CN101685511A - Terminal payment method and terminal based on near field communication - Google Patents

Abstract

The invention discloses a terminal payment method and a terminal based on near field communication, wherein the method comprises the following steps: a content service provider mobile terminal clientwhich is an SP mobile terminal client carries out service negotiation with an SP through wireless air communication to determine service information and writes the service information to an intelligent card end service of the SP mobile terminal; the intelligent card end service of the SP mobile terminal carries out near field communication with the SP and provides the service information for the SP; and the SP mobile terminal client communicates with a wallet service provider mobile terminal intelligent card service which is a WP mobile terminal intelligent card service and pays for the SP. Bythe invention, the problems of limited consumption kinds, inflexible operations and low safety existing in near field communication mobile payment of the relevant art can be solved by fully utilizingthe payment and operation flexibility of various modules and safe protection of the interaction among the modules and the aim for realizing safe and flexible payment can be achieved.

Description

Based on the terminal method of payment of near-field communication with based on the terminal of near-field communication

Technical field

The present invention relates to the communications field, and especially, relate to a kind of based on near-field communication the terminal method of payment and based on the terminal of near-field communication.

Background technology

At present, the service consumption idea that people-oriented, making the transaction of increasing long-range mobile banking popularize comes, allow people can enjoy the convenience of move transaction fully, and, along with portable terminal (for example, mobile phone and personal digital assistant (PDA)) development, based on the inquiry of mobile banking, transfer accounts and business such as payment also thereupon widespread usage on portable terminal.

But, present mass consumption still based on closely consumption, for example, pay in cash and Credit Card Payments be still the most general consumption pattern.Mainly there are many shortcomings in common closely consumption, and for example, change and various credit card and bank card be manageability not, and puppet is blocked and the robber swipes the card, and phenomenon is also serious day by day, and the management of various consumption receipts is also quite loaded down with trivial details.These shortcomings have all caused trouble to consumer, bank and trade company.Improving the convenience and the security of closely transaction, is the key factor that move transaction is obtained the breakthrough of matter.

Near-field communication (Near Field Communication, abbreviating NFC as) technology is a technology by the common research and development of companies such as Philips, Nokia, Sony, this technology is from radio-frequency (RF) identification (Radio Frequency Identity, abbreviate RFID as) technical development, and the development of saying so exactly based on the non-contact automatic identification technology of RFID.

NFC can satisfy message exchange, access to content and the service exchange between any two wireless devices, and make the mode of realization more simple, promptly, as long as any two equipment are not near (and needing cable to patch), just can realize the intercommunication mutually between these two equipment, thereby reach the purpose that shortens " communication distance " between any two wireless devices.

Usually, the NFC technology can realize following intelligent issued transaction: hold mobile phone in user's hand, in the advertising poster front of a concert, near placard, this technology just can realize being connected of mobile phone and placard website with mobile phone; If the vote buying admission can utilize the intelligent card payment ticket fee that is embedded in the mobile phone.

Along with the development of NFC technology, closely very big variation has also taken place in consumption.The NFC technology with portable terminal (for example, mobile phone) becomes a kind of contactless payment instrument and ticketing service instrument of safe, convenient, quick and fashion, for example, portable terminal becomes as transportation card or bank card, can as brush mass transit card and bank card, consume by mobile phone, as long as carry portable terminal and portable terminal just can be concluded the business near the payment devices terminal, and need not to show Payment Card.As can be seen, NFC brings following three major advantages for transaction, that is, and and the agility of ease for use, convenience and contactless payment.

Fig. 1 shows the synoptic diagram that moves small amount payment according to the near-field communication of correlation technique, as shown in Figure 1, the implementation of present near-field communication mobile payment may further comprise the steps: (11) user locates the consumption of directly stamping the card at content and service provider (SP), by carrying out short-range communication between SP and the SP portable terminal smart card end service (application of IC cards), carry out checking and withholing of balance amount information; (12) user's inquiry of directly stamping the card at the SP place by carrying out short-range communication between SP and the service of SP portable terminal smart card end, is carried out balance amount information and is read; (13) user directly pays the fees and stamps the card at the SP place, and by carrying out short-range communication between SP and the service of SP portable terminal smart card end, it is value added to carry out remaining sum.

As shown in Figure 1, the consumption relation of this mode is made of SP, user and portable terminal three, and there is following defective the first in this mode, and the customer consumption kind is single, can only consume at fixing service provider place, type service is by smart card quantity decision integrated on the terminal; The second, the customer consumption mode is single, can only satisfy by the single operation of stamping the card and supplement business such as inquiry into balance with money; The 3rd, service provider not only provides consumption service that gold stream service also will be provided, and, to the supplementing with money and withholing of card, and carries out the service of gold stream simultaneously and consumption service is very difficult for content service provider that is; The 4th, security does not guarantee that anyone can consume with this terminal.

The problem that the consumption kind is limited, operation is dumb, security is low at near-field communication mobile payment in the correlation technique exists does not propose effective solution at present as yet.

Summary of the invention

Consider the problem that the consumption kind is limited, operation is dumb, security is low that the near-field communication mobile payment exists in the correlation technique and make the present invention, for this reason, fundamental purpose of the present invention be to provide a kind of based on near-field communication the terminal method of payment and based on the terminal of near-field communication.

According to an aspect of the present invention, provide a kind of terminal method of payment based on near-field communication.

Terminal method of payment based on near-field communication according to the present invention comprises:

The content and service provider mobile terminal client terminal is that the SP mobile terminal client terminal is communicated by letter by wireless air with SP and carried out service negotiation, determines business information, and business information is write the service of SP portable terminal smart card end; End service of SP portable terminal smart card and SP carry out near-field communication, provide business information to SP; SP mobile terminal client terminal and the service of wallet service provider portable terminal smart card are that the service of WP portable terminal smart card communicates, and pay to SP.

Wherein, at the SP mobile terminal client terminal and the service of WP portable terminal smart card end communicates and before SP paid, this method can further comprise:

SP mobile terminal client terminal and the service of WP portable terminal smart card end are carried out verification by password to the user, open wallet to pay under the situation that verification is passed through.

At this moment, SP mobile terminal client terminal and the service of WP portable terminal smart card end are specifically as follows the processing that the user verifies by password: the SP mobile terminal client terminal receives the password by user's input, and the password of input is sent to the service of WP portable terminal smart card end; Whether the password of WP portable terminal smart card end service verification input is correct; Under verifying that the result is for the correct situation of the password of input, WP portable terminal smart card end Service Notification SP mobile terminal client terminal is withholdd; The SP mobile terminal client terminal to WP portable terminal smart card end service withhold, and withhold finish after the notice SP.

Wherein, under the situation of the password bad that WP portable terminal smart card end service verification is imported, termination.

In addition, after finishing payment to SP, the business that is provided according to business information by SP is provided the SP mobile terminal client terminal.

According to a further aspect in the invention, provide a kind of terminal based on near-field communication.

Terminal based on near-field communication according to the present invention comprises:

The SP mobile terminal client terminal module is used for communicating by letter by wireless air with SP and carries out service negotiation, determines business information, and business information is write SP portable terminal smart card end service module, and the business that is provided by SP is provided;

SP portable terminal smart card end service module is used for storage service information, and provides business information to SP;

WP portable terminal smart card end service module is used to store the wallet data, and communicates with the SP mobile terminal client terminal module, pays to SP;

The WP mobile terminal client terminal module is used for communicating with WP portable terminal smart card end service module, obtains the wallet data, and communicates to WP portable terminal smart card end service with WP and supplement with money.

Wherein, the SP mobile terminal client terminal module can be further used at the password that receives when SP pays by user's input, the password of input is sent to the service of WP portable terminal smart card end, and withhold at the correct situation of password of the WP portable terminal smart card end service module checking input WP portable terminal smart card end service module that sends a notice, and after the success of withholing, notify SP, to finish payment.

And, WP portable terminal smart card end service module can be further used for verifying whether the password of input is correct, and with result notification SP mobile terminal client terminal module, and under the control of SP mobile terminal client terminal module, withhold, the result that will withhold returns to the SP mobile terminal client terminal module.

By technique scheme of the present invention; general frame by definition SP mobile terminal client terminal module, SP portable terminal smart card end service module, WP portable terminal smart card end service module, WP mobile terminal client terminal module; made full use of that mutual safeguard protection has solved the problem that the consumption kind is limited, operation is dumb, security is low that the near-field communication mobile payment exists in the correlation technique between the payment of each module and flexibility of operation, the module, reached to realize safety, the purpose of paying flexibly.

Other features and advantages of the present invention will be set forth in the following description, and, partly from instructions, become apparent, perhaps understand by implementing the present invention.Purpose of the present invention and other advantages can realize and obtain by specifically noted structure in the instructions of being write, claims and accompanying drawing.

Description of drawings

Accompanying drawing described herein is used to provide further understanding of the present invention, constitutes the application's a part, and illustrative examples of the present invention and explanation thereof are used to explain the present invention, do not constitute improper qualification of the present invention.In the accompanying drawings:

Fig. 1 is the realization synoptic diagram based on the small amount payment of short-range communication according to correlation technique;

Fig. 2 is the block diagram based on the terminal of near-field communication of apparatus of the present invention embodiment;

Fig. 3 is between each module based on the terminal of near-field communication of apparatus of the present invention embodiment, each module and extraneous Signalling exchange synoptic diagram;

Fig. 4 is the process flow diagram based on the terminal method of payment of near-field communication according to the inventive method embodiment;

Fig. 5 is that the terminal method of payment based on near-field communication according to the inventive method embodiment is applied to film ticket and orders signaling process figure under the situation;

Fig. 6 carries out the signaling process figure that the stored value card note is supplemented with money in the terminal method of payment based on near-field communication according to the inventive method embodiment;

Fig. 7 supplements the signaling process figure that supplements with money under the scene of hall with money in the terminal method of payment based on near-field communication according to the inventive method embodiment;

Fig. 8 carries out the close signaling process figure that supplements with money of stored value card card in kind in the terminal method of payment based on near-field communication according to the inventive method embodiment;

Fig. 9 is the signaling process figure that carries out the electronic purse balance amount inquiry in the terminal method of payment based on near-field communication according to the inventive method embodiment;

Figure 10 is the signaling process figure that carries out the checking of electronics movie ticket according to the terminal method of payment based on near-field communication of the inventive method embodiment.

Embodiment

Functional overview; the present invention has proposed the general frame of SP mobile terminal client terminal module, SP portable terminal smart card end service module, WP portable terminal smart card end service module, WP mobile terminal client terminal module in the wireless communication terminal based on JAVA, utilize that mutual safeguard protection has solved the problem that the consumption kind is limited, operation is dumb, security is low that the near-field communication mobile payment exists in the correlation technique between the payment of each module and flexibility of operation, the module.

Device embodiment

In the present embodiment, provide a kind of terminal based on near-field communication.

As shown in Figure 2, the terminal based on near-field communication according to present embodiment comprises:

SP mobile terminal client terminal module (being designated hereinafter simply as the SP mobile terminal client terminal) 202, be arranged in terminal, be used for communicating by letter by wireless air and carry out service negotiation with SP, determine business information, and business information write SP portable terminal smart card end service 204, and receive the business that provides by SP;

SP portable terminal smart card end service module (being designated hereinafter simply as the service of SP portable terminal smart card end) 204 preferably, is arranged in the smart card of terminal, is used for storage service information, and provides business information to SP;

WP portable terminal smart card end service module (being designated hereinafter simply as the service of WP portable terminal smart card end) 206 preferably, is arranged in the terminal intelligent card, is used to store the wallet data, and communicates with SP mobile terminal client terminal module 204, pays to SP;

WP mobile terminal client terminal module (being designated hereinafter simply as the WP mobile terminal client terminal) 208, be arranged in terminal, be used for communicating, obtain the wallet data, and communicate with WP WP portable terminal smart card end service 206 is supplemented with money with WP portable terminal smart card end service 204.

Wherein, SP mobile terminal client terminal 202 is further used at the password that receives when SP pays by user's input, the password of input is sent to WP portable terminal smart card end service 206, and withhold in the WP portable terminal smart card end service 206 that sends a notice of the correct situation of password of WP portable terminal smart card end service 206 checking input, after the success of withholing, notify SP, to finish payment.

Correspondingly, WP portable terminal smart card end service 206 is further used for verifying whether the password of input is correct, and with result notification SP mobile terminal client terminal 202, and under the control of SP mobile terminal client terminal 202, withhold, the result that will withhold returns to SP mobile terminal client terminal 202.

Fig. 3 shows in the middle of practical application according to the mutual synoptic diagram between each module in the terminal of present embodiment and user (consumer), SP, the WP mobile operator.

As shown in Figure 3, specifically comprise following processing

(2) the SP mobile terminal client terminal by machine cartoon letters visit WP portable terminal smart card end service (application of IC cards), carries out the wallet data write according to negotiation result, and this step needs the user to import associated cryptographic;

(3) carry out wireless air between SP mobile terminal client terminal and the SP and communicate by letter, confirm this transaction details;

(4) the SP mobile terminal client terminal writes Transaction Information by machine cartoon letters visit SP portable terminal smart card end service (application of IC cards);

(5) short-range communication is carried out in SP and the service of SP portable terminal smart card end, reads Transaction Information, verifies the validity of this information, as effectively, holds the service that this mobile terminal user will obtain SP;

(6) user carries out the machine cartoon letters by WP mobile terminal client terminal (J2ME application program) and the service of WP portable terminal smart card end, inquires remaining sum (read/write wallet data);

(7) user carries out note by WP mobile terminal client terminal and mobile operator and supplements with money, and the WP mobile terminal client terminal carries out the machine cartoon letters with the service of WP portable terminal smart card end again, recharge amount is write (read/write wallet data);

(8) user carries out cash or draws the account transaction by WP, carries out short-range communication by WP and the service of WP portable terminal smart card end, and recharge amount is write;

(9) user carries out wireless air by the WP mobile terminal client terminal with WP and communicates by letter, the close validity of checking card in kind.As block close effectively, the WP mobile terminal client terminal carries out the machine cartoon letters with the service of WP portable terminal smart card end again, recharge amount is write (read/write wallet data).

Should be noted that the no sequencing of above-mentioned treatment step (1) to (9), only show the Signalling exchange that exists between each module or with the external world according in the terminal of present embodiment.

Method embodiment

In the present embodiment, provide a kind of terminal method of payment based on near-field communication.

As shown in Figure 4, the terminal method of payment based on near-field communication according to present embodiment comprises:

Step S402, SP mobile terminal client terminal communicate by letter by wireless air with SP and carry out service negotiation, determine business information, and business information is write the service of SP portable terminal smart card end;

Step S404, end service of SP portable terminal smart card and SP carry out near-field communication, provide business information to SP;

Step S406, SP mobile terminal client terminal and the service of wallet service provider portable terminal smart card are that the service of WP portable terminal smart card communicates, and pay to SP.

Wherein, SP mobile terminal client terminal and the service of WP portable terminal smart card end communicates and before SP paid, this method can further comprise:

SP mobile terminal client terminal and the service of WP portable terminal smart card end are carried out verification by password to the user, open wallet to pay under the situation that verification is passed through.

Particularly, SP mobile terminal client terminal and the service of WP portable terminal smart card end are specially the processing that the user verifies by password:

The SP mobile terminal client terminal receives the password by user's input, and the password of input is sent to the service of WP portable terminal smart card end;

Whether the password of WP portable terminal smart card end service verification input is correct;

Under verifying that the result is for the correct situation of the password of input, WP portable terminal smart card end Service Notification SP mobile terminal client terminal is withholdd;

The SP mobile terminal client terminal to WP portable terminal smart card end service withhold, and withhold finish after the notice SP.

On the other hand, under the situation of the password bad that WP portable terminal smart card end service verification is imported, termination.

Alternatively, after finishing payment to SP, the business that is provided according to business information by SP is provided the SP mobile terminal client terminal.

The processing procedure of payment is described below in conjunction with concrete application scenarios.

Fig. 5 shows in the mobile phone upper end and carries out the signaling process that the electronics movie ticket is subscribed processing, and as shown in Figure 5, the process of ordering is as follows:

Step 501, ticketing service midlet software (comprising the J2ME application program, corresponding to above-mentioned SP mobile terminal client terminal) sends request to server, and is connected to the ticket booking host computer system, for example, the address of main frame seat reservation system is http://www.xxx.yyy.zzz/movie/index;

Step 502, the user sends ticket booking request by ticketing service midlet to the ticket booking host computer system by browsing relevant informations such as film, seat;

Step 503, whether really the ticket booking host computer system is errorless in confirmation, and current when qualified electronics movie ticket is arranged, confirm ticket booking to ticketing service midlet;

Step 504, ticketing service midlet and wallet applet (corresponding to above-mentioned SP portable terminal smart card end service) are mutual, open password with the input wallet;

Step 505, the input of wallet applet (corresponding to above-mentioned WP portable terminal smart card end service) notice ticketing service midlet password is correct;

Step 506, the ticketing service midlet information of will withholing is notified wallet applet;

Step 507, wallet applet withholds successfully, sends successful information to ticketing service midlet;

Step 508, ticketing service midlet sends the information of successfully withholing to the ticket booking host computer system;

Step 509, the ticket booking host computer system is finished this ticket booking, sends electronics movie ticket information to ticketing service midlet;

Step 510, ticketing service midlet notice ticketing service applet (application of IC cards) writes the time of electronics movie ticket, play, various information such as position;

Step 511, ticketing service applet sends successful writing information to ticketing service midlet.

And, if the user wishes to carry out other transaction, download corresponding business midlet and professional applet and get final product, expanded the dirigibility of payment.

Fig. 6 shows the processing signaling flow process of supplementing with money carrying out wallet by short message mode.As shown in Figure 6, comprise following processing:

Step 601 sends out the user and operates wallet midlet software (J2ME application program, (corresponding to above-mentioned WP mobile terminal client terminal)) and carry out note and supplement with money, sends the customization note to Short Message Service Gateway;

Step 602, Short Message Service Gateway is withholdd, and sends the receipt note to the user;

Step 603, wallet midlet sends charging request to wallet applet;

Step 604, wallet applet supplements with money, sends successful information to wallet midlet.

Fig. 7 shows the processing signaling flow process of supplementing with money in the hall supplementing with money.As shown in Figure 7, specifically comprise following processing procedure:

Step 701, the user supplements with money in the appointed place, to staff's paying;

Step 702, the staff communicates by letter with wallet applet by the NFC terminal, reaches the purpose that user mobile phone is supplemented with money;

Step 703, wallet applet successful recharging returns success information to the NFC terminal;

Fig. 8 shows to be stuck in by material object and carries out the processing signaling flow process that wallet is supplemented with money on the mobile phone.As shown in Figure 8, comprise the steps:

Step 801, the user is from the books and periodicals booth, and retailers such as convenience store go out to have bought card in kind, by the wallet midlet application software on the mobile phone, send information such as card number and password to the stored value card host computer system;

Step 802, the stored value card host computer system is verified the validity of this card, for effectively blocking, locks this card as card, sends the card effective information to wallet midlet;

Step 803, after wallet midlet received effective information, applet sent charging request to wallet;

Step 804, wallet applet successful recharging sends successful information to wallet midlet.

Fig. 9 shows the processing signaling flow process of carrying out the wallet balances inquiry on terminal.As shown in Figure 9, may further comprise the steps:

Step 901, wallet midlet software sends query requests to wallet applet;

Step 902, wallet applet returns balance amount information to wallet midlet.

Figure 10 shows the processing signaling flow process of carrying out the checking of electronics movie ticket on terminal.As shown in figure 10, comprise the steps:

(1) step 1001, the user closely responds to mobile phone on ticket-validating machine, and ticket-validating machine sends the ticket checking request by NFC to ticketing service applet;

(2) step 1002, ticketing service applet sends to ticket-validating machine with electronics movie ticket information;

(3) step 1003, ticket-validating machine after the confirmation, are sent let pass request to People's Bank of China's sluice gate to the checking of electronics movie ticket.

In sum; by means of technical scheme of the present invention; general frame by definition SP mobile terminal client terminal module, SP portable terminal smart card end service module, WP portable terminal smart card end service module, WP mobile terminal client terminal module; made full use of that mutual safeguard protection has solved the problem that the consumption kind is limited, operation is dumb, security is low that the near-field communication mobile payment exists in the correlation technique between the payment of each module and flexibility of operation, the module, reached to realize safety, the purpose of paying flexibly.

The above is the preferred embodiments of the present invention only, is not limited to the present invention, and for a person skilled in the art, the present invention can have various changes and variation.Within the spirit and principles in the present invention all, any modification of being done, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims (8)

1. the terminal method of payment based on near-field communication is characterized in that, comprising:

The content and service provider mobile terminal client terminal is that the SP mobile terminal client terminal is communicated by letter by wireless air with SP and carried out service negotiation, determines business information, and described business information is write the service of SP portable terminal smart card end;

End service of described SP portable terminal smart card and described SP carry out near-field communication, provide described business information to described SP;

Described SP mobile terminal client terminal and the service of wallet service provider portable terminal smart card are that the service of WP portable terminal smart card communicates, and pay to described SP.

2. method according to claim 1 is characterized in that, described SP mobile terminal client terminal and the service of described WP portable terminal smart card end communicate and before described SP pays, further comprise:

Described SP mobile terminal client terminal and the service of described WP portable terminal smart card end are carried out verification by password to the user, open wallet to pay under the situation that verification is passed through.

3. method according to claim 2 is characterized in that, described SP mobile terminal client terminal and the service of described WP portable terminal smart card end are specially the processing that described user verifies by described password:

Described SP mobile terminal client terminal receives the password by described user's input, and the described password that will input sends to the service of described WP portable terminal smart card end;

Whether the described password of described WP portable terminal smart card end service verification input is correct;

Under verifying that the result is for the correct situation of the described password of input, the described SP mobile terminal client terminal of described WP portable terminal smart card end Service Notification is withholdd;

Described SP mobile terminal client terminal to described WP portable terminal smart card end service withhold, and notify described SP after finishing withholing.

4. method according to claim 3 is characterized in that, under the situation of the described password bad that described WP portable terminal smart card end service verification is imported, and termination.

5. method according to claim 1 is characterized in that, after finishing payment to described SP, the business that is provided according to described business information by SP is provided described SP mobile terminal client terminal.

6. the terminal based on near-field communication is characterized in that, comprising:

The SP mobile terminal client terminal module is used for communicating by letter by wireless air with SP and carries out service negotiation, determines business information, and described business information is write SP portable terminal smart card end service module, and the business that is provided by described SP is provided;

Described SP portable terminal smart card end service module is used to store described business information, and provides described business information to described SP;

WP portable terminal smart card end service module is used to store the wallet data, and communicates with described SP mobile terminal client terminal module, pays to described SP;

The WP mobile terminal client terminal module is used for communicating with described WP portable terminal smart card end service module, obtains described wallet data, and communicates to described WP portable terminal smart card end service with WP and supplement with money.

7. terminal according to claim 6, it is characterized in that, described SP mobile terminal client terminal module is further used at the password that receives when described SP pays by user's input, the described password of input is sent to the service of described WP portable terminal smart card end, and withhold at the correct situation of described password of the described WP portable terminal smart card end service module checking input described WP portable terminal smart card end service module that sends a notice, and after the success of withholing, notify described SP, to finish payment.

8. terminal according to claim 7, it is characterized in that, described WP portable terminal smart card end service module is further used for verifying whether the described password of input is correct, and with the described SP mobile terminal client terminal module of result notification, and under the control of described SP mobile terminal client terminal module, withhold, the result that will withhold returns to described SP mobile terminal client terminal module.

Images