[go: up one dir, main page]

CN103679439A - Payment method based on mobile communication equipment, mobile communication equipment and smart card - Google Patents

Payment method based on mobile communication equipment, mobile communication equipment and smart card Download PDF

Info

Publication number
CN103679439A
CN103679439A CN201210320080.XA CN201210320080A CN103679439A CN 103679439 A CN103679439 A CN 103679439A CN 201210320080 A CN201210320080 A CN 201210320080A CN 103679439 A CN103679439 A CN 103679439A
Authority
CN
China
Prior art keywords
account information
smart card
default
account
mobile communication
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201210320080.XA
Other languages
Chinese (zh)
Inventor
谭颖
徐燕军
徐志忠
李伟
李洁
孙曦
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
Original Assignee
China Unionpay Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to CN201210320080.XA priority Critical patent/CN103679439A/en
Priority to PCT/CN2013/082842 priority patent/WO2014032628A1/en
Priority to TW102131740A priority patent/TW201411514A/en
Publication of CN103679439A publication Critical patent/CN103679439A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a payment method based on mobile communication equipment, the mobile communication equipment and a smart card. The smart card is arranged in the mobile communication equipment and stores account information, and the account information comprises one or multiple account IDs and application IDs corresponding to one or every one of the multiple account IDs. According to the account information, default account information is set in the smart card. The default account information corresponds to one account ID, and payment is conducted based on the default account information.

Description

一种基于移动通信设备的支付方法、移动通信设备和智能卡A payment method based on mobile communication equipment, mobile communication equipment and smart card

技术领域 technical field

本发明涉及移动支付技术，并且尤其涉及基于移动通信设备的支付方法和装置。 The present invention relates to mobile payment technology, and in particular to a payment method and device based on mobile communication equipment.

背景技术 Background technique

在移动支付过程中，智能卡可以通过接触界面和非接界面与手机连接，由此为手机中的支付应用客户端提供接触界面的访问通道，为非接POS提供非接界面的访问通道。通常，智能卡上设置有多个不同应用提供方提供的不同类型应用，此时需要对智能卡上存储的多个账户进行选择，确定账户后，才能完成近场支付或远程支付。 In the process of mobile payment, the smart card can be connected to the mobile phone through the contact interface and the contactless interface, thereby providing the access channel of the contact interface for the payment application client in the mobile phone, and providing the access channel of the contactless interface for the contactless POS. Usually, multiple different types of applications provided by different application providers are set on the smart card. At this time, multiple accounts stored on the smart card need to be selected, and the near-field payment or remote payment can only be completed after the account is determined.

然而，在现有技术中，由于在一张智能卡上存在多个不同的账户，当有来自外部应用的请求时，由于相同的应用可以对应多个账户，因此，用户每次在进行支付时往往需要从多个账户中进行选择，由此造成支付的不便，甚至可能导致支付交易的中断或失败。 However, in the prior art, since there are multiple different accounts on a smart card, when there is a request from an external application, since the same application can correspond to multiple accounts, the user often pays each time It is necessary to select from multiple accounts, thereby causing inconvenience in payment, and may even lead to interruption or failure of payment transactions.

因此，需要一种能够灵活进行多账户选择的支付方法，以及能够进行多账户选择的移动通信设备和智能卡，使得能够预先设置用于进行支付的默认账户。 Therefore, there is a need for a payment method capable of flexibly selecting multiple accounts, as well as a mobile communication device and a smart card capable of selecting multiple accounts so that a default account for payment can be preset.

发明内容 Contents of the invention

根据本发明的一个目的，公开一种基于移动通信设备的支付方法，所述移动通信设备中设置有智能卡，所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID，该方法包括以下步骤：根据所述账户信息在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID，基于所述默认账户信息进行支付。 According to an object of the present invention, a payment method based on a mobile communication device is disclosed, the mobile communication device is provided with a smart card, and the smart card stores account information, and the account information includes one or more account IDs and the one or an application ID corresponding to each of a plurality of account IDs, the method includes the following steps: setting default account information in the smart card according to the account information, the default account information corresponds to an account ID, based on the default Account information for payment.

根据本发明的另一个目的，公开一种移动通信设备，所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID，所述移动通信设备被配置成能够根据所述账户信息在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID，所述移动通信设备被配置成能够基于所述默认账户信息进行支付。 According to another object of the present invention, a mobile communication device is disclosed, the smart card stores account information, and the account information includes one or more account IDs and an application corresponding to each of the one or more account IDs ID, the mobile communication device is configured to be able to set default account information in the smart card according to the account information, the default account information corresponds to an account ID, and the mobile communication device is configured to be able to set default account information based on the default account information for payment.

根据本发明的一个目的，公开一种智能卡，所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID，所述智能卡被配置成能够：响应于移动通信设备，根据所述账户信息，在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID，响应于移动通信设备，基于所述默认账户信息进行支付。 According to an object of the present invention, a smart card is disclosed, the smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs, so The smart card is configured to: respond to the mobile communication device, set default account information in the smart card according to the account information, the default account information corresponds to an account ID, respond to the mobile communication device, based on the default account information for payment.

本发明的一个优势在于，本发明兼容符合PBOC规范或EMV规范的外部应用访问卡片进行应用选择方法，并且进一步提高了支付效率。 An advantage of the present invention is that the present invention is compatible with the method for selecting an application by an external application access card conforming to the PBOC specification or the EMV specification, and further improves payment efficiency.

本发明的另一个优势在于，该方法支持用户通过选择一个账户作为默认支付账户，用户看到的是账户号码列表，体验较好，方便用户操作和使用。 Another advantage of the present invention is that the method supports the user to select an account as the default payment account, and what the user sees is a list of account numbers, which has a better experience and is convenient for the user to operate and use.

附图说明 Description of drawings

在参照附图阅读了本发明的具体实施方式以后，本领域技术人员将会更清楚地了解本发明的各个方面。本领域技术人员应当理解的是，这些附图仅仅用于配合具体实施方式说明本发明的技术方案，而并非意在对本发明的保护范围构成限制。其中， Those skilled in the art will understand various aspects of the present invention more clearly after reading the detailed description of the present invention with reference to the accompanying drawings. It should be understood by those skilled in the art that these drawings are only used to describe the technical solution of the present invention in conjunction with the specific implementation, and are not intended to limit the protection scope of the present invention. in,

图1是根据本发明的一个实施例的移动通信设备的配置示意图。 Fig. 1 is a schematic configuration diagram of a mobile communication device according to an embodiment of the present invention.

图2是根据本发明的一个实施例的基于移动通信设备的支付方法步骤示意图。 Fig. 2 is a schematic diagram of steps of a payment method based on a mobile communication device according to an embodiment of the present invention.

图3是根据本发明的另一个实施例的基于移动通信设备的支付方法步骤意图。 Fig. 3 is a diagram of steps of a payment method based on a mobile communication device according to another embodiment of the present invention.

具体实施方式 Detailed ways

下面参照附图，对本发明的具体实施方式作进一步的详细描述。在下面的描述中，为了解释的目的，陈述许多具体细节以便提供对实施例的一个或多个方面的透彻理解。然而，对于本领域技术人员可以显而易见的是，可以这些具体细节的较少程度来实践各实施例的一个或多个方面。因此下面的描述不被视为局限性的，而是通过所附权利要求来限定保护范围。 The specific implementation manners of the present invention will be described in further detail below with reference to the accompanying drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects of the embodiments. It may be apparent, however, to one skilled in the art that one or more aspects of the various embodiments may be practiced with a lesser degree of these specific details. The following description is therefore not to be seen as limiting, but rather the scope of protection is defined by the appended claims.

下面的描述借助于图解显示了可实践各方面的各种组合和构造。应当理解的是，所描述的各方面和/或实施例仅仅是实例，并且可采用其他方面和/或实施例，且在不背离本公开的范围的情况下可做出结构的和功能的修改。另外，尽管可以仅关于若干实施方式中的一个公开了实施例的特定特征或方面，但可针对任何给定的或特定的应用所期望和有利的那样，这种特征或方面可与其他实施方式的一种或多个其他特征或方面相组合。 The following description shows by way of illustrations various combinations and configurations of practical aspects. It is to be understood that the described aspects and/or embodiments are merely examples and that other aspects and/or embodiments may be utilized and structural and functional modifications may be made without departing from the scope of the present disclosure. . Additionally, although a particular feature or aspect of an embodiment may be disclosed with respect to only one of several implementations, such feature or aspect may be combined with other implementations as may be desired and advantageous for any given or particular application. A combination of one or more other features or aspects.

现参考图1和图2。图1是根据本发明的一个实施例的移动通信设备的配置示意图。移动通信设备中设置有智能卡，智能卡存储账户信息，账户信息包括一个或多个账户ID和一个或多个账户ID中的每一个所对应的应用ID，如图1中从账户信息发出的箭头所指示的。这里，账户ID可以是银行卡号码，应用ID可以是与银行卡号码对应的应用，例如借记应用、电子现金应用、贷记应用，如图1下方的列表所示，该列表示例了在1张智能卡中设置的3个账户ID，其中一个账户ID对应两项应用ID，其中账户6226090210117763和账户6226090211837654对应于相同的应用，即借记。在该示例中，应用ID是PBOC金融行业规范中定义的应用ID，AID（应用标识符，Application Identifier）的三个取值。然而，本领域技术人员可以理解的是，账户信息被表示为其它形式的取值。本领域技术人员还理解的是，除了银行卡号码以外，对应的发卡行名称、卡样或者银行需要显示给用户的其它信息也可以构成账户ID或者账户ID的一部分。发卡行名称、卡样或者银行需要显示给用户的其它信息也可以构成账户信息的一部分。 Reference is now made to FIGS. 1 and 2 . Fig. 1 is a schematic configuration diagram of a mobile communication device according to an embodiment of the present invention. The mobile communication device is provided with a smart card, and the smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs, as indicated by the arrows issued from the account information in Figure 1 Instructed. Here, the account ID can be a bank card number, and the application ID can be an application corresponding to the bank card number, such as a debit application, an electronic cash application, and a credit application, as shown in the list at the bottom of Figure 1. The three account IDs set in a smart card, one of the account IDs corresponds to two application IDs, among which account 6226090210117763 and account 6226090211837654 correspond to the same application, that is, debit. In this example, the application ID is the application ID defined in the PBOC financial industry specification, and three values of AID (Application Identifier). However, those skilled in the art can understand that the account information is expressed as values in other forms. Those skilled in the art also understand that, in addition to the bank card number, the corresponding card issuing bank name, card sample or other information that the bank needs to display to the user may also constitute the account ID or a part of the account ID. The name of the issuing bank, the card sample, or other information that the bank needs to display to the user may also form part of the account information.

智能卡和移动通信设备能够通过设置在各自中的应用程序进行互相之间的信息的交互，例如设置在移动通信设备中的支付应用和设置在智能卡中的账户信息管理应用。 The smart card and the mobile communication device can exchange information with each other through the respective application programs, such as the payment application set in the mobile communication device and the account information management application set in the smart card.

图2是根据本发明的一个实施例的基于移动通信设备的支付方法步骤示意图。如图所示，该方法包括两个步骤，在步骤100中，根据账户信息在智能卡中设置默认账户信息；在步骤200中，基于默认账户信息进行支付。例如，可以基于默认账户信息进行近场支付或者远程支付。参照图1中从默认账户信息发出的箭头所指示的默认账户信息示例，这里，默认账户信息对应一个账户ID（y），而该账户ID仅对应一个应用ID（a）。 Fig. 2 is a schematic diagram of steps of a payment method based on a mobile communication device according to an embodiment of the present invention. As shown in the figure, the method includes two steps. In step 100, default account information is set in the smart card according to the account information; in step 200, payment is made based on the default account information. For example, near-field payment or remote payment can be performed based on default account information. Referring to the example of default account information indicated by the arrow from the default account information in FIG. 1 , here, the default account information corresponds to one account ID (y), and the account ID only corresponds to one application ID (a).

在另一个实施例中，可以在智能卡设置账户列表文件和默认账户文件，其中账户列表文件用于记录账户信息，默认账户文件用于记录默认账户信息，此时，如图1所示，设置默认账户的步骤可以包括， In another embodiment, an account list file and a default account file can be set on the smart card, wherein the account list file is used to record account information, and the default account file is used to record default account information. At this time, as shown in Figure 1, set the default Account steps can include,

步骤110：从账户列表文件选择账户信息作为默认账户信息， Step 110: Select account information from the account list file as the default account information,

步骤120：在默认账户文件中记录被选择的默认账户信息。 Step 120: Record the selected default account information in the default account file.

在一个示例中，按照图1下方的列表所示的账户信息，账户列表文件可以记录4条账户信息，而默认账户文件用于记录其中的一条被选择的账户信息作为默认账户信息。需要说明的是，账户列表文件可以在智能卡安装新应用的时候被更新，此时账户列表文件增加新的记录，记录账户ID和应用ID。本领域技术人员还理解的是，可以可替代地在智能卡中设置应用程序，例如账户列表应用用于记录账户信息，默认账户应用用于记录默认账户信息。 In an example, according to the account information shown in the list at the bottom of FIG. 1 , the account list file can record four pieces of account information, and the default account file is used to record one of the selected account information as the default account information. It should be noted that the account list file can be updated when a new application is installed on the smart card. At this time, a new record is added to the account list file to record the account ID and application ID. Those skilled in the art also understand that application programs can alternatively be set in the smart card, for example, the account list application is used to record account information, and the default account application is used to record default account information.

现参考图3，是根据本发明的多个实施例的基于移动通信设备的支付方法步骤意图。在步骤300中，当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与默认账户信息一致，从而让默认账户信息被用于进行支付。如图1所示，假如外部应用从具有4条账户信息记录的账户信息中选择应用a，那么用户将可能被迫进行账户x和账户y的选择操作。本发明通过将外部应用进行应用选择的对象限定在一条默认账户信息，账户y将被用于进行支付。 Referring now to FIG. 3 , it is a schematic diagram of steps of a payment method based on a mobile communication device according to multiple embodiments of the present invention. In step 300, when the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used for payment. As shown in Figure 1, if an external application selects application a from account information with 4 account information records, the user may be forced to select account x and account y. In the present invention, the object selected by the external application is limited to a piece of default account information, and the account y will be used for payment.

现继续参考图3，对于PBOC规范的情形，外部应用可以采用PPSE方式或者AID方式进行应用选择。 Now continue to refer to FIG. 3 , for the case of the PBOC specification, the external application can use the PPSE method or the AID method to select the application.

对于PPSE方式的情形，在一个实施例中，在步骤400中，使得智能卡中的PPSE文件（近距离支付系统环境，Proximity Payment Systems Environment）中的账户信息与默认账户信息一致，使得PPSE文件仅仅包含一条账户信息，即默认账户ID和默认账户的AID，在步骤500中，当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。在一个实例中，账户文件中的账户信息还可以包括应用标签、应用优先级指示器等符合PBOC规范规定的PPSE文件需要的信息。 For the situation of the PPSE mode, in one embodiment, in step 400, the account information in the PPSE file (Proximity Payment Systems Environment) in the smart card is consistent with the default account information, so that the PPSE file only contains A piece of account information, that is, the default account ID and the AID of the default account. In step 500, when the external application selects the application using the PPSE method, the external application reads the default account information from the PPSE file to complete the payment. In an example, the account information in the account file may also include application tags, application priority indicators, and other information that meets the requirements of the PPSE file specified in the PBOC specification.

对于AID方式的情形，在一个实施例中，在步骤600中，当外部应用采用AID方式进行应用选择时，判断智能卡从外部应用接收到的AID是否对应于默认账户信息的账户ID，如果判断结果为真，则在步骤700中，默认账户信息被用于进行支付。 For the situation of the AID method, in one embodiment, in step 600, when the external application uses the AID method to select the application, it is judged whether the AID received by the smart card from the external application corresponds to the account ID of the default account information, if the judgment result If it is true, then in step 700, the default account information is used for payment.

本发明的一个实施例描述一种移动通信设备，移动通信设备中设置有智能卡，智能卡存储账户信息，账户信息包括一个或多个账户ID和一个或多个账户ID中的每一个所对应的应用ID，移动通信设备被配置成能够根据账户信息在智能卡中设置默认账户信息，默认账户信息对应一个账户ID，移动通信设备被配置成能够基于默认账户信息进行支付。 An embodiment of the present invention describes a mobile communication device. A smart card is set in the mobile communication device. The smart card stores account information, and the account information includes one or more account IDs and the application corresponding to each of the one or more account IDs. ID, the mobile communication device is configured to set default account information in the smart card according to the account information, the default account information corresponds to an account ID, and the mobile communication device is configured to perform payment based on the default account information.

在另一实施例中，智能卡设置有账户列表文件和默认账户文件，其中账户列表文件用于记录账户信息，默认账户文件用于记录默认账户信息，移动通信设备被配置成能够：从账户列表文件选择账户信息作为默认账户信息，在默认账户文件中记录被选择的默认账户信息。 In another embodiment, the smart card is provided with an account list file and a default account file, wherein the account list file is used to record account information, and the default account file is used to record default account information, and the mobile communication device is configured to: from the account list file The account information is selected as the default account information, and the selected default account information is recorded in the default account file.

在另一实施例中，移动通信设备被配置成：当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与默认账户信息一致，从而让默认账户信息被用于进行支付。 In another embodiment, the mobile communication device is configured to: when the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used to perform pay.

在另一实施例中，移动通信设备被配置成，使得智能卡中的PPSE文件中的账户信息与默认账户信息一致，移动通信设备被配置成，当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。 In another embodiment, the mobile communication device is configured to make the account information in the PPSE file in the smart card consistent with the default account information, and the mobile communication device is configured to make the external application select the application using the PPSE method. The application reads the default account information from the PPSE file to complete the payment.

在另一实施例中，移动通信设备被配置成，当外部应用采用AID方式进行应用选择时，判断智能卡从外部应用接收到的AID是否对应于默认账户信息的账户ID，如果是，则默认账户信息被用于进行支付。 In another embodiment, the mobile communication device is configured to determine whether the AID received by the smart card from the external application corresponds to the account ID of the default account information when the external application uses the AID method to select the application, and if so, the default account Information is used to make payments.

在另一实施例中，移动通信设备被配置成能够基于默认账户信息进行近场支付或者远程支付。 In another embodiment, the mobile communication device is configured to perform near-field payment or remote payment based on default account information.

本发明的一个实施例描述一种智能卡，智能卡存储账户信息，账户信息包括一个或多个账户ID和一个或多个账户ID中的每一个所对应的应用ID，智能卡被配置成能够：响应于移动通信设备，根据账户信息，在智能卡中设置默认账户信息，默认账户信息对应一个账户ID，响应于移动通信设备，基于默认账户信息进行支付。 An embodiment of the present invention describes a smart card. The smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs. The smart card is configured to: respond to The mobile communication device sets default account information in the smart card according to the account information, the default account information corresponds to an account ID, and responds to the mobile communication device to perform payment based on the default account information.

在另一实施例中，智能卡设置有账户列表文件和默认账户文件，其中账户列表文件用于记录账户信息，默认账户文件用于记录默认账户信息，智能卡被配置成能够：响应于移动通信设备，从账户列表文件选择账户信息作为默认账户信息，响应于移动通信设备，在默认账户文件中记录被选择的默认账户信息。 In another embodiment, the smart card is provided with an account list file and a default account file, wherein the account list file is used to record account information, and the default account file is used to record default account information, and the smart card is configured to: respond to the mobile communication device, Account information is selected from the account list file as default account information, and the selected default account information is recorded in the default account file in response to the mobile communication device.

在另一实施例中，智能卡被配置成能够：当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与默认账户信息一致，从而让默认账户信息被用于进行支付。 In another embodiment, the smart card is configured to: when the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used for payment .

在另一实施例中，智能卡被配置成能够：使得智能卡中的PPSE文件中的账户信息与默认账户信息一致，当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。 In another embodiment, the smart card is configured to: make the account information in the PPSE file in the smart card consistent with the default account information, and when the external application uses the PPSE method to select the application, the external application reads the default account from the PPSE file information to complete the payment.

在另一实施例中，智能卡被配置成能够：当外部应用采用AID方式进行应用选择时，判断从外部应用接收到的AID是否对应于默认账户信息的账户ID，如果是，则默认账户信息被用于进行支付。 In another embodiment, the smart card is configured to: when the external application uses the AID method to select the application, it is judged whether the AID received from the external application corresponds to the account ID of the default account information, and if so, the default account information is deleted. Used to make payments.

在另一实施例中，智能卡被配置成能够基于默认账户信息进行近场支付或者远程支付。 In another embodiment, the smart card is configured to enable near-field payment or remote payment based on default account information.

通过以上实施方式的描述，本领域中的普通技术人员能够理解，在不偏离本发明的精神和范围的情况下，还可以对本发明的具体实施方式作各种变更和替换。这些变更和替换都落在本发明权利要求书所限定的范围内。 Through the description of the above embodiments, those skilled in the art can understand that various modifications and substitutions can be made to the specific embodiments of the present invention without departing from the spirit and scope of the present invention. These changes and substitutions all fall within the scope defined by the claims of the present invention.

Claims (18)

1. 一种基于移动通信设备的支付方法，其特征在于， 1. A payment method based on mobile communication equipment, characterized in that, 所述移动通信设备中设置有智能卡， The mobile communication device is provided with a smart card, 所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID， The smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs, 该方法包括以下步骤： The method includes the following steps: 根据所述账户信息在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID， Setting default account information in the smart card according to the account information, the default account information corresponds to an account ID, 基于所述默认账户信息进行支付。 Payment is made based on the default account information. 2. 如权利要求1所述的支付方法，其特征在于， 2. The payment method according to claim 1, wherein: 所述智能卡设置有账户列表文件和默认账户文件，其中所述账户列表文件用于记录账户信息，所述默认账户文件用于记录默认账户信息， The smart card is provided with an account list file and a default account file, wherein the account list file is used to record account information, and the default account file is used to record default account information, 其中，设置默认账户的步骤包括： Among them, the steps for setting a default account include: 从账户列表文件选择账户信息作为默认账户信息， Select the account information from the account list file as the default account information, 在所述默认账户文件中记录所述被选择的默认账户信息。 Recording the selected default account information in the default account file. 3. 如权利要求1所述的支付方法，其特征在于， 3. The payment method according to claim 1, wherein: 当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与所述默认账户信息一致，从而让默认账户信息被用于进行支付。 When the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used for payment. 4. 如权利要求3所述的支付方法，其特征在于， 4. The payment method according to claim 3, wherein: 在设置默认账户的步骤中： In the steps of setting the default account: 使得智能卡中的PPSE文件中的账户信息与默认账户信息一致， Make the account information in the PPSE file in the smart card consistent with the default account information, 在进行支付的步骤中： In the steps of making payment: 当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。 When the external application uses the PPSE method to select the application, the external application is made to read the default account information from the PPSE file to complete the payment. 5. 如权利要求3所述的支付方法，其特征在于， 5. The payment method according to claim 3, wherein: 在进行支付的步骤中： In the steps of making payment: 当外部应用采用AID方式进行应用选择时，判断所述智能卡从所述外部应用接收到的AID是否对应于默认账户信息的账户ID，如果是，则默认账户信息被用于进行支付。 When the external application uses the AID method to select the application, it is judged whether the AID received by the smart card from the external application corresponds to the account ID of the default account information, and if so, the default account information is used for payment. 6. 如权利要求1所述的支付方法，其特征在于， 6. The payment method according to claim 1, wherein: 基于所述默认账户信息进行近场支付或者远程支付。 Perform near-field payment or remote payment based on the default account information. 7. 一种移动通信设备，其特征在于， 7. A mobile communication device, characterized in that, 所述移动通信设备中设置有智能卡， The mobile communication device is provided with a smart card, 所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID， The smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs, 所述移动通信设备被配置成能够根据所述账户信息在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID， The mobile communication device is configured to be able to set default account information in the smart card according to the account information, the default account information corresponds to an account ID, 所述移动通信设备被配置成能够基于所述默认账户信息进行支付。 The mobile communication device is configured to enable payment based on the default account information. 8. 如权利要求7所述的移动通信设备，其特征在于， 8. The mobile communication device of claim 7, wherein 所述智能卡设置有账户列表文件和默认账户文件，其中所述账户列表文件用于记录账户信息，所述默认账户文件用于记录默认账户信息， The smart card is provided with an account list file and a default account file, wherein the account list file is used to record account information, and the default account file is used to record default account information, 所述移动通信设备被配置成能够： The mobile communication device is configured to: 从账户列表文件选择账户信息作为默认账户信息， Select the account information from the account list file as the default account information, 在所述默认账户文件中记录所述被选择的默认账户信息。 Recording the selected default account information in the default account file. 9. 如权利要求7所述的移动通信设备，其特征在于， 9. mobile communication equipment as claimed in claim 7, is characterized in that, 所述移动通信设备被配置成： The mobile communication device is configured to: 当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与所述默认账户信息一致，从而让默认账户信息被用于进行支付。 When the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used for payment. 10. 如权利要求9所述的移动通信设备，其特征在于， 10. The mobile communication device of claim 9, wherein 所述移动通信设备被配置成，使得智能卡中的PPSE文件中的账户信息与默认账户信息一致， The mobile communication device is configured such that the account information in the PPSE file in the smart card is consistent with the default account information, 所述移动通信设备被配置成，当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。 The mobile communication device is configured to make the external application read the default account information from the PPSE file to complete the payment when the external application uses the PPSE method to select the application. 11. 如权利要求9所述的移动通信设备，其特征在于， 11. The mobile communication device of claim 9, wherein 所述移动通信设备被配置成，当外部应用采用AID方式进行应用选择时，判断所述智能卡从所述外部应用接收到的AID是否对应于默认账户信息的账户ID，如果是，则默认账户信息被用于进行支付。 The mobile communication device is configured to determine whether the AID received by the smart card from the external application corresponds to the account ID of the default account information when the external application uses the AID method for application selection, and if so, the default account information is used to make payments. 12. 如权利要求7所述的移动通信设备，其特征在于， 12. The mobile communication device of claim 7, wherein 所述移动通信设备被配置成能够基于所述默认账户信息进行近场支付或者远程支付。 The mobile communication device is configured to perform near-field payment or remote payment based on the default account information. 13. 一种智能卡，其特征在于， 13. A smart card, characterized in that, 所述智能卡存储账户信息，所述账户信息包括一个或多个账户ID和所述一个或多个账户ID中的每一个所对应的应用ID， The smart card stores account information, and the account information includes one or more account IDs and an application ID corresponding to each of the one or more account IDs, 所述智能卡被配置成能够： The smart card is configured to: 响应于移动通信设备，根据所述账户信息，在所述智能卡中设置默认账户信息，所述默认账户信息对应一个账户ID， Responding to the mobile communication device, according to the account information, setting default account information in the smart card, the default account information corresponding to an account ID, 响应于移动通信设备，基于所述默认账户信息进行支付。 In response to the mobile communication device, payment is made based on the default account information. 14. 如权利要求13所述的智能卡，其特征在于， 14. The smart card of claim 13, wherein: 所述智能卡设置有账户列表文件和默认账户文件，其中所述账户列表文件用于记录账户信息，所述默认账户文件用于记录默认账户信息， The smart card is provided with an account list file and a default account file, wherein the account list file is used to record account information, and the default account file is used to record default account information, 所述智能卡被配置成能够： The smart card is configured to: 响应于移动通信设备，从账户列表文件选择账户信息作为默认账户信息， In response to the mobile communication device selecting account information from the account list file as default account information, 响应于移动通信设备，在所述默认账户文件中记录所述被选择的默认账户信息。 Responsive to the mobile communication device, recording the selected default account information in the default account file. 15. 如权利要求12所述的智能卡，其特征在于， 15. The smart card of claim 12, wherein: 所述智能卡被配置成能够： The smart card is configured to: 当外部应用对智能卡进行应用选择时，使得外部应用要从智能卡读取的账户信息与所述默认账户信息一致，从而让默认账户信息被用于进行支付。 When the external application selects the smart card, the account information to be read by the external application from the smart card is consistent with the default account information, so that the default account information is used for payment. 16. 如权利要求15所述的智能卡，其特征在于， 16. The smart card of claim 15, wherein: 所述智能卡被配置成能够： The smart card is configured to: 使得智能卡中的PPSE文件中的账户信息与默认账户信息一致， Make the account information in the PPSE file in the smart card consistent with the default account information, 当外部应用采用PPSE方式进行应用选择时，使得外部应用从PPSE文件读取默认账户信息来完成支付。 When the external application uses the PPSE method to select the application, the external application is made to read the default account information from the PPSE file to complete the payment. 17. 如权利要求15所述的智能卡，其特征在于， 17. The smart card of claim 15, wherein: 所述智能卡被配置成能够： The smart card is configured to: 当外部应用采用AID方式进行应用选择时，判断从所述外部应用接收到的AID是否对应于默认账户信息的账户ID，如果是，则默认账户信息被用于进行支付。 When the external application uses the AID method to select the application, it is judged whether the AID received from the external application corresponds to the account ID of the default account information, and if so, the default account information is used for payment. 18. 如权利要求13所述的移动通信设备，其特征在于， 18. The mobile communication device of claim 13, wherein 所述智能卡被配置成能够基于所述默认账户信息进行近场支付或者远程支付。 The smart card is configured to perform near-field payment or remote payment based on the default account information.
CN201210320080.XA 2012-09-03 2012-09-03 Payment method based on mobile communication equipment, mobile communication equipment and smart card Pending CN103679439A (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CN201210320080.XA CN103679439A (en) 2012-09-03 2012-09-03 Payment method based on mobile communication equipment, mobile communication equipment and smart card
PCT/CN2013/082842 WO2014032628A1 (en) 2012-09-03 2013-09-03 Payment method based on mobile communication device, mobile communication device, and smart card
TW102131740A TW201411514A (en) 2012-09-03 2013-09-03 Payment method based on mobile communication device, mobile communication device, and smart card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201210320080.XA CN103679439A (en) 2012-09-03 2012-09-03 Payment method based on mobile communication equipment, mobile communication equipment and smart card

Publications (1)

Publication Number Publication Date
CN103679439A true CN103679439A (en) 2014-03-26

Family

ID=50182543

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201210320080.XA Pending CN103679439A (en) 2012-09-03 2012-09-03 Payment method based on mobile communication equipment, mobile communication equipment and smart card

Country Status (3)

Country Link
CN (1) CN103679439A (en)
TW (1) TW201411514A (en)
WO (1) WO2014032628A1 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017128182A1 (en) * 2016-01-28 2017-08-03 华为技术有限公司 Near field communication payment method and terminal
CN108369702A (en) * 2015-10-05 2018-08-03 万事达卡国际股份有限公司 Method and system for identifying credentials stored in a computing device

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI709928B (en) * 2017-12-27 2020-11-11 鴻驊科技股份有限公司 Online payment method, program product and mobile payment card
WO2023043811A1 (en) 2021-09-14 2023-03-23 Visa International Service Association Mobile device application for account selection on multi-account card

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020017561A1 (en) * 2000-08-08 2002-02-14 Hiroyuki Tomoike Electronic payment system using accounting function in a mobile communication network
CN102073969A (en) * 2011-01-31 2011-05-25 中国光大银行股份有限公司 Method for realizing debit and credit integrated card
CN102521747A (en) * 2011-12-05 2012-06-27 中国联合网络通信集团有限公司 Method for binding electronic wallet account, method, device and system for processing service of electronic wallet

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7802719B2 (en) * 2006-09-29 2010-09-28 Sony Ericsson Mobile Communications Ab System and method for presenting multiple transaction options in a portable device
US8065230B1 (en) * 2008-07-14 2011-11-22 The Pnc Financial Services Group, Inc. Family purchase card for developing financial management skills
CN101511074B (en) * 2009-03-30 2012-03-07 宇龙计算机通信科技(深圳)有限公司 Selection method, system, server and terminal for mobile terminal paying account

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020017561A1 (en) * 2000-08-08 2002-02-14 Hiroyuki Tomoike Electronic payment system using accounting function in a mobile communication network
CN102073969A (en) * 2011-01-31 2011-05-25 中国光大银行股份有限公司 Method for realizing debit and credit integrated card
CN102521747A (en) * 2011-12-05 2012-06-27 中国联合网络通信集团有限公司 Method for binding electronic wallet account, method, device and system for processing service of electronic wallet

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108369702A (en) * 2015-10-05 2018-08-03 万事达卡国际股份有限公司 Method and system for identifying credentials stored in a computing device
WO2017128182A1 (en) * 2016-01-28 2017-08-03 华为技术有限公司 Near field communication payment method and terminal
CN107251069A (en) * 2016-01-28 2017-10-13 华为技术有限公司 A kind of near-field communication method of payment and terminal
CN107251069B (en) * 2016-01-28 2020-09-29 华为技术有限公司 Near field communication payment method and terminal

Also Published As

Publication number Publication date
WO2014032628A1 (en) 2014-03-06
TW201411514A (en) 2014-03-16

Similar Documents

Publication Publication Date Title
US10825009B2 (en) Payment additional service information processing method and electronic device for supporting the same
JP2017010588A (en) Payment transaction processing without secure elements
KR102008206B1 (en) A server, method and system for managing card transaction service
KR20160145962A (en) User equipment for reverse NFC payment, NFC payment terminal, system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR20150019956A (en) Terminal and service device for providing card clause agreement and issue, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
WO2020195414A1 (en) Information processing device, information processing system, information processing method, and program
CN103679439A (en) Payment method based on mobile communication equipment, mobile communication equipment and smart card
KR20150029781A (en) Terminal and coupon server for providing coupon, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102232795B1 (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
CN103605939A (en) Method, device and system for writing personal data in financial IC card
KR102354802B1 (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
CN103678427B (en) Retrieve and use the method and system of the application being arranged in smart card
KR102235736B1 (en) Affiliated store server, service providing device and terminal, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102245050B1 (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR20150101337A (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR20150101600A (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102258065B1 (en) Terminal and affiliated store server, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102198211B1 (en) Terminal, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102243961B1 (en) Terminal, service providing device and 3rd party server, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102111620B1 (en) Terminal, control method thereof and computer readable medium having computer program recorded therefor
KR102067662B1 (en) Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
CN103903336A (en) Card-swiping payment method, card-swiping payment system, merchant client side and payment server
CN205139988U (en) POS machine card swiping system and POS machine thereof
HK1196174A (en) A payment method based on a mobile communication equipment, a mobile communication equipment, and a smart card
CN102063629A (en) Mifare card, and Mifare access device and method

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
REG Reference to a national code

Ref country code: HK

Ref legal event code: DE

Ref document number: 1196174

Country of ref document: HK

RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20140326

REG Reference to a national code

Ref country code: HK

Ref legal event code: WD

Ref document number: 1196174

Country of ref document: HK