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WO2018166097A1 - Procédé de paiement, terminal et serveur - Google Patents

Procédé de paiement, terminal et serveur Download PDF

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Publication number
WO2018166097A1
WO2018166097A1 PCT/CN2017/089629 CN2017089629W WO2018166097A1 WO 2018166097 A1 WO2018166097 A1 WO 2018166097A1 CN 2017089629 W CN2017089629 W CN 2017089629W WO 2018166097 A1 WO2018166097 A1 WO 2018166097A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
paid
terminal
user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/089629
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English (en)
Chinese (zh)
Inventor
段治勇
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Huawei Technologies Co Ltd
Original Assignee
Huawei Technologies Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Huawei Technologies Co Ltd filed Critical Huawei Technologies Co Ltd
Priority to CN201780009534.2A priority Critical patent/CN109074570A/zh
Publication of WO2018166097A1 publication Critical patent/WO2018166097A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof

Definitions

  • the present application relates to the field of communications technologies, and in particular, to a payment method, a terminal, and a server.
  • NFC Near Field Communication
  • One solution is to insert a bank card in a smart watch.
  • the built-in bank card is connected with a point of sales terminal (POS) and paid.
  • POS point of sales terminal
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • the method 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.
  • the payment interface includes a payment confirmation interface or a payment confirmation button
  • the second operation includes a payment confirmation operation
  • the payment interface includes a payment editing interface
  • the second operation includes a payment editing operation
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • 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.
  • the payment interface includes a payment confirmation interface or a payment confirmation button
  • the second operation includes a payment confirmation operation
  • the payment interface includes a payment editing interface
  • the second operation instruction includes a payment editing operation
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 1 is a schematic diagram of an application architecture of a payment method according to an embodiment of the present disclosure
  • FIG. 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.
  • 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.
  • 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.
  • 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.
  • the payment user may refer to a user who pays money or payment
  • 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
  • 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.
  • RF radio frequency
  • 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.
  • 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • a radio frequency (RF) module 216 can be implemented on a separate chip.
  • 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).
  • NFC Non-Fi
  • WI-FI wireless fidelity
  • WI-FI wireless fidelity
  • WI-FI wireless fidelity
  • WI-FI wireless fidelity
  • 3G third-generation mobile communication technology
  • 4G fourth-generation mobile communication technology
  • Zigbee protocol Zigbee protocol
  • Memory 215 is coupled to processor 211 for storing various software programs and/or sets of instructions.
  • 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.
  • a payment application such as a Huawei wallet
  • a social application such as Facebook
  • an image management application such as an album
  • a map application such as Google Maps.
  • Browsers such as Safari, Google Chrome
  • 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.
  • the payment terminal 200 provided by the foregoing embodiment is used to implement the payment method provided by the embodiment of the present application.
  • 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.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • the radio frequency module 216 can receive payment results from the server.
  • 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.
  • 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.
  • the payment interface includes a payment editing interface
  • the second operation includes a payment editing operation
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the radio frequency module of the to-be-paid terminal receives the payment result from the server.
  • 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.
  • 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.
  • 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.
  • CPU central processing unit
  • NP network processor
  • 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.
  • ASIC application-specific integrated circuit
  • PLD programmable logic device
  • 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.
  • volatile memory such as random-access memory (RAM: RAM
  • non-volatile memory English: non-volatile memory
  • flash memory English: flash memory
  • HDD hard disk drive
  • SSD solid state drive
  • the memory 340 can also be used to store program instructions.
  • the processor 320 calls the program instructions stored in the memory 340.
  • 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.
  • server provided by the foregoing embodiment is used to implement the payment method provided by the embodiment of the present application.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • the processor 320 sends a payment result to the payment terminal and the to-be-paid terminal.
  • 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.
  • FIG. 4 is a flowchart of a payment method according to an embodiment of the present application.
  • 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.
  • the payment mode can be expressed as a terminal displaying a search or sensing interface.
  • the payment terminal can prompt the user to enter the payment mode by voice.
  • 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;
  • 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.
  • 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.
  • the information to be paid may further include information such as the currency type.
  • 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.
  • the information of the user to be paid may also include an amount.
  • the information to be paid may further include information such as the currency type.
  • 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.
  • 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.
  • 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.
  • the payment security credential can be a payment token.
  • the payment user's information may further include a debit amount and/or currency type.
  • 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.
  • 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.
  • 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.
  • the payment interface can also include a payment confirmation interface.
  • the second operation includes a payment confirmation operation.
  • 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.
  • 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.
  • the payment interface includes a payment editing interface
  • the second operation includes a payment editing operation.
  • 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.
  • 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.
  • 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.
  • the payment terminal may send a to-be-paid request to request the information to be paid.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the to-be-paid mode may be represented by a terminal displaying a search or sensing interface.
  • the payment terminal can promptly enter the pending payment mode by voice.
  • the pay-to-pay model can be represented as a payment interface to wait for payment.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 7 is a flowchart of still another payment method according to an embodiment of the present application.
  • 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.
  • 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.
  • the payment information further includes a payment security credential of the payment user.
  • the method further includes: the server transmitting a payment result to the payment terminal and the to-be-paid terminal.
  • the method 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.
  • the server may obtain payment information from the payment terminal, so that the server performs deduction processing according to the payment information.
  • 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 payment method provided by the embodiment of the present application is illustrated.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment method provided by the embodiment of the present application is illustrated.
  • 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.
  • the method includes the following steps:
  • Step 901 The to-be-paid terminal sends a request for payment information to the server.
  • 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.
  • Step 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.
  • 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.
  • 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.
  • 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.
  • the payment device may further include a display unit.
  • 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 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.
  • 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 embodiment of the present application provides a payment system, which may include the above payment device, a device to be paid, and a server.
  • a payment system which may include the above payment device, a device to be paid, and a server.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • processors 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.
  • 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.
  • the computer program product includes one or more computer instructions.
  • 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.

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Les modes de réalisation de la présente invention concernent un procédé de paiement. Le procédé comprend : un terminal de paiement qui reçoit une première opération en vue d'entrer dans un mode de paiement ; le terminal de paiement reçoit des informations de paiement à réaliser en provenance d'un terminal de paiement à réaliser au moyen d'une communication sans fil en champ proche, les informations de paiement à réaliser comprenant des informations concernant un utilisateur de paiement à réaliser ; et le terminal de paiement envoie des informations de paiement à un serveur selon les informations de paiement à réaliser, les informations de paiement comprenant des informations concernant un utilisateur payant et les informations de paiement à réaliser.
PCT/CN2017/089629 2017-03-15 2017-06-22 Procédé de paiement, terminal et serveur Ceased WO2018166097A1 (fr)

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