技术领域technical field
本发明的实施例涉及电子支付，并且具体涉及基于HCE的支付方法和装置。Embodiments of the present invention relate to electronic payment, and in particular to an HCE-based payment method and device.
背景技术Background technique
近场通信(NearFieldCommunication，NFC)技术允许电子设备之间在数厘米的范围内进行非接触式点对点数据传输。Near Field Communication (NFC) technology allows non-contact point-to-point data transmission between electronic devices within a few centimeters.
具有NFC功能的设备可三种方式下工作。在卡模拟(CardEmulation)模式下，NFC设备模拟一张卡；在读写器模式下，NFC设备模拟读写器，对卡进行读写；在双向数据分享模式下，两个NFC设备互相交换数据。Devices with NFC functionality can work in three ways. In the card emulation (CardEmulation) mode, the NFC device simulates a card; in the reader mode, the NFC device simulates the reader to read and write the card; in the two-way data sharing mode, two NFC devices exchange data with each other .
在NFC设备上实现卡模拟的方式包括基于硬件的虚拟卡模式(VirtualCardMode)和是基于软件的主机卡模式(HostCardMode)。在虚拟卡模式下，需要提供安全元件(SecureElement，SE)。SE为敏感信息提供安全存储，并且为交易事务提供的安全的执行环境。NFC芯片作为非接触通信前端，将从外部读写器接收到的数据转发到SE，然后由SE处理，并通过NFC控制器返回处理结果。在主机卡模式下，不需要提供SE，而是由在NFC设备中运行的一个应用或云端的服务器完成SE的功能。在基于主机的卡模拟(host-basedcardemulation，HCE)下，NFC芯片接收到的数据由操作系统或发送至设备中的应用，或通过移动网络发送至云端的服务器来完成交互。因此，在使用HCE时，NFC控制器将从外部读写器接收到的数据直接发送到主机系统上，而不是SE。The ways to implement card emulation on NFC devices include hardware-based virtual card mode (VirtualCardMode) and software-based host card mode (HostCardMode). In the virtual card mode, a secure element (SecureElement, SE) needs to be provided. SE provides secure storage for sensitive information and a secure execution environment for transactions. The NFC chip acts as a contactless communication front end, forwards the data received from the external reader to the SE, and then processed by the SE, and returns the processing result through the NFC controller. In the host card mode, there is no need to provide SE, but an application running in the NFC device or a server in the cloud completes the function of SE. Under host-based card emulation (HCE), the data received by the NFC chip is sent by the operating system or to the application in the device, or sent to the server in the cloud through the mobile network to complete the interaction. Therefore, when using HCE, the NFC controller sends the data received from the external reader directly to the host system instead of SE.
发明内容Contents of the invention
公开一种基于HCE的支付方法，包括：从受理终端接收用户唯一标识，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，基于该卡信息得到折扣项目，向该受理终端返回折扣后的支付金额。An HCE-based payment method is disclosed, including: receiving a user unique identifier from an acceptance terminal, obtaining card information bound to the user from user credentials stored in the cloud according to the user unique identifier, obtaining discount items based on the card information, and sending The acceptance terminal returns the discounted payment amount.
可选地，根据该卡信息和支付金额确定折扣信息。Optionally, discount information is determined according to the card information and payment amount.
可选地，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。Optionally, the user unique identifier corresponds to multiple cards, where the maximum discount item is obtained based on the information of the multiple cards, and the payment amount after the maximum discount is returned to the acceptance terminal.
可选地，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。Optionally, the user unique identifier corresponds to multiple cards, wherein multiple discount items are obtained based on the information of the multiple cards, and the multiple discount items are returned to the acceptance terminal.
公开一种基于HCE的支付装置，包括：第一单元，从受理终端接收用户唯一标识，第二单元，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，第三单元，基于该卡信息得到折扣项目，第四单元，向该受理终端返回折扣后的支付金额。An HCE-based payment device is disclosed, including: a first unit that receives a user's unique identifier from an acceptance terminal; a second unit that obtains card information bound to the user from user credentials stored in the cloud according to the user's unique identifier; The third unit is to obtain discount items based on the card information, and the fourth unit is to return the discounted payment amount to the acceptance terminal.
可选地，所述第三单元，根据该卡信息和支付金额确定折扣信息。Optionally, the third unit determines discount information according to the card information and payment amount.
可选地，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到最大折扣项目，所述第四单元，向该受理终端返回最大折扣后的支付金额。Optionally, the user unique identifier corresponds to multiple cards, wherein the third unit obtains the maximum discount item based on the information of the multiple cards, and the fourth unit returns the payment amount after the maximum discount to the acceptance terminal .
可选地，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到多个折扣项目，所述第四单元，向该受理终端返回所述多个折扣项目。Optionally, the user unique identifier corresponds to multiple cards, wherein the third unit obtains multiple discount items based on the information of the multiple cards, and the fourth unit returns the multiple discount items to the acceptance terminal project.
本发明的优势在于用户不需要担心遗忘各种促销、折扣等活动，即使持有多张银行卡，对应最优惠的折扣项目的银行卡可以被自动地选择。而且，基于HCE的卡模拟支付方式，不需要用户随身携带银行卡就能够进行支付。本发明的实施例提高了用户在进行交易活动中的支付效率，同时也增加了用户的支付体验。The advantage of the present invention is that the user does not need to worry about forgetting various promotions, discounts and other activities, even if he holds multiple bank cards, the bank card corresponding to the most favorable discount item can be automatically selected. Moreover, the HCE-based card simulation payment method does not require users to carry bank cards with them to make payments. The embodiment of the present invention improves the payment efficiency of the user in transaction activities, and also increases the payment experience of the user.
当结合附图阅读以下描述时也将理解本发明的实施例的其它特征和优势，其中附图借助于实例示出了本发明的实施例的原理。Other features and advantages of embodiments of the invention will also be understood when read in the following description when taken in conjunction with the accompanying drawings, illustrating by way of example the principles of embodiments of the invention.
附图说明Description of drawings
图1是根据本发明实施例的基于HCE的支付方案的示意图。Fig. 1 is a schematic diagram of an HCE-based payment scheme according to an embodiment of the present invention.
图2是根据本发明实施例的基于HCE的支付方法的示意图。Fig. 2 is a schematic diagram of an HCE-based payment method according to an embodiment of the present invention.
图3是根据本发明实施例的基于HCE的支付装置的示意图。Fig. 3 is a schematic diagram of an HCE-based payment device according to an embodiment of the present invention.
具体实施方式detailed description
在下文中，将结合实施例描述本发明的原理。应当理解的是，给出的实施例只是为了本领域技术人员更好地理解并且实践本发明，而不是限制本发明的范围。例如，本说明书中包含许多具体的实施细节不应被解释为对发明的范围或可能被要求保护的范围的限制，而是应该被视为特定于实施例的描述。例如，在各实施例的上下文描述的特征可被组合在单一实施例中来实施。在单一实施例的上下文中描述的特可在多个实施例来实施。Hereinafter, the principle of the present invention will be described with reference to the embodiments. It should be understood that the given examples are only for those skilled in the art to better understand and practice the present invention, rather than limiting the scope of the present invention. For example, the inclusion of many specific implementation details in this specification should not be construed as limitations on the scope of the invention or of what may be claimed, but rather as descriptions specific to the embodiments. For example, features that are described in the context of separate embodiments can be implemented in combination in a single embodiment. Features described in the context of a single embodiment can be implemented in multiple embodiments.
图1是根据本发明实施例的基于HCE的支付方案的示意图。在该基于HCE的支付方案中，智能终端10中的支付应用可以模拟支付IC卡，并且通过设置在智能终端10中的NFC控制器与受理终端20中的NFC读卡器直接通信。而用户的账户信息和支付密码等用户凭据和其它敏感信息可以被远程地存储在云端40，由云端40的服务器完成SE功能。Fig. 1 is a schematic diagram of an HCE-based payment scheme according to an embodiment of the present invention. In this HCE-based payment solution, the payment application in the smart terminal 10 can simulate a payment IC card, and communicate directly with the NFC card reader in the acceptance terminal 20 through the NFC controller set in the smart terminal 10 . User credentials such as user account information and payment passwords and other sensitive information can be stored remotely in the cloud 40, and the server in the cloud 40 completes the SE function.
在使用安装有支付应用的智能终端10进行支付时，受理终端30的NFC读卡器从智能终端10获得用户唯一标识。受理终端30再将该用户唯一标识传送到后台交易系统30。后台交易系统30根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息。后台交易系统30可以根据其维护的折扣信息配置和卡信息得到折扣项目。折扣项目指示用户在本次支付过程中能够享受的优惠。最后，后台交易系统30向该受理终端20返回折扣后的支付金额。受理终端20根据该折扣后的支付金额进行后续交易操作。交易成功后，受理终端可以向用户提示折扣项目。由此，交易系统可以提供自动折扣的操作，用户在进行支付前不需要回忆或者查看在当前支付场景下可以享受的折扣，不需要去关心或者干预与折扣相关的事务。When using the smart terminal 10 installed with the payment application to make payment, the NFC card reader of the acceptance terminal 30 obtains the user's unique identifier from the smart terminal 10 . The acceptance terminal 30 then transmits the unique user identifier to the background transaction system 30 . The background transaction system 30 obtains the card information bound to the user from the user credentials stored in the cloud according to the unique identifier of the user. The background transaction system 30 can obtain discount items according to the discount information configuration and card information it maintains. The discount item indicates the benefits that the user can enjoy in this payment process. Finally, the background transaction system 30 returns the discounted payment amount to the acceptance terminal 20 . The acceptance terminal 20 performs subsequent transaction operations according to the discounted payment amount. After the transaction is successful, the acceptance terminal can prompt the user for discount items. Therefore, the transaction system can provide an automatic discount operation, and the user does not need to recall or check the discounts that can be enjoyed in the current payment scenario before making a payment, and does not need to care about or intervene in discount-related affairs.
在一个实施例中，后台交易系统可以根据该卡信息和支付金额确定折扣信息。例如，当使用特定银行卡消费特定金额时，给予折扣。In one embodiment, the background transaction system can determine the discount information according to the card information and payment amount. For example, give a discount when spending a certain amount with a certain bank card.
用户在进行刷卡消费时，可能达到多种符合条件的优惠促销。在一个实施例中，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。在另一种情况下，所述用户唯一标识对应多张卡，其中，基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。When users swipe their cards for consumption, they may enjoy a variety of eligible preferential promotions. In one embodiment, the user unique identifier corresponds to multiple cards, where the maximum discount item is obtained based on the information of the multiple cards, and the payment amount after the maximum discount is returned to the acceptance terminal. In another case, the unique user identifier corresponds to multiple cards, wherein multiple discount items are obtained based on the information of the multiple cards, and the multiple discount items are returned to the acceptance terminal.
图2是根据本发明实施例的基于HCE的支付方法的示意图。该方法大致可以包括以下四个步骤，并且可以在后台交易系统被执行。Fig. 2 is a schematic diagram of an HCE-based payment method according to an embodiment of the present invention. The method may generally include the following four steps, and may be executed in the background transaction system.
步骤201：从受理终端接收用户唯一标识。该用户唯一标识可以唯一地确定用户身份，并且可以与一张或多张银行卡绑定。Step 201: Receive the user's unique identifier from the accepting terminal. The unique user identifier can uniquely determine the user identity, and can be bound to one or more bank cards.
步骤202：根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息。Step 202: Obtain the card information bound to the user from the user credentials stored in the cloud according to the unique identifier of the user.
步骤203：基于该卡信息得到折扣项目。或者，根据该卡信息和支付金额确定折扣信息。Step 203: Obtain discount items based on the card information. Alternatively, discount information is determined based on the card information and payment amount.
步骤204：向该受理终端返回折扣后的支付金额。可以基于该多张卡信息得到最大折扣项目，向该受理终端返回最大折扣后的支付金额。或者还可以基于该多张卡信息得到多个折扣项目，向该受理终端返回所述多个折扣项目。用户在知晓该多个折扣项目之后，可以选择需要使用的折扣项目。Step 204: Return the discounted payment amount to the acceptance terminal. The maximum discount item can be obtained based on the information of the multiple cards, and the payment amount after the maximum discount can be returned to the acceptance terminal. Alternatively, a plurality of discount items may be obtained based on the information of the plurality of cards, and the plurality of discount items may be returned to the acceptance terminal. After knowing the multiple discount items, the user can select the discount item to be used.
以下描述使用本发明的支付方法的交易过程的具体实例。A specific example of a transaction process using the payment method of the present invention is described below.
步骤301：用户通过手机应用程序完成多张银行卡信息与手机应用程序的绑定，并获得用户唯一标识；Step 301: the user completes the binding of multiple bank card information with the mobile application through the mobile application, and obtains the user's unique identification;
步骤302：在支付开始时，收银员在POS终端输入交易金额，提示用户将手机放置于POS终端上，随后POS终端从手机获得用户唯一标识，并且以安全的方式将其上送到后台交易系统；Step 302: At the beginning of payment, the cashier enters the transaction amount on the POS terminal, prompts the user to place the mobile phone on the POS terminal, and then the POS terminal obtains the user's unique ID from the mobile phone and sends it to the background transaction system in a safe manner ;
步骤303：后台交易系统根据用户唯一标识向云端获取用户绑定的卡信息，通过与后台交易系统自身所维护的折扣信息配置进行比对，并结合本次交易金额进行优惠匹配；Step 303: The background transaction system obtains the card information bound by the user from the cloud according to the user's unique identifier, compares it with the discount information configuration maintained by the background transaction system itself, and performs discount matching based on the transaction amount;
步骤304：后台交易系统将匹配折扣信息的卡、以及折扣后的支付金额返回POS终端；Step 304: The background transaction system returns the card matching the discount information and the payment amount after the discount to the POS terminal;
步骤305：POS终端通过显示器显示折扣后的支付金额，收银员可以提示用户是否愿意参与优惠活动；Step 305: The POS terminal displays the discounted payment amount on the display, and the cashier can prompt the user whether he is willing to participate in the discount activity;
步骤306：在用户确认参与优惠活动后，POS终端发送交易请求到后台交易系统；Step 306: After the user confirms to participate in the preferential activity, the POS terminal sends a transaction request to the background transaction system;
步骤307：台交易系统进行最终交易授权。Step 307: The Taiwan trading system performs final transaction authorization.
特别地，上述步骤304、305、306可以省略，即，自动完成折扣的匹配，并结合用户本次交易金额完成最优选择，无需用户干预。In particular, the above-mentioned steps 304, 305, and 306 can be omitted, that is, the discount matching is automatically completed, and the optimal selection is completed in combination with the user's current transaction amount, without user intervention.
图2和上述步骤301至307可被视为方法步骤、和/或被视为由于运行计算机程序代码而导致的操作、和/或被视为构建为实施相关功能的多个耦合的逻辑电路元件。尽管操作按特定的顺序在图中被描绘，但这不应被理解为要求按照所示的特定顺序或按依次顺序来执行这些操作，或要求所有例示的操作被执行，以达到理想的结果。在某些情况下，多任务并行处理可能是有利的。2 and the steps 301 to 307 described above may be viewed as method steps, and/or as operations resulting from running computer program code, and/or as a plurality of coupled logic circuit elements constructed to implement the associated functions . Although operations are depicted in the figures in a particular order, this should not be construed as requiring that these operations be performed in the particular order shown, or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In some cases, multitasking may be advantageous.
图3是根据本发明实施例的基于HCE的支付装置的示意图。基于HCE的支付装置，包括：第一单元，从受理终端接收用户唯一标识，第二单元，根据该用户唯一标识从存储在云端的用户凭据获得与该用户绑定的卡信息，第三单元，基于该卡信息得到折扣项目，第四单元，向该受理终端返回折扣后的支付金额。其中，所述第三单元，可以根据该卡信息和支付金额确定折扣信息。Fig. 3 is a schematic diagram of an HCE-based payment device according to an embodiment of the present invention. The HCE-based payment device includes: a first unit, which receives the user's unique identifier from the acceptance terminal; a second unit, which obtains the card information bound to the user from the user's credentials stored in the cloud according to the user's unique identifier; and the third unit, The discount item is obtained based on the card information, and the fourth unit returns the discounted payment amount to the acceptance terminal. Wherein, the third unit may determine discount information according to the card information and payment amount.
在一个实施例中，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到最大折扣项目，所述第四单元，向该受理终端返回最大折扣后的支付金额。In one embodiment, the user unique identifier corresponds to multiple cards, wherein the third unit obtains the maximum discount item based on the information of the multiple cards, and the fourth unit returns the maximum discounted item to the acceptance terminal Payment amount.
在一个实施例中，所述用户唯一标识对应多张卡，其中，所述第三单元，基于该多张卡信息得到多个折扣项目，所述第四单元，向该受理终端返回所述多个折扣项目。In one embodiment, the user unique identifier corresponds to multiple cards, wherein the third unit obtains multiple discount items based on the information of the multiple cards, and the fourth unit returns the multiple discount items to the acceptance terminal. discount items.
可以理解的是，所述各个功能性单元模块可以被配置在后台交易系统。还可以根据具体的实施情况，被配置在交易系统的其他部件中。It can be understood that the various functional unit modules can be configured in the background transaction system. It can also be configured in other components of the transaction system according to specific implementation conditions.
示例性实施例可在硬件、软件或其组合中来实施。例如，本发明的某些方面可在硬件中实施，而其它方面则可在软件中实施。尽管本发明的示例性实施例的方面可被示出和描述为框图、流程图，但很好理解的是，这里描述的这些装置、或方法可在作为非限制性实例的系统中被实现为功能模块。此外，上述装置不应被理解为要求在所有的实施例中进行这种分离，而应该被理解为所描述的程序组件和系统通常可以被集成在单一的软件产品中或打包成多个软件产品。Exemplary embodiments may be implemented in hardware, software or a combination thereof. For example, some aspects of the invention may be implemented in hardware, while other aspects may be implemented in software. Although aspects of the exemplary embodiments of the present invention may be shown and described as block diagrams, flowcharts, it is well understood that these apparatuses, or methods described herein may be implemented in a system as a non-limiting example functional module. Furthermore, the above-described arrangements should not be understood as requiring such separation in all embodiments, but rather that the described program components and systems may generally be integrated in a single software product or packaged into multiple software products .
相关领域的技术人员当结合附图阅读前述说明书时，对本发明的前述示例性实施例的各种修改和变形对于相关领域的技术人员会变得明显。因此，本发明的实施例不限于所公开的特定实施例，并且变形例和其它实施例意在涵盖在所附权利要求的范围内。Various modifications and alterations to the foregoing exemplary embodiments of this invention may become apparent to those skilled in the relevant arts to those skilled in the relevant arts, when the foregoing specification is read in conjunction with the accompanying drawings. Therefore, the embodiments of the invention are not to be limited to the particular embodiments disclosed and modifications and other embodiments are intended to be covered within the scope of the appended claims.
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| CN201510927529.2ACN105512882A (en) | 2015-12-14 | 2015-12-14 | HCE-based payment method and apparatus |
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| CN201510927529.2APendingCN105512882A (en) | 2015-12-14 | 2015-12-14 | HCE-based payment method and apparatus |
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| CN104408618A (en)* | 2014-11-12 | 2015-03-11 | 中国建设银行股份有限公司 | Bank card TP (Transaction Processing) method, device and system |
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| RJ01 | Rejection of invention patent application after publication | Application publication date:20160420 | |
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