EP-4742132-A1 - NFC STUDENT BUSINESS PROCESSING METHOD, DEVICE, AND EQUIPMENT

EP4742132A1EP 4742132 A1EP4742132 A1EP 4742132A1EP-4742132-A1

Abstract

An NFC student service processing solution that is used in a merchant NFC terminal includes: receiving a student service trigger instruction sent by a merchant payment collection device, and entering a student identity verification state in response to the student service trigger instruction; in the student identity verification state, if a user mobile terminal approaches an NFC sensing area on the merchant NFC terminal, performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal; and prompting payment status information based on a status of performing, by the merchant NFC terminal or the merchant payment collection device, a corresponding student benefit payment service for the target user in response to the result.

Inventors

YAO, Sida
FU, Yiling

Assignees

Alipay (Hangzhou) Digital Service Technology Co., Ltd.

Dates

Publication Date: 20260513
Application Date: 20251106

Claims (15)

An NFC student service processing method performed by a merchant NFC terminal, wherein the method comprises: receiving a student service trigger instruction sent by a merchant payment collection device, and entering a student identity verification state in response to the student service trigger instruction; in the student identity verification state, if a user mobile terminal approaches an NFC sensing area on the merchant NFC terminal, performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal, wherein the student identity verification is completed based on user information on a platform that is provided by a service provider of the merchant NFC terminal and that is interconnected with a plurality of different merchants; and prompting payment status information based on a status of performing, by the merchant NFC terminal or the merchant payment collection device, a corresponding student benefit payment service for the target user in response to the result.
The method of claim 1, wherein the performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal comprises: performing the NFC communication with the user mobile terminal to trigger the user mobile terminal to enter a corresponding service page, so that the user mobile terminal invokes, in the service page, a student identity verification service provided by the platform to complete the student identity verification, and the merchant NFC terminal or the merchant payment collection device correspondingly obtains the result of the student identity verification of the target user after the student identity verification is completed.
The method of claim 1 or 2, wherein the result of the student identity verification is indirectly represented by a student benefit obtained based on a student identity, and/or is directly represented by whether the verification succeeds.
The method of claim 3, wherein the performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal comprises: performing first-round NFC communication with the user mobile terminal, so that the student identity verification of the target user is completed on the user mobile terminal, and the student benefit corresponding to the student identity is obtained, wherein in a process of completing the student identity verification, the user mobile terminal leaves an NFC communication range of the merchant NFC terminal; and performing second-round NFC communication with the user mobile terminal if the user mobile terminal re-approaches the NFC sensing area on the merchant NFC terminal, so that the merchant NFC terminal or the merchant payment collection device determines that the target user has obtained the student benefit, so as to use the student benefit to perform the corresponding student benefit payment service for the target user.
The method of claim 4, wherein the first-round NFC communication comprises: providing, to the user mobile terminal through NFC communication, address information of the service page for invoking the student identity verification service provided by the platform, so that the user mobile terminal automatically accesses the service page; and/or the second-round NFC communication comprises: obtaining a credential of the student benefit or identification information of the target user that is provided by the user mobile terminal through the NFC communication, wherein the identification information is used to query the student benefit obtained by the target user.
The method of claim 4, wherein the student service trigger instruction is sent to the merchant NFC terminal by performing a corresponding operation on a first operation control on the merchant payment collection device; and the performing second-round NFC communication with the user mobile terminal if the user mobile terminal re-approaches the NFC sensing area on the merchant NFC terminal comprises: after the user mobile terminal leaves the NFC communication range of the merchant NFC terminal after the first-round NFC communication is performed, receiving a payment trigger instruction sent by the merchant payment collection device, wherein the payment trigger instruction is sent by performing a corresponding operation on a second operation control on the merchant payment collection device; and performing the second-round NFC communication with the user mobile terminal if the user mobile terminal re-approaches the NFC sensing area on the merchant NFC terminal.
The method of claim 4, wherein the performing the second-round NFC communication with the user mobile terminal if the user mobile terminal re-approaches the NFC sensing area on the merchant NFC terminal comprises: in a case that the merchant payment collection device is not triggered again, if the user mobile terminal re-approaches the NFC sensing area on the merchant NFC terminal, determining, based on user information provided after the user mobile terminal is re-approaching, whether a user change occurs; and if no user change occurs, performing the second-round NFC communication with the user mobile terminal.
The method of claim 1, wherein the performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal comprises: performing the NFC communication with the user mobile terminal to obtain the result of the student identity verification of the target user corresponding to the user mobile terminal, and returning the result to the merchant payment collection device, so that the merchant payment collection device initiates the corresponding student benefit payment service based on a preferential price corresponding to the student identity.
The method of claim 1, wherein the target user comprises a login user of the user mobile terminal and one or more related users of the login user; the entering a student identity verification state in response to the student service trigger instruction comprises: entering a group student identity verification state in response to the student service trigger instruction; and the in the student identity verification state, if a user mobile terminal approaches an NFC sensing area on the merchant NFC terminal, performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal comprises: in the group student identity verification state, if the user mobile terminal approaches the NFC sensing area on the merchant NFC terminal, performing the NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of group student identity verification of the target user corresponding to the user mobile terminal.
The method of claim 9, wherein the performing NFC communication with a user mobile terminal to enable the merchant NFC terminal to obtain a result of student identity verification of a target user corresponding to the user mobile terminal comprises: sending group collection permission information to the user mobile terminal through the NFC communication; and receiving a result of student identity verification of the login user provided by the user mobile terminal, and a result that is of student identity verification of each related user and that is collected by the user mobile terminal from a related mobile terminal by using a permission corresponding to the group collection permission information.
The method of claim 10, wherein after the sending group collection permission information to the user mobile terminal, the method further comprises: in a case that a specified waiting condition is satisfied, refusing to perform the NFC communication with another user mobile terminal other than the user mobile terminal.
The method of claim 10, wherein a merchant in which the target user is located has a plurality of merchant NFC terminals, and at least one of the merchant NFC terminals is deployed in an area outside a checkout of the merchant, for sending the group collection permission information.
An NFC student service processing method performed by a user mobile terminal, wherein the method comprises: after a merchant NFC terminal enters a student identity verification state in response to a student service trigger instruction sent by a merchant payment collection device, approaching an NFC sensing area on the merchant NFC terminal to perform NFC communication with the merchant NFC terminal; automatically entering a corresponding service page under triggering of the NFC communication, and invoking, in the service page, a student identity verification service provided by a platform to complete student identity verification based on user information on the platform, wherein the platform is provided by a service provider of the merchant NFC terminal, and is interconnected with a plurality of different merchants; and obtaining a result of the student identity verification, so that the merchant NFC terminal or the merchant payment collection device prompts payment status information for a status in which a target user performs a corresponding student benefit payment service in response to the result.
An NFC student service processing device used in a merchant NFC terminal, wherein the device comprises: at least one processor; and a memory communicatively connected to the at least one processor, wherein the memory stores instructions that are capable of being executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor is capable of performing the method of any one of claims 1 to 12.
An NFC student service processing device used in a user mobile terminal, wherein the device comprises: at least one processor; and a memory communicatively connected to the at least one processor, wherein the memory stores instructions that are capable of being executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor is capable of performing the method of claim 13.

Description

TECHNICAL FIELD This specification relates to the field of near field communication (NFC) technologies, and in particular, to NFC student service processing methods, apparatuses, and devices. BACKGROUND With development of Internet technologies and wide use of smartphones, an increasing quantity of services can be performed by using corresponding applications on the smartphone. This brings great convenience to people's lives. To attract traffic and enhance brand influence, many merchants launch various online promotional activities. These promotional activities usually allow users to scan quick response (QR) codes for coupons or directly obtain coupons in merchant applications. All registered users can obtain and use coupons conveniently. In practice, some merchants are starting to pay attention to the student demographic, and aim to launch exclusive benefits specifically for the students. Reasons are as follows: In one aspect, the students have limited spending power. Therefore, such exclusive benefits can more effectively win favor of the students, making the students more likely to become loyal customers of the merchant. In another aspect, the students are inherently social, and word-of-mouth about merchants spreads more easily among the students. In addition, the students often gather in small to large groups in the real world, leading to a high concentration of traffic. Therefore, the exclusive benefits help more efficiently obtain the student traffic. Certainly, to obtain the exclusive benefits, the students need to undergo corresponding student identity verification. Currently, common ways include: presenting a physical student ID card to a staff, or providing detailed proof of information such as a name, an ID card number, a school name, and a student ID number in the merchant application. In the former way, there may be fraud, the students may not always carry their physical student ID cards, and verification by the staff is inefficient. In the latter way, the students need to manually fill in a substantial amount of information on the spot, and need to repeat the process for different merchants, making the operation cumbersome and inefficient. In view of this, there is a need for a solution that enables the student benefit services to be performed for the students more conveniently, efficiently, and securely. SUMMARY One or more implementations of this specification provide NFC student service processing methods, apparatuses, and devices, to resolve the following technical problem: There is a need for a solution that enables the student benefit services to be performed for the students more conveniently, efficiently, and securely. To resolve the above-mentioned technical problem, one or more implementations of this specification are implemented as follows. One or more implementations of this specification provide an NFC student service processing method performed by a merchant NFC terminal. The method includes: receiving a student service trigger instruction sent by a merchant payment collection device, and entering a student identity verification state in response to the student service trigger instruction; in the student identity verification state, if a user mobile terminal approaches an NFC sensing area on the merchant NFC terminal, performing NFC communication with the user mobile terminal to enable the merchant NFC terminal or the merchant payment collection device to obtain a result of student identity verification of a target user corresponding to the user mobile terminal, where the student identity verification is completed quickly based on user information on a platform that is provided by a service provider of the merchant NFC terminal and that is interconnected with a plurality of different merchants; and prompting payment status information based on a status of performing, by the merchant NFC terminal or the merchant payment collection device, a corresponding student benefit payment service for the target user in response to the result. One or more implementations of this specification provide another NFC student service processing method performed by a user mobile terminal. The method includes: after a merchant NFC terminal enters a student identity verification state in response to a student service trigger instruction sent by a merchant payment collection device, approaching an NFC sensing area on the merchant NFC terminal to perform NFC communication with the merchant NFC terminal; automatically entering a corresponding service page under triggering of the NFC communication, and invoking, in the service page, a student identity verification service provided by a platform to quickly complete student identity verification based on user information on the platform, where the platform is provided by a service provider of the merchant NFC terminal, and is interconnected with a plurality of different merchants; and obtaining a result of the student identity verification, so that the mer