the network,

On the side of the paid terminal device, the method includes:

Receive a request to purchase a specified commodity object and generate an order according to the sales attribute of the commodity object selected by the user;

After receiving the operation of confirming the submission of the order, extract the information in the order to generate a payment request;

Send a request for establishing a communication connection to the payment terminal device, so as to establish a near field communication connection between the two through the NFC chips of the two;

sending the payment request to the payment terminal device, so that the payment terminal performs a payment operation according to the payment request;

Receive the payment completion information returned by the payment terminal device and perform subsequent operations on the corresponding order according to the payment completion information, wherein the payment completion information includes an order identifier.

Further, before sending the request for establishing a communication connection to the payment terminal device, it also includes:

After the electromagnetic field is emitted by the NFC chip in the paid-end device, it is judged whether there are electromagnetic waves sent by other NFC chips in the electromagnetic field, and if so, there is a payment-end device.

Further, the paid-end devices include smart TVs, PCs, and POS machines, and the paid-end devices include mobile phones and tablet computers.

In addition, an NFC-based payment method is also provided, including a payee device provided with an NFC chip and a payer device provided with an NFC chip, the payee device and the payer device are both connected to the network,

On the side of the payment terminal device, the method includes:

Receive the request for establishing a communication connection sent by the paid terminal device, and establish a near field communication connection between the two through the NFC chips of the two;

receiving the payment request sent by the paid terminal device;

After receiving the operation of confirming the payment, start the payment application preset in the payment terminal device and send the payment request to the payment server corresponding to the payment application;

receiving a payment instruction generated by the payment server according to the payment request, and deducting money from the payment application according to the payment instruction;

generating payment completion information and sending the payment completion information to the paid-end device through the near-field communication connection, so that the paid-end device performs subsequent operations on the corresponding order according to the payment completion information, wherein, The payment completion information includes an order identifier.

Further, the payment terminal device is also provided with a secure element chip, and the secure element chip is provided with an encryption logic circuit for encrypting data,

After receiving the payment instruction generated by the payment server according to the payment request, it further includes:

Display the payment password input page of the payment application;

After receiving the payment password, encrypt the payment password through the secure element chip and send it to the payment server, so that after receiving the information confirming that the password is correct sent by the payment server, the payment will be deducted from the payment application according to the payment instruction. payment.

Further, when deducting money from the payment application according to the payment instruction, it also includes:

The bank card information pre-stored in the payment application is encrypted by the secure element chip, so as to ensure the security of the bank card information during the deduction process.

On the other hand, a payment system based on NFC is also provided, including a payee device provided with an NFC chip and a payer device provided with an NFC chip, the payee device and the payer device are both connected to the network,

On the side of the paid terminal device, it includes:

An order generating unit, configured to receive a request for purchasing a specified commodity object and generate an order according to the sales attribute of the commodity object selected by the user;

The payment request generation unit extracts the information in the order to generate a payment request after receiving the operation of confirming the submission of the order, wherein the payment request information includes the order identifier, payment amount and payee account information;

A connection request unit, configured to send a request for establishing a communication connection to the payment terminal device, so as to establish a near field communication connection between the two through their NFC chips;

a payment request sending unit, configured to send the payment request to the payment terminal device, so that the payment terminal performs a payment operation according to the payment request;

The information receiving unit is configured to receive the payment completion information returned by the payment terminal and perform follow-up operations on the corresponding order according to the payment completion information, wherein the payment completion information includes an order identifier.

Further, on the side of the paid terminal device, it also includes:

The judging unit is used for judging whether there are electromagnetic waves sent by other NFC chips in the electromagnetic field after the electromagnetic field is sent by the NFC chip in the paid terminal device, and if so, there is the paid terminal device.

Further, the paid-end devices include smart TVs, PCs, and POS machines, and the paid-end devices include mobile phones and tablet computers.

In addition, an NFC-based payment system is also provided, including a payee device provided with an NFC chip and a payer device provided with an NFC chip, the payee device and the payer device are both connected to the network,

On the side of the payment terminal device, it includes:

The receiving connection request unit is used to receive the request for establishing a communication connection sent by the paid terminal device, and establish a near field communication connection between the two through the NFC chips of the two;

The receiving payment request unit is used to receive the payment request sent by the paid terminal device, wherein the payment request information includes the order identifier, payment amount and payee account information;

The starting unit is configured to start the payment application preset in the payment terminal device and send the payment request to the payment server corresponding to the payment application after receiving the operation of confirming the payment;

A receiving instruction unit, configured to receive a payment instruction generated by the payment server according to the payment request, and deduct money from the payment application according to the payment instruction;

An information generation unit, configured to generate payment completion information and send the payment completion information to the paid terminal through the near field communication connection, so that the paid terminal can follow up the corresponding order according to the payment completion information Operation, wherein the payment completion information includes an order identifier.

Further, the payment terminal device is also provided with a secure element chip, and the secure element chip is provided with an encryption logic circuit for encrypting data,

The system also includes:

The display unit is used to display the payment password input page of the payment application;

The encryption unit is used to encrypt the payment password through the secure element chip and send it to the payment server after receiving the payment password on the payment password input page, so that after receiving the information confirming that the password is correct sent by the payment server, according to the The payment instruction deducts money from the payment application.

Further, the encryption unit is also used for:

The bank card information pre-stored in the payment application is encrypted by the secure element chip, so as to ensure the security of the bank card information during the deduction process.

Compared with the prior art, one of the above technical solutions has the following advantages:

Using the NFC-based payment method and system provided by the embodiments of the present invention, the paid-end device and the payer-end device can establish a near-field communication connection between the two through their NFC chips, and complete the payment through the payment application preset in the payer. The online payment at the paid end solves the problem that the existing online payment is not applicable to terminal devices such as smart TVs, and it is more convenient for smart TV users to pay online. The method has simple steps and can improve the efficiency of online payment for smart TV users. Since near-field communication has natural security, the security of the payment operation based on the near-field communication between the payee device and the payer device is higher. Moreover, since the password input page is set during the payment process, the payment process is also safer. In addition, an SE chip can be set in the payment terminal device to further improve the security of the payment process.

Description of drawings

Fig. 1 is a schematic flow chart of Embodiment 1 of the NFC-based payment method of the present invention;

2 is a schematic diagram of a display interface of a smart TV in Embodiment 1 of the NFC-based payment method of the present invention;

FIG. 3 is a schematic flow diagram of Embodiment 2 of the NFC-based payment method of the present invention;

Fig. 4 is a schematic diagram (1) of the display interface of the mobile phone in the second embodiment of the NFC-based payment method of the present invention;

Fig. 5 is a schematic diagram (2) of the display interface of the mobile phone in the second embodiment of the NFC-based payment method of the present invention;

6 is a schematic structural diagram of Embodiment 1 of the NFC-based payment system of the present invention;

Fig. 7 is a schematic structural diagram of Embodiment 2 of the NFC-based payment system of the present invention.

Detailed ways

In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

First, a brief introduction is made to the NFC involved in the present invention.

NFC is the abbreviation of Near Field Communication, commonly known as near field communication, which is a short-range high-frequency wireless communication technology working in the 13.56MHz frequency band. Compatible with RFID. The NFC chip can integrate non-contact card readers, non-contact smart cards and point-to-point communication functions, and can establish a near-field communication connection between NFC devices (devices equipped with NFC chips) within a range of about 10cm. It is 106kbit/s, 212kbit/s, 424kbit/s, and can even be increased to 848kbit/s. NFC adopts two-way identification and connection. There is no fixed master-slave relationship between the communication parties, and communication can be initiated by any NFC device.

There are three working modes of NFC devices:

The first one, Card emulation: The NFC device in this mode is equivalent to an IC card using RFID technology, which can be used in shopping malls, bus cards, access control, ticketing and other occasions. In this working mode, the card is powered by the RF domain of the contactless card reader, and it can work even when the mobile terminal (such as a mobile phone) is turned off.

The second, peer-to-peer mode (P2P mode): The NFC device in this mode can be used for data exchange, the transmission distance is short, but the transmission speed is fast and the power consumption is low. In this mode, two NFC devices can be connected. Realize peer-to-peer data transmission such as exchanging pictures and synchronizing contacts.

The third type, reader mode (Reader/writer mode): The NFC device in this mode can be used as a contactless card reader. The typical application scenario is to read relevant information from electronic tags of posters or exhibition information.

The format of data transmitted between NFC devices is NDEF (NFC Data Exchange Format, NFC Data Exchange Format). NDEF is a lightweight and compact binary format that can carry URL (web page address) and other types of data. Between NFC devices The transferred data may be called NdefMessage (NDEF message). Each NdefMessage contains several NdefRecords (NDEF records), each NdefRecord contains a header (Header) and a payload (Payload), the data type and size in the record are indicated by the header, and the record content can include URL, MIME (Multipurpose Internet Mail Extensions) or NFC-defined data types, if using NFC-defined data types, the content of the payload must be defined in an NFC Record Type Definition (RTD) document.

In the embodiment of the present invention, the execution subject involved includes the paid terminal device and the paid terminal device, wherein the paid terminal device includes smart TV, PC, POS machine, etc., and the paid terminal device includes mobile phone, tablet computer, etc.

In a specific implementation process, the payee device and the payer device are independent of each other, and at the same time, they are connected with each other to jointly realize the technical solutions provided by the embodiments of the present invention. For ease of description, the embodiments of the present invention will be introduced below from two perspectives of the payee device and the payer device.

Referring to FIG. 1 , it shows a flow chart of Embodiment 1 of the NFC-based payment method of the present invention.

In this embodiment, it includes a payee device provided with an NFC chip and a payer device provided with an NFC chip. Both the payee device and the payer device are connected to the network, and the payee device is connected to a preset A background server, the payment terminal device is connected to a preset payment server.

On the payee device side, the method includes:

S101. Receive a request for purchasing a specified commodity object and generate an order according to the sales attribute of the commodity object selected by the user.

In this embodiment, the device to be paid can be a smart TV equipped with an NFC chip. There will be some items that need to be paid in the smart TV, such as shopping in the TV mall, payment of service fees, etc., and sales of commodity objects in the TV mall Attributes can include product name, product ID, model, price, quantity, seller information (such as seller's name, contact address, account number, etc.), buyer information (buyer's TV user account, name, address, etc.), payment The sales attribute of the service fee category may include service fee name, price, billing party information (smart TV manufacturer name, charging account, etc.), payer information (paying TV user account, name, address, etc.), and the above sales attributes are all stored in the background server of the smart TV.

Taking shopping in the TV mall as an example, for example, if the user sends a purchase request for a specified product object on a relevant page of the TV mall, the specific item may be to select the specified product object on the relevant page through the remote control of the smart TV, and trigger the page to pre-order. Set the location of the "Buy" button.

When the smart TV receives the purchase request, it generates an order according to the sales attributes of the above-mentioned commodities. The above-mentioned sales attributes may not be displayed on the order, and only some of the sales attributes may be displayed in the order, such as product name, ID, price, quantity, etc. In addition, the order may include an order identifier (such as an order number), a payment amount, a "submit" button, and the like.

S102, after receiving the operation of confirming the submission of the order, that is, after the user triggers the "submit" button in the order, extract the information in the order to generate a payment request, and the payment request is in NDEF format.

Wherein, the payment request information includes an order identifier (such as an order number), a payment amount, and account information of the payee (such as a seller's account number).

S103. Send a request for establishing a communication connection to the payment terminal device, so as to establish a near field communication connection between the two through their NFC chips. In this embodiment, the payment terminal device may be a mobile phone equipped with an NFC chip.

Specifically, the payer device can be brought close to the payee device (within 10cm), and when the payee finds the payer device and sends a request for establishing a communication connection to the payer device, the payer device will receive and display The connection request, when the payment terminal device confirms to accept the connection request, the near field communication connection established by the NFC chip can be realized between the paid terminal device and the payment terminal device.

Further, before sending a request for establishing a communication connection to the payment terminal device, it may also search whether there is a payment terminal device. Specifically, an electromagnetic field is emitted by the NFC chip in the paid terminal device, and then it is judged whether there are electromagnetic waves emitted by other NFC chips in the electromagnetic field, and if so, there is the paid terminal device.

S104. After the above-mentioned near-field communication connection is established, send the payment request to the payment terminal device, so that the payment terminal device can perform related payment operations according to the payment request, that is, according to the payment amount in the payment request, the payee account Information, etc., and pay the money to the payee.

S105. Receive the payment completion information returned by the payment terminal and perform follow-up operations on the corresponding order according to the payment completion information, wherein the payment completion information includes an order identifier.

When the payer completes the payment, it will generate payment completion information including the order ID and send the information to the payee, and the payee can perform follow-up operations on the order according to the order ID, such as combining the order with the order Related sales attribute information, payment completion information, etc. are sent to the seller, so that the seller can perform operations such as delivery according to the buyer's address in the sales attribute information.

Fig. 2 is a schematic diagram of the display interface of a smart TV in the first embodiment of the NFC-based payment method of the present invention. Below, the paid terminal device is a smart TV with an NFC chip, and the payment terminal device is a mobile phone with an NFC chip. Take the shopping in the TV mall as an example and further illustrate the above steps with reference to FIG. 2 .

When the user sees a toothbrush on a certain page of the TV mall and wants to buy it, the toothbrush is selected through the smart TV remote control (for example, the number of choices is two, etc.), and the "buy" button on the page is triggered .

The sales attributes of the toothbrush include: commodity name: toothbrush, commodity ID: 100001, price: 15 yuan, quantity: 2, seller name: A, seller address: B, seller account number: 100020003000, buyer name: C, buyer Address: D.

When the smart TV 21 receives the purchase request, it generates an order 22 (as shown in FIG. 2 ) according to the above-mentioned product attributes.

When the "submit" button 23 in the order is triggered, the information in the order is extracted to generate a payment request, which includes the order identifier (that is, the order number: 123456), the payment amount (30 yuan) and the payment request. The payer's account information (that is, the seller's account number: 100020003000).

The smart TV can first search whether there is a payment terminal device within a preset range (10cm), and when the payment terminal device is found, send a request for establishing a communication connection to the payment terminal device (mobile phone).

After the mobile phone accepts the request, a near-field communication connection between the smart TV and the mobile phone can be established.

Through the near-field communication connection, the smart TV sends the payment request to the mobile phone, so that the mobile phone pays the corresponding amount to the payee, generates payment completion information after the payment is completed, and sends the payment completion information to the smart TV.

The smart TV receives the payment completion information, and performs subsequent operations on the corresponding order according to the order identifier in the payment information.

Secondly, the embodiment of the present invention also provides an NFC-based payment method from the payment terminal device side, as shown in FIG. 3 , which is a schematic flowchart of Embodiment 2 of the NFC-based payment method.

In this embodiment, it includes a payee device provided with an NFC chip and a payer device provided with an NFC chip. Both the payee device and the payer device are connected to the network, and the payee device is connected to a preset A background server, the payment terminal device is connected to a preset payment server.

On the side of the payment terminal device, the method includes:

S201. Receive a request for establishing a communication connection sent by the payment terminal device, and establish a near field communication connection between the two through the NFC chips of the two.

Specifically, the payment terminal device will receive and display the request for establishing a communication connection sent by the paid terminal device. Near field communication connection established by NFC chip.

S202. Receive the payment request sent by the paid terminal device, for example, display the payment request on the paid terminal device, wherein the payment request information includes the order identifier, payment amount, payee account information and the "confirm payment" button , "Cancel Payment" button, etc.

S203. After receiving the operation of confirming the payment (such as when the above-mentioned "confirm payment" button is triggered), start the payment application preset in the payment terminal device and send the payment request to the payment server corresponding to the payment application.

The payment application can be used to store electronic money, and the electronic money includes electronic cash, electronic credit card, electronic bank card, electronic change, safe change, online currency, and the like.

The payment terminal device is connected to the payment server through the network, and the amount information in the payment application is always consistent with the amount information in the payment application recorded in the payment server, and the payment server can generate payment instructions according to the payment request sent by the payment application, so that the The payment application performs the deduction operation according to the amount in the payment request, etc.

S204. Receive a payment instruction generated by the payment server according to the payment request, and deduct money from the payment application according to the payment instruction.

S205. After the deduction is completed, the payment completion information including the order identification is generated, and the payment completion information is sent to the paid terminal device through the near field communication connection, so that the paid terminal device can follow up the corresponding order according to the payment completion information. operate.

Further, a secure element chip (that is, an SE chip) for ensuring payment security can also be provided in the payment terminal device, and an encryption logic circuit for encrypting data and corresponding encryption data can be provided in the SE chip. Decryption decryption logic circuit, the SE chip, for example, can be set in the SIM card of the mobile phone, in the motherboard of the mobile phone, etc., to further improve the security of the payment process.

Based on the setting of the SE chip, after receiving the payment instruction generated by the payment server according to the payment request in S204, the payment password input page of the payment application can also be displayed, and when the payment password is received, the payment password is encrypted by the SE chip and Send it to the payment server, so that after receiving the information confirming that the password is correct sent by the payment server, the payment will be deducted from the payment application according to the payment instruction. In this way, the security and prudence of the payment can be further enhanced through the input of the payment password, and the payment password input by the user can also be encrypted through the SE chip and then sent to the payment server so that the payment server can confirm whether the payment password is correct or not And send back confirmation information, which can ensure the security of the payment password during the transmission process, and prevent the payment password from being maliciously intercepted during the transmission process to cause the user's property loss and other situations.

In payment applications, users usually pre-store bank card information (such as account name, bank name, card number, etc.) in the payment application to facilitate each payment behavior (no need to re-enter each payment), based on this The setting of the chip can also encrypt the pre-stored bank card information in the payment application through the SE chip when deducting money from the payment application, so as to ensure the security of the bank card information during the deduction process and avoid bank card information when the payment occurs. The card information is maliciously intercepted to cause the user's property loss and other situations.

Figure 4 and Figure 5 are schematic diagrams (1) and (2) of the display interface of the mobile phone in the second embodiment of the NFC-based payment method of the present invention, and the paid terminal device is assumed to be a smart TV with an NFC chip and a payment terminal device below A mobile phone with an NFC chip and shopping in a TV mall of a smart TV are taken as examples and the above steps are further described in conjunction with FIG. 3 .

The mobile phone 41 receives the request for establishing a communication connection sent by the smart TV and displays it on the interface 42 of the mobile phone (as shown in Figure 4). This request can include "whether to receive the communication connection with the NFC device?" , "No", etc., when the mobile phone user triggers the "Yes" button, it means accepting the establishment of a communication connection with the smart TV.

After receiving the above-mentioned communication connection, the payment request sent from the smart TV (as shown in Figure 5 ) can be received through the communication connection and displayed on the interface 42 of the mobile phone. The account information of the payee (the name of the payee is also the name of the seller, and the account of the payee is also the account of the seller), the "confirm payment" button, the "cancel payment" button, etc.

After receiving the operation of confirming the payment, that is, when the above-mentioned "confirm payment" button is triggered, the pre-installed payment application in the mobile phone (such as the payment application called "mobile wallet") is started, and the above-mentioned payment request is sent Give the payment server corresponding to the mobile wallet.

The payment server generates a payment instruction according to the above request, and sends the payment instruction to the mobile wallet, and the mobile wallet receives the payment instruction and displays a payment password input page.

After the mobile wallet receives the correct payment password input by the user, the mobile wallet executes the deduction operation according to the received payment instruction.

The payment completion information is generated after the above deduction operation, and the payment completion information includes the order identifier, for example, the payment completion information is "order 123456 has been paid".

The mobile phone sends the payment completion information to the smart TV, so that the smart TV can perform follow-up operations according to the order corresponding to the payment completion information, such as sending the order No. 123456, sales attribute information related to the order, payment completion information, etc. to the seller, In order for the seller to carry out operations such as delivery according to the buyer's name and buyer's address in the sales attribute information.

In the embodiment of the NFC-based payment method provided by the present invention, the paid-end device and the payer-end device can establish a near-field communication connection between the two through their NFC chips, and use the preset payment application in the payer to complete the payment. The online payment at the payment end solves the problem that the existing online payment is not applicable to terminal devices such as smart TVs, and it is more convenient for smart TV users to pay online. This method has simple operation steps and can improve the efficiency of online payment for smart TV users. Near field communication has natural security, so the payment operation based on the near field communication between the paid terminal device and the payment terminal device has higher security. Moreover, since the password input page is set during the payment process, the payment process is also safer. In addition, an SE chip can be set in the payment terminal device, which can further improve the security of the payment process.

Corresponding to the above-mentioned embodiment of the NFC-based payment method of the present invention, an embodiment of the NFC-based payment system is also provided, which will be described in detail below with reference to the accompanying drawings.

FIG. 6 shows a schematic structural diagram of Embodiment 1 of the NFC-based payment system of the present invention.

In this embodiment, it includes a payee device provided with an NFC chip and a payer device provided with an NFC chip. Both the payee device and the payer device are connected to the network, and the payee device is connected to a preset A background server, the payment terminal device is connected to a preset payment server.

It is set on the side of the device to be paid, including:

The order generating unit 61 is configured to receive a request for purchasing a specified commodity object and generate an order according to the sales attribute of the commodity object selected by the user.

The payment request generation unit 62, after receiving the operation of confirming the submission of the order, extracts the information in the order to generate a payment request, wherein the payment request information includes the order identifier, payment amount and payee account information.

The connection request unit 63 is configured to send a request for establishing a communication connection to the payment terminal device, so as to establish a near field communication connection between the two through their NFC chips.

The payment request sending unit 64 is configured to send the payment request to the payment terminal device, so that the payment terminal performs a payment operation according to the payment request.

The information receiving unit 65 is configured to receive the payment completion information returned by the payment terminal and perform follow-up operations on the corresponding order according to the payment completion information, wherein the payment completion information includes the order identifier.

Further, on the side of the paid terminal device, it may also include:

The judging unit is used for judging whether there are electromagnetic waves sent by other NFC chips in the electromagnetic field after the electromagnetic field is emitted by the NFC chip in the paid terminal device, and if so, there is the paid terminal device.

In addition, referring to FIG. 7 , it is a schematic structural diagram of Embodiment 2 of the NFC-based payment system of the present invention.

The present invention also provides a payment system based on NFC, as shown in Figure 7, which is set on the side of the payment terminal device, including:

The receiving connection request unit 71 is configured to receive a request for establishing a communication connection sent by the payment terminal device, and establish a near field communication connection between the two through the NFC chips of the two.

The receiving payment request unit 72 is configured to receive the payment request sent by the payment terminal device, wherein the payment request information includes the order identifier, the payment amount and the account information of the payee.

The starting unit 73 is configured to start the payment application preset in the payment terminal device and send the payment request to the payment server corresponding to the payment application after receiving the payment confirmation operation.

The receiving instruction unit 74 is configured to receive a payment instruction generated by the payment server according to the payment request, and deduct money from the payment application according to the payment instruction.

The information generation unit 75 is configured to generate payment completion information and send the payment completion information to the paid end through the near field communication connection, so that the paid end can perform follow-up operations on the corresponding order according to the payment completion information, wherein the payment completion information includes the order logo.

Further, a secure element chip (that is, an SE chip) for ensuring payment security can also be provided in the payment terminal device, and an encryption logic circuit for encrypting data and corresponding encryption data can be provided in the SE chip. Decryption decryption logic circuit, the SE chip is set in the SIM card of the mobile phone, the main board of the PAD, etc., to further improve the security of the payment process.

Based on the setting of the SE chip, the system may also include:

The display unit is used to display the payment password input page of the payment application.

The encryption unit is used to encrypt the payment password through the secure element chip and send it to the payment server after receiving the payment password on the payment password input page, so that after receiving the information confirming that the password is correct sent by the payment server, according to the payment instruction from the debit in the payment app mentioned above.

Further, the encryption unit is also used for: encrypting the pre-stored bank card information in the payment application through the secure element chip, so as to ensure the security of the bank card information during the deduction process.

In the embodiment of the NFC-based payment system provided by the present invention, the payee device and the payer device can establish a near-field communication connection between the two through their NFC chips, and complete the payment process through the payment application preset in the payer. The online payment at the payment end solves the problem that the existing online payment is not applicable to smart TV and other terminal devices, and it is more convenient for smart TV users to pay online. The operation steps are simple, and the efficiency of online payment for smart TV users can be improved. Communication has natural security, so the payment operation based on the near-field communication between the paid terminal device and the paid terminal device is more secure. Moreover, since the password input page is set during the payment process, the payment process is also safer. In addition, an SE chip can be set in the payment terminal device, which can further improve the security of the payment process.

Each embodiment in this specification is described in a progressive manner, each embodiment focuses on the difference from other embodiments, and the same and similar parts of each embodiment can be referred to each other. As for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for the related parts, please refer to the part of the description of the method embodiment.

The NFC-based payment method and system provided by the present invention have been described above in detail. In this paper, specific examples are used to illustrate the principle and implementation of the present invention. The description of the above embodiments is only used to help understand the present invention. method and its core idea; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation and scope of application. In summary, the content of this specification should not be understood as Limitations on the Invention.

Claims (12)

1. the method for payment based on NFC, is characterized in that, comprise be provided with NFC chip by payment terminals equipment and be provided with the payment terminals equipment of NFC chip, be describedly all connected in network by payment terminals equipment and payment terminals equipment,

Described, by payment terminals equipment side, described method comprises:

Receive the sale attribute generation order of buying the commodity object of specifying the request of commodity object and select according to user;

When receiving the confirmation after the operation of submitting order to, the information of extracting in this order is asked to generate to pay;

Send the request establishing a communications link to described payment terminals equipment, connect with the near-field communication of setting up between the two by both NFC chips;

Described payment request is sent to described payment terminals equipment, so that described payment terminals is carried out delivery operation according to described payment request;

Receive payment that described payment terminals equipment returns and complete information and complete information according to described payment corresponding order is carried out to subsequent operation, wherein, described payment completes information and comprises order mark.

2. the method for payment based on NFC as claimed in claim 1, is characterized in that, before sending to described payment terminals equipment the request establishing a communications link, also comprises:

When being sent after electromagnetic field by the NFC chip in payment terminals equipment by described, judge in described electromagnetic field whether have the electromagnetic wave sending by other NFC chips, in this way, there is payment terminals equipment.

3. the method for payment based on NFC as claimed in claim 1, is characterized in that, is describedly comprised intelligent television, PC, POS machine by payment terminals equipment, and described payment terminals equipment comprises mobile phone, panel computer.

4. the method for payment based on NFC, is characterized in that, comprise be provided with NFC chip by payment terminals equipment and be provided with the payment terminals equipment of NFC chip, be describedly all connected in network by payment terminals equipment and payment terminals equipment,

At described payment terminals equipment side, described method comprises:

Receive the described request establishing a communications link of being sent by payment terminals equipment, and the near-field communication of setting up between the two by both NFC chips connects;

Receiving described payment of being sent by payment terminals equipment asks;

When receiving the confirmation after the operation of payment, start payment application preset in described payment terminals equipment and send to described payment to apply corresponding paying server described payment request;

Receive the payment instruction that described paying server generates according to described payment request, and withhold from described payment application according to described payment instruction;

Generate to have paid information and described payment is completed to information exchange and cross the connection of described near-field communication and send to described by payment terminals equipment, completed information by payment terminals equipment according to described payment so that described corresponding order is carried out to subsequent operation, wherein, described payment completes information and comprises order mark.

5. the method for payment based on NFC as claimed in claim 4, is characterized in that, in described payment terminals equipment, is also provided with secure element chip, in described secure element chip, be provided with for the encryption logic circuit to data encryption,

After the payment instruction generating according to described payment request at the described paying server of reception, also comprise:

Show the payment cipher input page that pays application;

By secure element chip, described payment cipher is encrypted and sends to paying server when receiving after payment cipher, receive after the correct information of confirmation password that paying server sends with box lunch, withhold from described payment application according to described payment instruction.

6. the method for payment based on NFC as claimed in claim 5, is characterized in that, described while withholing from described payment application according to described payment instruction, also comprises:

Be encrypted paying the bank card information prestoring in application by described secure element chip, to ensure the safety of described bank card information in the process of withholing.

7. the payment system based on NFC, is characterized in that, comprise be provided with NFC chip by payment terminals equipment and be provided with the payment terminals equipment of NFC chip, be describedly all connected in network by payment terminals equipment and payment terminals equipment,

, being comprised by payment terminals equipment side described:

Order generation unit, the sale attribute of buying the commodity object of specifying the request of commodity object and select according to user for receiving generates order;

Pay request generation unit, when receiving the confirmation after the operation of submitting order to, the information of extracting in this order pays request with generation;

Connection request unit, for send the request establishing a communications link to described payment terminals equipment, connects with the near-field communication of setting up between the two by both NFC chips;

Pay request transmitting unit, for described payment request is sent to described payment terminals equipment, so that described payment terminals is carried out delivery operation according to described payment request;

Information receiving unit, completes information and completes information according to described payment corresponding order is carried out to subsequent operation for receiving payment that described payment terminals returns, and wherein, described payment completes information and comprises order mark.

8. the payment system based on NFC as claimed in claim 7, is characterized in that,, is also comprised by payment terminals equipment side described:

Judging unit, for when sending after electromagnetic field by the described NFC chip by payment terminals equipment, judges in described electromagnetic field whether have the electromagnetic wave sending by other NFC chips, in this way, has payment terminals equipment.

9. the payment system based on NFC as claimed in claim 7, is characterized in that, is describedly comprised intelligent television, PC, POS machine by payment terminals equipment, and described payment terminals equipment comprises mobile phone, panel computer.

10. the payment system based on NFC, is characterized in that, comprise be provided with NFC chip by payment terminals equipment and be provided with the payment terminals equipment of NFC chip, be describedly all connected in network by payment terminals equipment and payment terminals equipment,

At described payment terminals equipment side, comprising:

Receive connection request unit, for receiving the described request establishing a communications link of being sent by payment terminals equipment, and the near-field communication of setting up between the two by both NFC chips connects;

Receive and pay request unit, ask for receiving described payment of being sent by payment terminals equipment;

Start unit, for when receiving the confirmation after the operation of payment, starts payment application preset in described payment terminals equipment and sends to described payment to apply corresponding paying server described payment request;

Receive command unit, the payment instruction generating according to described payment request for receiving described paying server, and withhold from described payment application according to described payment instruction;

Information generating unit, be used for generating the information of payment and by described payment complete information exchange cross described near-field communication connect send to described by payment terminals, completed information by payment terminals according to described payment so that described corresponding order is carried out to subsequent operation, wherein, described payment completes information and comprises order mark.

11. payment systems based on NFC as claimed in claim 10, is characterized in that, in described payment terminals equipment, are also provided with secure element chip, in described secure element chip, be provided with for the encryption logic circuit to data encryption,

Described system, also comprises:

Display unit, for showing the payment cipher input page that pays application;

Ciphering unit, for described payment cipher is encrypted and sends to paying server by secure element chip after payment cipher input page receives payment cipher, receive after the correct information of confirmation password that paying server sends with box lunch, withhold from described payment application according to described payment instruction.

12. payment systems based on NFC as claimed in claim 11, is characterized in that, described ciphering unit, also for:

Be encrypted paying the bank card information prestoring in application by described secure element chip, to ensure the safety of described bank card information in the process of withholing.