CN105916135A - Method for carrying out NFC payment in virtual card terminal and virtual card terminal - Google Patents
Method for carrying out NFC payment in virtual card terminal and virtual card terminal Download PDFInfo
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- CN105916135A CN105916135A CN201610378997.3A CN201610378997A CN105916135A CN 105916135 A CN105916135 A CN 105916135A CN 201610378997 A CN201610378997 A CN 201610378997A CN 105916135 A CN105916135 A CN 105916135A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
- H04W8/20—Transfer of user or subscriber data
- H04W8/205—Transfer to or from user equipment or user record carrier
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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Abstract
The invention discloses a method for carrying out NFC payment in a virtual card terminal and the virtual card terminal and provides a solution for ensuring the safety of NFC payment in the virtual card terminal and avoiding the access of key data of the virtual card terminal by non-authorized NFC applications. The method comprises the steps that the virtual card terminal monitors an electronic account selection event through a close range wireless communication NFC service function, wherein the electronic account selection event carries an identifier of an electronic account; the virtual card terminal determined the NFC application corresponding to the identifier of the electronic account, obtains the signature of the determined NFC application and determine whether the NFC application has the authority for accessing the data of the virtual card according to the signature of the NFC application; and the virtual card terminal starts the NFC application and completes payment through the NFC application.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a method for NFC payment by a virtual card terminal and the virtual card terminal.
Background
In the field of communication technology, a mobile communication network stores private information of a Subscriber through a User Identity Module (UIM)/Subscriber Identity Module (SIM) card, and the UIM/SIM card is inserted into a mobile terminal to complete mobile communication network access and authentication, thereby normally using various functions of the Subscriber. As mobile terminals are miniaturized, the physical size of UIM/SIM card slots has become a bottleneck limiting the miniaturization of the terminals, and physical card virtualization technology has been developed in order to further reduce the physical size of mobile terminal devices.
The entity card virtualization technology is to store data to be stored in an entity card into a mobile terminal, and realize the function of the entity card in the mobile terminal through the function of the virtual entity card of a software program or through an embedded entity card chip. In any form of virtual card, data in the physical card needs to be built into the mobile terminal to ensure that the mobile terminal is normally used in the mobile communication network, and the data that needs to be built into the mobile terminal includes network parameter information and user private information (for example, an authentication key used for authenticating a user to verify the validity of the user).
Near Field Communication (NFC) technology is compatible with existing contactless smart card technology and has become a formal standard supported by more and more terminal manufacturers. Again, NFC is a close range connection protocol that provides easy, secure, rapid, and automatic communication between various devices. At present, more and more applications supporting electronic payment by NFC in mobile terminals are provided.
How to ensure the security of the NFC payment in the virtual card terminal to avoid the key data of the virtual card from being accessed by unauthorized NFC applications is a problem to be solved.
Disclosure of Invention
The embodiment of the invention provides a method for carrying out NFC payment by a virtual card terminal and the virtual card terminal, which are used for providing a solution for ensuring the security of NFC payment in the virtual card terminal so as to prevent key data of a virtual card from being accessed by unauthorized NFC application.
The embodiment of the invention provides the following specific technical scheme:
in a first aspect, an embodiment of the present invention provides a method for performing NFC payment by using a virtual card terminal, including:
the virtual card terminal monitors an electronic account selection event through a Near Field Communication (NFC) service function, wherein the electronic account selection event carries an electronic account identifier;
the virtual card terminal determines an NFC application corresponding to the identification of the electronic account, acquires the signature of the determined NFC application, and determines that the NFC application has the authority of accessing virtual card data according to the signature of the NFC application;
and the virtual card terminal starts the NFC application and finishes payment through the NFC application.
In a possible embodiment, the virtual card terminal starting the NFC application and completing payment through the NFC application includes:
the virtual card terminal starts the NFC application and displays a display interface of the NFC application;
and after the virtual card terminal acquires the consumption amount through the display interface, deducting corresponding expenses from the electronic account according to the consumption amount.
In a possible embodiment, the determining, by the virtual card terminal, an NFC application corresponding to the identifier of the electronic account, and acquiring the signature of the determined NFC application includes:
the virtual card terminal determines at least one NFC application corresponding to the identification of the electronic account and respectively acquires respective signatures of the at least one determined NFC application; or,
and the virtual card terminal determines one NFC application in at least one NFC application corresponding to the identification of the electronic account and acquires the signature of the determined one NFC application.
In a possible embodiment, one of the at least one NFC application is pre-specified.
In a possible embodiment, the determining, by the virtual card terminal according to the signature of the NFC application, that the NFC application has the right to access virtual card data includes:
and if the virtual card terminal determines that the signature of the NFC application is a preset signature, determining that the NFC application has the authority of accessing the virtual card data.
In a second aspect, an embodiment of the present invention provides a virtual card terminal, including:
the NFC service module is used for monitoring an electronic account selection event through a NFC service function, and the electronic account selection event carries an electronic account identifier;
the smart card service module is used for determining the NFC application corresponding to the identifier of the electronic account carried in the electronic account selection event monitored by the NFC service module, acquiring the signature of the determined NFC application, and determining that the NFC application has the authority of accessing virtual card data according to the signature of the NFC application;
the NFC service module is further configured to: and after the smart card service module determines that the NFC application has the authority of accessing virtual card data, starting the NFC application and completing payment through the NFC application.
In a possible embodiment, the NFC service module is specifically configured to:
starting the NFC application and displaying a display interface of the NFC application;
and after the consumption amount is obtained through the display interface, corresponding expenses are deducted from the electronic account according to the consumption amount.
In a possible implementation, the smart card service module is specifically configured to:
determining at least one NFC application corresponding to the identification of the electronic account, and respectively acquiring respective signatures of the at least one determined NFC application; or,
and determining one NFC application in at least one NFC application corresponding to the identification of the electronic account, and acquiring the signature of the determined one NFC application.
In a possible embodiment, one of the at least one NFC application is pre-specified.
In a possible implementation, the smart card service module is specifically configured to:
and if the signature of the NFC application is determined to be a preset signature, determining that the NFC application has the authority of accessing the virtual card data.
Based on the technical scheme, in the embodiment of the invention, the virtual card terminal monitors the electronic account selection event through the NFC service, determines the NFC application corresponding to the electronic identifier carried in the electronic account selection event, acquires the signature of the determined NFC application, and starts the NFC application and completes payment through the NFC application after determining that the NFC application has the authority to access the virtual card data according to the signature of the determined NFC application, so that the safety of NFC payment in the virtual card terminal is ensured, and the key data of the virtual card terminal can be effectively prevented from being accessed by unauthorized NFC applications.
Drawings
Fig. 1 is a schematic flowchart of a detailed method for performing NFC payment by a virtual card terminal in an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating a process of interaction between a virtual card terminal and a POS according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a virtual card terminal in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order to ensure the security of NFC payment in a virtual card terminal and provide a solution for preventing key data of a virtual card from being accessed by unauthorized NFC applications, embodiments of the present invention provide a method for performing NFC payment in a virtual card terminal.
It should be noted that, in the embodiment of the present invention, the virtual card terminal may be any one of terminals supporting a virtual card, such as a mobile phone, a tablet, and a wearable device.
Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings.
In the embodiment of the present invention, as shown in fig. 1, a detailed flow of the method for performing NFC payment by a virtual card terminal is as follows:
step 101: the virtual card terminal monitors an electronic account selection event through an NFC service function, wherein the electronic account selection event carries an electronic account identifier.
Specifically, the virtual card terminal starts an NFC service function, and near another terminal, an electronic account selection (AID _ Selected) event of the other terminal is monitored through the NFC service function.
For example, the virtual card terminal starts an NFC service function, is close to a point of sale (POS), monitors an AID _ Selected event broadcasted by the POS through the NFC service function, and acquires an identifier (abbreviated as AID) of an electronic account carried in the AID _ Selected event.
Optionally, the virtual card terminal is close to the other terminal in a card-simulated manner through the NFC service function. The card simulation mode is one of three working modes of the NFC service function. The three operating modes of the NFC service function are: card emulation, point-to-point, and Reader (Reader) approaches.
Step 102: the virtual card terminal determines the NFC application corresponding to the identification of the electronic account, acquires the signature of the determined NFC application, and determines that the NFC application has the authority of accessing the virtual card data according to the signature of the NFC application.
Specifically, if the virtual card terminal determines that the signature of the NFC application is the preset signature, it is determined that the NFC application has the right to access the virtual card data.
The preset signature may be pre-configured before the virtual card terminal leaves a factory, or may be pre-configured in the virtual card terminal by a user.
In the embodiment of the present invention, the virtual card terminal determines the NFC application corresponding to the identifier of the electronic account, and acquires the signature of the determined NFC application, which includes but is not limited to the following two specific implementation manners:
in a first specific embodiment, the identification of the electronic account corresponds to at least one NFC application.
In this specific embodiment, the virtual card terminal determines at least one NFC application corresponding to the identifier of the electronic account, and obtains respective signatures of the at least one determined NFC application, respectively.
In a second specific embodiment, the virtual card terminal determines one NFC application of at least one NFC application corresponding to the identifier of the electronic account, and acquires a signature of the determined one NFC application.
The NFC application in the at least one NFC application corresponding to the electronic account may be an NFC application randomly selected from the at least one NFC application corresponding to the electronic account, or may be a pre-designated NFC application in the at least one NFC application corresponding to the electronic account, or may be an NFC application with the highest priority in the at least one NFC application corresponding to the electronic account.
The virtual card data refers to virtual SIM card or UIM card data.
Specifically, the virtual card data includes communication-related information of the smart card, for example, information of a digital mobile phone client, an encrypted key, and contents of a user's phonebook and the like. In addition, the virtual card data may include data necessary for accessing the network, such as a User Identity Module (UIM) identifier, an International Mobile Subscriber identity Number (IMSI), and the like.
Step 103: the virtual card terminal starts the NFC application and completes payment through the NFC application.
In the implementation of the invention, after the virtual card terminal determines that the NFC application corresponding to the identification of the electronic account has the authority of accessing the virtual card data, the NFC application is started, and the display interface of the NFC application is displayed. And after the virtual card terminal acquires the consumption amount through the display interface, deducting corresponding expenses from the electronic account according to the consumption amount.
Specifically, the virtual card terminal acquires information such as a consumption amount and a password of the electronic account input by the user through a display interface of the NFC application, and deducts a corresponding fee from the electronic account according to the consumption amount after acquiring an instruction for confirming payment input by the user through the display interface of the NFC application.
Corresponding to the step 102, the virtual card terminal determines the NFC application corresponding to the identifier of the electronic account, and obtains the first specific implementation manner of the signature of the determined NFC application, where the specific process of the virtual card terminal starting the NFC application and completing payment through the NFC application is as follows:
the virtual card terminal determines at least one NFC application corresponding to the identifier of the electronic account, and after obtaining the respective signature of the determined at least one NFC application, if it is determined that multiple NFC applications in the at least one NFC application have permission to access the virtual card data according to the respective signature of each NFC application in the at least one NFC application, any one of the following multiple embodiments may be employed:
a, the virtual card terminal sequentially starts the plurality of NFC applications with the authority of accessing the virtual card data, and completes payment through one of the plurality of sequentially started NFC applications;
b, the virtual card terminal starts any one of the NFC applications with the authority of accessing the virtual card data, and payment is completed through the started application;
c, the virtual card terminal starts a pre-designated NFC application in the NFC applications with the authority of accessing the virtual card data, and payment is completed through the started NFC application;
and d, the virtual card terminal starts the NFC application with the highest priority according to the priority sequence of the NFC applications with the permission of accessing the virtual card data, and payment is completed through the started NFC application.
Corresponding to the step 102, the virtual card terminal determines the NFC application corresponding to the identifier of the electronic account, and obtains the second specific implementation manner of the signature of the determined NFC application, where the specific process of the virtual card terminal starting the NFC application and completing payment through the NFC application is as follows: and the virtual card terminal directly starts the determined NFC application, and payment is finished through the NFC application.
The following illustrates a process of NFC payment by a virtual card terminal according to a specific embodiment.
In this embodiment, as shown in fig. 2, an internal structure diagram of a virtual card terminal is shown, it should be noted that only the main functional modules involved in the NFC payment performed by the virtual card terminal are given here, but not all the functional modules, and it should be apparent that other functional modules that are not given but are obviously essential for the virtual card terminal should also be included, for example, a storage module in the virtual card terminal, and the like.
The virtual card terminal comprises an NFC application module, an NFC Service (NFC Service) module, a Smart card Service (Smart card Service) module and a virtual SIM card module. The NFC service module is used for realizing an NFC function; the NFC application module is an application for NFC payment; the intelligent card service module is used for information interaction between the virtual SIM card module and other modules; the virtual SIM card module is used for virtualizing SIM card functions and calling virtual SIM card data.
In this specific embodiment, the NFC service module starts an NFC service function, approaches the POS in a card simulation manner, and monitors an AID _ Selected event broadcasted by the POS.
The smart card service module acquires an AID _ Selected event monitored by the NFC service module and acquires an AID carried in the AID _ Selected event. The smart card service module acquires the identification of the NFC application corresponding to the AID in the AID _ Selected event and acquires the signature of the NFC application corresponding to the AID in the AID _ Selected event.
And the smart card service module judges whether the NFC application corresponding to the AID in the AID _ Selected event has the authority of accessing the virtual SIM card data or not according to the signature of the NFC application corresponding to the AID in the AID _ Selected event.
And the smart card service module transfers the determined identification of the NFC application with the authority of accessing the virtual SIM card data to the NFC service module by calling a delivererSerIntent interface function of the NFC service module.
The NFC service module sets a transaction EVENT (EVENT _ transaction) in the process of processing the deliverSerIntent signaling, broadcasts the transaction EVENT to the NFC application with the authority of accessing the virtual SIM card data, and the transaction EVENT carries the identification of the NFC application with the authority of accessing the virtual SIM card data.
Specifically, if there are at least two NFC applications having the right to access the virtual SIM card data, the NFC service module sets a transaction event for each NFC application having the right to access the virtual SIM card data, where the transaction event carries an identifier of the NFC application having the right to access the virtual SIM card data, and broadcasts each generated transaction event in sequence.
And the NFC application with the authority of accessing the virtual SIM card data monitors the transaction event carrying the identification of the NFC application, and then starts a display interface. The NFC application acquires the consumption amount input by the user through the display interface, and deducts the fee according to the consumption amount after determining that the user clicks the confirmation key.
For example, when the wearable device storing the virtual SIM card data performs NFC payment, the NFC service module first notifies an application related to the NFC payment to an application programming Interface (oma API) service through an NFC card simulation mode through a broadcast event, the oma API service authenticates the related application through the smart card service module, determines whether the related NFC application has an authority to read key data of the virtual SIM card, and allows the NFC application to perform payment if the related NFC application has the authority, or does not allow the NFC application to perform payment if the related NFC application has the authority.
Based on the same inventive concept, the embodiment of the present invention further provides a virtual card terminal, and the specific implementation of the virtual card terminal may refer to the description of the method embodiment, and repeated parts are not described again, as shown in fig. 3, the virtual card terminal mainly includes:
the NFC service module 301 is configured to monitor an electronic account selection event through a Near Field Communication (NFC) service function, where the electronic account selection event carries an identifier of an electronic account;
the smart card service module 302 is configured to determine an NFC application corresponding to an identifier of the electronic account, which is carried in the electronic account selection event monitored by the NFC service module, obtain a signature of the determined NFC application, and determine that the NFC application has an authority to access virtual card data according to the signature of the NFC application;
the NFC service module 301 is further configured to: and after the smart card service module determines that the NFC application has the authority of accessing virtual card data, starting the NFC application and completing payment through the NFC application.
In a possible embodiment, the NFC service module is specifically configured to:
starting the NFC application and displaying a display interface of the NFC application;
and after the consumption amount is obtained through the display interface, corresponding expenses are deducted from the electronic account according to the consumption amount.
In a possible implementation, the smart card service module is specifically configured to:
determining at least one NFC application corresponding to the identification of the electronic account, and respectively acquiring respective signatures of the at least one determined NFC application; or,
and determining one NFC application in at least one NFC application corresponding to the identification of the electronic account, and acquiring the signature of the determined one NFC application.
In a possible embodiment, one of the at least one NFC application is pre-specified.
In a possible implementation, the smart card service module is specifically configured to:
and if the signature of the NFC application is determined to be a preset signature, determining that the NFC application has the authority of accessing the virtual card data.
Based on the technical scheme, in the embodiment of the invention, the virtual card terminal detects the electronic account selection event through the NFC service, determines the NFC application corresponding to the electronic identifier carried in the electronic account selection event, acquires the signature of the determined NFC application, and starts the NFC application and completes payment through the NFC application after determining that the NFC application has the authority of accessing the virtual card data according to the signature of the determined NFC application, so that the safety of NFC payment in the virtual card terminal is ensured, and the key data of the virtual card terminal can be effectively prevented from being accessed by unauthorized NFC applications.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A method for NFC payment by a virtual card terminal is characterized by comprising the following steps:
the virtual card terminal monitors an electronic account selection event through a Near Field Communication (NFC) service function, wherein the electronic account selection event carries an electronic account identifier;
the virtual card terminal determines an NFC application corresponding to the identification of the electronic account, acquires the signature of the determined NFC application, and determines that the NFC application has the authority of accessing virtual card data according to the signature of the NFC application;
and the virtual card terminal starts the NFC application and finishes payment through the NFC application.
2. The method of claim 1, wherein the virtual card terminal launching the NFC application and completing payment through the NFC application comprises:
the virtual card terminal starts the NFC application and displays a display interface of the NFC application;
and after the virtual card terminal acquires the consumption amount through the display interface, deducting corresponding expenses from the electronic account according to the consumption amount.
3. The method of claim 1 or 2, wherein the virtual card terminal determines an NFC application corresponding to the identification of the electronic account, and acquires the signature of the determined NFC application, and the method comprises:
the virtual card terminal determines at least one NFC application corresponding to the identification of the electronic account and respectively acquires respective signatures of the at least one determined NFC application; or,
and the virtual card terminal determines one NFC application in at least one NFC application corresponding to the identification of the electronic account and acquires the signature of the determined one NFC application.
4. The method of claim 3, wherein one of the at least one NFC application is pre-designated.
5. The method of claim 3, wherein the virtual card terminal determining that the NFC application has permission to access virtual card data based on the signature of the NFC application comprises:
and if the virtual card terminal determines that the signature of the NFC application is a preset signature, determining that the NFC application has the authority of accessing the virtual card data.
6. A virtual card terminal, comprising:
the NFC service module is used for monitoring an electronic account selection event through a NFC service function, and the electronic account selection event carries an electronic account identifier;
the smart card service module is used for determining the NFC application corresponding to the identifier of the electronic account carried in the electronic account selection event monitored by the NFC service module, acquiring the signature of the determined NFC application, and determining that the NFC application has the authority of accessing virtual card data according to the signature of the NFC application;
the NFC service module is further configured to: and after the smart card service module determines that the NFC application has the authority of accessing virtual card data, starting the NFC application and completing payment through the NFC application.
7. The virtual card terminal of claim 6, wherein the NFC service module is specifically configured to:
starting the NFC application and displaying a display interface of the NFC application;
and after the consumption amount is obtained through the display interface, corresponding expenses are deducted from the electronic account according to the consumption amount.
8. The virtual card terminal of claim 6 or 7, wherein the smart card service module is specifically configured to:
determining at least one NFC application corresponding to the identification of the electronic account, and respectively acquiring respective signatures of the at least one determined NFC application; or,
and determining one NFC application in at least one NFC application corresponding to the identification of the electronic account, and acquiring the signature of the determined one NFC application.
9. The virtual card terminal of claim 8, wherein one of the at least one NFC application is pre-designated.
10. The virtual card terminal of claim 8, wherein the smart card service module is specifically configured to:
and if the signature of the NFC application is determined to be a preset signature, determining that the NFC application has the authority of accessing the virtual card data.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610378997.3A CN105916135A (en) | 2016-05-31 | 2016-05-31 | Method for carrying out NFC payment in virtual card terminal and virtual card terminal |
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| CN201610378997.3A CN105916135A (en) | 2016-05-31 | 2016-05-31 | Method for carrying out NFC payment in virtual card terminal and virtual card terminal |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109670832A (en) * | 2018-12-21 | 2019-04-23 | 西安长安通支付有限责任公司 | A kind of city one-card data processing method and system |
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