Near Field Communication NFC-Based Transaction Method and Device

Abstract

This application relates to electronic hardware, and in particular, to a handheld terminal that performs a transaction based on NFC. A first terminal and a second terminal each support multiple transaction manners, negotiate a to-be-used transaction manner by using an NFC connection, and automatically invoke a payment client to initiate a transaction request to a transaction server. The first terminal and the second terminal further sort and screen the multiple transaction manners before negotiation.

1 .- 20 . (canceled) 
     
     
         21 . A method, comprising:
 negotiating, by a first terminal using a first near field communication (NFC) connection, a transaction manner with a second terminal, to determine, by the first terminal, a first transaction manner for performing a first transaction with the second terminal, wherein the first transaction manner is supported by the first terminal and the second terminal, and a plurality of transaction manners are supported by the first terminal;   using, by the first terminal, the first transaction manner to perform the first transaction with the second terminal;   negotiating, by the first terminal using a second NFC connection, a transaction manner with a third terminal, to determine, by the first terminal, a second transaction manner to perform a second transaction with the third terminal, wherein the second transaction manner is supported by the first terminal and the third terminal; and   using, by the first terminal, the second transaction manner to perform the second transaction with the third terminal.   
     
     
         22 . The method according to  claim 21 , wherein before using the first transaction manner to perform the first transaction with the second terminal, the method further comprises:
 displaying, by the first terminal, a first user interface indicating that the first transaction manner is selected; and   wherein before using the second transaction manner to perform the second transaction with the third terminal, the method further comprises:
 displaying, by the first terminal, a second user interface indicating that the second transaction manner is selected. 
   
     
     
         23 . The method according to  claim 22 , wherein:
 in the first user interface, the first transaction manner is sorted ahead of the second transaction manner; and   in the second user interface, the second transaction manner is sorted ahead of the first transaction manner.   
     
     
         24 . The method according to  claim 21 , wherein a plurality of transaction manners are supported by the second terminal or a plurality of transaction manners are supported by the third terminal. 
     
     
         25 . The method according to  claim 21 , wherein:
 negotiating the transaction manner with the second terminal comprises:
 sending, by the first terminal using the first NFC connection, a first transaction message to the second terminal; 
   negotiating the transaction manner with the third terminal comprises:
 sending, by the first terminal using the second NFC connection, a second transaction message to the third terminal; 
   the first transaction message and the second transaction message each comprise one or more records; and   each record in the one or more records comprises information indicating a money transfer method supported by the first terminal.   
     
     
         26 . The method according to  claim 21 , wherein before determining the first transaction manner for performing the first transaction with the second terminal, the method further comprises:
 receiving, by the first terminal using the first NFC connection, one or more records from the second terminal, wherein each record in the one or more records comprises information indicating a money transfer method supported by the second terminal.   
     
     
         27 . The method according to  claim 21 , wherein before using the first transaction manner to perform the first transaction with the second terminal, the method further comprises:
 sending, by the first terminal using the first NFC connection, the first transaction manner to the second terminal; and   receiving, by the first terminal using the first NFC connection, account information corresponding to the first transaction manner from the second terminal.   
     
     
         28 . The method according to  claim 21 , wherein using the first transaction manner to perform the first transaction with the second terminal comprises:
 sending, by the first terminal, a transaction request to a server corresponding to the first transaction manner.   
     
     
         29 . The method according to  claim 28 , wherein the transaction request comprises first account information and second account information, wherein the first account information corresponds to the first terminal and the first transaction manner, and the second account information corresponds to the second terminal and the first transaction manner. 
     
     
         30 . The method according to  claim 21 , the first terminal is a charge payer or a charge receiver. 
     
     
         31 . A terminal, configured to act as a first terminal, the terminal comprising:
 at least one processor; and   at least one memory, wherein the at least one memory comprises instructions that, when executed by the at least one processor, cause the terminal to perform operations comprising:
 negotiating, using a first NFC connection, a transaction manner with a second terminal, to determine a first transaction manner for performing a first transaction with the second terminal, wherein a plurality of transaction manners are supported by the first terminal, and wherein the first transaction manner is supported by the first terminal and the second terminal; 
 using the first transaction manner to perform the first transaction with the second terminal; 
 negotiating, using a second NFC connection, a transaction manner with a third terminal, to determine a second transaction manner for performing a second transaction with the third terminal, wherein the second transaction manner is supported by the first terminal and the third terminal; and 
 using the second transaction manner to perform the second transaction with the third terminal. 
   
     
     
         32 . The terminal according to  claim 31 , wherein the instructions, when executed by the at least one processor, cause the terminal to perform operations further comprising:
 before using the first transaction manner to perform the first transaction with the second terminal, displaying, by the first terminal, a first user interface indicating that the first transaction manner is selected; and   wherein before using the second transaction manner to perform the second transaction with the third terminal, displaying, by the first terminal, a second user interface indicating that the second transaction manner is selected.   
     
     
         33 . The terminal according to  claim 32 , wherein:
 in the first user interface, the first transaction manner is sorted ahead of the second transaction manner; and   in the second user interface, the second transaction manner is sorted ahead of the first transaction manner.   
     
     
         34 . The terminal according to  claim 31 , wherein a plurality of transaction manners are supported by the second terminal, or a plurality of transaction manners are supported by the third terminal. 
     
     
         35 . The terminal according to  claim 31 , wherein the instructions, when executed by the at least one processor, cause the terminal to perform operations further comprising:
 sending, using a the first NFC connection, a first transaction message to the second terminal; and   sending, using the second NFC connection, a second transaction message to the third terminal, wherein:
 the first transaction message and the second transaction message each comprise one or more records; and 
 each record in the one or more records comprises information indicating a money transfer method supported by the first terminal. 
   
     
     
         36 . The terminal according to  claim 31 , wherein the instructions, when executed by the at least one processor, cause the terminal to perform operations further comprising:
 before determining the first transaction manner for performing the first transaction with the second terminal, receiving, using the first NFC connection, one or more records from the second terminal, wherein each record in the one or more records comprises information indicating a money transfer method supported by the second terminal.   
     
     
         37 . The terminal according to  claim 31 , wherein the instructions, when executed by the at least one processor, cause the terminal to perform operations further comprising:
 before using the first transaction manner to performing the first transaction with the second terminal, sending, using the first NFC connection, the first transaction manner to the second terminal; and   receiving, by the first terminal using the first NFC connection, account information corresponding to the first transaction manner from the second terminal.   
     
     
         38 . The terminal according to  claim 31 , wherein the instructions, when executed by the at least one processor, cause the terminal to perform operations comprising:
 sending a transaction request to a server corresponding the first transaction manner.   
     
     
         39 . The terminal according to  claim 38 , wherein the transaction request comprises first account information and second account information, wherein the first account information corresponds to the first terminal and the first transaction manner, and the second account information corresponds to the second terminal and the first transaction manner. 
     
     
         40 . The terminal according to  claim 31 , wherein the first terminal is a charge payer or a charge receiver.