CN105512882A - HCE-based payment method and apparatus - Google Patents
HCE-based payment method and apparatus Download PDFInfo
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- CN105512882A CN105512882A CN201510927529.2A CN201510927529A CN105512882A CN 105512882 A CN105512882 A CN 105512882A CN 201510927529 A CN201510927529 A CN 201510927529A CN 105512882 A CN105512882 A CN 105512882A
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- discount
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract
The invention discloses an HCE-based payment method and apparatus. The method comprises the following steps: receiving user unique identifiers from acceptance terminals, according to the user unique identifiers, obtaining card information bound to users from user credentials stored at cloud ends, based on the card information, obtaining discount items, and returning payment amounts after discounts to the acceptance terminals.
Description
Technical field
Embodiments of the invention relate to E-Payment, and the method for payment be specifically related to based on HCE and device.
Background technology
Near-field communication (NearFieldCommunication, NFC) technology allows in the scope of several centimetres, to carry out contactless Point-to-Point Data Transmission between electronic equipment.
The equipment with NFC function can work under three kinds of modes.Under snap gauge intends (CardEmulation) pattern, NFC device simulates a card; Under reader/writer mode, NFC device simulation read write line, reads and writes card; Under bi-directional data sharing model, two NFC device intercourse data.
NFC device realizes the mode that snap gauge intends comprise hardware based virtual card pattern (VirtualCardMode) and be the host card pattern (HostCardMode) based on software.Under virtual card pattern, need to provide safety element (SecureElement, SE).SE provides safe storage for sensitive information, and the execution environment of the safety provided for trade transactions.NFC chip, as contactless communication front end, by the data retransmission that receives from external reader to SE, then by SE process, and returns result by NFC controller.Under host card pattern, do not need to provide SE, but complete the function of SE by the server in run in NFC device one application or high in the clouds.Under Host Based snap gauge intends (host-basedcardemulation, HCE), the data that NFC chip receives by operating system or the application that is sent in equipment, or have been come by the server that mobile network is sent to high in the clouds alternately.Therefore, when using HCE, the data received from external reader are directly sent in host computer system by NFC controller, instead of SE.
Summary of the invention
A kind of method of payment based on HCE is disclosed, comprise: receive user's unique identification from accepting terminal, the card information bound with this user is obtained from the user rs credentials being stored in high in the clouds according to this user's unique identification, obtain discount project based on this card information, return the payment after discount to this accepting terminal.
Alternatively, according to this card information and payment determination discount information.
Alternatively, described user's unique identification multiple cards corresponding, wherein, obtain maximum-discount project based on these multiple card informations, return the payment after maximum-discount to this accepting terminal.
Alternatively, described user's unique identification multiple cards corresponding, wherein, obtain multiple discount project based on these multiple card informations, return described multiple discount project to this accepting terminal.
A kind of payment mechanism based on HCE is disclosed, comprise: first module, user's unique identification is received from accepting terminal, second unit, obtain according to this user's unique identification the card information bound with this user from the user rs credentials being stored in high in the clouds, Unit the 3rd, obtains discount project based on this card information, Unit the 4th, returns the payment after discount to this accepting terminal.
Alternatively, described Unit the 3rd, according to this card information and payment determination discount information.
Alternatively, described user's unique identification multiple cards corresponding, wherein, described Unit the 3rd, obtains maximum-discount project based on these multiple card informations, and described Unit the 4th, returns the payment after maximum-discount to this accepting terminal.
Alternatively, described user's unique identification multiple cards corresponding, wherein, described Unit the 3rd, obtains multiple discount project based on these multiple card informations, and described Unit the 4th returns described multiple discount project to this accepting terminal.
Advantage of the present invention is that user does not need worry to forget the activities such as various sales promotion, discount, even if hold multiple bank cards, the bank card of corresponding most favorable discount project can be automatically selected.And the snap gauge based on HCE intends the modes of payments, does not need user to carry with bank card and just can pay.Embodiments of the invention improve user and are carrying out the payment efficiency in transaction, and the payment simultaneously too increasing user is experienced.
Also will understand further feature and the advantage of embodiments of the invention when reading following description by reference to the accompanying drawings, wherein accompanying drawing shows the principle of embodiments of the invention by means of example.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of the payment scheme based on HCE according to the embodiment of the present invention.
Fig. 2 is the schematic diagram of the method for payment based on HCE according to the embodiment of the present invention.
Fig. 3 is the schematic diagram of the payment mechanism based on HCE according to the embodiment of the present invention.
Embodiment
Hereinafter, principle of the present invention will be described in conjunction with the embodiments.Should be understood that, the embodiment provided just is understood better in order to those skilled in the art and is put into practice the present invention, instead of limits the scope of the invention.Such as, comprise the restriction that many concrete implementation details should not be interpreted as maybe may being required scope of invention the scope protected in this instructions, but the description specific to embodiment should be regarded as.Such as, can be combined in single embodiment in the feature of the context-descriptive of each embodiment and implement.The spy described in the context of single embodiment can implement in multiple embodiment.
Fig. 1 is the schematic diagram of the payment scheme based on HCE according to the embodiment of the present invention.In this payment scheme based on HCE, the payment application in intelligent terminal 10 can simulate payment IC-card, and is directly communicated with the NFC card reader in accepting terminal 20 by the NFC controller be arranged in intelligent terminal 10.And the user rs credentials such as the accounts information of user and payment cipher and other sensitive information can be stored remotely beyond the clouds 40, complete SE function by the server in high in the clouds 40.
When using the intelligent terminal 10 being provided with payment application to pay, the NFC card reader of accepting terminal 30 obtains user's unique identification from intelligent terminal 10.This user's unique identification is sent to backstage transaction system 30 by accepting terminal 30 again.Backstage transaction system 30 obtains according to this user's unique identification the card information bound with this user from the user rs credentials being stored in high in the clouds.The discount information configuration that backstage transaction system 30 can be safeguarded according to it and card information obtain discount project.It is preferential that discount project indicating user can be enjoyed in this payment process.Finally, backstage transaction system 30 returns the payment after discount to this accepting terminal 20.Accepting terminal 20 carries out subsequent transaction operation according to the payment after this discount.After Transaction Success, accepting terminal can point out discount project to user.Thus, transaction system can provide the operation of automatic discount, and user does not need recall or check the discount can enjoyed under current payment scene before paying, and does not need to be concerned about or to intervene the affairs relevant to discount.
In one embodiment, backstage transaction system can according to this card information and payment determination discount information.Such as, when using specific bank card consumption specified amount, discount granted.
User, when carrying out bankcard consumption, may reach multiple qualified preferential sales promotion.In one embodiment, described user's unique identification multiple cards corresponding, wherein, obtain maximum-discount project based on these multiple card informations, return the payment after maximum-discount to this accepting terminal.In another case, described user's unique identification multiple cards corresponding, wherein, obtain multiple discount project based on these multiple card informations, return described multiple discount project to this accepting terminal.
Fig. 2 is the schematic diagram of the method for payment based on HCE according to the embodiment of the present invention.The method roughly can comprise following four steps, and can be performed in backstage transaction system.
Step 201: receive user's unique identification from accepting terminal.This user's unique identification can determine user identity uniquely, and can with one or more bank card binding.
Step 202: obtain the card information bound with this user from the user rs credentials being stored in high in the clouds according to this user's unique identification.
Step 203: obtain discount project based on this card information.Or, according to this card information and payment determination discount information.
Step 204: return the payment after discount to this accepting terminal.Maximum-discount project can be obtained based on these multiple card informations, return the payment after maximum-discount to this accepting terminal.Or multiple discount project can also be obtained based on these multiple card informations, return described multiple discount project to this accepting terminal.User, after knowing the plurality of discount project, can select the discount project needing to use.
The instantiation of the process of exchange using method of payment of the present invention is below described.
Step 301: user completes the binding of multiple bank card information and application program of mobile phone by application program of mobile phone, and obtain user's unique identification;
Step 302: when paying beginning, cashier inputs dealing money in POS terminal, mobile phone is positioned in POS terminal by prompting user, and POS terminal obtains user's unique identification from mobile phone subsequently, and it will be delivered to backstage transaction system in a secured manner;
Step 303: backstage transaction system obtains the card information of user's binding to high in the clouds according to user's unique identification, is configured by the discount information self safeguarded with backstage transaction system and compares, and carry out preferential coupling in conjunction with this dealing money;
Step 304: the payment after the card of coupling discount information and discount is returned POS terminal by backstage transaction system;
Step 305:POS terminal is by the payment after display display discount, and whether cashier can point out user to be ready to participate in preferential activity;
Step 306: after user confirms to participate in preferential activity, POS terminal sends transaction request to backstage transaction system;
Step 307: platform transaction system carries out final Trading Authorization.
Especially, above-mentioned steps 304,305,306 can be omitted, that is, automatically complete the coupling of discount, and completes optimal selection, without the need to user intervention in conjunction with this dealing money of user.
Fig. 2 and above-mentioned steps 301 to 307 can be regarded as method step and/or be regarded as the operation caused due to moving calculation machine program code and/or the logic circuit component being regarded as being configured to the multiple couplings implementing correlation function.Described in the drawings by specific order although operate, this should not be understood to require according to shown particular order or by sequentially performing these operations successively, or requires that all illustrative operations are performed, to do the trick.In some cases, multi-task parallel process may be favourable.
Fig. 3 is the schematic diagram of the payment mechanism based on HCE according to the embodiment of the present invention.Based on the payment mechanism of HCE, comprise: first module, user's unique identification is received from accepting terminal, second unit, obtain according to this user's unique identification the card information bound with this user from the user rs credentials being stored in high in the clouds, Unit the 3rd, obtains discount project based on this card information, Unit the 4th, returns the payment after discount to this accepting terminal.Wherein, described Unit the 3rd, can according to this card information and payment determination discount information.
In one embodiment, described user's unique identification multiple cards corresponding, wherein, described Unit the 3rd, obtains maximum-discount project based on these multiple card informations, and described Unit the 4th, returns the payment after maximum-discount to this accepting terminal.
In one embodiment, described user's unique identification multiple cards corresponding, wherein, described Unit the 3rd, obtains multiple discount project based on these multiple card informations, and described Unit the 4th returns described multiple discount project to this accepting terminal.
Be understandable that, each functional element module described can be configured in backstage transaction system.According to concrete performance, can also be configured in the miscellaneous part of transaction system.
Exemplary embodiment can be implemented in hardware, software, or a combination thereof.Such as, some aspect of the present invention can be implemented within hardware, and other side then can be implemented in software.Although the aspect of exemplary embodiment of the present invention can be shown and described as block diagram, process flow diagram, be well understood that, these devices described herein or method can be implemented as functional module in as the system of limiting examples.In addition, said apparatus should not be understood to require to carry out this separation in all of the embodiments illustrated, and should be understood to that described program assembly and system usually can be integrated in single software product or be packaged into multiple software product.
Those skilled in the relevant art, when reading aforementioned specification by reference to the accompanying drawings, can become obvious to the various amendment of foregoing example embodiment of the present invention and distortion for those skilled in the relevant art.Therefore, embodiments of the invention are not limited to disclosed specific embodiment, and variation and other embodiment are intended to contain within the scope of the appended claims.
Claims (8)
1. based on a method of payment of HCE, it is characterized in that, comprising:
User's unique identification is received from accepting terminal,
The card information bound with this user is obtained from the user rs credentials being stored in high in the clouds according to this user's unique identification,
Discount project is obtained based on this card information,
The payment after discount is returned to this accepting terminal.
2. the method for claim 1, is characterized in that,
According to this card information and payment determination discount information.
3. the method for claim 1, is characterized in that,
Described user's unique identification multiple cards corresponding, wherein,
Maximum-discount project is obtained based on these multiple card informations,
The payment after maximum-discount is returned to this accepting terminal.
4. the method for claim 1, is characterized in that,
Described user's unique identification multiple cards corresponding, wherein,
Multiple discount project is obtained based on these multiple card informations,
Described multiple discount project is returned to this accepting terminal.
5. based on a payment mechanism of HCE, it is characterized in that, comprising:
First module, receives user's unique identification from accepting terminal,
Second unit, obtains according to this user's unique identification the card information bound with this user from the user rs credentials being stored in high in the clouds,
Unit the 3rd, obtains discount project based on this card information,
Unit the 4th, returns the payment after discount to this accepting terminal.
6. device as claimed in claim 5, is characterized in that,
Described Unit the 3rd, according to this card information and payment determination discount information.
7. device as claimed in claim 5, is characterized in that,
Described user's unique identification multiple cards corresponding, wherein,
Described Unit the 3rd, obtains maximum-discount project based on these multiple card informations,
Described Unit the 4th, returns the payment after maximum-discount to this accepting terminal.
8. device as claimed in claim 5, is characterized in that,
Described user's unique identification multiple cards corresponding, wherein,
Described Unit the 3rd, obtains multiple discount project based on these multiple card informations,
Described Unit the 4th, returns described multiple discount project to this accepting terminal.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510927529.2A CN105512882A (en) | 2015-12-14 | 2015-12-14 | HCE-based payment method and apparatus |
| PCT/CN2016/109247 WO2017101740A1 (en) | 2015-12-14 | 2016-12-09 | Hce-based payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510927529.2A CN105512882A (en) | 2015-12-14 | 2015-12-14 | HCE-based payment method and apparatus |
Publications (1)
| Publication Number | Publication Date |
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| CN105512882A true CN105512882A (en) | 2016-04-20 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510927529.2A Pending CN105512882A (en) | 2015-12-14 | 2015-12-14 | HCE-based payment method and apparatus |
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| Country | Link |
|---|---|
| CN (1) | CN105512882A (en) |
| WO (1) | WO2017101740A1 (en) |
Cited By (3)
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| CN105847292A (en) * | 2016-05-18 | 2016-08-10 | 江西银行股份有限公司 | NFC-HCE cloud authentication method , device and system |
| WO2017101740A1 (en) * | 2015-12-14 | 2017-06-22 | 中国银联股份有限公司 | Hce-based payment method and device |
| CN108665269A (en) * | 2018-05-17 | 2018-10-16 | 深圳市微付充科技有限公司 | A kind of method and device being traded using mobile device |
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| CN108665269A (en) * | 2018-05-17 | 2018-10-16 | 深圳市微付充科技有限公司 | A kind of method and device being traded using mobile device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017101740A1 (en) | 2017-06-22 |
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Application publication date: 20160420 |