NFC PAYMENT METHOD AND TERMINAL

• US 20200134601A1
• Filed: 06/30/2017
• Published: 04/30/2020
• Est. Priority Date: 06/30/2017
• Status: Active Grant

• Current Assignee: Huawei Technologies Co., Ltd. (Huawei Investment & Holding Co., Ltd.)
• Original Assignee: Huawei Technologies Co., Ltd. (Huawei Investment & Holding Co., Ltd.)
• Inventors: DING, Jianxin, ZHAO, Xiaona, CHANG, Xinmiao, MEI, Jingqing
• Granted Patent: US 11,410,156 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

An NFC payment method includes: displaying, by a first terminal, a third-party payment application based on a preset trigger condition; and interacting with a second terminal by using the third-party payment application, to complete NFC payment.

Claims

1-38. -38. (canceled)

39. A method, comprising:

displaying, by a first terminal, a third-party payment application based on a preset trigger condition;

receiving, by the first terminal through a Near Field Communication (NFC) connection established between the first terminal and a second terminal, a request message sent by the second terminal, wherein the request message is used to obtain payment information of the third-party payment application; and

sending, by the first terminal, a preset-format response message to the second terminal based on the request message through the NFC connection, wherein the preset-format response message carries the payment information of the third-party payment application.

40. The method according to claim 39, wherein the displaying, by a first terminal, a third-party payment application based on a preset trigger condition comprises:

displaying, by the first terminal, the third-party payment application when the first terminal detects a radio frequency field of the second terminal.

41. The method according to claim 39, wherein the displaying, by a first terminal, a third-party payment application based on a preset trigger condition comprises:

receiving, by the first terminal, a user operation, wherein the user operation comprises one of pressing a preset physical button, entering preset fingerprint information, entering a voice instruction, or entering a preset gesture; and

displaying, by the first terminal, the third-party payment application based on the user operation.

42. The method according to claim 39, wherein when the displaying, by a first terminal, a third-party payment application, the method further comprises:

displaying, by the first terminal, a card application supporting NFC payment.

43. The method according to claim 39, wherein before the sending, by the first terminal, a preset-format response message to the second terminal, the method further comprises:

determining, by the first terminal, that user identity authentication succeeds.

44. The method according to claim 39, wherein after the sending, by the first terminal, a preset-format response message to the second terminal, the method further comprises:

outputting, by the first terminal, an indication that NFC payment has been completed.

45. The method according to claim 39, wherein before the receiving, by the first terminal through an NFC connection established between the first terminal and the second terminal, a request message sent by the second terminal, the method further comprises:

receiving, by the first terminal through the NFC connection established between the first terminal and the second terminal, an application selection instruction sent by the second terminal, wherein the application selection instruction carries an application identification (AID) of the third-party payment application;

determining, by the first terminal, a first service based on the AID of the third-party payment application, wherein the first service is a service corresponding to the third-party payment application.

46. The method according to claim 45, wherein the sending, by the first terminal, a preset-format response message to the second terminal based on the request message through the NFC connection comprises:

parsing, by the first terminal, the request message based on the first service;

encapsulating the payment information of the third-party payment application into the preset-format response message; and

sending, by the first terminal, the preset-format response message to the second terminal through the NFC connection.

47. The method according to claim 45, wherein the first terminal stores a correspondence between the AID of the third-party payment application and a service type;

and

the determining, by the first terminal, a first service based on the AID of the third-party payment application comprises;

determining, by the first terminal, the first service based on the correspondence.

48. The method according to claim 47, wherein the first terminal stores registration information of the third-party payment application, wherein the registration information comprises the AID of the third-party payment application and representation information of the service type, and the registration information is used to determine the correspondence between the AID of the third-party payment application and the service type.

49. The method according to claim 39, wherein the receiving, by the first terminal through an NFC connection established between the first terminal and the second terminal, a request message sent by the second terminal comprises:

receiving, by the first terminal through the NFC connection established between the first terminal and the second terminal, a request message for NFC tag reading sent by the second terminal; and

wherein the sending, by the first terminal, a preset-format response message to the second terminal based on the request message through the NFC connection comprises;

obtaining, by the first terminal, the preset-format response message that is stored in a pre-generated NFC tag, and sending the preset-format response message to the second terminal through the NFC connection.

50. The method according to claim 49, wherein the method further comprises:

generating, by the first terminal, the preset-format response message by using the payment information of the third-party payment application; and

encapsulating the preset-format response message into the NFC tag.

51. An electronic device, comprising:

a display screen;

a non-transitory memory comprising instructions; and

a processor coupled to the non-transitory memory, the instructions being executed by the processor to cause the electronic device to;

display a third-party payment application based on a preset trigger condition;

receive a request message sent by another electronic device, through a Near Field Communication (NFC) connection established between the electronic device and the another electronic device, wherein the request message is used to obtain payment information of the third-party payment application; and

send a preset-format response message to the another electronic device based on the request message through the NFC connection, wherein the preset-format response message carries the payment information of the third-party payment application.

52. The electronic device according to claim 51, the instructions further cause the electronic device to:

receive a user operation, wherein the user operation comprises pressing a preset physical button, entering preset fingerprint information, entering a voice instruction, or entering a preset gesture; and

display the third-party payment application based on the user operation.

53. The electronic device according to claim 51, the instructions further cause the electronic device to:

receive an application selection instruction sent by the another electronic device, through the NFC connection, wherein the application selection instruction carries an application identification (AID) of the third-party payment application;

determine a first service based on the AID of the third-party payment application, wherein the first service is a service corresponding to the third-party payment application.

54. The electronic device according to claim 53, the instructions further cause the electronic device to:

parse the request message based on the first service;

encapsulate the payment information of the third-party payment application into the preset-format response message; and

send the preset-format response message to the another electronic device through the NFC connection.

55. The electronic device according to claim 53, wherein the electronic device stores a correspondence between the AID of the third-party payment application and a service type, and the instructions further cause the electronic device to:

determine the first service based on the correspondence.

56. The electronic device according to claim 55, wherein the electronic device stores registration information of the third-party payment application, wherein the registration information comprises the AID of the third-party payment application and representation information of the service type, and the registration information is used to determine the correspondence between the AID of the third-party payment application and the service type.

57. The electronic device according to claim 51, the instructions further cause the electronic device to:

receive a request message for NFC tag reading sent by the another electronic device, through the NFC connection; and

obtain the preset-format response message that is stored in a pre-generated NFC tag; and

send the preset-format response message to the another electronic device through the NFC connection.

58. The electronic device according to claim 57, the instructions further cause the electronic device to:

generate the preset-format response message by using the payment information of the third-party payment application; and

encapsulate the preset-format response message into the NFC tag.