WO2017128182A1 - Procédé et terminal de paiement de communication en champ proche - Google Patents

Procédé et terminal de paiement de communication en champ proche Download PDF

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Publication number
WO2017128182A1
WO2017128182A1 PCT/CN2016/072527 CN2016072527W WO2017128182A1 WO 2017128182 A1 WO2017128182 A1 WO 2017128182A1 CN 2016072527 W CN2016072527 W CN 2016072527W WO 2017128182 A1 WO2017128182 A1 WO 2017128182A1
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WIPO (PCT)
Prior art keywords
payment
application
terminal
payment application
priority
Prior art date
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Ceased
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PCT/CN2016/072527
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English (en)
Chinese (zh)
Inventor
李国庆
常新苗
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Huawei Technologies Co Ltd
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Huawei Technologies Co Ltd
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Application filed by Huawei Technologies Co Ltd filed Critical Huawei Technologies Co Ltd
Priority to CN201680003886.2A priority Critical patent/CN107251069B/zh
Priority to PCT/CN2016/072527 priority patent/WO2017128182A1/fr
Publication of WO2017128182A1 publication Critical patent/WO2017128182A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit

Definitions

  • the embodiments of the present invention relate to the field of mobile payment, and in particular, to a near field communication payment method and a terminal.
  • near field communication (English name: Near Field Communication, abbreviation: NFC) payment is a trend of the times.
  • NFC Near Field Communication
  • the card application technology enables the payment application installed on the NFC terminal to communicate with the card reader or the sales terminal (English name: point of sale, abbreviation: POS) to complete the payment transaction, and the payment application can be a card application or Host card emulation (English full name: Host Card Emulation or Host-based Card Emulation, abbreviation: HCE) application.
  • Host card emulation English full name: Host Card Emulation or Host-based Card Emulation, abbreviation: HCE
  • the traditional card simulation technology is implemented by the security unit (English name: Secure Element, SE: N) in the NFC terminal.
  • SE Secure Element
  • the card application that communicates with the POS machine is installed and operated in the SE, in the NFC.
  • the terminal is close to the NFC card reader (ie, the receiving terminal in the contactless POS system)
  • the card application in the SE can interact with the NFC card reader through the NFC controller.
  • the HCE application software framework shown in Figure 2 opens up a new communication channel, enabling HCE applications running on the host CPU of the NFC terminal to interact with the NFC reader through the NFC controller.
  • Each HCE application includes multiple application identifiers (English full name: Application Identifier, AID).
  • AID Application Identifier
  • POS payment environment English name: Proximity Payment System Environment, PPSE
  • SELECT PPSE selection command
  • the POS machine can only identify the AID included in the HCE application, that is, only the bank card corresponding to the HCE application may be used for payment; when the user wishes to use the corresponding bank card of the other HCE application to pay,
  • the HCE application that you want to use can be manually switched to the default HCE application to complete the payment transaction, which is inconvenient for the user.
  • An object of the present invention is to provide a near field communication payment method and terminal, which are used to solve the prior art. Only the default HCE application can respond to the deficiencies of the PPSE selection instruction.
  • the first aspect provides an NFC payment method, where the method is applied to a first terminal that supports NFC, where the first terminal includes M payment applications, and M is greater than 1, the method includes: receiving, by the first terminal, the first The first terminal sends a response message for answering the first instruction to the second terminal, where the response message includes N application identifiers AID, and the N AIDs are all included in the M payment applications.
  • the AID, each payment application includes at least one AID, wherein the M payment applications include a host card emulation HCE application or the M payment applications include an HCE application and a card application.
  • some of the first terminals include only HCE applications, and some of the first terminals include HCE applications and card applications, wherein the HCE application can run in a trusted execution environment (English name: trusted execution environment, abbreviation: TEE) can also run in the rich execution environment (English full name: rich execution environment, abbreviation: REE), and the card application generally runs in the SE of the first terminal; in general, a card application in the SE has only one An AID, and an HCE application can have an AID or multiple AIDs.
  • the HCE application is an NFC interface and a card reader or POS machine that can run on the host CPU and can utilize the first terminal. Special applications for contactless transactions.
  • the HCE application is installed and running in the operating system of the first terminal (English name: Operating System, abbreviation: OS), for example: Android, windows 10 for mobile or blackberry, etc.
  • OS Operating System
  • the OS uses the application identifier (App ID) of the HCE application to perform it. Management, the APP ID may vary depending on the operating system.
  • An HCE application can simulate one or more card applications (Applets), each card application implements a business logic, each card application has a separate AID, not only the HCE application, the card application installed in the SE and the physical card Has an AID.
  • the HCE application needs to declare to the OS of the first terminal (ie, register in the NFC application framework) the AID of the card application that it can simulate.
  • the purpose of declaring the AID is to facilitate the NFC application framework in the OS to record the AID that each HCE application can process.
  • the NFC application framework forwards the received application protocol data unit (English protocol: application protocol data unit, abbreviation: APDU) to the HCE application.
  • APDU application protocol data unit
  • the first terminal before the first terminal sends a response message for answering the first instruction to the second terminal, acquires the N AIDs and the first information of the M payment applications; The first terminal configures the N AIDs into a queue according to the first information of the M payment applications, and the queue is used to generate the response message; the first terminal uses the queue to generate the response message.
  • the M terminals are installed on the first terminal, and the M is greater than 1.
  • the first terminal After the first terminal receives the first command sent by the second terminal, the first terminal acquires the N AIDs and the first information of the M payment applications, and The N AIDs are configured into a queue according to the first information of the M payment applications, and the queue is used to generate a response message responsive to the first instruction. Further, the first terminal sends a response message to the second terminal in response to the first instruction, where the response message includes N AIDs, where the N AIDs are all AIDs included in the M payment applications, and each payment application has at least An AID, the M payment applications include a host card emulation HCE application or the M payment applications include an HCE application and a card application.
  • the response message for answering the first instruction includes multiple HCE applications and the AID of the card application, and the second terminal can obtain multiple HCE applications and cards.
  • the AID of the application that is, providing the second terminal with multiple AIDs belonging to different HCE applications or multiple AIDs belonging to different HCE applications and different card applications to answer the first instruction, without manually modifying the default HCE application settings,
  • the second terminal is selected to select a specific AID response command, which reduces user operations and effectively improves the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, it may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first terminal before the first terminal acquires the N AIDs, the first terminal is configured according to at least one of a payment application whitelist, a payment application blacklist, and a first information of a payment application.
  • the M payment applications are determined in all payment applications on the terminal.
  • the first terminal determines, according to at least one of a payment application whitelist, a payment application blacklist, and a first information of a payment application, the M notifications from all payment applications on the first terminal.
  • the payment application includes: determining, by the payment application, all the payment applications in the whitelist of the payment application as the M payment applications; or determining, on the first terminal, other payment applications other than the payment application blacklist as The M payment application; or the first information of the payment application is the current running state of the payment application, and the current running state of the payment application includes the foreground running and the background running, all the payment of the foreground running and the background running
  • the application is determined to be the M payment application; or the first information of the payment application is an operating environment of the payment application, and the operating environment of the payment application includes the first operating environment and the second operating environment, and the first operating environment is And all in the second operating environment Determining, by the payment application, the M payment applications or determining all payment applications in the first operating environment as the M payment applications, wherein the
  • the first terminal determines the M payment applications from all the payment applications on the first terminal according to one or any combination of the payment application white list, the payment application blacklist, and the payment application first information.
  • the first terminal configures a PPSE route, where the PPSE route includes a near field communication NFC application framework.
  • the PPSE route includes a near field communication NFC application framework.
  • the first program is configured to respond to the first instruction by using the response message. It can be seen that by configuring the route in the NFC application framework, the first instruction is routed to the first program, thereby ensuring that the response message answers the PPSE selection instruction.
  • the first terminal configures a PPSE route, where the PPSE route includes a near field communication controller ( English full name: near field communication controller, abbreviation: NFCC) routing and routing in the NFC application framework.
  • NFCC near field communication controller
  • the first terminal configuring the PPSE route includes: when the NFCC route does not include the first routing entry, configuring the second routing entry in the NFCC route; or, when the NFCC route includes the third routing entry, Clearing the third routing entry in the NFCC route and configuring the second routing entry, where the first routing entry is a routing entry including a PPSE AID, the second routing entry is a PPSE AID, and the routing target is a host NFC execution environment.
  • the third routing item is a routing item containing a PPSE AID but the routing destination is not the host NFC execution environment; or, when the NFCC routing does not include the first
  • the fourth routing entry is configured in the NFCC route.
  • the NFCC route includes the third routing entry and does not include the fourth routing entry, the third routing entry is cleared and configured in the NFCC routing.
  • the fourth routing entry wherein the fourth routing entry is a routing entry for routing the AID selection instruction to the host NFC execution environment.
  • the above configuration of the NFCC routing process can be simplified to configure the protocol routing in the NFCC, and route all ISO-DEP protocol data to the host CPU (ie, the host NFC execution environment, DH NFCEE). Therefore, the AID selection instruction (where the AID selection instruction includes the PPSE selection instruction) is routed to the host NFC execution environment, that is, the host CPU; when the first terminal includes the HCE application and the card application, the above-mentioned setting of the NFCC route may also be adopted.
  • the second routing entry or the fourth routing entry is configured in the NFCC route and the third routing entry is cleared.
  • a correspondence between the first program and the PPSE AID is configured, and the first program is configured to respond to the PPSE selection instruction by using the response message.
  • the second routing entry or the fourth routing entry is configured in the NFCC route, that is, the second routing entry is a routing entry that includes the PPSE AID and the routing destination is the host NFC execution environment, and the fourth routing entry is used to The AID selection command is routed to the routing entry of the host NFC operating environment.
  • the correspondence between the first program (ie, the PPSE configuration program) and the PPSE AID is configured, that is, the configuration PPSE AID corresponds to the first A program that uses the queue to generate a response message responsive to the PPSE selection instruction.
  • a unique routing information including the PPSE AID is reserved, and the PPSE AID information declared by all other programs is blocked, and the PPSE selection instruction is only routed to the PPSE configuration program on the first terminal, and the PPSE configuration program uses the PPSE configuration program.
  • the queue generates a program that responds to the response message of the PPSE selection instruction.
  • the routing format in the NFC application framework can be provided by the OS or by the HCE application framework.
  • the queue is an ordered data structure for storing the AID of the payment application.
  • the queue has a header and a tail. When the queue is traversed, the node at the head of the queue is obtained first, and then the node at the end of the queue is obtained.
  • a queue node can be inserted at the end of the queue, and the queue node can be deleted at the head of the queue.
  • nodes can be inserted and deleted at the head of the queue, or nodes can be inserted and deleted at the end of the queue.
  • Each node can save other relevant information of the payment application in addition to the AID.
  • the first information of the payment application includes at least one of a current running state of the payment application, an operating environment of the payment application, a priority of the payment application, and a usage record of the payment application. It can be seen that the first information can be one of or any combination of multiple, not here. Make specific limits.
  • the first information of the payment application is a current running state of the payment application
  • the first terminal configuring the N AIDs into the queue according to the first information of the M payment applications includes:
  • the current running status of the M payment applications includes the foreground running and the background running, configuring all the AIDs of the payment application running in the foreground to the first position of the queue and setting the first priority, and configuring all AIDs of the payment application running in the background. Go to the second location of the queue and set a second priority, wherein the first priority is higher than the second priority.
  • all the AIDs of the payment application running in the foreground are configured to the head of the queue and set a high priority
  • all AIDs of the payment application running in the background are configured to the end of the queue and set with a low priority.
  • the first terminal configures the AIDs of the multiple HCE applications and the card application into the queue and sets the priority, thereby generating a response message of the first instruction, so that the second terminal can obtain the AIDs of the multiple HCE applications and the card application.
  • the second terminal can select a specific AID without manually modifying the default HCE application settings.
  • the specific AID can be preferentially selected by the priority order of the AID, thereby reducing user operations and effectively improving the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, and may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first information of the payment application is an operating environment of the payment application
  • the operating environment of the payment application includes a first operating environment and a second operating environment, where the first operating environment is a rich execution environment REE or The trusted execution environment TEE runs the HCE application; the second operating environment is the security unit SE, which runs the card application, and the first terminal configures the N AIDs into the queue according to the first information of the M payment applications.
  • the M payment application includes the HCE application and the card application, all the AIDs of the HCE application are configured to the first position of the queue and the first priority is set, and all the AIDs of the card application are configured to the second position of the queue.
  • the first terminal configures all the AIDs of the HCE application and the card application to the corresponding positions of the queue and sets corresponding priorities according to the actual requirements, thereby generating a response message of the first instruction, so that the second terminal can simultaneously Get multiple AIDs for HCE applications and card applications without manual modification
  • the HCE application settings can be used to select a specific AID for the second terminal.
  • the specific AID can be preferentially selected through the priority order of the AID, thereby reducing user operations and effectively improving the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, and may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first information of the payment application is a priority of the payment application
  • the first terminal configuring the N AIDs into the queue according to the first information of the M payment applications includes: when the M When the payment application includes the default payment application of the first terminal and the payment application specified by the user, all the AIDs of the payment application specified by the user are configured to the first position of the queue and the first priority is set, and the first terminal is set.
  • the default AID of the default payment application is configured to the second location of the queue and the second priority is set; or, the entire AID of the default payment application of the first terminal is configured to the first location of the queue and the first priority is set.
  • all the AIDs of the default payment application of the terminal and the user-specified payment application are configured into the corresponding positions of the queue and the corresponding priorities are set, thereby generating a response message of the first instruction so that the second terminal can simultaneously obtain
  • the AID of multiple HCE applications and card applications can be used to select a specific AID without manually modifying the default HCE application settings.
  • the AID priority order can be used to preferentially select a specific AID, which reduces user operations. Effectively improve the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, and may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first information of the payment application includes a usage record of the payment application
  • the first terminal configuring the N AIDs into the queue according to the first information of the M payment applications includes:
  • the first terminal sets a priority according to the frequency of use of the payment application, and configures the AID of the payment application into a response message for answering the first instruction according to the set priority order, so that the second terminal can Obtaining the AIDs of multiple HCE applications and card applications at the same time, the second terminal can select a specific AID without manually modifying the default HCE application settings.
  • the AID priority order can be used to preferentially select a specific AID, thereby reducing the number of users. Operation to effectively improve the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, and may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the PPSE control interface is generated on the first terminal interface, where the PPSE control interface is used for manually modifying the priority order of the payment application, thereby effectively improving the user experience.
  • the at least one payment application when at least one of the M payment applications is in a non-operational state, the at least one payment application is activated.
  • acquiring the N AIDs on the first terminal includes: acquiring, by the payment application management module on the first terminal, the N AIDs on the first terminal; or by parsing the M The N AIDs are obtained by applying a resource file saved in the first terminal.
  • the first program on the first terminal sends a query message to the payment application management module in the NFC application framework, and queries the AID registered by each payment application in the NFC service (including all AIDs of static registration and dynamic registration). Or, the first program on the first terminal may obtain the N AIDs by parsing the resource files saved by the M payment applications in the first terminal.
  • the second aspect provides a first terminal, where the first terminal is a terminal that supports NFC, the first terminal includes M payment applications, and M is greater than 1.
  • the first terminal includes: a receiving module, configured to receive the first The first instruction of the short-distance payment environment sent by the second terminal;
  • a sending module configured to send, to the second terminal, a response message for answering the first instruction, where the response message includes N application identifiers AID, where the N AIDs are all AIDs included in the M payment applications,
  • Each payment application includes at least one AID, wherein the M payment applications include a host card emulation HCE application or the M payment applications include an HCE application and a card application.
  • the M terminal when the M terminal is installed on the first terminal, the M is greater than 1, the receiving module of the first terminal receives the first instruction of the short-range payment environment sent by the second terminal, and the sending module of the first terminal sends the second terminal to the second terminal.
  • the M payment applications include host card emulation HCE applications or the M payment applications include HCE applications and card applications. Therefore, it is not limited to providing only one default payment application to answer the first instruction.
  • the response message for answering the first instruction includes multiple ACEs of the HCE application and the card application, thereby enabling the second terminal to Obtaining the AIDs of the multiple HCE applications and the card application, that is, providing the second terminal with multiple AIDs belonging to different HCE applications or multiple AIDs belonging to different HCE applications and different card applications, without manually modifying the default HCE application settings,
  • the second terminal can select a specific AID, which reduces user operations and effectively improves the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, it may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • a third aspect provides a first terminal, comprising: one or more processors, a memory, a bus system, and a transceiver, wherein the one or more processors, the memory, and the transceiver are connected by the bus system; wherein Storing one or more programs in the memory, the one or more programs comprising instructions that, when executed by the first terminal, cause the first terminal to perform any one of the possible implementations of the first aspect or the first aspect The method described in the above.
  • the M terminals are installed on the first terminal, and the M is greater than 1.
  • the first terminal receives the first command sent by the second terminal, and the first terminal sends a response message to the second terminal that responds to the first command, where the The response message includes N AIDs, which are all AIDs included in the M payment applications, each payment application has at least one AID, and the M payment applications include a host card emulation HCE application or The M payment applications include HCE applications and card applications. Therefore, it is not limited to providing only one default payment application to answer the first instruction.
  • the response message for answering the first instruction includes multiple HCE applications and the AID of the card application, thereby enabling the second terminal to obtain more
  • the AID of the HCE application and the card application can realize the specific AID of the second terminal without manually modifying the default HCE application setting, thereby reducing the user operation and effectively improving the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, it may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • FIG. 1 is a structural diagram of a card application in the prior art
  • FIG. 3 is a schematic structural diagram of a first terminal according to an embodiment of the present invention.
  • FIG. 4 is a schematic diagram of an embodiment of an application scenario of an NFC payment method according to an embodiment of the present disclosure
  • FIG. 5 is a schematic flowchart diagram of an NFC payment method according to an embodiment of the present invention.
  • FIG. 6 is a schematic diagram of an implementation manner of an NFCC route according to an embodiment of the present invention.
  • FIG. 7 is a schematic diagram of an implementation manner of a route of an NFC application framework according to an embodiment of the present invention.
  • FIG. 8 is another schematic structural diagram of a first terminal according to an embodiment of the present invention.
  • FIG. 9 is another schematic structural diagram of a first terminal according to an embodiment of the present invention.
  • the first terminal 300 includes a communication unit 301, an input unit 302, an output unit 303, a processor 304, a storage unit 305, and peripheral devices. Interface 306, each unit is connected by one or more buses.
  • the communication unit 301 is configured to establish a communication channel, so that the first terminal performs voice communication, text communication, data communication, and the like with the remote electronic device or server through the communication channel; the input unit 302 is configured to implement interaction between the user and the terminal.
  • the processor 304 is a control center of the electronic device, and connects various parts of the entire first terminal by using various interfaces and lines, by running or executing a software program stored in the storage unit and/or a module, and calling data stored in the storage unit to perform various functions and/or processing data of the first terminal;
  • the output unit 303 includes but is not limited to a sound output unit for using the audio signal output by the processor from the digital The format is converted to an analog format; the storage unit 305 can be used to store software programs and modules; the peripheral interface 306 is used to connect to remote electronic devices or servers.
  • the first terminal may also comprise a security unit (SE).
  • SE can access the first terminal through a customer identification module (English name: Subscriber Identity Module, abbreviation: SIM) card slot or a SD card (Secure Digital Memory Card) card slot.
  • SIM Subscriber Identity Module
  • SD card Secure Digital Memory Card
  • the SE can be soldered as a chip on the motherboard of the first terminal, and the SE communicates with the processor of the terminal and the NFC controller (NFCC) through the serial port.
  • NFCC NFC controller
  • the communication unit 301 may include an NFC controller and an NFC antenna, and the payment application in the first terminal may utilize the NFC signal and the second terminal of the remote end (for example, an NFC card reader or a non-NFC antenna) Contacting the POS machine for communication;
  • the processor 304 may be the first terminal host CPU, the processor 304 may run the HCE application, and the HCE application may communicate with the NFC card reader or the contactless POS machine through the communication unit 301;
  • the storage unit 305 may be The first terminal's read-only memory (English full name: read-only memory, abbreviation: ROM), random access memory (English full name: Ramdom Access Memory, abbreviation: RAM), the code of the HCE application running on the processor 304 and The data is stored in the storage unit 305.
  • the processor 304 can configure the NFCC route in the communication unit 301 to configure the NFCC routing table, and can also be used to configure the route stored in the NFC application framework in the storage unit 305.
  • the processor 304 also uses The first information of the HCE application and the card application is obtained, and the first information is used to configure an AID queue, and the queue is applied to generate a response message of the first instruction.
  • the first terminal in the embodiment of the present invention includes but is not limited to a mobile phone, a mobile computer, a tablet computer, a personal digital assistant (English full name: Personal Digital Assistant, abbreviation: PDA), a media player, a smart TV, and a wearable device ( For example, a smart watch or smart glasses, etc.), a combination of two or more of the above, and the like.
  • PDA Personal Digital Assistant
  • FIG. 4 is an example of an application scenario provided by an embodiment of the present invention.
  • Common NFC terminals support multiple payment applications. For example, there are multiple payment applications on the NFC terminal, and each payment application has at least one AID.
  • POS machines can generally read a variety of payment applications. The POS machine cannot predict the AID of all payment applications. Therefore, between the POS machine and the NFC terminal, which card application is selected for transaction, an interaction process is required, so that the POS machine selects one of the plurality of payment applications for transaction.
  • the International Bank Card Standards Organization EMVCo stipulates that POS machines use the PPSE selection command to obtain payment application information.
  • the POS device sends a PPSE selection command to the NFC terminal, and the NFC terminal needs to send a response message to the POS machine.
  • the POS machine obtains the AID of a group of activated payment applications by receiving the response message, and then selects an activated payment application to perform subsequent transactions.
  • the PBOC 3.0 standard developed by China also requires NFC terminals and POS machines to support the PPSE mechanism. Any NFC terminal that communicates with the POS must support the PPSE mechanism.
  • the current NFC terminal (that is, the first terminal mentioned above) supports the installation of HCE applications, and multiple HCE applications are often installed on the terminal.
  • the NFC terminal can be equipped with an embedded chip security unit eSE on the motherboard of the SE chip, that is, the NFC terminal, or through a secure digital card (English full name: Secure Digital Memory Card, abbreviation: SD) interface or a customer identification module (English full name: Subscriber Identity Module, abbreviation: SIM)
  • SD Secure Digital Memory Card
  • SIM Subscriber Identity Module
  • the card interface is connected to the SE. In this way, there may be multiple HCE applications and multiple card applications in the SE.
  • the NFC card reader needs to communicate with a variety of terminals of different configurations.
  • the NFC card reader cannot predict the AID of the card application in all terminals and the AID of the HCE application, so the NFC card reader needs to send the first to the terminal first.
  • the instruction for example, the first instruction is a PPSE selection instruction, and obtains the card application activated in the terminal and the AID of the HCE application from the response message, and then selects the card application or the HCE application to perform the transaction.
  • IC cards In practical applications, such as card readers deployed in shopping malls or supermarkets, it needs to face a variety of integrated circuits issued by different banks (English full name: integrated circuit, abbreviation: IC) cards, these IC cards
  • the AID of the payment application is different, therefore, these cards must support the PPSE program, and the card reader needs to pass the first
  • the response of the instruction obtains the AID of the payment application in the card to select one of them.
  • a mobile phone can simulate multiple cards by installing an HCE application or installing an SE (for example, using a mobile operator's NFC-SIM), which is equivalent to having multiple card applications inside a card facing the card reader.
  • the phone can be modeled as a super card with multiple payment applications installed.
  • the HCE application in the mobile phone is an application installed on the mobile phone, and each HCE application can be bound with multiple bank cards, wherein each bank card includes an AID.
  • the mobile phone notifies the card reader of the AID of the bank card by responding to the first instruction, so that the card reader selects the corresponding bank card for transaction.
  • an embodiment of a near field communication NFC payment method in an embodiment of the present invention is applied to a first terminal supporting NFC;
  • the first terminal may include a processor (host CPU), NFCC, and SE, where
  • the SE may be a chip in the first terminal, or may be a hardware entity that accesses the first terminal through a peripheral interface (such as a SIM card slot or an SD card slot).
  • a peripheral interface such as a SIM card slot or an SD card slot.
  • Step 501 The first terminal determines, according to at least one of the payment application whitelist, the payment application blacklist, and the first information of the payment application, the M payment applications from all the payment applications on the first terminal.
  • the M payment applications include M HCE applications or the M payment applications include an HCE application and a card application, and the card application is included in a security unit of the first terminal.
  • all payment applications in the whitelist of payment applications on the first terminal are determined as the M payment applications; or, the payment application black on the first terminal is Other payment applications outside the list are determined as the M payment applications.
  • the first terminal needs to determine M payment applications from all payment applications installed on the first terminal according to the payment application white list and/or the payment application blacklist.
  • the payment application installed on the first terminal may be a host card emulating an HCE application or a card application running in the SE.
  • the HCE application may use an identifier to identify itself. For example, a string or a service name may be used as the identifier.
  • Each HCE application has a unique identifier or service name, which is the difference between the HCE applications.
  • the identifier of the other application in the first terminal is convenient for the first terminal operating system to manage the installed application; in the SE of the first terminal, the card application uses the application identifier AID to identify itself, and the AID is defined by the international standard organization ISO.
  • the first terminal includes a preset payment application white list and/or a payment application blacklist, and the whitelist or the blacklist includes the service name or application identifier (APP ID) of the HCE application and the AID of the card application, and the identifier of the HCE application is used.
  • APP ID service name or application identifier
  • the payment application blacklist is pre-configured in the first terminal, all the payment applications that have been installed on the first terminal are obtained first, and a payment application identifier set is obtained. From the set, all payment applications included in the blacklist are removed. The last remaining payment application in the collection is used as the M payment application; when the whitelist of the payment application is pre-configured in the first terminal, the application identifier set corresponding to the whitelist is associated with the identifier of all the payment applications already installed on the first terminal. The collection is done as an intersection, and all payment applications corresponding to the identifiers in the intersection are used as M payment applications.
  • the first information of the payment application includes at least one of the following: a current running state of the payment application, an operating environment of the payment application, a priority of the payment application, and a usage record of the payment application.
  • the first terminal may determine the M payment applications according to the first information of the payment application.
  • the first information of the payment application is a current running state of the payment application
  • the current running state of the payment application includes a foreground running and a background running, the foreground running and the All payment applications running in the background are determined as the M payment applications.
  • the payment application in the running state can process the POS machine to send an instruction, and the non-operating payment application must be started to process the instruction sent by the POS machine. Therefore, the first terminal acquires the payment of the foreground operation and the background operation. Applying, and determining the payment application running in the foreground and the background as the M payment applications, it can be seen that all payment applications in the running state on the first terminal are determined as the M payment applications.
  • the first information of the payment application is the running environment of the payment application
  • the operating environment of the payment application includes the first running environment and the second running environment, and the first running environment and the second running are performed. All payment applications in the environment are determined as the M payment applications or all payment applications in the first operating environment are determined as the M payment applications, wherein the first running environment is REE or TEE, running The HCE application, the second operating environment is SE, running a card application.
  • the card application and the HCE application on the first terminal are determined as the M payment applications.
  • the M payment applications are determined as the M payment applications.
  • some mobile phones do not support the card application, and directly on the first terminal
  • the HCE application is determined to be the M payment applications.
  • the first information of the payment application is a priority of the payment application, and the first terminal is silent.
  • the recognized payment application and all payment applications specified by the user are determined as the M payment applications.
  • the priority of the default payment application and the user-specified payment application of the first terminal is higher than the priority of other payment applications on the first terminal.
  • the user tends to use the HCE application of a certain bank or some payment applications commonly used by the user by default on the mobile phone. It can be seen that the default payment application on the first terminal and all payment applications specified by the user can be determined as The M payment applications are effectively close to the user experience.
  • the first information of the payment application is a usage record of the payment application, and all payment applications in the usage record are determined as the M payment applications.
  • all the payment applications used in the NFC payment are determined as the M payment applications, for example, the first terminal acquires the payment application used in the NFC payment, and uses the used payment application. All payment applications are determined as the M payment applications to facilitate the card reader to select one of the payment applications for the transaction.
  • the first terminal may download all payment applications that are downloaded through the trusted application market (for example, the terminal pre-installed application market) or All the payment applications with the trusted digital signatures are used as the M payment applications, and all the payment applications that have been installed in the first terminal are also used as the M payment applications, which are not specifically limited herein.
  • the trusted application market for example, the terminal pre-installed application market
  • All the payment applications with the trusted digital signatures are used as the M payment applications, and all the payment applications that have been installed in the first terminal are also used as the M payment applications, which are not specifically limited herein.
  • Step 502 The first terminal receives the first instruction sent by the second terminal.
  • the second terminal sends the first instruction to the first terminal, and the first terminal receives the first instruction.
  • the first instruction may be a PPSE selection instruction, that is, a SELECT PPSE instruction, wherein the second terminal is a card reading device or a POS machine, and is not specifically limited herein.
  • step 501 and step 502 are not specifically limited, and step 501 and step 502 may occur simultaneously or sequentially.
  • Step 503 The first terminal acquires first information of the N AIDs and the M payment applications.
  • the N AIDs are all AIDs included in the M payment applications, and each payment application includes at least one AID.
  • the payment application is an HCE application
  • the payment application may include one or more AIDs.
  • the payment application is a card application in the SE
  • the payment application includes an AID, that is, the payment application corresponds to one AID.
  • the first information of the payment application includes at least one of the following: a current running state of the payment application, The operating environment of the payment application, the priority of the payment application, and the usage record of the payment application.
  • the N application AIDs on the first terminal are obtained by the payment application management module on the first terminal; or the resource file acquired in the first terminal is obtained by parsing the M payment applications.
  • the N AIDs For example, the PPSE configuration program of the first terminal sends a query message to the payment application management module in the NFC application framework, and queries the AID (including all AIDs of static registration and dynamic registration) registered by each payment application in the NFC service, or The PPSE configuration program of the first terminal may obtain the N AIDs by parsing the resource files saved by the M payment applications in the first terminal.
  • Step 504 The first terminal configures the N AIDs into the queue according to the first information of the M payment applications, and uses the queue to generate a response message.
  • the first information of the payment application is a current running state of the payment application
  • the step 504 may specifically include: when the current running states of the M payment applications include a foreground running and a background running All the AIDs of the payment application running in the foreground are configured to the first position of the queue and set a first priority, and all AIDs of the payment application running in the background are configured to the second position of the queue and the second priority is set. Wherein the first priority is higher than the second priority.
  • all AIDs of the payment application running in the foreground are configured to the head of the queue and set to a high priority
  • all AIDs of the payment application running in the background are configured to the end of the queue and set to a low priority.
  • payment applications that are not in the foreground or background running state can have their AIDs configured to other locations in the queue and set low priority. It can be seen that multiple AIDs in the running state are configured into the queue and set priorities, thereby generating a response message of the first instruction, so that the second terminal can obtain multiple AIDs, and the first HCE application setting can be manually modified. The second terminal selects a specific AID.
  • the specific AID can be preferentially selected through the priority order of the AID, thereby reducing user operations and effectively improving the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, and may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first information of the payment application is an operating environment of the payment application
  • the step 504 may specifically include: the operating environment of the payment application includes a first running environment and a second running environment, Running the HCE application in the first operating environment, in the second operating environment Running a card application; when the M payment applications include an HCE application and a card application, configuring all AIDs of the HCE application to a first location of the queue and setting a first priority, and applying all of the cards Configuring an AID to a second location of the queue and setting a second priority; or configuring all AIDs of the card application to a first location of the queue and setting a first priority, applying the HCE All AIDs are configured to a second location of the queue and a second priority is set, wherein the first priority is higher than the second priority.
  • the first information of the payment application is a priority of the payment application
  • the step 504 may specifically include: when the M payment applications include the first terminal default payment application and When the user specifies the payment application, all the AIDs of the payment application specified by the user are configured to the first location of the queue and the first priority is set, and all the AIDs of the default payment application of the first terminal are configured to the Determining a second location of the queue and setting a second priority; or configuring all AIDs of the default payment application of the first terminal to a first location of the queue and setting a first priority, the user-specified All the AIDs of the payment application are configured to the second location of the queue and set a second priority, wherein the default payment application of the first terminal and the payment application specified by the user are different payment applications, a priority is higher than the second priority, and the default payment application of the first terminal and the payment application specified by the user are higher than other payment on the first terminal. Priority.
  • all AIDs of the payment application specified by the user are configured to the head of the queue and a high priority is set, and all AIDs of the default payment application of the first terminal are configured to the end of the queue and a low priority is set.
  • configure all the AIDs of the default payment application of the first terminal to the head of the queue and set a high priority configure all AIDs of the payment application specified by the user to the end of the queue and set a low priority Level, wherein the default payment application of the first terminal and the payment application specified by the user are different payment applications.
  • the first terminal configures all the AIDs of the default payment application of the first terminal and the user-specified payment application into corresponding positions of the queue and sets corresponding priorities, thereby generating a response message of the first instruction.
  • the first information of the payment application includes a usage record of the payment application
  • the step 504 may specifically include: configuring all AIDs of the payment application used when the NFC payment was last performed to the queue. And setting a first priority; or, according to the frequency of use of the M payment applications, sequentially configuring all AIDs of each payment application into the queue and setting priorities, wherein The first priority is higher than the priorities other than the first priority.
  • all the AIDs of the payment application used in the last NFC payment are configured to the head of the queue and set to a high priority; or, according to the frequency of use of the M payment applications, each of them is sequentially All AIDs of the payment application are configured into the queue and prioritized.
  • the first terminal can obtain the payment application used when the contactless payment is last executed, or obtain the usage frequency information of the payment application, and then configure the AID of the payment application according to the above information and set the priority.
  • the AID of the default payment application running in the foreground is set to a high priority, and the background is running and defaults.
  • the AID of the payment application sets the second highest priority, and sets the AID of the remaining payment applications in the M payment applications (ie, except the default payment application running in the foreground and the default payment application running in the background), and
  • the AID is configured into the queue according to the above priority.
  • the AID of the default payment application is set to a high priority
  • the last used payment application is obtained from the M payment applications
  • the payment application of the last use is used.
  • the AID sets the second highest priority, and according to the historical usage records of the payment applications other than the default payment application and the last used payment application, the usage frequency information of the payment applications is obtained according to the usage frequency. The priority of these payment applications, and finally the AID is configured into the queue.
  • the first information of the payment application includes at least one of a current running state of the payment application, an operating environment of the payment application, a priority of the payment application, and a usage record of the payment application, Determining, according to the free combination of at least one of the first information, a location relationship and a priority order of the AIDs of the M payment applications to the queue, and generating a response message acknowledging the first instruction by using the queue, where No specific restrictions.
  • the at least one payment application when at least one of the M payment applications is a payment application When in the non-operational state, the at least one payment application is activated.
  • the M payment applications when the M payment applications are currently in a non-operation state, a part of the payment applications or all payment applications in the M payment applications are activated; and some or all of the M payment applications are activated. All AIDs of the application are configured into the queue and prioritized.
  • the PPSE configuration program activates the part or all of the payment application to enable the part or all of the payment application to be in a running state, that is, to start the application of the part or all of the payment application, and execute the related configuration process. Therefore, it is avoided that the M payment applications are not in the running state, and the response message acknowledging the first instruction cannot be configured, and the interaction process between the payment application and the card reader or the POS machine cannot be completed.
  • Step 505 The first terminal configures a PPSE route.
  • the PPSE route is used to ensure that the first terminal responds to the first instruction by using the response message, wherein the PPSE route includes a route in an NFC application framework or the PPSE route includes an NFCC route and an NFC application framework Routing.
  • the PPSE route is configured to ensure that the first command, ie, the PPSE select command, is replied to using the reply message generated in step 504.
  • the format of the NFCC route is as shown in FIG. 6.
  • the NFCC routes are organized in the form of a table, each of which acts as a routing item, and each routing item includes an AID and a routing target corresponding to the AID, that is, an execution environment in which the payment application is located ( English full name: Near Field Communication Execution Environment, abbreviation: NFCEE), because the payment application can be a card application or host card simulation application in the SE, so the routing target in the NFCC route can be the SE identifier, or the host NFC execution environment. That is, the identity of the host CPU.
  • NFCEE Near Field Communication Execution Environment
  • the PPSE route includes a route in the NFC application framework
  • the first terminal configures the PPSE route to include: In the routing of the NFC application framework, configuring a correspondence between the first program and the PPSE AID, the first program is configured to respond to the PPSE selection instruction by using the response message, where the PPSE AID is included in the PPSE selection instruction.
  • the PPSE route includes a route in a near field communication controller NFCC routing and a near field communication NFC application framework
  • the first terminal configures PPSE routes including:
  • the third routing entry is configured to configure the second routing entry, where the first routing entry is a routing entry that includes a PPSE AID, and the second routing entry is a PPSE AID and the routing target is a host NFC execution environment.
  • the fourth routing entry is a routing entry for routing the AID selection instruction to the host NFC execution environment, wherein the AID selection instruction (ie, SELECT AID) includes a PPSE selection instruction, which is an APDU instruction defined by ISO/IEC 7816-4.
  • the card reader is used to select a payment application.
  • the fourth routing item may be a protocol routing item whose routing target is the host NFC execution environment (DH NFCEE), and is used to route the ISO-DEP protocol data to the host NFC execution environment.
  • DH NFCEE host NFC execution environment
  • the first program is configured to respond to the PPSE selection instruction by using the response message.
  • the NFC application framework that is, the NFC Framework implemented in the first terminal operating system, provides an application programming interface (English full name: Application Programming Interface, API) for the application developer, and is also on the first terminal.
  • the AID of the HCE application processing needs to be declared to the OS, that is, the service name (the identifier of the HCE application) of the AID and its corresponding HCE application is registered in the NFC application framework, so that the first terminal
  • the host NFC Execution Environment (English name: Device Host NFC Execution Environment, abbreviation: DH-NFCEE) forwards the APDU to the corresponding HCE application when the APDU command is received.
  • the APDU is a smart card defined by the ISO/IEC7816-4 standard.
  • configuring the PPSE AID corresponds to the first program, where the first program is a module or a system application in the first terminal operating system, and the first program may be a PPSE configuration program, and the first program is used.
  • the queue in step 504 generates a reply message in response to the PPSE selection command.
  • the response message may be generated in advance by a program other than the first program, and then the first program acquires the pre-generated response message and responds to the PPSE selection instruction by using the acquired response message, or the first program may execute the above.
  • Step 501 to step 504 which are not specifically limited herein.
  • the routes in the NFC application framework can also be organized in the form of a table. Each row identifies a routing entry, including an AID and an HCE application identifier, that is, the HCE service name. One row associates an AID with an HCE application.
  • step 505 and step 504 are not specifically limited, and steps 505 and 504 may occur simultaneously or sequentially.
  • the sequence of step 505 and step 502 is not specifically limited. Steps 505 and 502 may occur simultaneously or sequentially.
  • Step 506 The first terminal sends a response message for answering the first instruction to the second terminal.
  • the first terminal configures the PPSE route to ensure that the first instruction is answered using the response message generated in the queue.
  • step 501, step 503, step 504, and step 505 need not be completely performed in some embodiments, that is, in some embodiments, the first terminal does not need to perform the process of determining the M payment applications each time. After the M payment application is determined for the first time, the step 501 is not required to be performed. In some embodiments, the first terminal may generate the response message in advance. Therefore, the response message may be directly obtained, and step 503 and step 504 need not be performed. In some embodiments, the first terminal may pre-configure the PPSE route, so step 505 need not be performed. For the necessary technical features of the present invention, in some embodiments, step 502 and step 506 are directly performed, and are not specifically limited herein.
  • the first terminal 800 is a terminal supporting near field communication, and the first terminal includes M payment applications, where M is greater than 1, the first terminal
  • the 800 includes a receiving module 801 and a sending module 802.
  • the first terminal 800 further includes a processing module 803.
  • the receiving module 801 is configured to receive a first instruction sent by the second terminal;
  • the sending module 802 is configured to send, to the second terminal, a response for answering the first instruction.
  • the response message includes N application identifiers AID, the N AIDs are all AIDs included in the M payment applications, and each payment application includes at least one AID, wherein the M payments
  • the application includes a host card emulation HCE application or the M payment applications include an HCE application and a card application, the card application being included in a security unit of the first terminal.
  • the first terminal 800 further includes:
  • the processing module 803 is configured to acquire the first information of the N AIDs and the M payment applications before the sending module 802 sends a response message for responding to the first instruction to the second terminal; And configuring the N AIDs into a queue according to the first information of the M payment applications, where the queue is used to generate the response message; and the response message is generated by using the queue.
  • the processing module 803 is further configured to: before the sending module 802 sends a response message for answering the first instruction to the second terminal, configure PPSE routing, where the PPSE route includes an NFC application framework.
  • the routing or the PPSE routing includes routing in a near field communication controller NFCC routing and a near field communication NFC application framework, wherein the first instruction is a PPSE selection instruction.
  • the processing module 803 is configured to configure the first in the route of the NFC application framework when configuring the PPSE route.
  • the first program is configured to respond to the PPSE selection instruction by using the response message, wherein the PPSE AID is included in the PPSE selection instruction;
  • the processing module 803 is configured to: when the PPSE route is configured, specifically, when the NFCC route does not include the first When a routing entry is configured, the second routing entry is configured in the NFCC route; or, when the NFCC routing includes the third routing entry, the third routing entry is cleared in the NFCC routing and configured The second routing entry, wherein the first routing entry is a routing entry that includes a PPSE AID, and the second routing entry is a routing entry that includes a PPSE AID and the routing destination is a host NFC execution environment, and the third routing entry is included a PPSE AID but the routing destination is not a routing entry of the host NFC execution environment; or, when the NFCC route does not include the fourth routing entry, configuring the fourth routing entry in the NFCC routing; when the NFCC routing includes When the third routing entry does not include the fourth routing entry, the third routing entry
  • the first information of the payment application includes at least one of a current running state of the payment application, an operating environment of the payment application, a priority of the payment application, and a usage record of the payment application.
  • the processing module 803 is further configured to: according to at least one of a payment application whitelist, a payment application blacklist, and a first information of a payment application, before acquiring the N AIDs, The M payment applications are determined from all payment applications on the first terminal.
  • the processing module 803 according to at least one of the payment application whitelist, the payment application blacklist, and the first information of the payment application, all payment from the first terminal
  • the processing module 803 is specifically configured to determine, as the M payment applications, all payment applications in the whitelist of payment applications on the first terminal;
  • the first information of the payment application is a current running state of the payment application
  • the current running state of the payment application includes a foreground running and a background running, and determining, by the foreground running, all the payment applications running in the background For the M payment applications;
  • the first information of the payment application is the running environment of the payment application, and the operating environment of the payment application includes the first running environment and the second running environment, and the first running environment and the second running are performed. All payment applications in the environment are determined as the M payment applications or all payment applications in the first operating environment are determined as the M payment applications, wherein the HCE application is run in the first operating environment, Running the card application in the second operating environment;
  • the first information of the payment application is a priority of the payment application, and the default payment application of the first terminal and all payment applications specified by the user are determined as the M payment applications, wherein the first terminal The default payment application and the user-specified payment application have higher priority than other payment applications on the first terminal;
  • the first information of the payment application is a usage record of the payment application, and all payment applications in the usage record are determined as the M payment applications.
  • the first information of the payment application is a current payment application.
  • An operating state where the current running state includes a foreground running and a background running, and the processing module 803 is configured to run the foreground when the N AIDs are configured in the queue according to the first information of the M payment applications.
  • All AIDs of the payment application are configured to the first location of the queue and set a first priority
  • all AIDs of the payment application running in the background are configured to the second location of the queue and set a second priority, wherein The first priority is higher than the second priority.
  • the first information of the payment application is an operating environment of a payment application
  • the operating environment of the payment application includes a first running environment and a second running environment, where the first running environment runs.
  • the card application is run in the second running environment
  • the processing module 803 is configured to configure the N AIDs into the queue according to the first information of the M payment applications, specifically, when the M When the payment application includes the HCE application and the card application, configuring all AIDs of the HCE application to the first location of the queue and setting a first priority, and configuring all AIDs of the card application to the second of the queue Positioning and setting a second priority; or configuring all AIDs of the card application to a first location of the queue and setting a first priority, configuring all AIDs of the HCE application to the queue
  • the second location is set and the second priority is set, wherein the first priority is higher than the second priority.
  • the first information of the payment application is a priority of a payment application
  • the M payment applications include a default payment application of the first terminal and a payment application specified by a user
  • the processing When the module 803 configures the N AIDs into the queue according to the first information of the M payment applications, specifically configured to configure all AIDs of the payment application specified by the user to the first location of the queue and set First priority, configuring all AIDs of the default payment application of the first terminal to the second location of the queue and setting a second priority; or configuring all AIDs of the default payment application of the first terminal Go to a first location of the queue and set a first priority, configure all AIDs of the user-specified payment application to a second location of the queue and set a second priority, wherein the first terminal
  • the default payment application and the user-specified payment application are different payment applications, the first priority is higher than the second priority, and the first terminal default payment application and user finger Payment application priority higher than the priority of other payment application on the first terminal.
  • the first information of the payment application includes a usage record of the payment application
  • the processing module 803 the N AIDs according to the first information of the M payment applications.
  • the processing module 803 When configured in the queue, specifically configured to configure all AIDs of the payment application used in the last NFC payment to the first location of the queue and set the first priority; or, according to the use of the M payment applications The frequency is set, and the entire AID of each payment application is sequentially configured into the queue and the priority is set, wherein the first priority is higher than the priority other than the first priority.
  • the processing module 803 is further configured to activate the at least one payment application when at least one of the M payment applications is in a non-operation state.
  • the M terminal when the M terminal is installed on the first terminal, the M is greater than 1, the receiving module of the first terminal receives the first instruction of the short-range payment environment sent by the second terminal, and the sending module of the first terminal sends the second terminal to the second terminal.
  • the M payment applications include host card emulation HCE applications or the M payment applications include HCE applications and card applications.
  • the response message for answering the first instruction includes the AIDs of the plurality of HCE applications and the card application, thereby enabling the second terminal to obtain the AIDs of the M payment applications.
  • the second terminal selects one of the M payment applications to perform the transaction, and the second terminal may select a specific AID without manually modifying the default payment application setting.
  • the priority may be preferentially selected by the AID priority order.
  • the AID effectively improves the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, it may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the first terminal 800 does not include the processing module 803, and may be determined according to actual conditions, and is not specifically limited herein.
  • the processing module 803 can be a software module, can be executed in a processor of the computer system, or can be a specific integrated circuit, and obtain corresponding technical effects, which are not specifically limited herein.
  • FIG. 8 illustrates the specific structure of the first terminal from the perspective of the function module.
  • the specific structure of the first terminal is described from the hardware point of view with reference to the embodiment of FIG. 9 : a first terminal 900, Included: one or more processors 901, a memory 902, a bus system 903, and a transceiver 904, the one or more processors 901, the memory 902, and the transceiver 903 being connected by the bus system 904;
  • One or more programs 905 are stored in the memory 902, and the one or more programs 905 include instructions that, when executed by the first terminal, cause the first terminal to perform as shown in FIG. Methods.
  • the function of the first terminal in the present invention may be specifically implemented according to the method in the embodiment shown in FIG. 5, and the specific implementation process may refer to the related description in the method embodiment shown in FIG. It is to be noted that the first terminal performs the method of the embodiment shown in FIG. 5 to obtain the technical effects that can be obtained by the method embodiment.
  • the M payment application is installed on the first, the M is greater than 1, the first terminal receives the first command sent by the second terminal, and the first terminal sends a response message to the second terminal that responds to the first command, where the response
  • the message includes N AIDs, which are all AIDs included in the M payment applications, each payment application has at least one AID, the M payment applications include a host card emulation HCE application or the M payment applications include an HCE application And card applications. Therefore, it is not limited to only the default payment application to respond to the first instruction, and the response message for answering the first instruction includes multiple ACEs of the HCE application and the card application, that is, providing the POS machine with multiple AIDs belonging to different HCE applications.
  • the second terminal can obtain the AIDs of the M payment applications, and then select one of the M payment applications to perform the transaction, without manually modifying the default payment application settings.
  • the second terminal can select a specific AID.
  • the specific AID can be preferentially selected through the priority order of the AID, thereby reducing user operations and effectively improving the user experience.
  • the payment application installed on the first terminal is not limited to the card application in the SE, it may also be an HCE application. Therefore, there is no problem that the first terminal that does not support the physical SE cannot complete the card reading.
  • the disclosed system, apparatus, and method may be implemented in other manners.
  • the device embodiments described above are merely illustrative.
  • the division of cells is only a logical function division.
  • multiple units or components may be combined or integrated. Go to another system, or some features can be ignored or not executed.
  • the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in an electrical, mechanical or other form.
  • the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
  • each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • An integrated unit if implemented in the form of a software functional unit and sold or used as a standalone product, can be stored in a computer readable storage medium.
  • the technical solution of the present invention which is essential or contributes to the prior art, or all or part of the technical solution, may be embodied in the form of a software product stored in a storage medium.
  • a number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the various embodiments of the present invention.
  • the foregoing storage medium includes: a USB flash drive, a removable hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. The medium of the code.
  • the present invention provides a detailed description of the near field communication payment method and the terminal provided by the present invention.
  • the principles and embodiments of the present invention are described herein. The description of the above embodiments is only for helping to understand the present invention.
  • the content of the present specification should not be construed as the present invention. limits.

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Abstract

L'invention concerne un procédé et un terminal de communication en champ proche, utilisés de manière à résoudre le défaut existant dans l'état de l'art selon lequel seule une application de HCE de défaut peut répondre à une instruction de sélection PPSE. Le procédé est appliqué à un premier terminal supportant une communication en champ proche (NFC), le premier terminal comprenant M applications de paiement, et M étant supérieur à 1. Le procédé comprend les étapes suivantes : le premier terminal reçoit une première instruction envoyée par un second terminal ; et le premier terminal envoie au second terminal un message de réponse destiné à répondre à la première instruction, le message de réponse comprenant N identifiants d'applications (AID), les N AID étant tous les AID contenus dans les M applications de paiement, chaque application de paiement comprenant au moins un AID, et les M applications de paiement comprenant une application d'émulation de carte hôte (HCE) ou les M applications de paiement comprenant l'application de HCE et une application de carte.
PCT/CN2016/072527 2016-01-28 2016-01-28 Procédé et terminal de paiement de communication en champ proche Ceased WO2017128182A1 (fr)

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CN110020569A (zh) * 2019-03-11 2019-07-16 华为技术有限公司 自动选择nfc模拟卡的方法、电子设备及通信系统
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CN121463019A (zh) * 2025-12-03 2026-02-03 金邦达有限公司 Hce卡的aid冲突解决方法、系统、设备和介质

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