WO2018166097A1 - Payment method, terminal and server - Google Patents

Abstract

The embodiments of the present application relate to a payment method. The method comprises: a payment terminal receives a first operation to enter a payment mode; the payment terminal receives to-be-paid information from a to-be-paid terminal by means of near-field wireless communication, wherein the to-be-paid information comprises information about a to-be-paid user; and the payment terminal sends payment information to a server according to the to-be-paid information, wherein the payment information comprises information about a paying user and the to-be-paid information.

Description

Payment method, terminal and server Technical field

The present application relates to the field of communications technologies, and in particular, to a payment method, a terminal, and a server.

Background technique

Currently, there are two payment schemes based on Near Field Communication (NFC).

One solution is to insert a bank card in a smart watch. When paying, the built-in bank card is connected with a point of sales terminal (POS) and paid. This solution requires a POS machine; when there is no POS machine, the solution cannot be used; and in this solution, the user needs to set a bank card in advance, which is cumbersome and has a poor user experience.

Another solution is to log in to the application of the smart watch (Application, APP), or log in to the application on the mobile phone connected to the smart watch, select the payment object, and make a payment. The scheme is cumbersome to operate and has a poor user experience.

Summary of the invention

The embodiment of the present application provides a payment method, which can automatically initiate payment and pay for the payment according to the distance between the payment terminal and the terminal to be paid, without the user performing the operation specified by the object, and without the built-in bank card in the terminal. Easy to operate, wide range of applications, and improved user experience.

In a first aspect, an embodiment of the present application provides a payment method, where the method includes: a payment terminal receives a first operation, and enters a payment mode; and the payment terminal receives information to be paid from the to-be-paid terminal by short-range wireless communication. The to-be-paid information includes information of a user to be paid; the payment terminal sends payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation manner, the payment information further includes a payment security credential of the payment user.

In a possible implementation, before the payment terminal sends the payment information to the server according to the to-be-paid information, the method further includes: the payment terminal displaying a payment interface according to the to-be-paid information; the payment terminal Receiving a second operation, and transmitting payment information to the server according to the second operation.

In a possible implementation manner, the payment interface includes a payment confirmation interface or a payment confirmation button, and the second operation includes a payment confirmation operation.

In a possible implementation manner, the payment interface includes a payment editing interface, and the second operation includes a payment editing operation.

In a second aspect, the embodiment of the present application further provides a payment method, where the method includes: receiving a terminal to receive a payment operation, and entering a to-be-paid mode; and the to-be-paid terminal sends a to-be-paid payment to the payment terminal by short-range wireless communication. And the information to be paid includes the information of the user to be paid, so that the payment terminal sends the payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation manner, before the to-be-paid terminal sends the to-be-paid information to the payment terminal by the short-range wireless communication, the method further includes: the to-be-paid terminal sends an order information request to the server, The order information request includes information of the user to be paid; the to-be-paid terminal receives at least one order information from the server, and the order information includes an order number and/or an order amount.

In a third aspect, the embodiment of the present application further provides a payment method, where the method includes: receiving, by the server, payment information that is sent by the payment terminal according to the information to be paid, where the payment information includes information of the payment user and information to be paid, The to-be-paid information includes information of a user to be paid; wherein the to-be-paid information is information received by the payment terminal from the to-be-paid terminal by short-range wireless communication; and the server pays the user according to the payment information. The third party payment account or bank account is debited to complete the payment.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation manner, the payment information further includes a payment security credential of the payment user.

In a fourth aspect, the embodiment of the present application provides a payment apparatus, where the payment apparatus includes: a processing unit, configured to receive a first operation, enter a payment mode; and a communication unit, configured to receive from the short-range wireless communication The terminal receives the information to be paid, the information to be paid includes the information of the user to be paid, and the communication unit is further configured to send the payment information to the server according to the information to be paid, where the payment information includes information of the payment user and the to-be-paid information.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation manner, the payment information further includes a payment security credential of the payment user.

In a possible implementation, the payment device further includes: a display unit, configured to display a payment interface according to the to-be-paid information; the communication unit is further configured to receive a second operation, according to the second operation The server sends payment information.

In a possible implementation manner, the payment interface includes a payment confirmation interface or a payment confirmation button, and the second operation includes a payment confirmation operation.

In a possible implementation manner, the payment interface includes a payment editing interface, and the second operation instruction includes a payment editing operation.

In a fifth aspect, the embodiment of the present application further provides a to-be-paid device, where the to-be-paid device includes: a processing unit, receiving an operation, and entering a to-be-paid mode; and a communication unit, configured to send to the payment terminal by short-range wireless communication And the payment information, where the information to be paid includes information of the user to be paid, so that the payment terminal sends the payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation, the communication unit is further configured to send an order information request to the server, where the order information request includes information of the to-be-paid user; and the to-be-paid terminal receives at least the server from the server. An order information, the order information including an order number and/or an order amount.

In a sixth aspect, the embodiment of the present application provides a server, where the server includes: a communication unit, configured to receive payment information that is sent by the payment terminal according to the information to be paid, where the payment information includes information of the payment user and information to be paid, The information to be paid includes information of a user to be paid; wherein the information to be paid is information received by the payment terminal from the terminal to be paid by short-range wireless communication, and the payment terminal and the terminal to be paid Between The distance meets the NFC requirement; the processing unit is configured to debit the payment user's third party payment account or bank account according to the payment information to complete the payment.

In a possible implementation manner, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In a possible implementation manner, the payment information further includes a payment security credential of the payment user.

In a seventh aspect, the embodiment of the present application provides a payment system, where the payment system includes the payment device according to the fourth aspect, the device to be paid according to the fifth aspect, and the server according to the sixth aspect.

In an eighth aspect, an embodiment of the present application provides a payment terminal, where the payment terminal includes a communication interface and a processor, and is configured to perform the method described in the first aspect.

In a ninth aspect, the embodiment of the present application provides a to-be-paid terminal, where the to-be-paid terminal includes a communication interface and a processor, and is configured to perform the method described in the second aspect.

In a tenth aspect, the embodiment of the present application provides a server, where the server includes a communication interface and a processor, and is configured to perform the method described in the third aspect.

In an eleventh aspect, the embodiment of the present application provides a payment system, where the payment system includes the payment terminal according to the eighth aspect, the to-be-paid terminal according to the ninth aspect, and the server according to the tenth aspect.

In a twelfth aspect, the embodiment of the present application provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and the computer program is executed by the processor, such as the first aspect, the second aspect, and the The method of at least one of the three aspects.

Therefore, by the method, the device, the terminal, and the server provided by the embodiment of the present application, the user can initiate, perform, and complete payment or payment by controlling the distance between the terminals, thereby improving the speed and convenience of payment or payment. , improved user experience.

DRAWINGS

FIG. 1 is a schematic diagram of an application architecture of a payment method according to an embodiment of the present disclosure;

2 is a schematic structural diagram of a payment terminal according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of a server according to an embodiment of the present application;

4 is a flowchart of a payment method according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an effect of a payment method according to an embodiment of the present application;

FIG. 6 is a schematic diagram of an effect of a payment method according to an embodiment of the present application;

FIG. 7 is a flowchart of a payment method according to an embodiment of the present application;

FIG. 8 is an interaction flowchart of a payment method according to an embodiment of the present application;

FIG. 9 is an interaction flowchart of a payment method according to an embodiment of the present application.

detailed description

The technical solutions in the embodiments of the present application are clearly and completely described in the following with reference to the drawings in the embodiments of the present application. It is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by those skilled in the art based on the embodiments in the present application are within the scope of the present application.

Electronic payment is becoming more and more common, bringing great convenience to human life. How to further improve the convenience of electronic payment and enhance the user experience is still worth studying. In the embodiment of the present application, it may be based on a payment terminal and a terminal to be paid The distance between the triggers the payment; for example, when the payment terminal and the terminal to be paid are in close contact, the payment is triggered; thus, at the time of payment, the user is not required to trigger the payment.

It should be noted that, in the embodiment of the present application, the payment user may refer to a user who pays money or payment, and the terminal used by the user may be referred to as a payment terminal; the user to be paid may refer to a user who receives money or collects money, and may also refer to Let the user paying the user to pay for other users, for example, A purchases the goods of B or the money owed by B, and pays the corresponding payment or arrears from C to A to B, then A is the user to be paid, and C is the payment. The user, the terminal used by the user to be paid can be referred to as a terminal to be paid.

FIG. 1 shows an application architecture of a payment method provided by an embodiment of the present application, which is composed of a payment terminal, a terminal to be paid, and a server. The payment terminal and the to-be-paid terminal may specifically be a smart watch, a mobile phone, a tablet, a computer with wireless transceiver function, a virtual reality (VR) terminal device, and an augmented reality (AR). Terminal equipment, wireless terminals in industrial control, wireless terminals in self driving, wireless terminals in remote medical, wireless terminals in smart grid, transportation security A wireless terminal in a (transportation safety), a wireless terminal in a smart city, a wireless terminal in a smart home, and the like. The server may store related information of the payment user and the user to be paid, and may perform authentication, processing, and the like according to the information sent by the terminal. The server may store information of the pre-established account of the paying user and/or the user to be paid, or may have an interface of a third-party payment platform. The payment terminal, the to-be-paid terminal, and the server can perform communication interaction through the wireless network. When the distance between the payment terminal and the to-be-paid terminal meets the preset condition, the payment terminal and the to-be-paid terminal can automatically initiate communication interaction.

FIG. 2 is a schematic diagram showing a possible structure of a payment terminal provided by an embodiment of the present application. The payment terminal 200 can include a baseband chip 210, a memory 215 (one or more computer readable storage media), a radio frequency (RF) module 216, and a peripheral system 217. These components can communicate over one or more communication buses 214.

The peripheral system 217 is mainly used to implement an interaction function between the payment terminal 200 and the user/external environment, including input and output devices of the payment terminal 200. In some embodiments, the peripheral system 217 can include a touch screen controller 218, a camera controller 219, an audio controller 220, and a sensor management module 221. Each controller may be coupled to a respective peripheral device (eg, touch display 222, camera 223, audio circuit 224, and sensor 225). In some embodiments, camera 223 can be a 3D camera. It should be noted that the peripheral system 217 may also include other I/O peripherals.

The touch display 222 can be used to display information entered by a user or to present information to a user. For example, various menus of the payment terminal 200, an interface showing the running application, can be displayed. For example, Button, Text, Scroll Bar, Menu, and so on. The touch display screen 222 can include a touch panel and a display panel. In one example, the display panel can be configured in the form of a liquid crystal display (LCD), an organic light-emitting diode (OLED), or the like. Further, the touch panel may cover the display panel. When the touch panel detects a touch operation on or near the touch panel, the touch panel transmits to the processor 211 to determine the type of the touch event, and then the processor 211 displays the type according to the touch event. A corresponding visual output is provided on the panel. The touch panel and the display panel are two independent components to implement the input and output functions of the payment terminal 200, but in some embodiments, the input and output of the payment terminal 200 can be realized by integrating the touch panel with the display panel. Features.

The baseband chip 210 can be integrated including: one or more processors 211, a clock module 212, and a power management module 213. The clock module 212 integrated in the baseband chip 210 is primarily used to generate the clocks required for data transfer and timing control for the processor 211. The power management module 213 integrated in the baseband chip 210 is mainly used to provide a stable, high-accuracy voltage for the processor 211, the radio frequency module 216, and the peripheral system.

A radio frequency (RF) module 216 is used to receive and transmit radio frequency signals, primarily integrating the receiver and transmitter of the payment terminal 200. A radio frequency (RF) module 216 communicates with the communication network and other communication devices via radio frequency signals. In some embodiments, radio frequency (RF) module 216 can include, but is not limited to: an antenna system, an RF transceiver, one or more amplifiers, a tuner, one or more oscillators, a digital signal processor, a CODEC chip, a SIM Cards and storage media, etc. In some embodiments, a radio frequency (RF) module 216 can be implemented on a separate chip. Generally, wireless transmission can be performed through the radio frequency module, such as NFC transmission, Bluetooth (English: Bluetooth) transmission, wireless fidelity (English: WIreless-Fidelity, referred to as WI-FI) transmission, and third-generation mobile communication technology ( English: 3rd-Generation, referred to as: 3G) transmission, fourth-generation mobile communication technology (English: the 4th Generation mobile communication, referred to as: 4G) transmission, Zigbee protocol (Zigbee).

Memory 215 is coupled to processor 211 for storing various software programs and/or sets of instructions. In some embodiments, memory 215 can include high speed random access memory, and can also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid state storage devices. The memory 215 can store an operating system (hereinafter referred to as a system) such as an embedded operating system such as ANDROID, IOS, WINDOWS, or LINUX.

The memory 215 can also store a network communication program that can be used to communicate with one or more payment terminals. The memory 215 can also store a user interface program, which can realistically display the content of the application through a graphical operation interface, and receive user control operations on the application through input controls such as menus, dialog boxes, and keys. .

The memory 215 can also store one or more applications. As shown in FIG. 2, these applications may include: a payment application (such as a Huawei wallet), a social application (such as Facebook), an image management application (such as an album), and a map application (such as Google Maps). Browsers (such as Safari, Google Chrome) and more.

The payment terminal 200 provided by the embodiment of the present invention is only an example provided by the embodiment of the present application, and the payment terminal 200 may have more or less components than the components shown, and two or more components may be combined. Or it can have different configurations of components.

In addition, the payment terminal 200 provided by the foregoing embodiment is used to implement the payment method provided by the embodiment of the present application.

It will be appreciated that various software programs and/or sets of instructions are stored in the aforementioned memory 215. The radio frequency module 216, the processor 211, the touch screen controller 218, and the touch display screen 223 described below implement the functions of the payment terminal by calling various software programs and/or sets of instructions in the memory 215.

Specifically, the processor receives the first operation and enters a payment mode. The radio frequency module 216 receives the information to be paid from the to-be-paid terminal by short-range wireless communication; wherein the to-be-paid information includes information of the user to be paid. The processor 211 obtains the information to be paid transmitted by the radio frequency module 216, and then sends the payment information to the server according to the information to be paid in conjunction with the radio frequency module 216, and the payment information carries the information of the payment user and the information to be paid.

Further, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

Further, the payment information further includes a payment security credential of the payment user.

Further, the radio frequency module 216 can receive payment results from the server.

Further, the touch display screen 222 can display the payment interface according to the to-be-paid information; the processor 211 receives the second operation; the processor 211 instructs the radio frequency module 216 to send the payment information to the server according to the second operation.

Further, the to-be-paid information includes a payment amount and/or order information; the payment interface includes a payment confirmation interface, and the second operation includes a payment confirmation operation.

Further, the payment interface includes a payment editing interface, and the second operation includes a payment editing operation.

Further, the radio frequency module 216 sends a to-be-paid request to the to-be-paid terminal to request the to-be-paid information, where the to-be-paid request includes information of the payment user.

Further, the radio frequency module 216 receives a to-be-paid request response from the to-be-paid terminal, and the to-be-paid request response is used to indicate that the to-be-paid terminal has received the to-be-paid request.

Further, the radio frequency module 216 sends a to-be-paid response to the to-be-paid terminal, where the to-be-paid response is used to indicate that the payment terminal has received the to-be-paid information.

The payment terminal provided by the embodiment of the present invention can obtain the information to be paid when the distance between the payment terminal and the terminal to be paid satisfies the preset condition, and send the payment information to the sending server according to the information to be paid, so that the server The payment processing is performed according to the payment information, thereby realizing that the user can complete the payment or the payment by controlling the distance between the terminals, simplifying the operation of payment or payment, and improving the user experience.

The embodiment of the present application further provides a to-be-paid terminal. The possible structure of the to-be-paid terminal may refer to the foregoing description of the structure of the terminal to be paid. The terminal to be paid may have the same components as the payment terminal, may have more or fewer components than the payment terminal, may also combine two or more components, or may have different configurations of components.

In addition, the foregoing to-be-paid terminal is used to implement the payment method provided by the embodiment of the present application.

Specifically, the processor of the to-be-paid terminal receives the operation and enters a to-be-paid mode; the radio frequency module of the to-be-paid terminal sends the to-be-paid information to the payment terminal by short-range wireless communication, where the to-be-paid information includes the user to be paid And the information, so that the payment terminal sends the payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

Further, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

Further, the radio frequency module of the to-be-paid terminal receives the payment result from the server.

Further, the radio frequency module of the to-be-paid terminal receives a to-be-paid request from the payment terminal to request the to-be-paid information, and the to-be-paid request includes information of the payment user.

Further, the radio frequency module of the to-be-paid terminal sends an order information request to the server, where the order information request includes information of the user to be paid; and the to-be-paid terminal receives at least one order information from the server. The order information includes the order number and/or the order amount.

Further, the radio frequency module of the to-be-paid terminal receives a to-be-paid response from the payment terminal, and the to-be-paid response is used to indicate that the payment terminal has received the to-be-paid information.

The to-be-paid terminal provided by the embodiment of the present application may send the to-be-paid information to the to-be-paid terminal when the distance between the terminal and the payment terminal meets the preset condition, so that the payment terminal sends the payment to the sending server according to the to-be-paid information. The information is obtained, and the server performs deduction processing according to the payment information, thereby realizing that the user can complete the payment or the payment by controlling the distance between the terminals, simplifying the operation of payment or payment, and improving the user experience.

FIG. 3 is a schematic diagram showing a possible structure of a server provided by an embodiment of the present application. The server 300 can A receiver 310, a processor 320, a transmitter 330, and a memory 340 (one or more readable storage media) are included. These components can communicate over one or more communication buses 350.

The bus 350 may be a peripheral component interconnect standard (English: peripheral component interconnect, PCI for short) or an extended industry standard architecture (EISA) bus. The bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one thick line is shown in Figure 3, but it does not mean that there is only one bus or one type of bus.

The receiver 310 and the transmitter 330 are communication interfaces for the server to communicate with other devices. It can be a wired communication access port, a wireless communication interface or a combination thereof, wherein the wired communication interface can be, for example, an Ethernet interface. The Ethernet interface can be an optical interface, an electrical interface, or a combination thereof. The wireless communication interface can be a WLAN interface, a cellular network communication interface, or a combination thereof.

The processor 320 may be a central processing unit (English: central processing unit, CPU for short), a network processor (English: network processor, NP for short) or a combination of CPU and NP.

Processor 320 may also further include a hardware chip. The hardware chip may be an application-specific integrated circuit (ASIC), a programmable logic device (PLD) or a combination thereof. The above PLD can be a complex programmable logic device (English: complex programmable logic device, CPLD for short), field-programmable gate array (English: field-programmable gate array, referred to as: FPGA), general array logic (English: general array Logic, abbreviated as: GAL) or any combination thereof.

The memory 340 may include a volatile memory (English: volatile memory), such as random-access memory (RAM: RAM); the memory may also include non-volatile memory (English: non-volatile memory) For example, a flash memory (English: flash memory), a hard disk (English: hard disk drive, HDD) or a solid state drive (English: solid-state drive, SSD); the memory 340 may also include the above types of memory. combination.

The memory 340 can also be used to store program instructions. When the processor 320 is a CPU, the processor 320 calls the program instructions stored in the memory 340. When the processor 320 is hardware such as an FPGA, an ASIC, etc., the processor 320 does not need to store the memory 340. Program instructions, the technician can directly write the program instructions into the hardware processor of the FPGA and ASIC, and the FPGA and ASIC can directly execute the program instructions.

In addition, the server provided by the foregoing embodiment is used to implement the payment method provided by the embodiment of the present application.

Specifically, the receiver 310 receives the payment information sent by the payment terminal according to the to-be-paid information, where the payment information includes information of the payment user and information to be paid, and the information to be paid includes information of the user to be paid; the processor 320 according to the The payment information is debited to the payment user's third party payment account or bank account to complete the payment. The information to be paid is information received by the payment terminal from the to-be-paid terminal by short-range wireless communication.

Further, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

Further, the payment information further includes a payment security credential of the payment user.

Further, the processor 320 sends a payment result to the payment terminal and the to-be-paid terminal.

Further, the processor 320 receives an order information request from the to-be-paid terminal, the order information request includes information of the to-be-paid user; the server requests to send at least one order to the to-be-paid terminal according to the order information request. Information, the order information includes an order number and/or an order amount.

The server provided by the embodiment of the present invention can obtain the payment information from the payment terminal when the distance between the payment terminal and the to-be-paid terminal meets the preset condition, so that the server performs the deduction process according to the payment information, thereby realizing that the user can The payment or payment is completed by controlling the distance between the terminals, which simplifies the operation of payment or payment, and improves the user experience.

The payment method provided by the embodiment of the present application can be applied to a situation in which a buyer user purchases a product in a supermarket, a shopping mall, or the like. When a payment is required, the buyer user and the seller user can complete the payment by controlling the distance between the two terminals. No credit card payment, cash payment, etc. are required. The payment method provided by the embodiment of the present application can also be applied to the scenario where the user A purchases the product, and the user B and the user B can replace the payment with the seller. . It should be understood that the above scenario is only for illustrating the scenario applicable to the payment method provided by the embodiment of the present application, and does not constitute a limitation on the applicable scenario.

The solution provided by the embodiment of the present application will be described below with reference to FIG. 4 . FIG. 4 is a flowchart of a payment method according to an embodiment of the present application. In the method, the executing entity is a payment terminal, and specifically includes the following steps:

Step 410: The payment terminal receives the first operation and enters a payment mode.

The payment mode may be a mode of searching or sensing a terminal to be paid, waiting to receive information to be paid. The user can enter the payment mode by using a button or by opening a client of the related application on the terminal. In one example, as shown in FIG. 5, the payment mode can be expressed as a terminal displaying a search or sensing interface. In one example, the payment terminal can prompt the user to enter the payment mode by voice. In one example, the payment model can be represented as a payment interface to wait for a search or sensing of the terminal to be paid and to receive payment after receiving the relevant information.

Step 420: The payment terminal receives information to be paid from the to-be-paid terminal by using short-range wireless communication, where the to-be-paid information includes information of a user to be paid;

Specifically, the payment terminal and the to-be-paid terminal can be close to each other, and when the distance between them meets the requirement of short-range wireless communication, the to-be-paid terminal can sense the payment terminal, for example, sensing the NFC sensing event through the NFC controller. The payment may be triggered, and the payment terminal may receive the information to be paid from the to-be-paid terminal through the NFC. The information to be paid carries the information of the user to be paid.

In one example, the information of the user to be paid may include an account of the user to be paid. The amount of payment by the payment user may be preset by the payment user and the user to be paid, and the preset may be stored in the server and associated with the information of the payment user and the information of the user to be paid. The amount paid by the payment user may also be set by the payment user at a subsequent step. Therefore, in a subsequent step, the server may perform debit processing according to a preset or a setting of the payment user to complete payment to the account of the user to be paid. In one example, the information to be paid may further include information such as the currency type.

In one example, the information of the user to be paid may include an identification of the user to be paid to facilitate payment of the user to identify the user to be paid.

In one example, the information of the user to be paid may also include an amount. In one example, the information to be paid may further include information such as the currency type.

In one example, the user to be paid may be a user who is required to pay the user for payment; the information of the user to be paid may also include order information of the user to be paid. The order information can include an order number and/or an order amount. In one example, the order information may further include information such as the currency type.

Step 430: The payment terminal sends payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

The payment terminal may generate payment information according to the information to be paid and the information of the payment user, and send the payment information to the server, so as to send the information of the payment user and the information of the user to be paid to the server, so that the server can The information of the user to be paid in the to-be-paid information processes the payment.

In one example, the payment user's information in the payment information may also include the payment user's identification and the payment user's payment security credentials. In one example, the payment security credential can be a payment token.

In one example, the payment user's information may further include a debit amount and/or currency type.

For the information to be paid in the payment information, refer to the above description, which is not described here.

In one example, after step 420, the method further includes the payment terminal receiving a payment result from the server to notify the payment user that the payment is complete or the payment has failed.

In one example, as shown in FIG. 6, before step 420, the method further includes: the payment terminal displaying a payment interface according to the to-be-paid information; the payment terminal receiving a second operation, according to the second The operation sends payment information to the server.

Specifically, after receiving the information to be paid, the payment terminal may display a payment interface to the payment user according to the information to be paid, and the content displayed on the payment interface may include information of the user to be paid, such as the identifier, amount, and order information of the user to be paid. One or more of them to make the user to be paid aware of the object to be paid or to be paid and the amount of payment.

In one example, as shown in FIG. 5, the payment interface can also include a payment confirmation interface. The second operation includes a payment confirmation operation. In order to facilitate the operation of the user, the payment interface includes a payment confirmation interface, so that after the user understands that the information is correct, the user can directly click the confirmation interface to confirm the payment.

In one example, the payment interface includes a payment confirmation button, and after the user understands the information error, the user can directly click the payment confirmation button to confirm the payment.

In one example, as shown in FIG. 6, the payment interface includes a payment editing interface, and the second operation includes a payment editing operation. In one example, the amount of information to be paid may not include an amount, and there is no amount pre-agreed by the paying user and the user to be paid. In one example, the amount in the information to be paid may be erroneous, or the payment user and the user to be paid are further arguing; in one example, the information to be paid may not include the currency type, or the currency type may be further discussed. The above examples are merely illustrative, and the application scenarios of the present example are not limited. The payment user can edit the amount, currency type and other information on the payment editing interface, thereby increasing the user's autonomy selectivity and further improving the user experience.

In an example, before the step 410, the method further includes: the payment terminal sending a to-be-paid request to the to-be-paid terminal to request the to-be-paid information, where the to-be-paid request includes the payment user information.

Specifically, in a process in which the payment terminal and the terminal to be paid are close to each other, when the distance between the payment terminal and the terminal to be paid satisfies a preset condition, the payment terminal may send a to-be-paid request to request the information to be paid. In one example, if the payment terminal does not receive the to-be-paid information within a specified time after the payment request is sent, the payment terminal may resend the to-be-paid request to the to-be-paid terminal. The number of retransmissions can be defaulted, for example 3 times. The payment user can set the number of configuration retransmissions.

In an example, after the payment terminal sends a to-be-paid request to the to-be-paid terminal, the method further includes: the payment terminal receiving a to-be-paid request response from the to-be-paid terminal, where the to-be-paid request response is And indicating that the to-be-paid terminal has received the to-be-paid request.

In an example, after the payment terminal receives the information to be paid from the to-be-paid terminal, the method further includes: the payment terminal transmitting a to-be-paid response to the to-be-paid terminal, where the to-be-paid response is used to indicate the Payment terminal The to-be-paid information has been received. specifically. After the to-be-paid terminal sends the to-be-paid information to the payment terminal, if the pending payment is not received within the specified time, the to-be-paid terminal resends the to-be-paid information. Therefore, after receiving the information to be paid, the payment terminal sends a pending payment response to the terminal to be paid to indicate that it has received the information to be paid, so that the terminal to be paid does not have to resend the information to be paid.

The payment method provided by the embodiment of the present invention can obtain the information to be paid when the distance between the payment terminal and the terminal to be paid satisfies the preset condition, and send the payment information to the sending server according to the information to be paid, so that the server The payment processing is performed according to the payment information, thereby realizing that the user can complete the payment or the payment by controlling the distance between the terminals, simplifying the operation of payment or payment, and improving the user experience.

Another payment method is also provided in the embodiment of the present application. In the method, the execution subject is a to-be-paid terminal, including: a to-be-paid terminal receiving operation, entering a to-be-paid mode; the to-be-paid terminal transmitting, to the payment terminal, to-be-paid information by short-range wireless communication, the to-be-paid The information includes information of the user to be paid, so that the payment terminal transmits payment information to the server according to the information to be paid, the payment information including information of the payment user and the information to be paid.

The to-be-paid mode may be a mode of searching or inducing a payment terminal, waiting to send payment information. The user can enter the to-pay mode by using a button or by opening a client of the related application on the terminal. In one example, as shown in FIG. 5, the to-be-paid mode may be represented by a terminal displaying a search or sensing interface. In one example, the payment terminal can promptly enter the pending payment mode by voice. In one example, the pay-to-pay model can be represented as a payment interface to wait for payment. In one example, the pay-to-pay model can be represented as an interface to be paid in order to wait for other users to pay for it.

In one example, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In one example, the to-be-paid terminal receives a payment result from the server. The payment result is used to notify the user to be paid that the user has paid for it, or has paid for it, or the payment of the user's payment has failed.

In an example, before the to-be-paid terminal sends the to-be-paid information to the payment terminal, the method further includes: the to-be-paid terminal receiving a to-be-paid request from the payment terminal to request the to-be-paid information, The to-be-paid request includes information of the payment user.

In an example, before the to-be-paid terminal sends the information to be paid to the payment terminal, the method further includes: the to-be-paid terminal sends an order information request to the server, where the order information request includes the to-be-paid Paying the user's information; the to-be-paid terminal receives at least one order information from the server, the order information including an order number and/or an order amount.

In an example, after the to-be-paid terminal sends the to-be-paid information to the payment terminal, the method further includes: the to-be-paid terminal receives a to-be-paid response from the payment terminal, and the to-be-paid response is used to indicate The payment terminal has received the to-be-paid information.

The payment method provided by the embodiment of the present invention can send the to-be-paid information to the to-be-paid terminal when the distance between the to-be-paid terminal and the payment terminal meets the preset condition, so that the payment terminal sends the information to the sending server according to the to-be-paid information. The information is paid, and the server performs deduction processing according to the payment information, thereby realizing that the user can complete the payment or the payment by controlling the distance between the terminals, simplifying the operation of payment or payment, and improving the user experience.

The solution provided by the embodiment of the present application is described below with reference to FIG. FIG. 7 is a flowchart of still another payment method according to an embodiment of the present application. In the method, the execution entity is a server, and specifically includes the following steps:

Step 710: The server receives payment information that is sent by the payment terminal according to the to-be-paid information, where the payment information includes information of a payment user and information to be paid, and the information to be paid includes information of a user to be paid; The to-be-paid information is information received by the payment terminal from the to-be-paid terminal by short-range wireless communication.

Step 720: The server debits a third-party payment account or a bank account of the payment user according to the payment information to complete the payment.

In one example, the to-be-paid information further includes a payment amount or order information; wherein the order information includes an order number and/or an order amount.

In one example, the payment information further includes a payment security credential of the payment user.

In one example, after the server performs payment processing according to the payment information, the method further includes: the server transmitting a payment result to the payment terminal and the to-be-paid terminal.

In one example, before the server receives the payment information sent by the payment terminal according to the information to be paid, the method further includes: the server receiving a request for payment information from the to-be-paid terminal; The to-be-paid information request sends at least one of the to-be-paid information to the to-be-paid terminal.

In another payment method provided by the embodiment of the present application, when the distance between the payment terminal and the terminal to be paid satisfies a preset condition, the server may obtain payment information from the payment terminal, so that the server performs deduction processing according to the payment information. Thereby, the user can complete the payment or the payment by controlling the distance between the terminals, simplifying the operation of payment or payment, and improving the user experience.

With reference to FIG. 8, in an example, the payment method provided by the embodiment of the present application is illustrated. In this example, there may be a payment user, the terminal used by the payment user is a payment terminal, and the user to be paid may also be used, and the terminal used by the user to be paid is the terminal to be paid. The payment user may specifically be a payment user, such as a buyer of the product, and the user to be paid may be a specific payment user, for example, a seller who provides the product. As shown in Figure 7, the method includes the following steps:

Step 801a, entering the payment interface.

The payment terminal can enter the payment interface by setting the payment user. The payment interface may be for detecting the terminal to be paid to find the interface of the payment object.

Step 801b, entering the collection interface. The to-be-paid terminal can enter the collection interface through the setting of the user to be paid. The payment interface can be used to detect the payment terminal to find the payment object interface.

Step 802: The payment terminal detects that the to-be-paid terminal and/or the to-be-paid terminal detects the payment terminal.

More specifically, the payment terminal is close to the to-be-paid terminal, or the to-be-paid terminal is close to the payment terminal, or both are approaching each other to reach a preset distance. The preset distance may be such that the payment terminal can be sensed by the NFC controller within a range of less than or equal to the preset distance, and the to-be-paid terminal can also be used. The payment terminal is sensed by NFC control.

Step 803: The payment terminal sends a to-be-paid request to the to-be-paid terminal by short-range wireless communication.

The payment terminal sends a to-be-paid request to the to-be-paid terminal to request information to be paid. The pending payment request includes the identity of the payment user. If the to-be-paid terminal does not send the to-be-paid information to the payment terminal within a specified time, the payment terminal may resend the to-be-paid request. The number of retransmissions can be defaulted to 3 times.

Step 804: The to-be-paid terminal sends the to-be-paid information to the payment terminal.

The information to be paid includes information of the user to be paid, and the information of the user to be paid may include information such as an account number and a payment amount of the user to be paid.

Step 805: The payment terminal displays a payment interface.

After receiving the information to be paid, the payment terminal may pull up a payment interface, where the payment interface includes a payment confirmation interface or a payment confirmation button, wherein the information of the user to be paid, the payment amount, and the like may be displayed.

Step 806: The payment terminal receives the confirmation payment input by the user.

The payment user can operate on the payment interface to confirm the payment.

Step 807: The payment terminal sends payment information to the server.

The payment information may include an identification of the payment user, an identification of the payment user, a payment security credential of the payment user (eg, a payment token), an identification of the user to be paid, an amount, a currency type, and the like.

Step 808: The server performs payment processing.

The server performs an authentication and payment operation according to the payment information, and debits from a third-party payment account or a bank account of the payment user.

Step 809a: The server sends the payment result to the payment terminal. In step 809b, the server sends the payment result to the payment terminal.

The payment method provided by the embodiment of the present invention can obtain the information to be paid when the distance between the payment terminal and the terminal to be paid satisfies the preset condition, and send the payment information to the sending server according to the information to be paid, so that the server The payment processing is performed according to the payment information, thereby realizing that the user can complete the payment by controlling the distance between the terminals, simplifying the payment operation and improving the user experience.

Referring to FIG. 9, in another example, the payment method provided by the embodiment of the present application is illustrated. In this example, there may be a payment user, the terminal used is a payment terminal, and the user may be paid, and the terminal used is a terminal to be paid. The payment user may specifically be a user who pays the user to be paid in place of the user to be paid. The user to be paid may specifically be a user who pays the payment to the other user on his behalf. As shown in Figure 9, the method includes the following steps:

Step 901: The to-be-paid terminal sends a request for payment information to the server. Through the operation of the user to be paid, the to-be-paid terminal may send a request for payment information to the server, where the identifier of the user to be paid is carried, for requesting the order information to wait for payment information.

Step 902: The server sends the to-be-paid information to the to-be-paid terminal. The server may send the related to-be-paid information of the to-be-paid user to the user to be paid according to the identifier of the user to be paid in the information request to be paid. The information to be paid may include one or more order information, and may specifically be information such as an order number, an order amount, and a currency type.

903a. The payment terminal enters a payment interface. Step 903b: The to-be-paid terminal enters a to-be-paid interface. Through the user's setting, the to-be-paid terminal can enter the to-be-paid interface. The payment interface may be a detection payment terminal to find an interface for payment on its behalf.

Step 904: The to-be-paid terminal detects that the payment terminal and/or the to-be-paid terminal is detected by the payment terminal.

More specifically, the payment terminal to be paid is close to the payment terminal, or the terminal to be paid is close to the payment terminal, or both are close to each other to reach a preset distance. The preset distance may be a requirement for the short-range wireless communication, and the payment terminal may sense the payment terminal to be used by the NFC controller within a range of less than or equal to the preset distance, and the to-be-paid terminal may also The payment terminal is sensed by NFC control.

Step 905: The to-be-paid terminal sends the to-be-paid information to the payment terminal by using a communication method of short-range wireless communication. The to-be-paid information includes one or more order information, and also includes an identifier of the user to be paid. After the pending terminal sends the to-be-paid information, if the response to be paid returned by the payment terminal is not received within the specified time, the to-be-paid information may be re-sent. The number of retransmissions can be the default or can be set by the user, such as default 3 times or set to 3 times.

Step 906: The payment terminal displays a payment interface. After receiving the to-be-paid information, the payment terminal may pull up a payment interface, where the payment interface includes a payment confirmation interface and a payment confirmation button, wherein the information of the payment user, the payment amount, and the like may be displayed. .

Step 907: The payment terminal receives the confirmation payment input by the user. The payment user can operate on the payment interface to confirm the payment.

Step 908: The payment terminal sends the consent payment information to the to-be-paid terminal to notify the payment user to agree to pay on behalf of the user to be paid.

Step 909: The payment terminal sends payment information to the server. The payment information may include an identification of the payment user, an identification of the payment user, a payment security credential of the payment user (eg, a payment token), an identification of the user to be paid, an amount, a currency type, and the like.

Step 910: The server performs payment processing. The server performs an authentication and payment operation according to the payment information, and debits a payment from a third party payment account or a bank account of the payment user.

Step 911a: The server sends the payment result to the payment terminal. In step 911b, the server sends the payment result to the payment terminal.

The payment method provided by the embodiment of the present invention can obtain the information to be paid when the distance between the payment terminal and the terminal to be paid satisfies the preset condition, and send the payment information to the sending server according to the information to be paid, so that the server The payment processing is performed according to the payment information, thereby realizing that the user can complete the payment by controlling the distance between the terminals, simplifying the operation of the payment and improving the user experience.

The embodiment of the present application provides a payment device, which may include a processing unit and a communication unit. The processing unit is configured to receive the first operation and enter a payment mode. The communication unit is configured to receive information to be paid from the to-be-paid terminal by short-range wireless communication, where the to-be-paid information includes information of a user to be paid. The communication unit is further configured to send payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid.

Additionally, the payment device may further include a display unit. For the function of the display unit, and the functions of the processing unit and the communication unit, reference may be made to the introduction of the method part above, which will not be described here.

The technical effect of the payment device can be referred to the introduction of the method part above, and the steps are described here.

The embodiment of the present application provides a to-be-paid device, which may include a processing unit and a communication unit. The processing unit is configured to receive an operation and enter a mode to be paid. The communication unit is configured to send, to the payment terminal, the information to be paid by short-range wireless communication, where the information to be paid includes information of the user to be paid, so that the payment terminal sends the payment information to the server according to the information to be paid, The payment information includes information of the payment user and the information to be paid.

For optional functions of the processing unit and the communication unit, reference may be made to the description of the method part above, which will not be described here.

For the technical effect of the device to be paid, reference may be made to the introduction of the method part in the above, and the steps are described here.

The embodiment of the present application provides a server, which may include a communication unit and a processing unit. The communication unit is configured to receive payment information that is sent by the payment terminal according to the information to be paid, where the payment information includes information of the payment user and information to be paid, and the information to be paid includes information of the user to be paid; wherein the to-be-paid The information is information received by the payment terminal from the to-be-paid terminal by short-range wireless communication. Processing unit for payment according to said The information is debited to the payment user's third party payment account or bank account to complete the payment.

The optional description of the communication unit and the processing unit can be referred to the above description of the method part, and details are not described herein.

The technical effect of the server can be referred to the introduction of the method part above, and the steps are described here.

The embodiment of the present application provides a payment system, which may include the above payment device, a device to be paid, and a server. With the payment system, the user can complete the payment by controlling the distance between the payment device and the device to be paid, thereby improving the payment efficiency, reducing the operation of the user, and improving the user experience.

The embodiment of the present application provides a payment terminal, which may include a communication interface and a processor, and may be used to perform a payment method in which the payment terminal is an execution subject. For details, refer to the introduction of the method section above.

The embodiment of the present application provides a to-be-paid terminal, which may include a communication interface and a processor, and may be used to perform a payment method in which the terminal to be paid is the execution subject, and the specific content may refer to the method section above. Introduction.

The embodiment of the present application provides a server, which may include a communication interface and a processor, and may be used to perform a payment method in which the server is used as an execution subject. For details, refer to the introduction of the method section above.

The embodiment of the present application provides a payment system, which may include a payment terminal, a terminal to be paid, and a server provided by the embodiments of the present application. With the payment system, the user can complete the payment by controlling the distance between the payment device and the device to be paid, thereby improving the payment efficiency, reducing the operation of the user, and improving the user experience.

The embodiment of the present application provides a computer readable storage medium having a computer program stored thereon, the computer program being executed by a processor as the payment method of the payment terminal as an execution subject.

The embodiment of the present application provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and the computer program is executed by the processor as the payment method of the subject to be paid by the processor.

The embodiment of the present application provides a computer readable storage medium on which a computer program is stored, the computer program being executed by a processor as a payment method in which a server is an execution subject.

It can be understood that the processor in the embodiment of the present application may be a central processing unit (CPU), and may be other general-purpose processors, digital signal processors (DSPs), and application specific integrated circuits. (Application Specific Integrated Circuit, ASIC), Field Programmable Gate Array (FPGA) or other programmable logic device, transistor logic device, hardware component, or any combination thereof. A general purpose processor can be a microprocessor or any conventional processor.

The method steps in the embodiments of the present application may be implemented by means of hardware, or may be implemented by a processor executing software instructions. The software instructions can be composed of corresponding software modules, which can be stored in random access memory (RAM), flash memory, read-only memory (ROM), programmable read-only memory (Programmable ROM). , PROM), Erasable PROM (EPROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Register, Hard Disk, Mobile Hard Disk, CD-ROM, or well known in the art Any other form of storage medium. An exemplary storage medium is coupled to the processor to enable the processor to read information from, and write information to, the storage medium. Of course, the storage medium can also be an integral part of the processor. The processor and the storage medium can be located in an ASIC. Additionally, the ASIC can be located in a payment terminal, a terminal to be paid, and a server. Of course, the processor and storage medium can also As a discrete component, it exists in a payment terminal, a terminal to be paid, and a server.

In the above embodiments, it may be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented in software, it may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the processes or functions described in accordance with embodiments of the present application are generated in whole or in part. The computer can be a general purpose computer, a special purpose computer, a computer network, or other programmable device. The computer instructions can be stored in or transmitted by a computer readable storage medium. The computer instructions can be from a website site, computer, server or data center to another website site by wire (eg, coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (eg, infrared, wireless, microwave, etc.) Transfer from a computer, server, or data center. The computer readable storage medium can be any available media that can be accessed by a computer or a data storage device such as a server, data center, or the like that includes one or more available media. The usable medium may be a magnetic medium (eg, a floppy disk, a hard disk, a magnetic tape), an optical medium (eg, a DVD), or a semiconductor medium (such as a Solid State Disk (SSD)) or the like.

It is to be understood that the various numbers in the embodiments of the present application are not to be construed as limiting the scope of the embodiments.

It should be understood that, in the embodiments of the present application, the size of the sequence numbers of the foregoing processes does not mean the order of execution sequence, and the execution order of each process should be determined by its function and internal logic, and should not be implemented in the application. The implementation of the examples constitutes any limitation.

The above descriptions are only specific embodiments of the embodiments of the present application, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present disclosure should be covered in the implementation of the present application. The scope of protection of the example.

Claims (29)

A payment method, characterized in that the method comprises: The payment terminal receives the first operation and enters a payment mode; Receiving, by the payment terminal, information to be paid from the to-be-paid terminal by short-range wireless communication, where the information to be paid includes information of a user to be paid; The payment terminal sends payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid. The method according to claim 1, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. The method of claim 1 or 2, wherein the payment information further comprises a payment security credential of the payment user. The method according to any one of claims 1-3, wherein before the payment terminal sends the payment information to the server according to the to-be-paid information, the method further includes: The payment terminal displays a payment interface according to the to-be-paid information; The payment terminal receives a second operation, and sends payment information to the server according to the second operation. The method of claim 4 wherein the payment interface comprises a payment confirmation interface or a payment confirmation button, the second operation comprising a payment confirmation operation. The method of claim 4 wherein the payment interface comprises a payment editing interface and the second operation comprises a payment editing operation. A payment method, characterized in that the method comprises: The terminal to be paid receives the operation and enters a to-be-paid mode; The to-be-paid terminal sends the information to be paid to the payment terminal by the short-range wireless communication, where the information to be paid includes the information of the user to be paid, so that the payment terminal sends the payment information to the server according to the to-be-paid information. The payment information includes information of a payment user and the information to be paid. The method according to claim 7, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. The method according to claim 8, wherein the method further comprises: before the to-be-paid terminal sends the information to be paid to the payment terminal by short-range wireless communication, the method further comprises: The to-be-paid terminal sends an order information request to the server, where the order information request includes information of the user to be paid; The to-be-paid terminal receives at least one order information from the server, and the order information includes an order number and/or an order amount. A payment method, characterized in that the method comprises: The server receives the payment information sent by the payment terminal according to the to-be-paid information, where the payment information includes information of the payment user and information to be paid, and the information to be paid includes information of the user to be paid; The information to be paid is received by the payment terminal from the to-be-paid terminal by short-range wireless communication. information; The server debits the third-party payment account or the bank account of the payment user according to the payment information to complete the payment. The method according to claim 10, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. The method of claim 10 or 11, wherein the payment information further comprises a payment security credential of the payment user. A payment device, characterized in that the payment device comprises: a processing unit, configured to receive the first operation and enter a payment mode; a communication unit, configured to receive, by the short-range wireless communication, information to be paid from the to-be-paid terminal, where the to-be-paid information includes information of a user to be paid; The communication unit is further configured to send payment information to the server according to the to-be-paid information, where the payment information includes information of the payment user and the information to be paid. The payment device according to claim 13, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. A payment device according to claim 13 or 14, wherein said payment information further comprises payment security credentials of said payment user. The payment device according to any one of claims 13 to 15, wherein the payment device further comprises: a display unit, configured to display a payment interface according to the information to be paid; The communication unit is further configured to receive a second operation, and send payment information to the server according to the second operation. The payment device of claim 16, wherein the payment interface comprises a payment confirmation interface or a payment confirmation button, and the second operation comprises a payment confirmation operation. The payment device of claim 16, wherein the payment interface comprises a payment editing interface, and the second operation comprises a payment editing operation. A device to be paid, characterized in that the device to be paid comprises: a processing unit, configured to receive an operation and enter a to-be-paid mode; a communication unit, configured to send, to the payment terminal, information to be paid by short-range wireless communication, where the information to be paid includes information of a user to be paid, so that the payment terminal sends payment information to the server according to the information to be paid, The payment information includes information of a payment user and the information to be paid. The device to be paid according to claim 19, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. The device to be paid according to claim 19 or 20, wherein the communication unit is further configured to send an order information request to the server, where the order information request includes information of the user to be paid; The to-be-paid terminal receives at least one order information from the server, and the order information includes an order number and/or an order amount. A server, wherein the server comprises: a communication unit, configured to receive payment information that is sent by the payment terminal according to the information to be paid, where the payment information includes information of the payment user and information to be paid, and the information to be paid includes information of the user to be paid; The information to be paid is information received by the payment terminal from the to-be-paid terminal by short-range wireless communication; The processing unit is configured to debit the third-party payment account or the bank account of the payment user according to the payment information to complete the payment. The server according to claim 22, wherein the information to be paid further includes a payment amount or order information; The order information includes an order number and/or an order amount. A server according to claim 22 or 23, wherein said payment information further comprises payment security credentials of said payment user. A payment system, comprising: the payment device according to any one of claims 13 to 18, the device to be paid according to any one of claims 19 to 21, and any of claims 22-24 The server described in the item. A payment terminal, characterized in that the payment terminal comprises a communication interface and a processor for performing the method of any of claims 1-6. A to-be-paid terminal, characterized in that the to-be-paid terminal comprises a communication interface and a processor for performing the method of any one of claims 7-9. A server, characterized in that the server comprises a communication interface and a processor for performing the method of any of claims 10-12. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program, the computer program being executed by a processor according to any one of claims 1-12.

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