Credit payment method and apparatus based on card emulation of mobile terminal

A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:

• receiving, at an entrance control device of an access-controlled area, a near-field communication signal from a mobile computing device comprising an embedded secure element (eSE) that stores an APP public key and an APP private key;
• generating and sending, by the entrance control device, a credit payment request to a user account of a credit payment application (APP) installed on the mobile computing device, the credit payment request including an information field indicating a card information reading message for reading an APP public key license;
• receiving, by the entrance control device, a payment response message from the mobile computing device, the payment response message including at least one of:
• a payment card number, an available balance, a station entrance/exit flag, or information about a last transaction;
• parsing, by the entrance control device, the payment response message to identify the APP public key license;
• verifying, by the entrance control device, using a pre-stored credit authorization public key, the APP public key license;
• determining, by the entrance control device, that the APP public key license is successfully verified;
• in response to determining that the APP public key license is successfully verified, retrieving, by the entrance control device, the APP public key from the eSE of the mobile computing device and based on the APP public key license;
• calculating a payment amount based on the payment response message;
• generating and sending, by the entrance control device, a payment deduction request to the user account of the credit payment APP;
• receiving, by the entrance control device, a payment authorization encrypted using asymmetric key encryption from the mobile computing device, wherein the payment authorization includes payment information encrypted by using the APP private key and a transaction authentication code (TAC);
• using the APP public key to decrypt the payment authorization;
• determining that the payment authorization is successfully decrypted;
• in response to determining that the payment authorization is successfully decrypted:
• recording, on a storage device, a particular log of an unsettled transaction as a part of an accumulated plurality of unsettled transaction logs, and
• granting, by the entrance control device, entry to the access controlled area;
• sending the accumulated plurality of unsettled transaction logs including the particular log of the unsettled transaction to a credit payment authorization server to decrypt the transaction authentication code (TAC) of the particular log and to resolve the unsettled transaction;
• and
• receiving a payment from the credit payment authorization server according to the payment amount.

A computer-implemented system, comprising:

• one or more computers;
• and
• one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:
• receiving, at an entrance control device of an access-controlled area, a near-field communication signal from a mobile computing device comprising an embedded secure element (eSE) that stores an APP public key and an APP private key;
• generating and sending, by the entrance control device, a credit payment request to a user account of a credit payment application (APP) installed on the mobile computing device, the credit payment request including an information field indicating a card information reading message for reading an APP public key license;
• receiving, by the entrance control device, a payment response message from the mobile computing device, the payment response message including at least one of:
• a payment card number, an available balance, a station entrance/exit flag, or information about a last transaction;
• parsing, by the entrance control device, the payment response message to identify the APP public key license;
• verifying, by the entrance control device, using a pre-stored credit authorization public key, the APP public key license;
• determining, by the entrance control device, that the APP public key license is successfully verified;
• in response to determining that the APP public key license is successfully verified, retrieving, by the entrance control device, the APP public key from the eSE of the mobile computing device and based on the APP public key license;
• calculating a payment amount based on the payment response message;
• generating and sending, by the entrance control device, a payment deduction request to the user account of the credit payment APP;
• receiving, by the entrance control device, a payment authorization encrypted using asymmetric key encryption from the mobile computing device, wherein the payment authorization includes payment information encrypted by using the APP private key and a transaction authentication code (TAC);
• using the APP public key to decrypt the payment authorization;
• determining that the payment authorization is successfully decrypted;
• in response to determining that the payment authorization is successfully decrypted:
• recording, on a storage device, a particular log of an unsettled transaction as a part of an accumulated plurality of unsettled transaction logs, and
• granting, by the entrance control device, entry to the access controlled area;
• sending the accumulated plurality of unsettled transaction logs including the particular log of the unsettled transaction to a credit payment authorization server to decrypt the transaction authentication code (TAC) of the particular log and to resolve the unsettled transaction;
• and
• receiving a payment from the credit payment authorization server according to the payment amount.