CN103473853B

CN103473853B - A kind of methods, devices and systems for mobile payment

Info

Publication number: CN103473853B
Application number: CN201310364890.XA
Authority: CN
Inventors: 赵晓娜; 金志皓; 常新苗
Original assignee: Huawei Device Co Ltd
Current assignee: Huawei Device Co Ltd
Priority date: 2013-08-20
Filing date: 2013-08-20
Publication date: 2016-04-13
Anticipated expiration: 2033-08-20
Also published as: CN103473853A

Abstract

The embodiment of the invention discloses a kind of methods, devices and systems for mobile payment, relate to technical field of near field communication, in order to facilitate user to go on a journey, thus improve Consumer's Experience.Terminal comprises a safe unit SE, and the method that the embodiment of the present invention provides comprises: terminal receive user's instruction this need carry out the number m of mobile payment, m >=2; When terminal and counting equipment mutually certification, terminal receives m the beginning label information that counting equipment sends; Terminal records m beginning label information in SE; When terminal and counting equipment mutually certification, terminal sends m beginning label information to counting equipment; To make counting equipment according to m end mark information of m beginning label information, acquisition from the expense corresponding to terminal deduction m number.

Description

Method, device and system for mobile payment

Technical Field

The invention relates to the technical field of Near Field Communication (NFC), in particular to a method, a device and a system for mobile payment.

Background

In recent years, a non-contact Integrated Circuit (IC) card technology is becoming mature, and the technology is widely applied to the fields of public transportation, access control management, identity recognition, retail sale and the like, but how to develop application in combination with a terminal such as a mobile phone is still in an exploration stage. At present, there are many technical solutions for mobile payment, which mainly include a patch card, a dual interface SIM (SIMpass), a radio frequency identification SIM (radio frequency SIM, abbreviated as RF-SIM), an intelligent secure digital card (secure digital memory card, abbreviated as SD card), enhanced NFC (enhanced dnfc, abbreviated as eNFC), NFC, and the like, but generally, the mobile payment is developed towards the NFC technology, where the SIM is an abbreviation of a subscriber identity module (subscriber identity module).

NFC is a wireless connection technology for realizing short-range communication between electronic devices by using electromagnetic induction, and its operating modes include: in a card emulation mode (CE), a terminal with an NFC function (hereinafter referred to as an "NFC terminal") may emulate itself as a card (hereinafter referred to as an "NFC card") conforming to an NFC standard in the card emulation mode. For example, in the card emulation mode, the NFC terminal emulates itself as an IC card and stores the IC card in a Secure Element (SE). The IC card can be a transportation card application, a bank card, a membership card and the like.

At present, in the process of paying for traffic, traffic cards are more and more favored with their convenience. For a public transportation system of a section charging system, a common transportation card application payment method comprises the following steps: the card is respectively swiped once to get on or off the bus, and the concrete realization is: when a passenger gets on the bus, swiping a traffic card once for application, and writing boarding mark information into the traffic card application by the vehicle-mounted machine, wherein the boarding mark information comprises boarding position information, boarding time, whole fare and the like; when getting off, the traffic card application is swiped again, and the vehicle-mounted machine obtains the expense to be deducted by the bus according to the getting off position information and the getting on mark information read from the traffic card application.

In the process of realizing traffic payment by using the traffic card application, the inventor finds that at least the following problems exist in the prior art: when a plurality of people take the public transport means with the segmented charging system for travelling, if the people cannot use the public transport means with one transport card, passengers need to queue for buying cards, have self-provided change for buying tickets and the like for a long time, so that the travelling is inconvenient, even the passengers cannot take the public transport means, and the user experience is poor.

Disclosure of Invention

The embodiment of the invention provides a method, a device and a system for mobile payment, which are used for bringing convenience to users for going out, so that the users have better experience.

In order to achieve the above purpose, the embodiment of the invention adopts the following technical scheme:

in a first aspect, a method for mobile payment is provided, the terminal comprising a secure element SE, said method comprising:

the terminal receives the number m of people needing to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2;

under the condition that the terminal and charging equipment are mutually authenticated, the terminal receives m pieces of start mark information sent by the charging equipment; the start marker information comprises start position information and/or start time information; wherein, the terminal receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

the terminal records the m pieces of start mark information in the SE;

under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends the m pieces of start mark information to the charging equipment, so that the charging equipment deducts the charges corresponding to the m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information; and the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

With reference to the first aspect, in a first possible implementation manner, the SE includes at least one payment card application, and the causing the charging device to deduct, from the terminal, a fee corresponding to the m people is specifically: so that the billing device deducts a fee corresponding to the m people from an account applied by at least one payment card of the SE.

With reference to the first possible implementation manner of the first aspect, in a second possible implementation manner, after the terminal receives the number m of people who need to make mobile payment this time, where the number m is indicated by the user, the method further includes:

and the terminal determines that the account applied by the at least one payment card has enough balance for paying the cost corresponding to the m people needing to carry out mobile payment according to the maximum unit price of the m and one-time mobile payment.

With reference to the second possible implementation manner of the first aspect, in a third possible implementation manner, before the determining, by the terminal according to the m and the maximum unit price of the one-time mobile payment, that there is a sufficient balance in an account applied to the at least one payment card to pay a fee corresponding to the m people who need to perform mobile payment, the receiving, by the terminal, the m pieces of start mark information sent by the charging device includes:

And the terminal receives first start mark information in the m pieces of start mark information sent by the charging equipment, wherein the first start mark information comprises the maximum unit price of the mobile payment.

With reference to any one of the first possible implementation manner to the third possible implementation manner of the first aspect, in a fourth possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub SE module is preset in the SE, or the main SE module generates the sub SE module according to the sub SE module after the terminal receives the number m of people required to carry out mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

the terminal records the m pieces of start mark information in the SE, including:

when t is m-1, recording the m pieces of start mark information in the 1 main SE module and the m-1 sub SE modules;

or when t is m, recording the m pieces of start mark information in m sub-SE modules.

With reference to the fourth possible implementation manner of the first aspect, in a fifth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

The causing the billing device to deduct a fee corresponding to the m people from an account applied by at least one payment card of the SE comprises:

so that the charging equipment deducts the charge corresponding to the m people from the account applied by the main payment card.

With reference to the fourth possible implementation manner of the first aspect, in a sixth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

when t is m-1, the charging equipment deducts the charge corresponding to the m people from the account applied by the main payment card and the account applied by the m-1 sub payment cards;

or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

With reference to the sixth possible implementation manner of the first aspect, in a seventh possible implementation manner, the payment card system includes: public transport system, parking system.

In a second aspect, a method for mobile payment is provided, the terminal comprising a secure element SE, said method comprising:

the terminal receives the number n1 of people who need to carry out mobile payment for the first time and indicated by the user, wherein n1 is more than or equal to 1; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal receives n1 pieces of first start marker information sent by the charging equipment and records the n1 pieces of first start marker information in the SE, wherein the start marker information comprises start position information and/or start time information, and the terminal receives one piece of start marker information sent by the charging equipment every time the terminal and the charging equipment are mutually authenticated;

the terminal receives the number n2 of people who need to carry out mobile payment for the second time, wherein n2 is more than or equal to 1, and the number n2 is indicated by the user; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal receives n2 pieces of second start marker information sent by the charging equipment, and the n2 pieces of second start marker information are recorded in the SE;

In a case where the terminal and the charging apparatus are mutually authenticated, the terminal transmitting n1+ n2 pieces of start marker information to the charging apparatus, the n1+ n2 pieces of start marker information including the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the n1+ n2 people from the terminal according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; and the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

With reference to the second aspect, in a first possible implementation manner, the SE includes at least one payment card application, and the causing the charging device to deduct, from the terminal, a fee corresponding to the n1+ n2 people is specifically: such that the billing device deducts a fee corresponding to the n1+ n2 people from an account of at least one payment card application of the SE.

With reference to the second aspect or the first possible implementation manner of the second aspect, in a second possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number of people indicated by the user to be paid for the first time n1 and the terminal receives the number of people indicated by the user to be paid for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

The terminal records the n1+ n2 pieces of start marker information in the SE, including:

when t is n1+ n2-1, recording the n1+ n2 pieces of start mark information in the 1 main SE module and n1+ n2-1 sub SE modules;

alternatively, when t is n1+ n2, the n1+ n2 pieces of start flag information are recorded in the n1+ n2 sub-SE modules.

With reference to the second possible implementation manner of the second aspect, in a third possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

the causing the billing device to deduct fees corresponding to the n1+ n2 people from an account of at least one payment card application of the SE comprises:

so that the billing device deducts the fees corresponding to the n1+ n2 people from the account of the primary payment card application.

With reference to the second possible implementation manner of the second aspect, in a fourth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

when t is n1+ n2-1, the charging equipment deducts the charge corresponding to the n1+ n2 people from the account of the main payment card application and the account of the n1+ n2-1 sub payment card application;

or when t is n1+ n2, the charging equipment deducts the fee corresponding to the n1+ n2 people from the account applied by the n1+ n2 sub payment cards.

In a third aspect, a method for mobile payment is provided, the terminal comprising a secure element SE, said method comprising:

under the condition that the terminal and charging equipment are mutually authenticated, the terminal receives m pieces of start marker information sent by the charging equipment, wherein the start marker information comprises start position information and/or start time information; wherein, the terminal receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

the terminal records the m pieces of start mark information in the SE;

Under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends m1 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m1 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m1 people from the terminal according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person;

under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends m2 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, m1+ m2= m.

With reference to the third aspect, in a first possible implementation manner, the SE includes at least one payment card application,

The step of deducting, by the charging device, the fee corresponding to the m1 people from the terminal is specifically: so that the billing device deducts a fee corresponding to the m1 people from an account of at least one payment card application of the SE;

the step of deducting, by the charging device, the fee corresponding to the m2 people from the terminal is specifically: so that the billing device deducts a fee corresponding to the m2 people from an account of at least one payment card application of the SE.

With reference to the third aspect or the first possible implementation manner of the third aspect, in a second possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number m of people needing to carry out mobile payment at this time, wherein the number m is indicated by the user; the t comprises: m or m-1;

With reference to the second possible implementation manner of the third aspect, in a third possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the causing the billing device to deduct a fee corresponding to the m1 people from an account of at least one payment card application of the SE comprises: so that the billing device deducts a fee corresponding to the m1 people from an account of the primary payment card application;

the causing the billing device to deduct a fee corresponding to the m2 people from an account of at least one payment card application of the SE comprises: so that the billing device deducts the charge corresponding to the m2 people from the account of the primary payment card application.

With reference to the second possible implementation manner of the third aspect, in a fourth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

The causing the charging device to deduct a fee from an account of at least one payment card application of the SE comprises: when t is m-1, the charging equipment deducts the fee from the account of the main payment card application and the account of the m-1 sub payment card application;

or when t is m, the charging device deducts the fee from the account applied by the m sub-payment cards.

In a fourth aspect, a method for mobile payment is provided, where a terminal includes a secure element SE, where the SE includes 1 master SE module and at least t sub-SE modules, and the master SE module corresponds to a master payment card application, and the method includes:

the payment card system receives at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user;

the payment card system sends at least t sub payment card applications to the terminal through at least one first response message;

The payment card system receives at least one second request message sent by the terminal, wherein the at least one second request message is used for applying for account recharging applied to the at least t sub-payment cards;

the payment card system charges the account of the at least t sub-payment card applications according to the at least one second request message, and when t is m-1, the charging equipment deducts the cost corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card application; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

In a fifth aspect, a terminal for mobile payment is provided, the terminal comprising a secure element SE, the terminal further comprising:

the acquiring unit is used for acquiring the number m of people needing to carry out mobile payment at this time, wherein the number m is more than or equal to 2 and is indicated by a user;

a receiving unit, configured to receive m pieces of start marker information sent by a charging device under a condition that the terminal and the charging device are mutually authenticated; the start marker information comprises start position information and/or start time information; wherein, the receiving unit receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

A recording unit, configured to record the m pieces of start mark information transmitted by the receiving unit in the SE;

a sending unit, configured to send the m pieces of start flag information recorded in the recording unit to a charging device in a case where the terminal and the charging device are mutually authenticated; the charging equipment deducts the charges corresponding to the m people from the terminal according to the m pieces of start mark information and the m pieces of end mark information; and the sending unit sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

With reference to the fifth aspect, in a first possible implementation manner, the SE includes at least one payment card application, and the sending unit is specifically configured to send the m pieces of start flag information recorded by the recording unit to the charging device under the condition that the terminal and the charging device are mutually authenticated, so that the charging device deducts, according to the m pieces of start flag information and the m pieces of end flag information, a fee corresponding to the m pieces of people from an account of the at least one payment card application of the SE.

With reference to the first possible implementation manner of the fifth aspect, in a second possible implementation manner, the terminal further includes:

and the determining unit is used for determining that the account applied by the at least one payment card has enough balance for paying the fee corresponding to the m number of people who need to carry out mobile payment according to the m maximum unit price of one-time mobile payment.

With reference to the second possible implementation manner of the fifth aspect, in a third possible implementation manner, the receiving unit is specifically configured to receive first start tag information in the m pieces of start tag information sent by the charging device, where the first start tag information includes a maximum unit price of the mobile payment.

With reference to any one of the first possible implementation manner to the third possible implementation manner of the fifth aspect, in a fourth possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub SE module is preset in the SE, or the main SE module is generated according to the m after the acquisition unit acquires the number m of people required to carry out mobile payment at this time, which is indicated by a user; the t comprises: m or m-1;

The recording unit is specifically configured to record the m pieces of start mark information in the 1 main SE module and the m-1 sub SE modules when t is m-1;

With reference to the fourth possible implementation manner of the fifth aspect, in a fifth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit is specifically configured to send the m pieces of start mark information recorded by the recording unit to the charging device under the condition that the terminal and the charging device are mutually authenticated, so that the charging device deducts charges corresponding to the m people from an account applied by the main payment card according to the m pieces of start mark information and the m pieces of end mark information.

With reference to the fourth possible implementation manner of the fifth aspect, in a sixth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

When t is m-1, the sending unit is specifically configured to send the m pieces of start tag information recorded by the recording unit to the charging device under the condition that the terminal and the charging device are mutually authenticated, so that the charging device deducts charges corresponding to the m people from an account applied to the main payment card and an account applied to m-1 sub payment cards according to the m pieces of start tag information and the m pieces of end tag information;

or when t is m, the sending unit is specifically configured to send the m pieces of start mark information recorded by the recording unit to the charging device under the condition that the terminal and the charging device are mutually authenticated, so that the charging device deducts charges corresponding to the m people from an account applied by the m sub-payment cards according to the m pieces of start mark information and the m pieces of end mark information.

With reference to the sixth possible implementation manner of the fifth aspect, in a seventh possible implementation manner, the payment card system includes: public transport system, parking system.

In a sixth aspect, a terminal for mobile payment is provided, the terminal comprising a security element SE, the terminal further comprising:

The acquiring unit is used for acquiring the number n1 of people who need to carry out mobile payment for the first time and indicated by the user, wherein n1 is more than or equal to 1;

a receiving unit, configured to receive n1 pieces of first start flag information sent by a charging apparatus when the terminal and the charging apparatus are mutually authenticated, where the receiving unit receives one piece of start flag information sent by the charging apparatus every time the terminal and the charging apparatus are mutually authenticated;

a recording unit, configured to record the n1 pieces of first start mark information transmitted by the receiving unit in the SE, where the start mark information includes start position information and/or start time information;

the obtaining unit is further used for obtaining the number n2 of people who need to carry out mobile payment for the second time, wherein n2 is more than or equal to 1;

the receiving unit is further configured to receive n2 pieces of second start marker information sent by the charging device when the terminal and the charging device are mutually authenticated;

the recording unit is further configured to record the n2 second start flag information in the SE;

a sending unit, configured to send, to the charging apparatus, n1+ n2 pieces of start marker information recorded by the recording unit in a case where the terminal and the charging apparatus are mutually authenticated, where the n1+ n2 pieces of start marker information include the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the n1+ n2 people from the terminal according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; and the sending unit sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

With reference to the sixth aspect, in a first possible implementation manner, the SE includes at least one payment card application, and the sending unit is specifically configured to send, to the charging device, n1+ n2 pieces of start marker information recorded by the recording unit, in a case where the terminal and the charging device are mutually authenticated; so that the billing device deducts the fee corresponding to the n1+ n2 people from the account of at least one payment card application of the SE according to the n1+ n2 start tag information and the n1+ n2 end tag information.

With reference to the sixth aspect or the first possible implementation manner of the sixth aspect, in a second possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE, or is generated after the acquisition unit acquires the number of people indicated by the user to be subjected to mobile payment for the first time n1 and is generated after the acquisition unit acquires the number of people indicated by the user to be subjected to mobile payment for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

the recording unit is specifically configured to, when t is n1+ n2-1, record the n1+ n2 pieces of start marker information in the 1 main SE module and the n1+ n2-1 sub SE modules;

With reference to the second possible implementation manner of the sixth aspect, in a third possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit is specifically configured to send the n1+ n2 pieces of start marker information recorded by the recording unit to the charging device when the terminal and the charging device are mutually authenticated; so that the charging device deducts the charge corresponding to the n1+ n2 people from the account of the main payment card application according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

With reference to the second possible implementation manner of the sixth aspect, in a fourth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

When t is n1+ n2-1, the sending unit is specifically configured to send n1+ n2 pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus are mutually authenticated; so that the billing device deducts fees corresponding to the n1+ n2 people from the account of the main payment card application and the account of the n1+ n2-1 sub payment card application according to the n1+ n2 pieces of start tag information and the n1+ n2 pieces of end tag information;

or, when t is n1+ n2, the sending unit is specifically configured to send n1+ n2 pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus are mutually authenticated; so that the billing device deducts the fees corresponding to the n1+ n2 people from the account applied by the n1+ n2 sub-payment cards according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

In a seventh aspect, a terminal for mobile payment is provided, where the terminal includes a secure element SE, and the terminal further includes:

A receiving unit, configured to receive m pieces of start marker information sent by a charging device under a condition that the terminal and the charging device are mutually authenticated, where the start marker information includes start position information and/or start time information; wherein, the receiving unit receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

a sending unit, configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to a charging device in a case where the terminal and the charging device are mutually authenticated, where 1 is equal to or greater than m1 < m; so that the charging equipment deducts the charge corresponding to the m1 people from the terminal according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; wherein, the sending unit sends the start mark information to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person;

The sending unit is further configured to send m2 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging device, where m2 is greater than or equal to 1 and less than m, in the case that the terminal and the charging device are mutually authenticated; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, m1+ m2= m.

With reference to the seventh aspect, in a first possible implementation manner, the SE includes at least one payment card application,

the sending unit is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus mutually authenticate each other; so that the billing device deducts the fees corresponding to the m1 people from the account applied by at least one payment card of the SE according to the m1 start flag information and the m1 first end flag information; and, in a case where the terminal and a charging apparatus are mutually authenticated, transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit to the charging apparatus; so that the billing device deducts the fees corresponding to the m2 people from the account applied by at least one payment card of the SE according to the m2 start flag information and the m2 second end flag information.

With reference to the seventh aspect or the first possible implementation manner of the seventh aspect, in a second possible implementation manner, the SE includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the acquisition unit acquires the number m of people required to be subjected to mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

With reference to the second possible implementation manner of the seventh aspect, in a third possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus mutually authenticate each other; the charging device deducts the charge corresponding to the m1 people from the account applied by the main payment card according to the m1 start mark information and the m1 first end mark information, and sends m2 start mark information in the m start mark information recorded by the recording unit to the charging device under the condition that the terminal and the charging device are mutually authenticated; so that the charging device deducts the charge corresponding to the m2 people from the account of the main payment card application according to the m2 start tag information and the m2 second end tag information.

With reference to the second possible implementation manner of the seventh aspect, in a fourth possible implementation manner, the enabling the SE to include at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

when t is m-1, the sending unit is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus authenticate each other; transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit to a charging apparatus in a case where the terminal and the charging apparatus are mutually authenticated; such that the billing device deducts fees from accounts of the main payment card application and accounts of m-1 sub payment card applications according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information;

Or, when t is m, the sending unit is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus authenticate each other; transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit to a charging apparatus in a case where the terminal and the charging apparatus are mutually authenticated; so that the billing device deducts a charge from the accounts of the m sub-payment card applications according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information.

In an eighth aspect, a network device is provided, which is applied to a payment card system, where a terminal includes a secure element SE, where the SE includes 1 main SE module and at least t sub-SE modules, and the main SE module corresponds to a main payment card application, and the network device includes:

a receiving unit, configured to receive at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user;

A sending unit, configured to send at least t sub payment card applications to the terminal through at least one first response message;

the receiving unit is further configured to receive at least one second request message sent by the terminal, where the at least one second request message is used to apply for applying for recharging an account applied to the at least t sub-payment cards;

a charging unit, configured to charge the account of the at least t sub-payment card applications according to the at least one second request message transmitted by the receiving unit, and when t is m-1, enable the charging device to deduct charges corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card applications; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

In a ninth aspect, there is provided a system for mobile payment, comprising:

a charging device, and any one of the terminals for mobile payment provided in the above fifth to seventh aspects;

or,

a charging device, any one of the terminals for mobile payment provided by the fifth possible implementation manner of the fifth aspect, the sixth possible implementation manner of the fifth aspect, the fourth possible implementation manner of the sixth aspect, and the fourth possible implementation manner of the seventh aspect, and the network device provided by the eighth aspect.

The method, the device and the system for mobile payment provided by the embodiment of the invention realize that the same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided. One of the methods comprises: the terminal receives the number m of people needing to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal receives m pieces of start marking information sent by the charging equipment; the start marker information includes start position information and/or start time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal records m pieces of start mark information in the SE thereof; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends m pieces of start mark information to the charging equipment, so that the charging equipment deducts the charge corresponding to m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person, and the end mark message comprises end position information and/or end time information.

Drawings

Fig. 1 is a flowchart of a method for mobile payment according to an embodiment of the present invention;

FIG. 2 is a flow chart of another method for mobile payment provided by an embodiment of the present invention;

FIG. 3 is a flow chart of another method for mobile payment provided by an embodiment of the present invention;

FIG. 4 is a flow chart of another method for mobile payment provided by an embodiment of the present invention;

FIG. 5 is a flow chart of another method for mobile payment provided by an embodiment of the present invention;

FIG. 6 is a flow chart of another method for mobile payment provided by embodiments of the present invention;

FIG. 7 is a flow chart of another method for mobile payment provided by embodiments of the present invention;

fig. 8 is a structural diagram of a terminal according to an embodiment of the present invention;

fig. 9 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 10 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 11 is a structural diagram of another terminal according to an embodiment of the present invention;

fig. 12 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 13 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 14 is a block diagram of another terminal according to an embodiment of the present invention;

Fig. 15 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 16 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 17 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 18 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 19 is a block diagram of another terminal according to an embodiment of the present invention;

fig. 20 is a block diagram of a network device according to an embodiment of the present invention;

fig. 21 is a block diagram of another network device according to an embodiment of the present invention.

Detailed Description

The method, the device and the system for mobile payment provided by the embodiment of the invention are exemplarily described below with reference to the accompanying drawings.

The method, the device and the system for mobile payment provided by the embodiment of the invention can be applied to scenes of public transportation, parking lot charging and the like of a segmented charging system.

Some terms in the embodiments of the present invention are explained below:

start flag information, end flag information: in a section charging system public traffic scene, charging is generally carried out according to the riding distance, so in the scene, the start mark information can be the position of getting on the bus (start position information), and the end mark information can be the position of getting off the bus (end position information); in a parking fee scenario, the fee is generally charged according to the parking time, and therefore, in this scenario, the start mark information may be the time to start parking (start time information), and the end mark information may be the time to end parking (end time information).

A terminal: the terminal is an NFC terminal, which may be a mobile phone, a tablet computer, or the like having an NFC function, and is used to simulate itself into an NFC card (payment card application) in a card simulation mode. The terminal includes a master controller (DH), for example, if the terminal is a mobile phone, the DH is a Central Processing Unit (CPU).

NFC card (payment card application): in a public transportation scene of a step charging system, an NFC card (payment card application) is specifically a transportation card application, and a payment card system may be specifically a public transportation system; the charging device is used for deducting the traffic card application in the public traffic system, and can be a bus-mounted toll collector (also called a vehicle-mounted machine) and the like; the vehicles for charging by sections can be buses, subways, ships and the like. In a parking charging scene, the NFC card (payment card application) is specifically a parking card, and the payment card system may be specifically a parking system; the charging equipment is used for deducting the parking card in the parking system.

The safety unit SE: a specific entity providing a secure execution environment for the payment card application may be in a physical form of a Universal Integrated Circuit Card (UICC), an SD card, a DH, an NFC chip (NFCController, NFCC), or the like.

And an SE module: an SE module may represent a block of storage in an SE that may be used to store an SE application. The SE application may include: the terminal comprises a bank card application (specifically, information of one bank card is stored in one SE module, so that the terminal has a function of the bank card), a traffic card application (specifically, information of one traffic card application is stored in one SE module, so that the terminal has a function of the traffic card application), a parking card application (specifically, information of one parking card is stored in one SE module, so that the terminal has a function of the parking card), and the like.

And a sub-SE module: the storage area can be used, namely each sub-SE module can be used as a temporary storage area of the start mark information; in addition, the sub-SE module may also be used as a virtual SE module, in which case the sub-SE module is a mirror image of the payment card application corresponding to the master SE module, but has its own separate storage area. Therefore, the sub SE module can sequentially and independently interact with the charging equipment under the control of the main SE module, and then the received start mark information during each card swiping is stored in the storage area of the sub SE module; of course, the main SE module may interact with the billing device, and then the main SE module transfers the start flag information to the sub SE module (virtual SE module). In addition, regarding the virtual SE module, it may also be in the master SE module, where m sub-SE modules may understand each virtual SE's own storage area, and still where the master SE module interacts with the billing device. It should be noted that, in this case, the master SE module directly controls the virtual SE module to store the start flag information in the corresponding sub SE module, so that the start flag information does not need to be transferred.

Payment card system: the network device may provide the payment card application to the terminal, and may further provide a service of charging an account of the payment card application, and further optionally, a service of logging off the payment card application, and the like. May be a public transportation system or a parking system, etc.

The number of people who need to carry out mobile payment at this time: in the public transportation scene of the sectional charging system, the number of people who need to carry out mobile payment at the time is the number of people who use the terminal to pay the traffic fee in the same riding process; in the parking charging scene, the number of people who need to pay the parking fee at this time is the number of people who pay the parking fee (for example, one person parks one car) in the same parking process by using the terminal.

Maximum unit price of one mobile payment: in a public transportation scene of a segmented charging system, the maximum unit price of one-time mobile payment can be the whole-course fare, and the whole-course fare refers to the whole-course fare/person/time, represents the traffic fee required by each person for taking a bus and walking the whole course each time, and particularly can be the whole-course fare of the number of buses taken by a passenger in the current city; in a parking charging scene, if the charging is carried out by hours, the maximum unit price of one-time mobile payment can be the parking fee of each vehicle per hour; if the charging is carried out by day, the maximum unit price paid by one mobile can be the parking fee of each vehicle every day and the like.

Additionally, the terms "system" and "network" are often used interchangeably herein. The term "and/or" herein is merely an association describing an associated object, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" herein generally indicates that the former and latter associated objects are in an "or" relationship. "Master" and "child" (e.g., master payment card application, child payment card application, master SE module, child SE module) are used for reference and distinction and may or may not have a master-slave relationship with each other.

Example one

Referring to fig. 1, a method for mobile payment according to an embodiment of the present invention is provided, where a terminal includes a secure element SE, and the method includes:

101: the terminal receives the number m of people needing to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2;

for example, the method provided by this embodiment is suitable for paying the fees corresponding to a plurality of people who need to make mobile payment by using the same terminal, where the start tag information and the end tag information corresponding to the plurality of people who need to make mobile payment are respectively the same. Specifically, in a segmented charging system public transportation scene, at least two persons get on the bus at the same station and get off the bus at the same station; in a parking fee scenario, at least two people start parking at the same point in time and end parking at the same point in time (taking one person parking a car as an example).

In step 101, the number m of people who need to make mobile payment this time, which is indicated by the user, may be specifically received by the DH of the terminal.

Further, the SE comprises at least one payment card application, after step 101, the method may further comprise:

Specifically, the SE includes 1 master SE module, the master SE module corresponds to a payment card application, and the terminal determines, according to the maximum unit price of the m and one-time mobile payment, that there is an enough balance in an account of the at least one payment card application for paying a fee corresponding to the m number of people who need to perform mobile payment, which may include:

a) the terminal receives the number m' of people needing to carry out mobile payment at this time, which is indicated by a user;

b) the terminal determines whether a sufficient balance exists in an account applied by a payment card corresponding to the main SE module according to the m 'and the maximum unit price of one-time mobile payment so as to pay the cost corresponding to the m' number of people who need to carry out mobile payment;

c) If yes, taking the m' as the m;

or, if not, recommending the number of people needing mobile payment at this time, which can be supported by the account of the payment card application corresponding to the master SE module, to the user according to the balance in the account of the at least one payment card application and the maximum unit price of the one-time mobile payment, so that the user indicates the m to the terminal according to the recommended number of people needing mobile payment at this time.

For example, the steps a), b), and c) may specifically be: the DH of the terminal receives the number m' of people who need to carry out mobile payment at this time and is indicated by the user; the DH sends m 'to the main SE module of SE in the terminal, confirm whether there is sufficient balance in the account that the traffic card that the said main SE module corresponds to applies to pay the traffic fee of said m' passenger by the main SE module, and when confirming the balance is insufficient, send the information that the balance is insufficient to DH, make DH through controlling voice output module or display module, etc. to point out the balance is insufficient to users. Of course, whether the balance is sufficient or not, the method may further include prompting the user for the balance, and the like.

Prior to step a), the method may further comprise: 1) a user operates the terminal to enable the terminal to run a payment card application; 2) the terminal prompts the user to input the number of people needing mobile payment at this time, and the prompting mode can be voice prompt, character prompt and the like; 3) the user inputs the number m' of people who need to pay by mobile payment according to the prompt, and the input mode can be voice input, key input and the like.

Before the terminal determines that there is a sufficient balance in the account applied by the at least one payment card according to the maximum unit price of the m and one-time mobile payment for paying the fee corresponding to the m number of people who need to make mobile payment (or before step b), the step of receiving, by the terminal, the m pieces of start marker information sent by the charging device includes: and the terminal receives first start mark information in the m pieces of start mark information sent by the charging equipment, wherein the first start mark information can contain the maximum unit price of one-time mobile payment.

For example, the first start flag information corresponds to a first card swiping action of the user, that is, after the first card swiping action, the charging device sends the first start flag information to the terminal.

In the public transportation scene of the segmented charging system, the maximum unit price of one-time mobile payment can be a whole-course fare, and the terminal can obtain the maximum unit price of one-time mobile payment in various ways, for example, the user directly inputs the maximum unit price of one-time mobile payment, or the maximum unit price of one-time mobile payment is stored in the terminal in advance, or the maximum unit price of one-time mobile payment is obtained through a charging device, and the like. In the following embodiments, the maximum unit price of one mobile payment obtained by the charging device is taken as an example for explanation.

The following description takes a public transportation scene of the step charging system as an example:

step b) may comprise: the terminal determines whether the terminal has enough balance for paying the traffic fees of m 'passengers according to the m' and the whole fare. The concrete implementation is as follows: recording the whole fare as a, recording the balance in the account applied by the traffic card corresponding to the main SE module as W, and comparing the W with the size of a multiplied by m'; if W is more than or equal to a multiplied by m ', the account applied by the traffic card has enough balance for paying the traffic fee of m' passengers; otherwise there is not enough balance in the account of the transportation card application for paying the transportation fees of m' passengers.

In step c), if there is not enough balance in the account of the transportation card application for paying the transportation fee of m' passengers, the method may further comprise: the terminal prompts the user that the balance is insufficient and prompts the user to re-input the number of people who need to carry out mobile payment at the time; the terminal can further recommend the maximum number M of people needing mobile payment for the time to the user, wherein M is a value obtained by dividing W by a and rounding down, and the number M of people needing mobile payment for the time, which is not more than M, can be reset by the user according to the prompt. In the following embodiments, the following embodiments are all described by taking an example in which the terminal recommends the largest number of people that can be supported by the transportation card application and that need to be subjected to mobile payment to the user.

102: under the condition that the terminal and charging equipment are mutually authenticated, the terminal receives the m pieces of start mark information sent by the charging equipment; the start marker information comprises start position information and/or start time information; wherein, the terminal receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

illustratively, step 102 may include: and under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sequentially receives the m pieces of start mark information sent by the charging equipment. The mutual authentication between the terminal and the charging device is specifically as follows: the user moves the terminal to a position where it can communicate with the billing device, that is, the terminal authenticates with the billing device each time the user swipes the card (terminal).

Optionally, the method may further include: after the user swipes the card once, the terminal prompts the user of the number of times of swiping the card, for example, if m is 5, when the number of times of swiping the card by the user is 3 rd, the terminal may display 3/5 characters on the display screen, or prompt the user that the number of times of swiping the card is 3, the number of times of not swiping the card is 2, and the like by voice and the like.

103: the terminal records the m pieces of start mark information in the SE respectively;

illustratively, each time a user swipes a card, the charging equipment sends a start mark message to the SE of the terminal, and the SE records the start mark message; after the user swipes the card m times, the SE records m pieces of start mark information.

In the segmented charging system public transportation scenario, a single-time bus taking may be divided into two parts, namely, a getting-on process and a getting-off process, and step 101-: the terminal prompts the user that the boarding process is finished, for example, "boarding card swiping finish" and the like can be displayed on a display screen of the terminal.

104: under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends the m pieces of start mark information to the charging equipment, so that the charging equipment deducts the charges corresponding to the m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information; and the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

Illustratively, step 104 may include: and under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sequentially sends the m pieces of start mark information to the charging equipment. The method specifically comprises the following steps: the user swipes a card once, the terminal sends a start mark message to the charging equipment, the charging equipment receives the start mark message, then obtains an end mark message, and deducts a charge corresponding to a person according to the start mark message and the end mark message.

In the sectional charging system public transportation scene, the end mark information includes the getting-off position information of the passenger, the getting-off time, and the like. This step 104 may be a getting-off process, and when the getting-off process is finished, optionally, the method may further include: the terminal prompts the user that the getting-off process is finished, for example, "the getting-off card swiping finish" and the like can be displayed on a display screen of the terminal.

It should be noted that, in the embodiment of the present invention, a method for acquiring the start flag information and the end flag information by the charging device is not limited. For example, in a public transportation scene of the charging segment system, the station position information and the like can be acquired by a Global Positioning System (GPS) method, a manual method, or the like. The position information of the boarding station is the position information of the boarding, and the position information of the disembarking station is the position information of the disembarking.

Further, the SE includes at least one payment card application, and the deducting, by the charging device, the fee corresponding to the m number of people from the terminal specifically includes: so that the billing device deducts a fee corresponding to the m people from an account applied by at least one payment card of the SE.

Further, the SE includes 1 master SE module and at least t sub-SE modules; the sub SE module is preset in the SE, or the main SE module generates the sub SE module according to the sub SE module after the terminal receives the number m of people required to carry out mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

For example, see above for a description of sub-SE modules.

1. The sub-SE module is preset in the SE, and may include but is not limited to implementation in scenario 1:

scene 1: the SE including at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, and each sub payment card application is bound with the main payment card application and shares an account of the main payment card application.

The method can be specifically realized by the following steps:

before the terminal receives the number m of people needing mobile payment, indicated by a user, of the people, the number m of which is needed to be subjected to mobile payment, the main payment card application corresponding to the main SE module binds s sub-payment card applications in advance, the terminal generates s sub-SE modules according to the number s of the sub-payment card applications bound by the payment card system, one sub-payment card application is stored in each sub-SE module, s is larger than or equal to t, and t comprises: m or m-1. For example, when issuing a main payment card application (corresponding to the main SE module), the card issuer binds to multiple sub-payment card applications that may share the account of the main payment card application, and optionally, one sub-payment card application may be stored in one sub-SE module.

In this scenario, steps 102 and 103 may include:

the main SE module receives first starting mark information in the m pieces of starting mark information sent by the charging equipment; the main SE module selects and activates a first sub-SE module in the s sub-SE modules and t-1 sub-SE modules except the first sub-SE module in the s sub-SE modules; the master SE module transfers the first start marker information to the first sub-SE module; such that said first sub-SE module records said first start marker information; when t is m-1, the t-1 sub-SE module respectively receives and records one piece of start mark information except the first start mark information and the mth start mark information in the m pieces of start mark information sent by the charging equipment; or, when t is m, the t-1 sub-SE module receives and records one piece of start mark information except the first piece of start mark information in the m pieces of start mark information sent by the charging device, respectively. Specifically, see 1), 2), 3) below.

1) User 1 st card swiping

The method comprises the steps that a main SE module receives first start mark information in m start mark information sent by charging equipment; the main SE module selects and activates a first sub SE module in the s sub SE modules; the main SE module transfers first start mark information to the first sub SE module; such that the first sub-SE module records the first start mark information.

2) The user swipes the card from 2 nd time to m-1 th time

When a user swipes a card once, the main SE module selects and activates one sub SE module except the first sub SE module in the s sub SE modules; so that the selected sub-SE module receives and records one piece of start mark information, except for the first start mark information and the mth start mark information, of the m pieces of start mark information sent by the charging equipment.

And 2) after the step 2) is finished, the main SE module selects and activates m-1 sub SE modules in the s sub SE modules.

3) User m-time card swiping

When t is m-1, the master SE module receives and records the mth start mark information in step 3).

When t is m, in step 3), the master SE module selects and activates one of the s sub SE modules except for the selected sub SE module in step 1) and step 2), so that the selected sub SE module receives and records the mth start mark information sent by the charging equipment; alternatively, the master SE module receives and records the mth start marker information.

In this scenario, the deducting, by the charging device, the fee corresponding to the m people from the account applied to the at least one payment card of the SE includes: so that the charging equipment deducts the charge corresponding to the m people from the account applied by the main payment card. 2. After the terminal receives the number m of people who need to make mobile payment, which is indicated by the user, the sub-SE module is generated according to the m, and the sub-SE module can be implemented in a scene 2 and a scene 3, including but not limited to:

scene 2: the SE including at least one payment card application includes: the main SE module corresponds to a main payment card application; and after the terminal receives the number m of people needing mobile payment at this time indicated by the user, the main SE module generates t sub SE modules according to the m.

In this scenario, step 102 may specifically be: and under the condition that the terminal and the charging equipment are mutually authenticated, a main SE module of the terminal sequentially receives m pieces of start mark information sent by the charging equipment.

In this scenario, step 103 may include:

when t is m-1, the main SE module respectively allocates identifiers for the m-1 sub SE modules, and respectively transfers one piece of start mark information except the mth start mark information in the m pieces of start mark information to each sub SE module; or when t is m, the master SE module allocates an identifier to each of the m sub-SE modules, and transfers one piece of start mark information of the m pieces of start mark information to each sub-SE module. Specifically, each time a user swipes a card, the main SE module generates a sub SE module and assigns an identifier to the sub SE module, and the sub SE module is used for recording start mark information sent by the charging device in the current card swiping process. The mth start mark information corresponds to the mth card swiping action of the user.

In this scenario, step 104 may include:

the main SE module reads t pieces of start mark information recorded in the t sub SE modules; and the master SE module sends the t pieces of start mark information to the charging equipment. Specifically, each time the user swipes the card once, the main SE module reads the start mark information in one sub SE, and sends the start mark information to the charging equipment, so that the charging equipment can clear and deduct the fee.

In this scenario, the deducting, by the charging device, the fee corresponding to the m people from the account applied to the at least one payment card of the SE includes: so that the charging equipment deducts the charge corresponding to the m people from the account applied by the main payment card.

Scene 3: the SE including at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application is applied to a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system.

The method can be specifically realized by the following steps:

after the terminal receives the number m of people needing mobile payment at this time, which is indicated by a user, the main SE module generates t sub SE modules according to the m; the terminal sends a first request message to a payment card system, wherein the first request message is used for applying for t sub-payment card applications; the terminal receives a first response message sent by the payment card system according to the first request message; the first response message contains t sub-payment card applications. In addition, the method further includes a process (denoted by a) that the payment card system applies a value charging to the sub-payment card, and specifically may be: the terminal sends a second request message to the payment card system, wherein the second request message is used for applying for account recharging applied to the t sub-payment cards; enabling the payment card system to recharge the accounts applied to the t sub-payment cards respectively according to the second request message, and sending a second response message to the terminal after the accounts applied to the t sub-payment cards are recharged; the second response message is used for informing the terminal of a recharging result; and the terminal receives the second response message sent by the payment card system.

In this scenario, steps 102 and 103 may include:

the main SE module receives first starting mark information in the m pieces of starting mark information sent by the charging equipment; the main SE module selects a first sub-SE module in the t sub-SE modules and other t-1 sub-SE modules except the first sub-SE module in the t sub-SE modules; the master SE module transfers the first start marker information to the first sub-SE module; such that said first sub-SE module records said first start mark information. When t is m-1, each sub-SE module in the other t-1 sub-SE modules respectively receives and records one piece of start mark information except the first start mark information and the mth start mark information in the m pieces of start mark information sent by the charging equipment; or, when t is m, each of the other t-1 sub-SE modules receives and records one piece of start mark information, except the first piece of start mark information, of the m pieces of start mark information sent by the charging device, respectively.

Specifically, the specific implementation process from the 1 st time card swiping to the m th time card swiping may refer to the above steps 1), 2) and 3), it should be noted that the difference between the scene 3 and the specific implementation steps of the steps 102 and 103 in the scene 1 is that in the scene 1, the main SE module sequentially selects the sub SE modules from the s sub SE modules, and in the scene 3, the main SE module sequentially selects the sub SE modules from the t sub SE modules; in addition, the action of activating the selected sub-SE module is not required in scenario 3.

In scenario 3, the terminal and the payment card system may communicate via a wireless network or the like. In this scenario, optionally, the method may further include: B) after the fee is deducted by the charging equipment, the payment card system transfers the balance in the application of the sub-payment card in the terminal to the application of the original traffic card corresponding to the main SE module; in addition, the method may further include: C) and the payment card system logs out the sub payment card application in the terminal so as to enable the terminal to release resources. See B) and C) below for specific implementation processes.

B) After the terminal sends the m pieces of start marker information to the charging device, the method may further include: the terminal sends a third request message to the payment card system, wherein the third request message is used for applying for transferring the balance in the account of the sub-payment card application, so that the payment card system transfers the balance in the account of the sub-payment card application to the account of the payment card application corresponding to the main SE module according to the third request message, and sends a third response message to the terminal after the balance in the account of the sub-payment card application is transferred to the account of the payment card application corresponding to the main SE module; the third response message is used for informing the terminal of a balance transfer result in the account applied by the sub payment card; and the terminal receives the third response message sent by the payment card system.

C) On the basis of A) or B), the method can further comprise: the terminal sends a fourth request message to the payment card system, wherein the fourth request message is used for applying for canceling the sub-payment card application, so that the payment card system cancels the sub-payment card application according to the fourth request message; and the terminal receives a fourth response message sent by the payment card system. Wherein the fourth response message may contain information such as the cancelled sub-payment card application.

It should be noted that, for the processes of applying for the sub payment card application, applying for the value charging for the sub payment card application, applying for the transfer of the balance of the sub payment card application, and canceling the sub payment card application, see the following embodiment 3. It should be noted that the sub-payment card application may be recharged in various ways, for example, the payment card system may transfer a fixed amount from the account of the main payment card application to the account of the sub-payment card application, or may transfer a fixed amount from the bound bank card account to the account of the sub-payment card application; wherein, the fixed balance of the transfer is generally the maximum unit price of one mobile payment.

In this scenario, the deducting, by the charging device, the fee corresponding to the m people from the account applied to the at least one payment card of the SE includes: when t is m-1, the charging equipment deducts the charge corresponding to the m people from the account applied by the main payment card and the account applied by the m-1 sub payment cards; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

It should be noted that the embodiment of the present invention may also be applied to other optional scenarios, for example:

i) the main SE module corresponds to a main payment card application, and each sub SE module is preset in the SE. The main SE module may directly transfer the start flag information to the sub SE module, and the specific implementation process may refer to scenario 2 of above 2.

ii) the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub SE module is preset in the SE, and each sub payment card application is applied to the payment card system by the terminal. The master SE module may store the applied sub-payment card application in the corresponding sub-SE module.

And iii) the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, and the sub SE modules are generated by the main SE module according to m, are bound with the main payment card application and share the account of the main payment card application. The main SE module can sequentially control the sub payment card application and the charging equipment to carry out mutual authentication and interaction so as to directly store or transfer the start mark information received by each sub payment card application into each sub SE module; or, the main SE module may also sequentially distribute the bound sub-payment card applications to each sub-SE module, and sequentially control the sub-payment card applications to perform mutual authentication and interaction with the charging device, so as to directly store the start tag information received by each sub-payment card application in each sub-SE module.

Of course, for the above scenarios i) to iii), the sub SE modules may also be partially preset in the SE, and partially generated by the main SE module according to m and the preset number of sub SE modules, and the specific implementation process may refer to the above embodiment section, which is not described herein again.

According to the method for mobile payment provided by the embodiment of the invention, a terminal receives m number of people required to be subjected to mobile payment at this time and indicated by a user, wherein m is more than or equal to 2, receives m pieces of start mark information sent by charging equipment under the condition of mutual authentication with the charging equipment, records the m pieces of start mark information in a safety unit SE of the terminal, and sends the m pieces of start mark information to the charging equipment under the condition of mutual authentication with the charging equipment; so that the charging equipment deducts the charges corresponding to m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Example two

Referring to fig. 2, a method for mobile payment according to an embodiment of the present invention is provided, where a terminal includes a secure element SE, and the method includes:

201: the terminal receives the number n1 of people who need to carry out mobile payment for the first time and indicated by the user, wherein n1 is more than or equal to 1; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal receives n1 pieces of first start marker information sent by the charging equipment and records the n1 pieces of first start marker information in the SE, wherein the start marker information comprises start position information and/or start time information, and the terminal receives one piece of start marker information sent by the charging equipment every time the terminal and the charging equipment are mutually authenticated;

for example, the method provided by this embodiment is suitable for paying the fees corresponding to a plurality of people who need to make mobile payment by using the same terminal, where the start tag information and the end tag information corresponding to the plurality of people who need to make mobile payment are different, and specifically, in a segmented charging system public transportation scenario, at least two people get on the bus at different stations and get off the bus at the same station; in a parking fee scenario, at least two people start parking at different points in time and end parking at the same point in time (taking one person parking a car as an example).

It should be noted that, implementation of each step in this embodiment may refer to embodiment one, and relevant descriptions in this embodiment may refer to relevant parts of embodiment one.

202: the terminal receives the number n2 of people who need to carry out mobile payment for the second time, wherein n2 is more than or equal to 1, and the number n2 is indicated by the user; under the condition that the terminal and the charging equipment are mutually authenticated, the terminal receives n2 pieces of second start marker information sent by the charging equipment, and the n2 pieces of second start marker information are recorded in the SE;

for example, the start marker information may include start position information and/or start time information, and the start marker information may include: the first start marker information comprises first start position information and/or first start time information, or the second start marker information comprises second start position information and/or second start time information; the receiving, by the terminal, one piece of the start flag information sent by the charging device every time the terminal and the charging device authenticate each other may include: and the terminal receives a first start mark message or a second start mark message sent by the charging equipment every time the terminal and the charging equipment authenticate each other.

203: in a case where the terminal and the charging apparatus are mutually authenticated, the terminal transmitting n1+ n2 pieces of start marker information to the charging apparatus, the n1+ n2 pieces of start marker information including the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the n1+ n2 people from the terminal according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; and the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person, and the ending mark information comprises ending position information and/or ending time information.

For example, each time the terminal and the charging device mutually authenticate each other, the terminal sends one piece of start flag information to the charging device, and the start flag information includes: and the terminal sends a first start mark message or a second start mark message to the charging equipment every time the terminal and the charging equipment authenticate each other.

Optionally, the SE includes at least one payment card application, and the deducting, by the charging device, the fee corresponding to the n1+ n2 people from the terminal is specifically: such that the billing device deducts a fee corresponding to the n1+ n2 people from an account of at least one payment card application of the SE.

Optionally, the SE includes 1 main SE module and at least t sub SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number of people indicated by the user to be paid for the first time n1 and the terminal receives the number of people indicated by the user to be paid for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

For example, see above for a description of sub-SE modules.

scene 1: the SE including at least one payment card application includes: the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; and the sub payment card applications are bound with the main payment card application and share the account of the main payment card application.

In this scenario, the deducting, by the charging device, the fee corresponding to the n1+ n2 people from the account applied to the at least one payment card of the SE includes: so that the billing device deducts the fees corresponding to the n1+ n2 people from the account of the primary payment card application.

2. The sub-SE module is generated after the terminal receives the number of people indicated by the user to pay for the first time n1 and the terminal receives the number of people indicated by the user to pay for the second time n 2. May include, but are not limited to, implementation in scenario 2 and scenario 3:

scene 2: the SE including at least one payment card application includes: the master SE module corresponds to a master payment card application.

In this scenario, the deducting, by the charging device, the fee corresponding to the n1+ n2 people from the account applied to the at least one payment card of the SE includes: when t is n1+ n2-1, the charging equipment deducts the charge corresponding to the n1+ n2 people from the account of the main payment card application and the account of the n1+ n2-1 sub payment card application; or when t is n1+ n2, the charging equipment deducts the fee corresponding to the n1+ n2 people from the account applied by the n1+ n2 sub payment cards.

In addition, the sub-SE module is generated after the terminal receives the number of people requiring mobile payment for the first time n1 indicated by the user and the number of people requiring mobile payment for the second time n2 indicated by the user, and specifically includes but is not limited to the following three implementation manners:

1) the master SE module generates n1-1 sub-SE modules from n1 and n2 sub-SE modules from n 2.

2) The master SE module generates n1 sub-SE modules from n1 and n2-1 sub-SE modules from n 2.

3) The master SE module generates n1 sub-SE modules from n1 and n2 sub-SE modules from n 2.

Wherein, in case of 1) and 2), the terminal records n1+ n2 start mark information in 1 main SE module and n1+ n2-1 sub SE modules, and in case of 3), the terminal may record n1+ n2 start mark information in 1 main SE module and n1+ n2-1 sub SE modules, and may also record n1+ n2 start mark information in n1+ n2 sub SE modules.

Further, the present embodiment is different from the charging device in the first embodiment in the charging condition: in the first embodiment, the charging device deducts the charges corresponding to m individuals according to the m pieces of start tag information and the m pieces of end tag information, and deducts m pieces of the same charges. In this embodiment, the charging device deducts charges corresponding to n1+ n2 individuals according to n1 pieces of first start tag information, n2 pieces of second start tag information, and n1+ n2 pieces of end tag information, and deducts n1 pieces of first charges and n2 pieces of second charges, where the first charges and the second charges are different.

It should be noted that the final fee deduction result of the charging device is related to the first start flag, the number of the first start flag information, the second start flag, the number of the second start flag, and the end flag information, and is not related to the first deduction of the fee calculated by the first start flag and the end flag information, or the first deduction of the fee calculated by the second start flag information and the end flag information, so in this embodiment, in the process of sending n1+ n2 pieces of start flag information to the charging device, the first sending of the first start flag information or the second start flag information is not limited.

i) the main SE module corresponds to a main payment card application, and each sub SE module is preset in the SE. The main SE module may directly transfer the start flag information to the sub SE module, and the specific implementation process may refer to scenario 2 in embodiment 1.

In the method for mobile payment provided by the embodiment of the invention, a terminal receives the number of people needing mobile payment for the first time n1 and the number of people needing mobile payment for the second time n2, n1 is more than or equal to 1, n2 is more than or equal to 1, and in the case of mutual authentication with a charging device, receives n1 pieces of first start marker information and n2 pieces of second start marker information sent by the charging device, records the n1 pieces of first start marker information and the n2 pieces of second start marker information in the SE, wherein the start marker information comprises start position information and/or start time information, and in the case of mutual authentication with the charging device, sends n1+ n2 pieces of start marker information to the charging device, wherein the n1+ n2 pieces of start marker information comprise n1 pieces of first start marker information and n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to n1+ n2 people from the terminal according to the n1+ n2 pieces of start marker information and the acquired n1+ n2 pieces of end marker information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

EXAMPLE III

Referring to fig. 3, a method for mobile payment according to an embodiment of the present invention is provided, where a terminal includes a secure element SE, and the method includes:

301: the terminal receives the number m of people needing to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2;

for example, the method provided by this embodiment is suitable for paying the fees corresponding to a plurality of people who need to make mobile payment by using the same terminal, where the start tag information and the end tag information corresponding to the plurality of people who need to make mobile payment are the same, and the end tag information is different, specifically, in a segmented charging system public transportation scenario, at least two people get on the vehicle at the same time and get off the vehicle at different stations; in a parking fee scenario, at least two people start parking at the same point in time and end parking at different points in time (taking one person parking a car as an example).

302: under the condition that the terminal and charging equipment are mutually authenticated, the terminal receives m pieces of start marker information sent by the charging equipment, wherein the start marker information comprises start position information and/or start time information; wherein, the terminal receives the start marking information sent by the charging device every time the terminal and the charging device authenticate each other;

303: the terminal records the m pieces of start mark information in the SE;

304: under the condition that the terminal and charging equipment are mutually authenticated, the terminal sends m1 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m1 is more than or equal to 1 and less than m, and the terminal sends one piece of start marker information to the charging equipment every time the terminal and the charging equipment are mutually authenticated; so that the charging equipment deducts the charge corresponding to the m1 people from the terminal according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; the terminal sends the starting mark information to the charging equipment every time the terminal and the charging equipment authenticate each other, so that the charging equipment deducts the charge corresponding to one person;

305: under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends m2 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, m1+ m2= m.

Optionally, the SE comprises at least one payment card application;

Optionally, the SE includes 1 main SE module and at least t sub SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number m of people needing to carry out mobile payment at this time, wherein the number m is indicated by the user; the t comprises: m or m-1;

For example, see above for a description of sub-SE modules.

scene 1: the SE including at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application.

In this scenario, the deducting, by the charging device, the fee corresponding to the m1 people from the account applied to the at least one payment card of the SE includes: the method comprises the steps of enabling the charging equipment to deduct the charge corresponding to the m1 people from the account of the main payment card application, and enabling the charging equipment to deduct the charge corresponding to the m2 people from the account of at least one payment card application of the SE comprises the following steps: so that the billing device deducts the charge corresponding to the m2 people from the account of the primary payment card application.

2. The sub-SE module is generated after the terminal receives the number m of people needing to carry out mobile payment at this time, which is indicated by the user. May include, but are not limited to, implementation in scenario 2 and scenario 3:

In this scenario, the causing the charging device to deduct a fee from an account of at least one payment card application of the SE includes: when t is m-1, the charging equipment deducts the fee from the account of the main payment card application and the account of the m-1 sub payment card application; or when t is m, the charging device deducts the fee from the account applied by the m sub-payment cards.

It should be noted that, the charging device deducts the charges corresponding to m individuals according to the m pieces of start mark information and the m pieces of end mark information, and deducts the same charges except m pieces of charges; in this embodiment, the charging device deducts charges corresponding to m1+ m2 individuals according to m1+ m2 pieces of start tag information, m1 pieces of first end tag information and m2 pieces of second end tag information, and deducts m1 pieces of first charges and m2 pieces of second charges, where the first charges and the second charges are different.

According to the method for mobile payment provided by the embodiment of the invention, a terminal receives the number m of people required to be subjected to mobile payment at this time and indicated by a user, wherein m is more than or equal to 2, and under the condition that the terminal and a charging device are mutually authenticated, m pieces of start mark information sent by the charging device are received, the m pieces of start mark information are recorded in an SE, and under the condition that the terminal and the charging device are mutually authenticated, m1 pieces of start mark information in the m pieces of start mark information are sent to the charging device, wherein m1 is more than or equal to 1 and less than or equal to m1 and less than m; so that the charging equipment deducts the charge corresponding to m1 people from the terminal according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; and under the condition of mutual authentication with the charging equipment, sending m2 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start mark information and the acquired m2 pieces of second end mark information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Example four

Referring to fig. 4, another method for mobile payment provided in the embodiment of the present invention is a terminal including a secure element SE, where the SE includes 1 main SE module and at least t sub-SE modules, and the main SE module corresponds to a main payment card application, where the method includes:

401: the payment card system receives at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user;

402: the payment card system sends at least t sub payment card applications to the terminal through at least one first response message;

403: the payment card system receives at least one second request message sent by the terminal, wherein the at least one second request message is used for applying for account recharging applied to the at least t sub-payment cards;

404: the payment card system charges the account of the at least t sub-payment card applications according to the at least one second request message, and when t is m-1, the charging equipment deducts the cost corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card application; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

Optionally, the method may further include:

the payment card system receives a third request message sent by the terminal, wherein the third request message is used for applying for transferring balance in an account applied by the t sub-payment cards;

the payment card system transfers the balance in the account applied by the t sub-payment cards to the account applied by the payment card corresponding to the main SE module of the terminal according to the third request message, and sends a third response message to the terminal after transferring the balance in the account applied by the t sub-payment cards to the account applied by the payment card corresponding to the main SE module of the terminal; and the third response message is used for informing the terminal of the balance transfer result in the account applied by the sub-payment card.

Further optionally, the method may further include: the payment card system receives a fourth request message sent by the terminal, wherein the fourth request message is used for applying for canceling the application of the t sub-payment cards; the payment card system logs off the t sub-payment card applications according to the fourth request message; and transmitting a fourth response message to the terminal. Wherein the fourth response message may include information such as a result of logging out the sub-payment card application.

In the method for mobile payment provided in the embodiment of the present invention, a payment card system makes each sub-SE module correspond to a sub-payment card application through at least one first request message sent by a receiving terminal, where the first request message is used for applying for the sub-payment card application for the t sub-SE modules, and t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user; sending at least t sub-payment card applications to the terminal through at least one first response message; the method comprises the steps that at least one second request message for applying for recharging the account applied by at least t sub-payment cards is sent by a receiving terminal, the account applied by at least t sub-payment cards is recharged according to the at least one second request message, and when t is m-1, the charging equipment deducts the charge corresponding to m people from the account applied by a main payment card and the account applied by m-1 sub-payment cards; or when t is m, the charging equipment deducts the charge corresponding to m people from the account applied by the m sub payment cards. The terminal realizes that the same terminal (which can be used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in the public traffic scene of the segmented charging system, provides convenience for passengers to go out, and further ensures that the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

The method provided by the first embodiment is described below through several specific embodiments, and it should be noted that, in the following specific embodiments, in a public transportation scene of the split charging system, in a case where multiple persons take a bus and cannot use one transportation card at a time, and passengers who use the same NFC terminal for payment get on and off the bus at the same time, the description is given below. In this scenario, the start mark information is referred to as boarding mark information, the end mark information is referred to as alighting mark information, the start position information is referred to as boarding position information, and the end position information is referred to as alighting position information.

Example 1

The method for mobile payment is applied to a public traffic scene of a step charging system, the scene comprises a terminal and charging equipment, the terminal comprises an SE, the SE comprises 1 main SE module, the main SE module corresponds to a traffic card application, after the terminal receives a number m of people needing mobile payment at this time and indicated by a user, the main SE module generates m sub SE modules, m is the number of people needing mobile payment at this time, and m is more than or equal to 2; the m boarding mark information is respectively recorded in the m sub-SE modules.

Referring to fig. 5, the method includes:

Step A1: the user selects the traffic card application from the SE application and indicates the number m of people who need to carry out mobile payment to the terminal;

illustratively, a terminal may contain multiple SE applications, which may include, for example, a bank card application, a transportation card application, a membership card application, and the like. The user can input the number m of people needing to be subjected to mobile payment to the terminal through a terminal interface, or indicate the number m of people needing to be subjected to mobile payment to the terminal in a voice mode and the like.

Step A2: the DH sends m to the main SE module, the main SE module stores m, then responds to the DH and initializes a counter, namely count =0, and the count is used for counting the card swiping times;

illustratively, the master SE module holds m to control the incrementing and decrementing of the counter according to m.

Step A3: boarding card swiping process

A3-1, the main SE module of the terminal and the charging device complete the mutual authentication, and the charging device writes a boarding mark information into the main SE module; the boarding mark information comprises a boarding position, a whole fare price a, boarding time and the like;

a3-2, the master SE judges whether the maximum sum (product of m and a) of the sum required by the bus taking is not more than the account balance applied by the transportation card;

a3-2-1, if not, informing the user of the account balance applied by the traffic card through DH, and the maximum number M of the available people, and prompting the user to reset M, wherein the reset M is less than or equal to M;

After the user resets m, the master SE module updates m saved in step A2 and continues to execute step A3-3;

a3-2-2, if yes, informing the user of the account balance of the transportation card application through DH, and continuing to execute step A3-3;

a3-3, the main SE module generates a sub SE module [ count ] and distributes an identifier (marked as ID [ count ]), and the sub SE module [ count ] responds to the main SE module; wherein, the sub-SE module [ count ] represents a second count sub-SE module;

it should be noted that the master SE module may also preset n sub-SE modules before receiving m, and assign an identifier to each sub-SE module. If n is greater than or equal to m, the main SE module may directly use the sub SE module, as shown in the following step a 3-4; if n is less than m, the master SE module needs to generate at least (m-n-1) sub-SE modules.

A3-4, the main SE module sends a command for transferring the boarding mark information received in the current card swiping to a sub SE module [ count ], wherein the command also comprises an identification ID [ count ] of the sub SE module; the sub SE module [ count ] responds to the main SE module;

illustratively, after the first card swipe, step a3-4 is: the master SE module sends a command to transfer the get-on tag information of the current card swipe (i.e., the get-on tag information described in step a 3-1) to the sub SE module [0], which sub SE module [0] responds to the master SE module.

A3-5, after the counter count is added by 1, the main SE module informs the user that the card swiping is successful through DH;

for example, the DH may notify the user that the card swiping operation is successful in this time through a voice manner or an interface display manner, for example, if 3 persons use the same transportation card application (i.e., m = 3), after the 1 st card swiping operation while getting on the vehicle, the "1/3 th card swiping operation for the vehicle is displayed.

A3-6, the main SE module judges whether the counter is smaller than the number of people who need to make mobile payment for the transportation card application, namely count < m?

A3-6-1, if not, informing the user of the card swiping end in the boarding stage through a DH.

A3-6-2, if yes, continuing to execute the step A3-7;

a3-7, executing the step A3-1, and then jumping to the step A3-3;

the dashed boxes in fig. 5 are used to indicate: the terminal executes the steps in the dashed line box (step A3-2) during the 1 st card swiping time, and does not execute the steps in the dashed line box (step A3-2) during the 2 nd to m-th card swiping times.

After the card swiping on the vehicle is finished, the counter count = m.

Step A4: lower car card swiping process

A4-1, main SE module and charging device carry out mutual authentication;

illustratively, before the first performing of step a4-1, the method may further include: the user selects the transportation card application and determines to alight.

A4-2, the main SE module sends a command for reading the boarding tag to the sub SE module [ m-count ], wherein the command comprises the identification ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] transfers boarding mark information to the main SE module;

a4-3, the main SE module sends the mark information of getting on the bus to the charging device, the charging device deducts the corresponding riding fee from the account applied by the traffic card after receiving the mark information of getting on the bus, and sends the user data after deducting the fee to the main SE module, the user data can include the information of deducting the fee this time, the balance of the card account, etc.;

a4-4, the main SE module sends a resource releasing command to the sub SE module [ m-count ], wherein the command comprises the identifier ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] responds to the main SE module and releases resources;

a4-5, after the counter count is reduced by 1, the main SE module informs the user that the card swiping and fee deduction is successful through DH;

for example, suppose that 3 persons use the same transportation card application (i.e., m = 3), after the 1 st card swiping in the vehicle, the "successful settlement of the [1/3] th card swiping in the vehicle, this fee deduction xxx element and the card account balance xxx element" are displayed.

A4-6, the master SE module determines whether the counter is greater than 0, i.e. count > 0?

A4-6-1, if not, informing the user of the completion of card swiping in the unloading stage through DH.

A4-6-2, if yes, continuing to execute the step A4-1;

it should be noted that the present embodiment is described in terms of a scenario in which multiple passengers get on and off simultaneously. For a scene that multiple passengers do not get on the vehicle at the same time but get off the vehicle at the same time, after the step A3-7 is completed, the number of people who need to pay for mobile payment this time (note that the counter is the number of people who need to pay for mobile payment last time) is input again, and the steps A3-1 to A3-7 are executed in a circulating manner; for the scenario that multiple passengers get on the vehicle at the same time but do not get off the vehicle at the same time, after the step a4-5 is completed, the remaining passengers continue to swipe the card to get off the vehicle, i.e., the steps a4-1 to a4-5 are executed in a loop until the step a 4-6.

The method for mobile payment provided by the embodiment of the invention is applied to a public transportation scene of a step charging system, a terminal generates m sub-SE modules according to the number m of people needing mobile payment at this time input by a user, and when a user gets on a bus and swipes a card, the main SE module gradually transfers the mark information written by a charging device to one of the sub-SE modules; when the bus is unloaded and the card is swiped, the main SE module successively reads the boarding mark information from the sub SE module and sends the boarding mark information to the charging equipment so that the charging equipment can deduct the riding cost corresponding to m persons in sequence; and after the fee deduction is completed, releasing the sub SE module resources. The terminal realizes that the same terminal (used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in the public traffic scene of the segmented charging system, provides convenience for passengers to go out, and further enables the users to have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Example 2

The method for mobile payment provided by the embodiment of the invention is applied to a public transport scene of a segmented charging system, and the scene comprises a terminal and charging equipment. The usage scenario of this embodiment is: when the card issuer issues the main transportation card application (corresponding to the main SE module), a plurality of sub transportation card applications which can share the account of the main transportation card application are bound for the main transportation card application and are respectively stored in the s sub SE modules. The terminal comprises an SE, wherein the SE comprises 1 main SE module and s sub SE modules, and a main transportation card application corresponding to the main SE module is pre-bound with s sub payment card applications, so that the sub SE modules correspond to the transportation card applications one to one. s is more than or equal to m, m is the number of people needing mobile payment at this time, and m is more than or equal to 2; the m boarding mark information is respectively recorded in the m sub-SE modules.

It should be noted that only the differences between the first embodiment and the second embodiment are described below, and the same contents as those in the first embodiment are not described again here.

Referring to fig. 6, the method includes:

step B1 and step B2 were the same as step a1 and step a2 of example one.

Step B3: boarding card swiping process

B3-1 and B3-2 are the same as A3-1 and A3-2, respectively, of example one.

B3-3, the main SE module sends a selection command to the sub SE module [ count ], wherein the selection command comprises the identifier ID [ count ] of the sub SE module; the sub SE module [ count ] responds to the main SE module; wherein, the sub-SE module [ count ] represents a second count sub-SE module;

for example, when issuing a main transportation card application (corresponding to the main SE module), an issuer holds a plurality of sub transportation card applications, for which an account that can share the main transportation card application, in a corresponding number of sub SE modules, respectively.

Taking the Beijing municipal transportation one-card as an example, if one traffic card application card number is 1000751012345670, wherein 1000 is a city code representing the Beijing city, 7510 is an industry code representing municipal transportation, and the following eight digits constitute an issuing sequence number, the nine card numbers 1000751012345671 to 1000751012345679 can be bound to the traffic card application as sub-card numbers, and the traffic card application is called a main traffic card application.

It should be noted that the sub-SE modules may also be generated by the main SE module according to m, and the main SE module may sequentially control the sub-transportation card applications and the charging device to perform mutual authentication and interaction, so as to directly store or transfer the boarding mark information received by each sub-transportation card application to each sub-SE module; or, the main SE module may also sequentially distribute the bound sub-transportation card applications to each sub-SE module, and sequentially control the sub-transportation card applications to perform mutual authentication and interaction with the charging device, so as to directly store the boarding flag information received by each sub-transportation card application into each sub-SE module.

B3-4, the main SE module sends a command for transferring the boarding mark information received in the current card swiping to a sub SE module [ count ], wherein the command also comprises an identification ID [ count ] of the sub SE module; the sub SE module [ count ] responds to the main SE module and is set to be in a locking state by self to prevent being selected again by the main SE module;

illustratively, after the first card swiping, the process of executing the step B3-4 is as follows: the main SE module sends a command for transferring the boarding mark information of the current card swiping to the SE module [0 ]; the sub-SE module [0] is responsive to the master SE module and is self-set to a locked state to prevent re-selection by the master SE module.

It should be noted that, in this embodiment, the main SE module obtains the full fare included in the first boarding flag information by receiving the first boarding flag information, and determines whether the account balance applied by the main transportation card is enough for the number of people who need to perform mobile payment this time according to the full fare. Therefore, before controlling the sub-transportation card application corresponding to one sub-SE module to perform mutual authentication and interaction with the charging device, the main SE module needs to transfer the received first boarding tag information to one of the sub-SE modules.

In a specific implementation, the main SE module may also obtain the full-process fare through the instruction of the user, so that, after directly determining that the account balance of the main transportation card application is sufficient, the main SE module may sequentially control the sub-transportation card application and the charging device to perform mutual authentication and interaction. Obviously, the mode adopted by the embodiment can improve the user experience.

B3-5, after the counter count is added by 1, the main SE module informs the user that the card swiping is successful through DH;

illustratively, this step B3-5 is the same as A3-5 of example one.

B3-6, the main SE module judges whether the counter is smaller than the number of people who need to make mobile payment, namely count < m?

B3-6-1, if not, informing the user of the card swiping end in the boarding stage through the DH.

B3-6-2, if yes, executing step B3-7;

B3-7、

b3-7-1, the main SE module sends a selection command to a sub SE module [ count ], wherein the selection command comprises an identification ID [ count ] of the sub SE module;

b3-7-2, the charging equipment and the sub SE module [ count ] are mutually authenticated, and the charging equipment writes a boarding mark information into the sub SE module;

b3-7-3, sub SE Module [ count ] is responsive to the Master SE Module and is self-asserted to a locked state to prevent re-selection by SE

B3-8: the same step as step B3-5.

After the card swiping on the vehicle is finished, the counter count = m.

Step B4: lower car card swiping process

B4-1 includes:

b4-1-1, the main SE module sends a selection command to the sub SE module [ m-count ], wherein the selection command comprises the identifier ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] responds to the main SE module;

b4-1-2, the charging device and the sub SE module [ m-count ] are mutually authenticated;

b4-1-3, the sub SE module [ m-count ] sends the mark information of getting on the bus to the charging equipment, the charging equipment deducts the bus fee corresponding to one person from the account applied by the main transportation card after receiving the mark information of getting on the bus, and sends the user data after deducting the fee to the sub SE module, the user data can include the information of this deduction fee, card account balance and the like;

B4-1-4, the sub SE module [ m-count ] sends a fee deduction notice to the main SE module, wherein the fee deduction notice can contain information such as ID [ m-count ] of the sub SE, card account balance, the fee deduction result and the like.

B4-2, the main SE module sends a deactivation command to the sub SE module [ m-count ], wherein the deactivation command comprises the identification ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] responds to the main SE module and enters a deactivation state;

b4-3, after the counter count is reduced by 1, the main SE module informs the user that the card swiping and fee deduction is successful through DH;

B4-4, the master SE module determines whether the counter is greater than 0, i.e. count > 0?

B4-4-1, if not, informing the user of the completion of card swiping in the unloading stage through DH.

B4-4-2, if yes, continuing to execute the step B4-1;

the method for mobile payment provided by the embodiment of the invention is applied to a public transportation scene of a step charging system, when a card issuer issues a main transportation card application, a plurality of sub transportation card applications which can be bound with an account sharing the main transportation card application are respectively stored in sub SE modules with corresponding quantity; when a user gets on a bus and swipes a card, the main SE module transfers the mark information of the user to the sub SE module when the user gets on the bus and swipes the card for the first time, and then when the user gets on the bus and swipes the card for each time, the main SE module selects one sub SE module and activates the sub traffic card application therein, so that the sub SE module and the charging equipment perform interaction (write operation); when the bus is checked, the main SE module sequentially selects the sub SE modules to interact (read) with the charging equipment, and after the charging equipment deducts the fee from the shared account of the main traffic card application, the main SE module deactivates the sub traffic card application. The terminal realizes that the same terminal (used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in the public traffic scene of the segmented charging system, provides convenience for passengers to go out, and further enables the users to have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Example 3

The method for mobile payment provided by the embodiment of the invention is applied to a public transportation scene of a segmented charging system, the scene comprises a terminal, charging equipment and a public transportation system, the terminal comprises an SE, the SE comprises 1 main SE module, and the main SE module corresponds to a transportation card for application; after the terminal receives the number m of people needing mobile payment at this time, which is indicated by a user, the main SE module generates sub SE modules with corresponding number according to m, wherein m is the number of people needing mobile payment at this time, and m is more than or equal to 2; the terminal applies for the sub payment card application to the payment card system, so that the sub SE modules correspond to the sub payment card application one by one; the m boarding mark information is respectively recorded in the m sub-SE modules.

Referring to fig. 7, the method includes:

step C1 and step C2 were the same as step a1 and step a2 of example one.

Step C3: boarding card swiping process

C3-1 and C3-2 are the same as A3-1 and A3-2, respectively, of example one.

C3-3, the main SE module sends a request for applying the sub-transportation card to the public transportation system, the public transportation system sends a response message to the main SE module, and the response message comprises information such as sub-transportation card application, sub-transportation card number and account;

illustratively, the master SE module may apply for a sub-transportation card application from the public transportation system via the wireless network.

C3-4, the main SE module generates a sub SE module [ count ], allocates an identifier (marked as ID [ count ]) for the sub SE module, and stores a sub traffic card application applied in the step C3-3 into the sub SE module [ count ], and the sub SE module [ count ] responds to the main SE module; wherein, sub-SE module [ count ] represents the second count sub-SE module.

It should be noted that the master SE module may also preset n sub-SE modules before receiving m, and assign an identifier to each sub-SE module. If n is greater than or equal to m, the main SE module may directly use the sub SE module, as shown in the following step a 3-5; if n is less than m, the master SE module needs to generate at least (m-n-1) sub-SE modules.

C3-5, Process for Account recharge for child transportation card applications

C3-5-1, the main SE module sends application information for applying recharging to the sub transportation card to the public transportation system;

illustratively, the application information may include the main transportation card application information or the associated bank card information in the SE, the sub transportation card application information, the amount of money to be charged, the sub SE module identification ID [ count ] corresponding to the sub transportation card application, and the like.

The user can freely select to use the main transportation card application or the bank card application associated with the SE to recharge the account of the sub transportation card application according to the requirement, for example, when the balance of the account of the main transportation card application is fully sufficient or partially sufficient, the main transportation card application can be selected to use the sub transportation card application to recharge the account of the sub transportation card application.

It should be noted that, the method for applying and recharging the sub-transportation card application is not limited in the present invention, for example, the sub-transportation card application can be applied one by one for recharging, or the value can be recharged after all the applications are applied, and the embodiment takes applying and recharging one by one as an example.

C3-5-2, the public transport system charges the account of the sub-transportation card application, and sends a response message to the sub-SE module [ count ], wherein the response message can contain the main transportation card application or bank card information, the sub-transportation card application information, the charging result and the like;

c3-5-3, the sub SE module [ count ] sends the information of successful recharging to the main SE module, the information can include the application information of the main transportation card, the application information of the sub transportation card, the recharging result, etc.;

c3-6, adding 1 to the counter, and judging whether the counter is less than m of the number of people who need to make mobile payment by the main SE module, namely, is the counter < m?

C3-6-1, if yes, continuing to execute the step C3-3;

c3-6-2, if not, executing the step C4;

note that, after the recharge process is completed, the counter count = m.

Step C4: process for recording boarding pass information

C4-1, the main SE module sends a command for transferring the boarding mark information of the current card swiping to a sub SE module [ m-count ], wherein the command comprises an identification ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] responds to the main SE module and is set to be in a locking state by self to prevent being selected again by the main SE module;

Illustratively, this step is only performed after the first card swipe, and therefore the sub-SE block [ m-count ] in this step is the sub-SE block [0 ].

It should be noted that, the reason why the main SE module needs to transfer the first boarding flag information to the sub SE module [0] is the same as that described in step B3-4 of embodiment 2, and is not described here again.

C4-2, the counter count is decreased by 1, and the user is informed of the card swiping success through DH;

c4-3, the master SE module determines whether the counter is greater than 0, i.e. count > 0?

And C4-3-1, if not, informing the user of the card swiping end in the boarding stage through the DH.

C4-3-2, if yes, continuing to execute the step C4-4;

C4-4、

c4-4-1, the main SE module sends a selection command to the sub SE module [ m-count ], wherein the selection command comprises the identifier ID [ m-count ] of the sub SE module;

c4-4-2, mutual authentication between the charging equipment and the sub SE module [ m-count ], wherein the charging equipment writes a boarding mark information into the sub SE module [ m-count ];

c4-4-3, the sub SE module [ m-count ] responds to the selection command of the main SE module and is self-set to be in a locking state to prevent being selected again by the main SE module;

c4-5, continuing to execute the step C4-2.

When the boarding card swiping is finished, the counter count = 0.

Step C5: card swiping process at getting-off stage

C5-1、

C5-1-1, the main SE module sends a selection command to the sub SE module [ count ], wherein the selection command comprises the ID [ count ] of the sub SE module, and the sub SE module [ count ] responds to the main SE module;

c5-1-2, the charging device and the sub SE module are mutually authenticated; the sub SE module [ count ] sends a boarding mark information to the charging equipment, and the charging equipment deducts a riding fee corresponding to one person from an account applied by the sub traffic card after receiving the boarding mark information;

c5-1-3, the charging device sends a fee deduction notice to the sub SE module [ count ], wherein the fee deduction notice can contain information such as the current fee deduction and account balance applied by the sub traffic card; the sub-SE module [ count ] sends a fee deduction notice to the main SE module, and automatically sets the fee deduction notice to a locking state to prevent the fee deduction notice from being selected again by the main SE module, wherein the fee deduction notice can comprise information such as an identification ID [ count ] of the sub-SE module, account balance applied by a sub-traffic card corresponding to the sub-SE module, a fee deduction result of the time and the like;

c5-2, adding 1 to the counter count; the main SE module informs the user of the success of the card swiping this time through the DH;

C5-3, the master SE module determines whether the counter is less than m, i.e. count < m?

C5-3-1, if not, informing the user of the end of card swiping in the unloading stage through DH;

c5-3-2, if yes, continuing to execute the step C5-1;

after the card swiping in the getting-off stage is finished, the counter count = m.

Step C6: pin injection traffic card application process through wireless network

C6-1、

C6-1-1, the main SE module sends a surplus taking command to the sub SE module [ m-count ], wherein the surplus taking command is used for instructing the sub SE module [ m-count ] to apply to the public transportation system for transferring the balance in the account of the corresponding sub transportation card application and canceling the sub transportation card application, and the surplus taking command can comprise the identification ID [ m-count ] of the sub SE module, the main transportation card application information and the like;

c6-1-2, the sub SE module [ m-count ] sends a balance transfer-out and sub traffic card application cancellation application to the public traffic system, wherein the application can comprise an identification ID [ m-count ] of the sub SE module, sub traffic card application information, main traffic card application information and the like; the public transportation system transfers the balance in the account of the sub-transportation card application and cancels the sub-transportation card application, and then sends a response message to the sub-SE module [ m-count ], wherein the response message can comprise the application information of the main transportation card, the cancellation result and the like;

C6-1-3, the sub SE module [ m-count ] responds to the surplus command of the main SE module, and the response command can contain the ID [ m-count ] of the sub SE module, the application information of the main traffic card, the cancellation result and the like;

c6-2, the main SE module sends a resource releasing command to the sub SE module [ m-count ], wherein the command comprises the identifier ID [ m-count ] of the sub SE module; the sub SE module [ m-count ] releases resources and sends a response message to the main SE module;

c6-3, self-decreasing 1 by the counter; the master SE module determines if the counter is greater than 0, i.e. count > 0?

C6-3-1, if not, informing the user of the end of the logout of the sub transportation card application through DH.

C6-3-2, if yes, continuing to execute the step C6-1;

it should be noted that, after the sub-transportation card application logs out successfully, the counter count = 0.

The method for mobile payment provided by the embodiment of the invention is applied to a public transport scene of a sectional charging system, a terminal applies for sub-transport card applications with corresponding quantity to a public transport system according to the number of people needing mobile payment at this time and respectively stores the sub-transport card applications with corresponding quantity to sub-SE modules with corresponding quantity, then applies for the public transport system according to the whole-course fare written by a charging device, and charges each sub-transport card application from an account of the transport card application corresponding to the terminal or a bank card bound by the account; when a user gets on a vehicle and swipes a card for the first time, the main SE module transfers the mark information of getting on the vehicle to the sub SE module, and then when the user gets on the vehicle and swipes the card for the second time, the main SE module selects a sub traffic card application corresponding to the sub SE module to enable the sub traffic card application to interact (write) with the charging equipment; when the bus is checked, the main SE module sequentially selects the sub SE modules to interact (read) with the charging equipment, so that the charging equipment sequentially deducts the fee from the account applied by the corresponding sub traffic card; and the main SE module applies for transferring the balance in the account of the sub-transportation card application to the public transportation system and cancels the sub-transportation card application. The terminal realizes that the same terminal (used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in the public traffic scene of the segmented charging system, provides convenience for passengers to go out, and further enables the users to have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

In each of the above embodiments 1, 2 and 3, the m boarding positions are recorded in the m sub-SE modules, as an example. Of course, m boarding positions can also be recorded in the m-1 sub-SE module and the main SE module respectively, in which case, the mth boarding flag information can be recorded in the main SE module; for embodiments 2 and 3, in the process of card swiping for getting off, the charging device only performs mutual authentication with the sub SE module, and in this case, the charging device also needs to perform mutual authentication with the main SE module to ensure that the process of card swiping for getting off is successfully completed.

For the specific implementation of the second embodiment and the third embodiment, reference may be made to the contents of the above-mentioned embodiments 1 to 3, for example, the terminal may control the change limit of the increase and decrease of the counter by the number of people who need to make mobile payment currently indicated by the received user. For example, in embodiment 1, m indicated by the user is received, and a counter is initialized; in the process of getting on the bus: from the 1 st card swiping time to the m card swiping time, the counter is increased from 0 to m; in the unloading process, the counter is reduced from m to 0 from the 1 st card swiping time to the m-th card swiping time. Therefore, in the second embodiment, since the user indicates the number of people who need to make mobile payment to the terminal twice, the method can be specifically implemented in the following manner: n1 receiving user indication, initializing a counter; in the process of getting on the bus: from the 1 st card swiping time to the n1 th card swiping time, the counter is increased from 0 to n 1; n2 receiving a user indication; from the 1 st card swiping time to the n2 th card swiping time, the counter is increased from n1 to n1+ n 2; in the process of getting off, the counter is reduced from n1+ n2 to 0 from the 1 st card swiping time to the n1+ n2 card swiping time.

In one aspect, referring to fig. 8, a terminal 80 for mobile payment according to an embodiment of the present invention is configured to execute the method for mobile payment according to the first embodiment, where the terminal 80 includes a security unit SE801, and the terminal 80 further includes:

the obtaining unit 800 is configured to obtain the number m of people who need to perform mobile payment at this time, where m is greater than or equal to 2, and is indicated by a user;

a receiving unit 802, configured to receive m pieces of start marker information sent by a charging device when the terminal 80 and the charging device are authenticated with each other; the start marker information comprises start position information and/or start time information; wherein, every time the terminal 80 and the charging device authenticate each other, the receiving unit 802 receives one piece of the start marking information sent by the charging device;

a recording unit 803, configured to record, in the SE801, the m pieces of start flag information transmitted by the receiving unit 802;

a sending unit 804, configured to send the m pieces of start marker information recorded in the recording unit 803 to a charging apparatus in a case where the terminal 80 and the charging apparatus are mutually authenticated; so that the charging equipment deducts the charges corresponding to the m people from the terminal 80 according to the m pieces of start mark information and the m pieces of acquired end mark information; the sending unit 804 sends the start flag information to the charging apparatus every time the terminal 80 and the charging apparatus authenticate each other, so that the charging apparatus deducts a charge corresponding to a person, where the end flag information includes end position information and/or end time information.

Optionally, the SE801 includes at least one payment card application, and the sending unit 804 is specifically configured to send the m pieces of start flag information recorded by the recording unit 803 to the charging device under the condition that the terminal 80 and the charging device are authenticated with each other, so that the charging device deducts, according to the m pieces of start flag information and the m pieces of end flag information, a fee corresponding to the m pieces of people from an account of the at least one payment card application of the SE 801.

Optionally, referring to fig. 9, the terminal 80 may further include:

a determining unit 805, configured to determine, according to the m maximum unit price of one mobile payment, that there is a sufficient balance in the account applied to the at least one payment card to pay the fee corresponding to the m number of people who need to perform mobile payment.

Optionally, the receiving unit 802 is specifically configured to receive first start tag information in the m pieces of start tag information sent by the charging apparatus, where the first start tag information includes the maximum unit price of the mobile payment.

Optionally, referring to fig. 9, the SE801 includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE801, or the main SE module is generated according to the m after the acquisition unit 800 acquires the number m of people required to carry out mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

The recording unit 803 is specifically configured to, when t is m-1, record the m pieces of start mark information in the 1 main SE module and the m-1 sub SE modules;

Optionally, the SE801 including at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit 804 is specifically configured to, under the condition that the terminal 80 and the charging device are authenticated with each other, send the m pieces of start mark information recorded by the recording unit 803 to the charging device, so that the charging device deducts, according to the m pieces of start mark information and the m pieces of end mark information, a fee corresponding to the m pieces of people from an account applied to the main payment card.

Optionally, the SE801 including at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application is applied by the terminal 80 to a payment card system, and the terminal 80 charges the account of each sub payment card application through the payment card system;

When t is m-1, the sending unit 804 is specifically configured to, under the condition that the terminal 80 and the charging device are authenticated with each other, send the m pieces of start mark information recorded by the recording unit 803 to the charging device, so that the charging device deducts charges corresponding to the m people from an account applied to the main payment card and an account applied to m-1 sub payment cards according to the m pieces of start mark information and the m pieces of end mark information;

or, when t is m, the sending unit 804 is specifically configured to, under the condition that the terminal 80 and the charging device are authenticated with each other, send the m pieces of start mark information recorded by the recording unit 803 to the charging device, so that the charging device deducts charges corresponding to the m people from an account applied to the main payment card and an account applied to m-1 sub payment cards according to the m pieces of start mark information and the m pieces of end mark information.

Optionally, the payment card system includes: public transport system, parking system.

The terminal for mobile payment provided by the embodiment of the invention receives the number m of people required to carry out mobile payment at this time, wherein m is more than or equal to 2, and receives m pieces of start mark information sent by the charging equipment under the condition of mutual authentication with the charging equipment, records the m pieces of start mark information in a safety unit SE of the terminal, and sends the m pieces of start mark information to the charging equipment under the condition of mutual authentication with the charging equipment; so that the charging equipment deducts the charge corresponding to m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Referring to fig. 10, a terminal 80 for mobile payment according to an embodiment of the present invention is configured to execute the method for mobile payment according to the first embodiment, where the terminal 80 includes a secure element SE1001, and the terminal 80 further includes:

the processor 1003 is used for acquiring the number m of people who need to perform mobile payment at this time and is indicated by the user, wherein the m is more than or equal to 2;

a receiver 1002, configured to receive m pieces of start flag information sent by a charging apparatus when the terminal 80 and the charging apparatus are mutually authenticated; the start marker information comprises start position information and/or start time information; wherein, every time the terminal 80 and the charging device mutually authenticate each other, the receiver 1002 receives one piece of the start marking information sent by the charging device;

the processor 1003 is further configured to record the m pieces of start flag information in the SE 1001;

a transmitter 1004 for transmitting the m pieces of start marker information to a charging apparatus in a case where the terminal 80 and the charging apparatus are mutually authenticated; so that the charging equipment deducts the charges corresponding to the m people from the terminal 80 according to the m pieces of start mark information and the m pieces of acquired end mark information; wherein, every time the terminal 80 and the charging device authenticate each other, the transmitter 1004 transmits a piece of the start mark information to the charging device, so that the charging device deducts a charge corresponding to a person, and the end mark information includes end position information and/or end time information.

It should be noted that, in a specific implementation, the secure element SE1001 and the processor 1003 may be separately configured, or may be integrated together, and in this embodiment, the secure element SE1001 and the processor 1003 are separately configured, for example, to be described.

Optionally, the SE1001 includes at least one payment card application, and the transmitter 1004 is specifically configured to, under a condition that the terminal 80 and the charging device are mutually authenticated, transmit the m pieces of start marker information to the charging device, so that the charging device deducts, according to the m pieces of start marker information and the m pieces of end marker information, a fee corresponding to the m pieces of people from an account of the at least one payment card application of the SE 1001.

Optionally, the processor 1003 is further configured to determine, according to the maximum unit price of the m mobile payments and the maximum unit price of one mobile payment, that there is a sufficient balance in the account applied to the at least one payment card to pay the fees corresponding to the m people who need to perform the mobile payments.

Optionally, the receiver 1002 is specifically configured to receive first start mark information in the m pieces of start mark information sent by the charging apparatus, where the first start mark information includes a maximum unit price of the mobile payment.

Optionally, referring to fig. 11, the SE1001 includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE1001, or the main SE module generates the sub-SE module according to the m after the receiving unit 802 receives the number m of people required to carry out mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

the processor 1003 is specifically configured to, when t is m-1, record the m pieces of start flag information in the 1 main SE module and the m-1 sub SE modules;

Optionally, the SE1001 including at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the transmitter 1004 is specifically configured to, when the terminal 80 and the charging device are authenticated with each other, transmit the m pieces of start mark information to the charging device, so that the charging device deducts, according to the m pieces of start mark information and the m pieces of end mark information, a fee corresponding to the m pieces of people from an account applied to the main payment card.

Optionally, the SE1001 including at least one payment card application includes: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application is applied by the terminal 80 to a payment card system, and the terminal 80 charges the account of each sub payment card application through the payment card system;

when t is m-1, the transmitter 1004 is specifically configured to, under the condition that the terminal 80 and the charging device are mutually authenticated, transmit the m pieces of start tag information to the charging device, so that the charging device deducts charges corresponding to the m people from an account applied to the main payment card and an account applied to m-1 sub payment cards according to the m pieces of start tag information and the m pieces of end tag information;

or, when t is m, the transmitter 1004 is specifically configured to, when the terminal 80 and the charging device are mutually authenticated, transmit the m pieces of start tag information to the charging device, so that the charging device deducts, according to the m pieces of start tag information and the m pieces of end tag information, a fee corresponding to the m numbers of people from an account applied to the m sub-payment cards.

The terminal for mobile payment provided by the embodiment of the invention receives the number m of people required to carry out mobile payment at this time, wherein m is more than or equal to 2, and receives m pieces of start mark information sent by the charging equipment under the condition of mutual authentication with the charging equipment, records the m pieces of start mark information in a safety unit SE of the terminal, and sends the m pieces of start mark information to the charging equipment under the condition of mutual authentication with the charging equipment; so that the charging equipment deducts the charges corresponding to m people from the terminal according to the m pieces of start mark information and the obtained m pieces of end mark information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

In one aspect, referring to fig. 12, a terminal 120 for mobile payment according to an embodiment of the present invention is configured to execute a method for mobile payment shown in the second embodiment, where the terminal 120 includes a secure element SE1201, and the terminal 120 further includes:

the obtaining unit 1200 is used for obtaining the number n1 of people who need to carry out mobile payment for the first time and indicated by the user, wherein n1 is more than or equal to 1;

a receiving unit 1202, configured to receive n1 pieces of first start flag information sent by a charging apparatus when the terminal 120 and the charging apparatus are mutually authenticated, where the receiving unit 1202 receives one piece of start flag information sent by the charging apparatus every time the terminal 120 and the charging apparatus are mutually authenticated;

a recording unit 1203, configured to record the n1 pieces of first start mark information transmitted by the receiving unit 1202 in the SE1201, where the start mark information includes start position information and/or start time information;

the obtaining unit 1200 is further configured to obtain the number n2 of people who need to perform mobile payment for the second time, where n2 is greater than or equal to 1;

the receiving unit 1202 is further configured to receive n2 pieces of second start marker information sent by the charging apparatus when the terminal 120 and the charging apparatus are mutually authenticated;

The recording unit 1203 is further configured to record the n2 pieces of second start mark information in the SE 1201;

a sending unit 1204, configured to send, to the charging apparatus, n1+ n2 pieces of start marker information recorded by the recording unit 1203 in a case where the terminal 120 and the charging apparatus are mutually authenticated, where the n1+ n2 pieces of start marker information include the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the number of the n1+ n2 people from the terminal 120 according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; wherein, every time the terminal 120 and the charging device authenticate each other, the sending unit 1204 sends one piece of the start mark information to the charging device, so that the charging device deducts a charge corresponding to a person, and the end mark information includes end position information and/or end time information.

Optionally, the SE1201 includes at least one payment card application, and the sending unit 1204 is specifically configured to send, to the charging device, n1+ n2 pieces of start marker information recorded by the recording unit 1203 when the terminal 120 and the charging device are mutually authenticated; so that the charging device deducts the charge corresponding to the n1+ n2 people from the account of at least one payment card application of the SE1201 according to the n1+ n2 start mark information and the n1+ n2 end mark information.

Optionally, referring to fig. 13, the SE1201 includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE1201, or is generated after the acquiring unit 1200 acquires the number of people indicated by the user to be paid for the first time n1 and is generated after the acquiring unit 1200 acquires the number of people indicated by the user to be paid for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

the recording unit 1203 is specifically configured to, when t is n1+ n2-1, record the n1+ n2 pieces of start marker information in the 1 main SE module and the n1+ n2-1 sub SE modules;

Optionally, the SE1201 including at least one payment card application includes: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit 1204 is specifically configured to send, to the charging device, n1+ n2 pieces of start marker information recorded by the recording unit 1203 when the terminal 120 and the charging device are mutually authenticated; so that the charging device deducts the charge corresponding to the n1+ n2 people from the account of the main payment card application according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

Optionally, the SE1201 including at least one payment card application includes: the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application, wherein each sub payment card application is applied by the terminal 120 to a payment card system, and the terminal 120 charges an account of each sub payment card application through the payment card system;

when t is n1+ n2-1, the sending unit 1204 is specifically configured to send n1+ n2 pieces of start marker information recorded by the recording unit 1203 to the charging device in a case where the terminal 120 and the charging device are mutually authenticated; so that the billing device deducts fees corresponding to the n1+ n2 people from the account of the main payment card application and the account of the n1+ n2-1 sub payment card application according to the n1+ n2 pieces of start tag information and the n1+ n2 pieces of end tag information;

or, when t is n1+ n2, the sending unit 1204 is specifically configured to send n1+ n2 pieces of start marker information recorded by the recording unit 1203 to the charging apparatus when the terminal 120 and the charging apparatus are mutually authenticated; so that the billing device deducts the fees corresponding to the n1+ n2 people from the account applied by the n1+ n2 sub-payment cards according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

The terminal for mobile payment provided by the embodiment of the invention receives the number of people needing mobile payment for the first time n1 and the number of people needing mobile payment for the second time n2, n1 is more than or equal to 1, n2 is more than or equal to 1, and in the case of mutual authentication with the charging equipment, receives n1 first start marker information and n2 second start marker information sent by the charging equipment, records the n1 first start marker information and the n2 second start marker information in the SE, wherein the start marker information comprises start position information and/or start time information, and in the case of mutual authentication with the charging equipment, sends n1+ n2 start marker information to the charging equipment, and the n1+ n2 start marker information comprises n1 first start marker information and n2 second start marker information; so that the charging equipment deducts the charge corresponding to n1+ n2 people from the terminal according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Referring to fig. 14, a terminal 120 for mobile payment according to an embodiment of the present invention is configured to execute the method for mobile payment shown in the second embodiment, where the terminal 120 includes a security unit SE1401, and the terminal 120 further includes:

the processor 1403 is used for acquiring the number n1 of people needing to carry out mobile payment for the first time, wherein n1 is more than or equal to 1, and the number n1 is indicated by a user;

a receiver 1402, configured to receive n1 pieces of first start flag information sent by a charging apparatus when the terminal 120 and the charging apparatus are mutually authenticated, where the receiver 1402 receives one piece of start flag information sent by the charging apparatus every time the terminal 120 and the charging apparatus are mutually authenticated;

the processor 1403 is further configured to record the n1 first start mark information in the SE1401, where the start mark information includes start position information and/or start time information;

the processor 1403 is further configured to obtain the number n2 of people who need to perform mobile payment for the second time, where n2 is greater than or equal to 1, and the number n2 is indicated by the user;

the receiver 1402 is further configured to receive n2 pieces of second start marker information sent by the charging apparatus, if the terminal 120 and the charging apparatus are mutually authenticated;

The processor 1403 is further configured to record the n2 second start flag information in the SE 1401;

a transmitter 1404 configured to transmit n1+ n2 pieces of start marker information to the charging apparatus in a case where the terminal 120 and the charging apparatus are mutually authenticated, the n1+ n2 pieces of start marker information including the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the number of the n1+ n2 people from the terminal 120 according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; wherein, every time the terminal 120 and the charging device authenticate each other, the transmitter 1404 transmits a piece of the start mark information to the charging device, so that the charging device deducts a charge corresponding to a person, and the end mark information includes end position information and/or end time information.

It should be noted that, in a specific implementation, the secure unit SE1401 and the processor 1403 may be separately provided, or may be integrated together, and in this embodiment, the secure unit SE1401 and the processor 1403 are separately provided, for example, to be described.

Optionally, the SE1401 includes at least one payment card application, and the transmitter 1404 is specifically configured to, in a case where the terminal 120 and the charging apparatus are mutually authenticated, transmit n1+ n2 pieces of start marker information to the charging apparatus; so that the charging device deducts the charge corresponding to the n1+ n2 people from the account of at least one payment card application of the SE1401 according to the n1+ n2 start mark information and the n1+ n2 end mark information.

Optionally, referring to fig. 15, the SE1401 includes 1 main SE module and at least t sub-SE modules; the sub-SE modules are preset in the SE1401, or generated after the processor 1403 obtains the number of people indicated by the user to pay for the first time n1 and the processor 1403 obtains the number of people indicated by the user to pay for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

the processor 1403 is specifically configured to record the n1+ n2 pieces of start flag information in the 1 main SE module and the n1+ n2-1 sub SE modules when t is n1+ n 2-1;

Optionally, the SE1401 comprising at least one payment card application comprises: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

the transmitter 1404 is specifically configured to, when the terminal 120 and the charging device are mutually authenticated, transmit n1+ n2 pieces of start marker information to the charging device; so that the charging device deducts the charge corresponding to the n1+ n2 people from the account of the main payment card application according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

Optionally, the SE1401 comprising at least one payment card application comprises: the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application, wherein each sub payment card application is applied by the terminal 120 to a payment card system, and the terminal 120 charges an account of each sub payment card application through the payment card system;

When t is n1+ n2-1, the transmitter 1404 is specifically configured to transmit n1+ n2 pieces of start marker information to the charging apparatus in a case where the terminal 120 and the charging apparatus are mutually authenticated; so that the billing device deducts fees corresponding to the n1+ n2 people from the account of the main payment card application and the account of the n1+ n2-1 sub payment card application according to the n1+ n2 pieces of start tag information and the n1+ n2 pieces of end tag information;

or, when t is n1+ n2, the transmitter 1404 is specifically configured to transmit n1+ n2 pieces of start marker information to the charging apparatus when the terminal 120 and the charging apparatus are mutually authenticated; so that the billing device deducts the fees corresponding to the n1+ n2 people from the account applied by the n1+ n2 sub-payment cards according to the n1+ n2 pieces of start marking information and the n1+ n2 pieces of end marking information.

In one aspect, referring to fig. 16, a terminal 160 for mobile payment provided in an embodiment of the present invention is configured to execute the method for mobile payment shown in the third embodiment, where the terminal 160 includes a secure element SE1601, and the terminal 160 further includes:

the obtaining unit 1600 is used for obtaining the number m of people required to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2;

a receiving unit 1602, configured to receive m pieces of start marker information sent by a charging apparatus when the terminal 160 and the charging apparatus are mutually authenticated, where the start marker information includes start position information and/or start time information; wherein, the receiving unit 1602 receives one piece of the start flag information sent by the charging device every time the terminal 160 and the charging device authenticate each other;

a recording unit 1603 for recording the m pieces of start mark information transmitted by the receiving unit 1602 in the SE 1601;

a sending unit 1604, configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to a charging apparatus if the terminal 160 and the charging apparatus are mutually authenticated, where 1 is equal to or greater than m1 < m; so that the charging equipment deducts the charge corresponding to the m1 persons from the terminal 160 according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; wherein, every time the terminal 160 and the charging device authenticate each other, the sending unit 1604 sends the start flag information to the charging device, so that the charging device deducts a charge corresponding to a person;

The sending unit 1604 is further configured to send m2 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to the charging apparatus, where 1 is equal to or greater than m2 < m, if the terminal 160 and the charging apparatus are mutually authenticated; so that the charging equipment deducts the charge corresponding to the m2 persons from the terminal 160 according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, m1+ m2= m.

Optionally, the SE1601 comprises at least one payment card application,

the sending unit 1604 is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to the charging apparatus when the terminal 160 and the charging apparatus authenticate each other; so that the charging device deducts the charge corresponding to the m1 people from the account applied by at least one payment card of the SE1601 according to the m1 start marker information and the m1 first end marker information; and, in a case where the terminal 160 and the charging apparatus are mutually authenticated, transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit 1603 to the charging apparatus; so that the charging device deducts the fee corresponding to the m2 people from the account applied by at least one payment card of the SE1601 according to the m2 start marker information and the m2 second end marker information.

Optionally, referring to fig. 17, the SE1601 includes 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE1601 or generated after the obtaining unit 1600 obtains the number m of people indicated by the user and needing mobile payment at this time; the t comprises: m or m-1;

the recording unit 1603 is specifically configured to, when t is m-1, record the m pieces of start mark information in the 1 main SE module and m-1 sub SE modules;

Optionally, the SE1601 including at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit 1604 is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to the charging apparatus when the terminal 160 and the charging apparatus authenticate each other; so that the billing device deducts the charge corresponding to the m1 people from the account applied by the main payment card according to the m1 start marker information and the m1 first end marker information, and sends m2 start marker information of the m start marker information recorded by the recording unit 1603 to the billing device when the terminal 160 and the billing device are mutually authenticated; so that the charging device deducts the charge corresponding to the m2 people from the account of the main payment card application according to the m2 start tag information and the m2 second end tag information.

Optionally, the SE1601 including at least one payment card application includes: the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application, wherein each sub payment card application is applied by the terminal 160 to a payment card system, and the terminal 160 charges an account of each sub payment card application through the payment card system;

when t is m-1, the sending unit 1604 is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to the charging apparatus when the terminal 160 and the charging apparatus authenticate each other; in a case where the terminal 160 and the charging apparatus are mutually authenticated, transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit 1603 to the charging apparatus; causing the charging device to deduct fees from the account of the main payment card application and the account of the m-1 sub payment card application according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information, deducting fees from the account of the main payment card application and the account of the m-1 sub payment card application;

Or, when t is m, the sending unit 1604 is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit 1603 to the charging apparatus when the terminal 160 and the charging apparatus authenticate each other; in a case where the terminal 160 and the charging apparatus are mutually authenticated, transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit 1603 to the charging apparatus; so that the billing device deducts a charge from the accounts of the m sub-payment card applications according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information.

The terminal for mobile payment provided by the embodiment of the invention receives the number m of people required to carry out mobile payment at this time, wherein m is more than or equal to 2, and receives m pieces of start mark information sent by charging equipment under the condition that the terminal and the charging equipment are mutually authenticated, the m pieces of start mark information are recorded in the SE, and m1 pieces of start mark information in the m pieces of start mark information are sent to the charging equipment under the condition that the terminal and the charging equipment are mutually authenticated, wherein m is more than or equal to 1 and more than or equal to m1 and less than m; so that the charging equipment deducts the charge corresponding to m1 people from the terminal according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; and under the condition of mutual authentication with the charging equipment, sending m2 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start mark information and the acquired m2 pieces of second end mark information; the starting mark information comprises starting position information and/or starting time information, and the ending mark information comprises ending position information and/or ending time information; the terminal receives a start marking message sent by the charging equipment every time the terminal and the charging equipment authenticate each other; the terminal sends a start mark message to the charging device every time the terminal and the charging device authenticate each other, so that the charging device deducts the charge corresponding to one person. The same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Referring to fig. 18, a terminal 160 for mobile payment according to an embodiment of the present invention is configured to execute a method for mobile payment shown in three, where the terminal 160 includes a security unit SE1801, and the terminal 160 further includes:

the processor 1803 is configured to obtain a number m of people who need to perform mobile payment at this time and is indicated by a user, where m is greater than or equal to 2;

a receiver 1802, configured to receive m pieces of start marker information sent by a charging apparatus when the terminal 160 and the charging apparatus are mutually authenticated, where the start marker information includes start position information and/or start time information; wherein, every time the terminal 160 and the charging device mutually authenticate each other, the receiver 1802 receives one piece of the start marker information sent by the charging device;

the processor 1803 is further configured to record the m pieces of start flag information in the SE 1801;

a transmitter 1804, configured to send m1 pieces of start flag information of the m pieces of start flag information to the charging device in a case where the terminal 160 and the charging device are mutually authenticated, where 1 is equal to or greater than m1 < m; so that the charging equipment deducts the charge corresponding to the m1 persons from the terminal 160 according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; wherein, every time the terminal 160 and the charging device mutually authenticate, the transmitter 1804 transmits a piece of the start flag information to the charging device, so that the charging device deducts a charge corresponding to one person;

The transmitter 1804 is further configured to, in a case where the terminal 160 and a charging device are mutually authenticated, send m2 pieces of start marker information, 1 ≦ m2 < m, of the m pieces of start marker information to the charging device; so that the charging equipment deducts the charge corresponding to the m2 persons from the terminal 160 according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, m1+ m2= m.

It should be noted that, in a specific implementation, the secure element SE1801 and the processor 1803 may be separately configured, or may be integrated together, and in this embodiment, the secure element SE1801 and the processor 1803 are separately configured, for example, for description.

Optionally, the SE1801 includes at least one payment card application,

the transmitter 1804 is specifically configured to, when the terminal 160 and the charging device are mutually authenticated, send m1 pieces of start flag information of the m pieces of start flag information to the charging device; so that the charging device deducts the charge corresponding to the m1 people from the account applied by the at least one payment card of the SE1801 according to the m1 start tag information and the m1 first end tag information; and m2 pieces of start marker information among the m pieces of start marker information transmitted to the charging apparatus in a case where the terminal 160 and the charging apparatus are mutually authenticated; so that the charging device deducts the fee corresponding to the m2 people from the account applied by the at least one payment card of the SE1801 according to the m2 start mark information and the m2 second end mark information.

Optionally, referring to fig. 19, the SE1801 includes 1 main SE module and at least t sub SE modules; the sub-SE module is preset in the SE1801 or generated after the processor 1803 obtains the number m of people required to perform mobile payment at this time indicated by the user; the t comprises: m or m-1;

the processor 1803 is specifically configured to, when t is m-1, record the m pieces of start flag information in the 1 main SE module and the m-1 sub SE modules;

Optionally, the SE1801 including at least one payment card application includes: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the transmitter 1804 is specifically configured to, when the terminal 160 and the charging device are mutually authenticated, send m1 pieces of start flag information of the m pieces of start flag information to the charging device; the charging device deducts the charge corresponding to the m1 people from the account applied by the main payment card according to the m1 start mark information and the m1 first end mark information, and the m2 start mark information in the m start mark information is sent to the charging device under the condition that the terminal 160 and the charging device are mutually authenticated; so that the charging device deducts the charge corresponding to the m2 people from the account of the main payment card application according to the m2 start tag information and the m2 second end tag information.

Optionally, the SE1801 including at least one payment card application includes: the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application, wherein each sub payment card application is applied by the terminal 160 to a payment card system, and the terminal 160 charges an account of each sub payment card application through the payment card system;

when t is m-1, the transmitter 1804 is specifically configured to, when the terminal 160 and the charging device are mutually authenticated, send m1 pieces of start marker information of the m pieces of start marker information to the charging device; m2 pieces of start marker information among the m pieces of start marker information transmitted to the charging apparatus in a case where the terminal 160 and the charging apparatus are mutually authenticated; such that the billing device deducts fees from accounts of the main payment card application and accounts of m-1 sub payment card applications according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information;

or, when t is m, the transmitter 1804 is specifically configured to, when the terminal 160 and the charging device authenticate each other, send m1 pieces of start marker information of the m pieces of start marker information to the charging device; m2 pieces of start marker information among the m pieces of start marker information transmitted to the charging apparatus in a case where the terminal 160 and the charging apparatus are mutually authenticated; so that the billing device deducts a charge from the accounts of the m sub-payment card applications according to the m1 start flag information, the m1 first end flag information, the m2 start flag information, the m2 second end flag information.

In one aspect, referring to fig. 20, a network device 200 provided for an embodiment of the present invention is applied to a payment card system, and is configured to execute a method for mobile payment shown in fig. four, where the terminal includes a secure element SE, the SE includes 1 main SE module and at least t sub SE modules, the main SE module corresponds to a main payment card application, and the network device 200 includes:

a receiving unit 2001, configured to receive at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user;

a sending unit 2002 for sending at least t of the sub-payment card applications to the terminal through at least one first response message;

the receiving unit 2001 is further configured to receive at least one second request message sent by the terminal, where the at least one second request message is used to apply for applying for recharging an account applied to the at least t sub-payment cards;

A charging unit 2003, configured to charge the account of the at least t sub-payment card applications according to the at least one second request message transmitted by the receiving unit 2001, and when t is m-1, enable the charging device to deduct the charge corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card applications; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

The network device provided by the embodiment of the invention is applied to a payment card system, and each sub-SE module corresponds to one sub-payment card application through at least one first request message which is sent by a receiving terminal and used for applying for the sub-payment card application for the t sub-SE modules, wherein t comprises: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user; sending at least t sub-payment card applications to the terminal through at least one first response message; the method comprises the steps that at least one second request message for applying for recharging the account applied by at least t sub-payment cards is sent by a receiving terminal, the account applied by at least t sub-payment cards is recharged according to the at least one second request message, and when t is m-1, the charging equipment deducts the charge corresponding to m people from the account applied by a main payment card and the account applied by m-1 sub-payment cards; or when t is m, the charging equipment deducts the charge corresponding to m people from the account applied by the m sub payment cards. The terminal realizes that the same terminal (which can be used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in the public traffic scene of the segmented charging system, provides convenience for passengers to go out, and further ensures that the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

Referring to fig. 21, a network device 200 provided for the embodiment of the present invention is applied to a payment card system, and is configured to execute a method for mobile payment shown in fig. four, where the terminal includes a secure element SE, the SE includes 1 main SE module and at least t sub SE modules, the main SE module corresponds to a main payment card application, and the network device 200 includes:

a receiver 2101 configured to receive at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user;

a transmitter 2102 for transmitting at least t of said sub-payment card applications to said terminal by means of at least one first response message;

the receiver 2101 is further configured to receive at least one second request message sent by the terminal, where the at least one second request message is used to apply for applying for recharging an account applied to the at least t sub-payment cards;

a processor 2103, configured to recharge the account of the at least t sub-payment card applications according to the at least one second request message, so that when t is m-1, the charging device deducts charges corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card applications; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards.

In addition, an embodiment of the present invention further provides a system for mobile payment, including:

a billing device and any of the above-described terminals 80, 120, 160 for mobile payment;

or a billing device, any of the above-described terminal 80 for mobile payment, terminal 120, terminal 160, and any of the above-described network devices 200.

Wherein,

said terminal 80 comprises a security element SE; the terminal 80 is used for receiving the number m of people needing mobile payment at this time, which is indicated by the user, wherein m is more than or equal to 2; under the condition that the terminal 80 and the charging equipment are mutually authenticated, receiving m pieces of start marking information sent by the charging equipment; the start marker information comprises start position information and/or start time information; wherein, every time the terminal 80 and the charging device authenticate each other, the terminal 80 receives the start marking information sent by the charging device; recording the m start mark information in the SE; under the condition that the terminal 80 and the charging equipment are mutually authenticated, sending the m pieces of start mark information to the charging equipment; so that the charging equipment deducts the charges corresponding to the m people from the terminal 80 according to the m pieces of start mark information and the m pieces of acquired end mark information; wherein, every time the terminal 80 and the charging device authenticate each other, the terminal 80 sends the start mark information to the charging device, so that the charging device deducts the charge corresponding to one person, and the end mark information includes end position information and/or end time information.

The terminal 120 comprises a safety unit SE, and the terminal 120 is used for receiving the number n1 of people who need to carry out mobile payment for the first time and indicated by a user, wherein n1 is more than or equal to 1; under the condition that the terminal 120 and the charging equipment are mutually authenticated, receiving n1 pieces of first start marker information sent by the charging equipment, and recording the n1 pieces of first start marker information in the SE, wherein the start marker information comprises start position information and/or start time information, and the terminal 120 receives one piece of start marker information sent by the charging equipment every time the terminal 120 and the charging equipment are mutually authenticated; receiving the number n2 of the people needing to carry out mobile payment for the second time, wherein n2 is more than or equal to 1, which is indicated by the user; in a case where the terminal 120 and the billing device are mutually authenticated, the terminal 120 receives n2 pieces of second start marker information transmitted by the billing device, and records the n2 pieces of second start marker information in the SE; transmitting n1+ n2 pieces of start marker information to the charging apparatus in a case where the terminal 120 and the charging apparatus are mutually authenticated, the n1+ n2 pieces of start marker information including the n1 pieces of first start marker information and the n2 pieces of second start marker information; so that the charging equipment deducts the charge corresponding to the number of the n1+ n2 people from the terminal 120 according to the n1+ n2 pieces of start marking information and the acquired n1+ n2 pieces of end marking information; wherein, every time the terminal 120 and the charging device authenticate each other, the terminal 120 sends the start mark information to the charging device, so that the charging device deducts the charge corresponding to a person, and the end mark information includes end position information and/or end time information.

The terminal 160 comprises a safety unit SE, and the terminal 160 is used for receiving the number m of people needing to carry out mobile payment at this time, which is indicated by a user, wherein m is more than or equal to 2; under the condition that the terminal 160 and the charging equipment are mutually authenticated, receiving m pieces of start marker information sent by the charging equipment, wherein the start marker information comprises start position information and/or start time information; wherein, every time the terminal 160 and the charging device authenticate each other, the terminal 160 receives one piece of the start marking information sent by the charging device; recording the m start mark information in the SE; under the condition that the terminal 160 and the charging equipment are mutually authenticated, m1 pieces of start marker information in the m pieces of start marker information are sent to the charging equipment, wherein m1 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m1 persons from the terminal 160 according to the m1 pieces of start mark information and the acquired m1 pieces of first end mark information; under the condition that the terminal 160 and the charging equipment are mutually authenticated, m2 pieces of start marker information in the m pieces of start marker information are sent to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 persons from the terminal 160 according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; wherein, each time the terminal 160 and the charging device mutually authenticate each other, the terminal 160 sends one piece of the start flag information to the charging device, so that the charging device deducts a charge corresponding to one person, the end flag information includes end position information and/or end time information, and m1+ m2= m.

The network device 200 is configured to receive at least one first request message sent by the terminal; the at least one first request message is used for applying for sub-payment card applications for the at least t sub-SE modules, so that each sub-SE module corresponds to one sub-payment card application, where t includes: m or m-1, wherein m is more than or equal to 2, and m is the number of people needing to carry out mobile payment at this time and indicated to the terminal by the user; transmitting at least t of the sub-payment card applications to the terminal through at least one first response message; receiving at least one second request message sent by the terminal, wherein the at least one second request message is used for applying for account recharging applied to the at least t sub-payment cards; recharging the account of the at least t sub-payment card applications according to the at least one second request message, and when t is m-1, enabling the charging equipment to deduct the cost corresponding to the m people from the account of the main payment card application and the account of the m-1 sub-payment card applications; or when t is m, the charging equipment deducts the charge corresponding to the m people from the account applied by the m sub payment cards. The terminal may be the terminal 80, the terminal 120, or the terminal 160.

The system for mobile payment provided by the embodiment of the invention realizes that the same terminal (which is used for paying the traffic fee) can be used by multiple persons at the same time in one-time riding in a public traffic scene of a section charging system; the convenience is provided for the traveling of the passengers, and the users have better experience. The problem of inconvenient travelling caused by the fact that people cannot use one transportation card by one hand when a plurality of people take the public transportation means of the segmented charging system for travelling is solved, and a plurality of troubles of queuing for card purchasing for a long time, no self-provided change for ticket purchasing and the like are effectively avoided.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the application, the terminal may be a terminal with an NFC function, and may perform NFC communication with the charging device.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may be physically included alone, or two or more units may be integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.

The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. A method for mobile payment, characterized in that the terminal comprises a secure element SE, said method comprising:

the terminal records the m pieces of start mark information in the SE;

2. The method according to claim 1, wherein the SE comprises at least one payment card application, and wherein the causing of the billing device to deduct the fee corresponding to the m number of people from the terminal is specifically: so that the billing device deducts a fee corresponding to the m people from an account applied by at least one payment card of the SE.

3. The method according to claim 2, wherein after the terminal receives the number m of people required to make mobile payment, which is indicated by the user, the method further comprises:

4. The method according to claim 3, wherein before the terminal determines that there is a sufficient balance in the account of the at least one payment card application according to the m and the maximum unit price of the one-time mobile payment to pay the fee corresponding to the m number of people who need to make mobile payment, the receiving, by the terminal, the m pieces of start mark information sent by the charging device comprises:

5. The method according to any of claims 2-4, wherein the SE comprises 1 main SE module and at least t sub-SE modules; the sub SE module is preset in the SE, or the main SE module generates the sub SE module according to the sub SE module after the terminal receives the number m of people required to carry out mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

6. The method according to claim 5, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

7. The method according to claim 5, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

8. The method of claim 7, wherein the payment card system comprises: public transport system, parking system.

9. A method for mobile payment, characterized in that the terminal comprises a secure element SE, said method comprising:

10. The method as claimed in claim 9, wherein the SE comprises at least one payment card application, and wherein the causing the charging device to deduct from the terminal a fee corresponding to the n1+ n2 persons is further characterized by: such that the billing device deducts a fee corresponding to the n1+ n2 people from an account of at least one payment card application of the SE.

11. The method according to claim 9 or 10, wherein the SE comprises 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number of people indicated by the user to be paid for the first time n1 and the terminal receives the number of people indicated by the user to be paid for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

12. The method according to claim 11, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

13. The method according to claim 11, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

14. A method for mobile payment, characterized in that the terminal comprises a secure element SE, said method comprising:

the terminal records the m pieces of start mark information in the SE;

Under the condition that the terminal and the charging equipment are mutually authenticated, the terminal sends m2 pieces of start marker information in the m pieces of start marker information to the charging equipment, wherein m2 is more than or equal to 1 and less than m; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, and m1+ m2 ═ m.

15. The method of claim 14, wherein the SE comprises at least one payment card application,

16. The method according to claim 14 or 15, wherein the SE comprises 1 main SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the terminal receives the number m of people needing to carry out mobile payment at this time, wherein the number m is indicated by the user; the t comprises: m or m-1;

17. The method of claim 16, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

18. The method of claim 16, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

19. A method for mobile payment, wherein a terminal comprises a secure element SE, said SE comprising 1 master SE module and at least t sub SE modules, said master SE module corresponding to a master payment card application, said method comprising:

20. A terminal for mobile payment, characterized in that it comprises a security element SE, and in that it further comprises:

21. The terminal according to claim 20, wherein the SE includes at least one payment card application, and the sending unit is specifically configured to, when the terminal and a charging device are mutually authenticated, send the m pieces of start flag information recorded by the recording unit to the charging device, so that the charging device deducts, according to the m pieces of start flag information and the m pieces of end flag information, a fee corresponding to the m pieces of people from an account of the at least one payment card application of the SE.

22. The terminal of claim 21, wherein the terminal further comprises:

23. The terminal of claim 22,

the receiving unit is specifically configured to receive first start tag information in the m pieces of start tag information sent by the charging device, where the first start tag information includes a maximum unit price of the one-time mobile payment.

24. The terminal of any of claims 21-23, wherein the SE comprises 1 main SE module and at least t sub-SE modules; the sub SE module is preset in the SE, or the main SE module is generated according to the m after the acquisition unit acquires the number m of people required to carry out mobile payment at this time, which is indicated by a user; the t comprises: m or m-1;

25. The terminal of claim 24, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

26. The terminal of claim 24, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

27. The terminal of claim 26, wherein the payment card system comprises: public transport system, parking system.

28. A terminal for mobile payment, characterized in that it comprises a security element SE, and in that it further comprises:

29. The terminal according to claim 28, wherein the SE comprises at least one payment card application, and wherein the sending unit is specifically configured to send to the charging device n1+ n2 pieces of start marker information recorded by the recording unit, in case that the terminal and the charging device are mutually authenticated; so that the billing device deducts the fee corresponding to the n1+ n2 people from the account of at least one payment card application of the SE according to the n1+ n2 start tag information and the n1+ n2 end tag information.

30. The terminal according to claim 28 or 29, wherein the SE comprises 1 master SE module and at least t sub-SE modules; the sub-SE module is preset in the SE, or is generated after the acquisition unit acquires the number of people indicated by the user to be subjected to mobile payment for the first time n1 and is generated after the acquisition unit acquires the number of people indicated by the user to be subjected to mobile payment for the second time n 2; the t comprises: n1+ n2 or n1+ n 2-1;

31. The terminal of claim 30, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively; wherein each sub-payment card application is bound with the main payment card application and shares an account of the main payment card application;

32. The terminal of claim 30, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

33. A terminal for mobile payment, characterized in that it comprises a security element SE, and in that it further comprises:

The sending unit is further configured to send m2 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging device, where m2 is greater than or equal to 1 and less than m, in the case that the terminal and the charging device are mutually authenticated; so that the charging equipment deducts the charge corresponding to the m2 people from the terminal according to the m2 pieces of start marker information and the acquired m2 pieces of second end marker information; the end marker information includes end position information and/or end time information, and m1+ m2 ═ m.

34. The terminal of claim 33, wherein the SE comprises at least one payment card application,

35. The terminal of claim 33 or 34, wherein the SE comprises 1 master SE module and at least t sub-SE modules; the sub-SE module is preset in the SE or generated after the acquisition unit acquires the number m of people required to be subjected to mobile payment at this time, which is indicated by the user; the t comprises: m or m-1;

36. The terminal of claim 35, wherein the SE comprises at least one payment card application, in particular: the main SE module corresponds to a main payment card application; or the main SE module corresponds to a main payment card application, and each sub SE module corresponds to a sub payment card application respectively, wherein each sub payment card application is bound with the main payment card application and shares an account of the main payment card application;

the sending unit is specifically configured to send m1 pieces of start marker information of the m pieces of start marker information recorded by the recording unit to the charging apparatus when the terminal and the charging apparatus mutually authenticate each other; so that the charging device deducts the charge corresponding to the m1 people from the account of the main payment card application according to the m1 start tag information and the m1 first end tag information; and, in a case where the terminal and a charging apparatus are mutually authenticated, transmitting m2 pieces of start mark information among the m pieces of start mark information recorded by the recording unit to the charging apparatus; so that the charging device deducts the charge corresponding to the m2 people from the account of the main payment card application according to the m2 start tag information and the m2 second end tag information.

37. The terminal of claim 35, wherein the SE including at least one payment card application comprises: the main SE module corresponds to a main payment card application, each sub SE module corresponds to a sub payment card application, each sub payment card application applies for a payment card system by the terminal, and the terminal recharges accounts of the sub payment card applications through the payment card system;

38. A network device applied to a payment card system is characterized in that a terminal comprises a security unit (SE), the SE comprises 1 main SE module and at least t sub SE modules, the main SE module corresponds to a main payment card application, and the network device comprises:

39. A system for mobile payment, comprising:

a charging device and a terminal for mobile payment according to any of claims 20-37;

or,

a charging device, a terminal for mobile payment according to any of claims 26, 27, 32, 37, and a network device according to claim 38.