CN112036896A - Payment chip-based internet of things payment method and system - Google Patents
Payment chip-based internet of things payment method and system Download PDFInfo
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- CN112036896A CN112036896A CN202010928670.5A CN202010928670A CN112036896A CN 112036896 A CN112036896 A CN 112036896A CN 202010928670 A CN202010928670 A CN 202010928670A CN 112036896 A CN112036896 A CN 112036896A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16Y—INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR THE INTERNET OF THINGS [IoT]
- G16Y10/00—Economic sectors
- G16Y10/45—Commerce
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16Y—INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR THE INTERNET OF THINGS [IoT]
- G16Y20/00—Information sensed or collected by the things
- G16Y20/20—Information sensed or collected by the things relating to the thing itself
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16Y—INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR THE INTERNET OF THINGS [IoT]
- G16Y40/00—IoT characterised by the purpose of the information processing
- G16Y40/10—Detection; Monitoring
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16Y—INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR THE INTERNET OF THINGS [IoT]
- G16Y40/00—IoT characterised by the purpose of the information processing
- G16Y40/50—Safety; Security of things, users, data or systems
Abstract
The invention discloses a payment chip-based internet of things payment method and system, and the working process comprises the following steps: the user side acquires payment information and sends the payment information to the system side; the system end detects the chip end and sends information to be verified of payment to the user end; the user side sends payment verification information to the system side; the system side verifies the payment verification information, and if the verification is passed, the system side sends transfer information to the bank side; and the bank terminal transfers accounts based on the account transfer information and feeds back successful payment information to the system terminal after the account transfer is finished. Compared with the prior art, in the invention, when a merchant provides payment information to a user through the chip end and the user pays, the system can detect the chip end of the merchant, and after confirming that the chip end really sends the payment information corresponding to the payment, the subsequent payment process is carried out, so that the consumer can complete the payment according to the real payment information of the merchant, and the whole consumption process is safe and ordered.
Description
Technical Field
The invention belongs to the field of payment of the Internet of things, and particularly relates to a payment chip-based payment method and system of the Internet of things.
Background
The online payment is a mode of payment through a bank direct connection API payment interface, funds can be directly transferred to a merchant account from a bank card of a user in the mode, the remittance is immediately received, and manual confirmation is not needed.
In the prior art, online payment and the internet of things technology are combined, so that the equipment of a consumer and a merchant can be directly interacted, the whole payment process is completed, the consumer can complete payment without cash in various scenes, and the consumption process of the consumer is more convenient. In addition, whether payment is paid or not can be automatically confirmed through the system without manual confirmation, so that the equipment can automatically complete subsequent operation in places such as ticket selling departments and vending machines through the arrangement of the equipment and software, the intervention of workers is not needed, and the labor cost of merchants in the operation process can be effectively reduced. However, with the widespread application of the internet of things and online payment, the internet of things payment also exposes potential safety hazards in the payment process. Because the consumer only needs to acquire the payment information (such as a payment code) given by the merchant to complete subsequent payment, the situation that lawless persons pretend to provide false payment information for the merchant and cheat the money of the consumer appears, the property rights and interests of the consumer are infringed, the normal operation of the pretended merchant is interfered, and the reputation of the pretended merchant is damaged.
Therefore, how to ensure that the consumer can complete payment according to the real payment information of the merchant makes the whole consumption process safe and orderly, which becomes a problem that the technical personnel in the field need to solve urgently.
Disclosure of Invention
Aiming at the defects in the prior art, the problems to be solved by the invention are as follows: how to ensure that the consumer can complete payment according to the real payment information of the merchant, so that the whole consumption process is safe and ordered.
In order to solve the technical problems, the invention adopts the following technical scheme:
a payment chip-based payment method of the Internet of things comprises the following steps:
s1, generating payment information by the chip end;
s2, the user side acquires payment information and sends the payment information to the system side;
s3, the system end detects the chip end, if the detection result meets the preset condition, the system end sends the information to be verified of payment to the user end, and executes the step S4; if the detection result does not meet the preset condition, the payment is terminated;
s4, the user side sends payment verification information to the system side;
s5, the system side verifies the payment verification information, if the verification is passed, the step S6 is executed; if the verification fails, terminating the payment;
s6, the system end sends transfer information to the bank end;
and S7, the bank side transfers money based on the transfer information, and feeds back successful payment information to the system side after the transfer is completed.
Preferably, the payment chip-based internet of things payment method further includes:
s8, the system side generates control information based on the payment success information and sends the control information to the execution side;
s9, the execution end carries out consumption action based on the control information;
and S10, when the consumption action is completed, the execution end feeds back the consumption success information to the system end.
Preferably, the payment chip-based internet of things payment method further includes:
s11, when the consumption action is failed, the execution end feeds back control failure information to the system end;
and S12, the system end generates consumption failure information and refund information based on the control failure information, sends the consumption failure information to the user end and sends the refund information to the bank end.
Preferably, before step S1, the payment chip-based internet of things payment method further includes:
opening a hot spot at the chip end;
the operation end logs in the hot spot and inputs a set IP to the chip end, so that the chip end enters a set mode;
the operation end sends chip configuration information to the chip end to complete the configuration of the chip end;
the chip end searches and connects the available wireless network and establishes communication connection with the system end.
Preferably, the payment chip-based internet of things payment method further includes:
s13, the management end sends out management information to the system end, the management information includes any one or more of inquiry information, adding information, modifying information and deleting information;
and S14, the system end realizes the management function based on the management information.
The utility model provides a thing networking payment system based on payment chip, includes chip end, user side, system end and bank end, wherein:
the chip end is used for generating payment information;
the user side is used for acquiring payment information and sending the payment information to the system side;
the system end is used for detecting the chip end and sending information to be verified of payment to the user end when a detection result meets a preset condition;
the user side is also used for sending payment verification information to the system side;
the system end is also used for verifying payment verification information and sending transfer information to the bank end when the verification is passed;
and the bank end is used for transferring accounts based on the account transfer information and feeding back payment success information to the system end after the account transfer is completed.
Preferably, the payment chip-based internet of things payment system further comprises an execution end, wherein:
the system end is also used for generating control information based on the payment success information and sending the control information to the execution end;
the execution end is used for performing consumption action based on the control information;
when the consuming action is completed, the executing end is also used for feeding back the consuming success information to the system end.
Preferably, when the completion of the consuming action fails, the execution end is further configured to feed back control failure information to the system end;
the system end is also used for generating consumption failure information and refund information based on the control failure information, sending the consumption failure information to the user end and sending the refund information to the bank end.
Preferably, the payment chip-based internet of things payment system further comprises an operation terminal, wherein:
the chip end is also used for opening a hot spot;
the operation end is used for logging in the hot spot and inputting a set IP to the chip end, so that the chip end enters a set mode;
the operation end is also used for sending chip configuration information to the chip end to complete the configuration of the chip end;
the chip end is also used for searching and connecting available wireless networks and establishing communication connection with the system end.
Preferably, the payment chip-based internet of things payment system further comprises a management terminal, wherein:
the management end is used for sending management information to the system end, and the management information comprises any one or more of inquiry information, addition information, modification information and deletion information;
the system end is also used for realizing management functions based on the management information.
In summary, the invention discloses a payment chip-based internet of things payment method and system, and the working process comprises the following steps: s1, generating payment information by the chip end; s2, the user side acquires payment information and sends the payment information to the system side; s3, the system end detects the chip end, if the detection result meets the preset condition, the system end sends the information to be verified of payment to the user end, and executes the step S4; if the detection result does not meet the preset condition, the payment is terminated; s4, the user side sends payment verification information to the system side; s5, the system side verifies the payment verification information, if the verification is passed, the step S6 is executed; if the verification fails, terminating the payment; s6, the system end sends transfer information to the bank end; and S7, the bank side transfers money based on the transfer information, and feeds back successful payment information to the system side after the transfer is completed. Compared with the prior art, in the invention, when a merchant provides payment information to a user through the chip end and the user pays, the system can detect the chip end of the merchant, and after confirming that the chip end really sends the payment information corresponding to the payment, the subsequent payment process is carried out, so that the consumer can complete the payment according to the real payment information of the merchant, and the whole consumption process is safe and ordered.
Drawings
Fig. 1 is a flowchart of an embodiment of a payment chip-based internet of things payment method disclosed in the present invention;
fig. 2 is a flowchart of configuring a chip end in an internet of things payment method based on a payment chip disclosed by the invention;
fig. 3 is a flowchart of a system management part in another embodiment of the payment chip-based internet of things payment method disclosed in the present invention;
fig. 4 is a schematic structural diagram of an internet of things payment system based on a payment chip disclosed by the invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
As shown in fig. 1, the invention discloses a payment chip-based internet of things payment method, which comprises the following steps:
s1, generating payment information by the chip end;
s2, the user side acquires payment information and sends the payment information to the system side;
s3, the system end detects the chip end, if the detection result meets the preset condition, the system end sends the information to be verified of payment to the user end, and executes the step S4; if the detection result does not meet the preset condition, the payment is terminated;
s4, the user side sends payment verification information to the system side;
s5, the system side verifies the payment verification information, if the verification is passed, the step S6 is executed; if the verification fails, terminating the payment;
s6, the system end sends transfer information to the bank end;
and S7, the bank side transfers money based on the transfer information, and feeds back successful payment information to the system side after the transfer is completed.
In the invention, the user side comprises equipment with communication function, such as a computer and a mobile phone used by a user; the chip end comprises various devices which can generate two-dimensional codes containing payment information or devices which can directly communicate with the user end; the system end can be an Internet of things platform or a server of an operator; the bank end is a server of the bank.
In the invention, the chip end can generate the two-dimensional code containing the payment information, and the user end acquires the payment information through code scanning identification and sends the payment information to the system end. The system end detects the chip end, and the specific detection mode can be that whether the chip end is on-line or not is detected, or whether the chip end sends corresponding payment information or not, if the chip end is on-line or the chip end sends the corresponding payment information, the preset condition can be judged to be met, payment verification information is sent to the user end, and the user end enters a payment interface; otherwise, payment is terminated. Therefore, the situation that lawbreakers can utilize the payment information of the lawbreakers to pretend to be the payment information of the merchants through various technical means can be avoided. After entering the payment interface, the user inputs payment verification information (e.g., a payment password) to complete subsequent payment.
Compared with the prior art, in the invention, when a merchant provides payment information to a user through the chip end and the user pays, the system can detect the chip end of the merchant, and after confirming that the chip end really sends the payment information corresponding to the payment, the subsequent payment process is carried out, so that the consumer can complete the payment according to the real payment information of the merchant, and the whole consumption process is safe and ordered.
As shown in fig. 1, on the basis of the foregoing embodiment, as an optimized scheme, the payment chip-based internet of things payment method further includes:
s8, the system side generates control information based on the payment success information and sends the control information to the execution side;
s9, the execution end carries out consumption action based on the control information;
and S10, when the consumption action is completed, the execution end feeds back the consumption success information to the system end.
Except for a simple payment operation. The method can also be applied to the fields of vending machines, shared water dispensers, shared charge pal, shared bicycles, self-service fast channels and the like. After payment is completed, the execution end (the vending machine, the shared water dispenser, the shared charger, the shared bicycle and the control unit of the self-service quick channel) performs corresponding operation according to the control information sent by the system end, and the whole consumption process is realized. By the invention, the whole consumption process can be completed without the operation of workers, so that the labor cost of merchants is reduced.
As shown in fig. 1, on the basis of the foregoing embodiment, as an optimized solution, the payment chip-based internet of things payment method further includes:
s11, when the consumption action is failed, the execution end feeds back control failure information to the system end;
and S12, the system end generates consumption failure information and refund information based on the control failure information, sends the consumption failure information to the user end and sends the refund information to the bank end.
In addition, in the present invention, the execution end may not complete the execution action due to a failure of the execution end or other reasons (e.g., out of stock). The invention discloses a corresponding automatic refund function, which avoids the loss of consumers.
As shown in fig. 2, on the basis of the foregoing embodiment, as an optimized solution, before step S1, the payment chip-based internet of things payment method further includes:
opening a hot spot at the chip end;
the operation end logs in the hot spot and inputs a set IP to the chip end, so that the chip end enters a set mode;
the operation end sends chip configuration information to the chip end to complete the configuration of the chip end;
the chip end searches and connects the available wireless network and establishes communication connection with the system end.
The invention also discloses a method for setting the chip in advance. In the present invention, a specific structure of the chip end includes:
the ESP8266 plug-in CPU module (baseboard + ESP12F/ESP12S/ESP07) supplies power of 3.3V and 500 MA.
M2M control panel: the power supply voltages are 5V and 2A, and the on-board functions are as follows:
1 on-board bee-belling device, pin GPIO 14;
1 on-board relay, pin GPIO15, support 220V alternating current and 30V direct current;
an onboard relay is provided with 3 output control interface bases, and the output control interface bases are 220V;
an on-board ESPCPU slot, wherein the CPU can be inserted into the on-board slot in a stacking mode (the CPU and other components on the mainboard can be stacked together)), and the slot supplies power for 3.3V and 500 MA.
Mainboard both sides edge board carries 90 degrees curved contact pins of board and draws out and corresponds the pin, and the pin has: TXD (4G module RX), RXD (4G module TX), VCC, GND, ADC, GPIO0, GPIO2 (speech synthesis TX), GPIO4(RFIC RX or OLED screen RX), GPIO5(RFIC TX or OLED screen, possibly not available when TX), GPIO12 (two-dimensional code RX or log serial RX), GPIO13 (two-dimensional code TX or log serial TX), GPIO16 (voice board RDY or fast path ground switch or face RX).
The onboard power supply supports a mobile phone line interface and power supply voltages of 5V and 2A.
And 2 groups of 5V output pin interfaces are reserved on board.
The area of the main board is controlled to be about 3CM 4.8CM, and if a space exists, a fixing hole is formed.
The distance between two rows of pins on the CPU bottom board is 2.5CM (which can be measured again according to the actual bottom board).
In the invention, the staff of the merchant can carry out initial setting on the chip through the wireless network, so that special human-computer interaction equipment is not required to be arranged on the vending machine, the self-service charger, the self-service quick channel and other equipment, and the hardware cost can be effectively reduced.
As a specific implementation mode, after a user inputs a password to log in a chip end, a browser is opened and a default IP address is input, a WEB system embedded in a chip can be accessed to carry out configuration related setting, a storage button is clicked after the configuration of the chip is finished, a power supply of the chip is started newly, new configuration parameters in the chip can take effect, the chip is connected with network hotspot configuration, a WIFI network connection button is clicked to reset, a network connection interface can be configured, the chip can automatically search available networks nearby, the user can select the network to be connected to input the password, the user can click to start to connect a new WIFI hotspot button, and a status bar below can display information about whether the connection of a WIFI hotspot is successful and whether the connection of a server is successful.
In the present invention, the configuration information of the chip may include: chip AP password: the hot spot password of the chip can be modified; M2M _ url, IP or domain name address of the connection server; M2M _ prot is the communication port number of the connection server; M2M _ mode: a chip connection mode; M2M _ user: the chip automatically generates a number of a user; M2M _ password: authenticating and verifying a chip communication password; M2M _ topic KEY, MQTT communication subscription topic KEY verification; M2M sends the topic: the chip MQTT sends a subscription theme; M2M receives the topic: the chip receives a server subscription theme; M2M ali SKEY: an Aliyunwei information service key; nDNS name: the server is connected with the DNS name; serial port baud: a chip serial port baud; a serial port mode: a chip serial port transparent transmission mode; sending a template: the chip collects the data format of the sensor; timed transmission (seconds): setting the frequency of automatically acquiring data by the chip; firmware version: the version number of the current chip firmware; the merchant number: setting a merchant number corresponding to the cloud SaaS system; and payment KEY: setting a payment KEY of a payment micro-service merchant for matching; consumption amount: setting self-service fast consumption default automatic deduction amount; the equipment host computer: setting an identification name of the chip equipment; after the parameters are configured, clicking to store the parameter information, restarting the chip, and enabling the set chip information to take effect.
As shown in fig. 3, on the basis of the foregoing embodiment, as an optimized solution, the payment chip-based internet of things payment method further includes:
s13, the management end sends out management information to the system end, the management information includes any one or more of inquiry information, adding information, modifying information and deleting information;
and S14, the system end realizes the management function based on the management information.
In the invention, the system end can be an Internet of things big data platform.
As a specific implementation manner, the internet of things big data platform can adopt a three-layer framework and use international open-source MQTT server source codes, a payment micro-service API interface is accessed in a commercial closed loop, the payment micro-service API interface is a payment micro-service API interface for independently developing and developing a direct connection bank payment channel and a third-party payment aggregation channel, and the specifically accessed payment channels can comprise a commercial bank direct connection payment channel, a rural bank direct connection payment channel, a bank pre-platform direct connection payment channel, a Weifu communication payment channel, a Hui-bustong payment channel, a Yisheng payment channel, other payment channels and the like; the payment micro-service API interface adopts a Saas cloud architecture, and a server of the payment micro-service API can be authenticated through each payment channel. As long as use big data cloud platform API of intelligence thing antithetical couplet, third party's company just can easily dock the chip end fast, lets everything thing antithetical couplet product technology reduce to ordinary technical staff people can the realization degree.
The staff can manage the system through the management end (staff's computer), specifically can include:
(1) user information management
In the user information management interface, adding user information and clicking an adding button, modifying the user information and clicking a modifying button, then inputting the related information of the user and then pressing a storing button, not storing and clicking a canceling button, setting or modifying the password of the user after inputting a new password, replacing a clickable unbinding public number by integrating the E-connection public number with a WeChat public or an industrial and commercial bank bound by the user, and clicking a closing button to close a user information window.
(2) Selecting a user needing authorization, then selecting to hook according to the right authority of the user's requirement, canceling the hook without the right authority, quickly hooking all the authorities by clicking a full selection button, quickly canceling all the authorities by clicking an incomplete selection button, saving all the authorities of the current authorized user by pressing a saving button, and closing the current window by clicking a closing button.
(3) Terminal registration management
Inputting the machine code of the equipment needing to be registered, clicking the generation button, automatically generating the registration code, and registering the equipment corresponding to the registration to be used.
(4) System dictionary management
After the system dictionary management enters, clicking the parameter type to be set, clicking the shop to add, adding new information for changing the parameter type, clicking to modify the information content capable of modifying the parameter type, inputting and editing related detailed information, clicking a storage button to store, clicking a deletion button to delete the information corresponding to the parameter type, and clicking a closing button to close the current window.
(4) System log management
Entering a system log management interface to select a time period in which the system operation log needs to be inquired, clicking a form column to display the operation log in the inquiry time period range, and clicking EXCEL to export the log into an EXCE form. Clicking the close button closes the current frame.
(5) Modifying a user password
After the original password is input by modifying the password, inputting a new password by the new password, confirming that the new password is input again in the password, and clicking a password modification button to successfully modify the password. Clicking the close button closes the current frame.
(6) Server setting
At the server IP: the IP or domain name address of the server, the database name: inputting the name of a software background database, and logging in a user name: inputting a user name for logging in a software background database, and a login password: and inputting a login password of the software background book library.
(7) M2M device maintenance
The newly added M2M equipment clicks an adding button, the modified M2M equipment clicks a modifying button and then inputs corresponding equipment information, then a saving button is stored, a clicking cancel button is not stored, the M2M equipment selects the equipment information needing to be deleted and then clicks a deleting button, and a clicking close button is used for closing the current window.
(8) M2M remote management
Selecting the equipment to be controlled, clicking a function button corresponding to the chip to be controlled, clicking remote start to start the electric appliance continuation function of the equipment, and clicking remote query to return relevant information such as the ID number of the chip equipment, the IP information of the equipment, the baud rate of the serial port, the timing acquisition time, the firmware version and the like.
(9) Cloud collected data query
Selecting a time period and a filtering condition which need to be inquired for cloud collection, clicking an inquiry button, displaying information inquired by the corresponding condition in a table column, exporting data of a point export button to an EXCEL table, and clicking a closing button to close a current window.
(10) Merchant information
Adding merchant information, clicking an adding button, modifying the merchant information, clicking a modifying button, then inputting the relevant information of the merchant, pressing a storing button, not storing a click canceling button, deleting the merchant information, clicking a deleting button, and clicking a closing button to close the current window.
(11) Merchant transaction pipeline
The method comprises the steps of selecting a time period and a filtering condition of merchant running water needing to be inquired, pressing a search button, displaying corresponding merchant running water information in a table column below, exporting and clicking a export button to export an EXCEL table, clicking a cloud AI printer for printing and summarizing bills to automatically print and summarize bills, and clicking a printer for printing and detailing bills to print and detail bills.
In the present invention, the window interface of the system management can be set according to the actual need, which is not described herein again.
As shown in fig. 4, the invention also discloses a payment chip-based internet of things payment system, which comprises a chip end, a user end, a system end and a bank end, wherein:
the chip end is used for generating payment information;
the user side is used for acquiring payment information and sending the payment information to the system side;
the system end is used for detecting the chip end and sending information to be verified of payment to the user end when a detection result meets a preset condition;
the user side is also used for sending payment verification information to the system side;
the system end is also used for verifying payment verification information and sending transfer information to the bank end when the verification is passed;
and the bank end is used for transferring accounts based on the account transfer information and feeding back payment success information to the system end after the account transfer is completed.
On the basis of the above embodiment, as an optimized scheme, the payment chip-based internet of things payment system further includes an execution end, wherein:
the system end is also used for generating control information based on the payment success information and sending the control information to the execution end;
the execution end is used for performing consumption action based on the control information;
when the consuming action is completed, the executing end is also used for feeding back the consuming success information to the system end.
On the basis of the above embodiment, as an optimization scheme, when the completion of the consumption action fails, the execution end is further configured to feed back control failure information to the system end;
the system end is also used for generating consumption failure information and refund information based on the control failure information, sending the consumption failure information to the user end and sending the refund information to the bank end.
On the basis of the above embodiment, as an optimized scheme, the payment chip-based internet of things payment system further includes an operation terminal, wherein:
the chip end is also used for opening a hot spot;
the operation end is used for logging in the hot spot and inputting a set IP to the chip end, so that the chip end enters a set mode;
the operation end is also used for sending chip configuration information to the chip end to complete the configuration of the chip end;
the chip end is also used for searching and connecting available wireless networks and establishing communication connection with the system end.
Preferably, the payment chip-based internet of things payment system further comprises a management terminal, wherein:
the management end is used for sending management information to the system end, and the management information comprises any one or more of inquiry information, addition information, modification information and deletion information;
the system end is also used for realizing management functions based on the management information.
The above is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, several changes and modifications can be made without departing from the technical solution, and the technical solution of the changes and modifications should be considered as falling within the scope of the claims of the present application.
Claims (10)
1. A payment chip-based payment method of the Internet of things is characterized by comprising the following steps:
s1, generating payment information by the chip end;
s2, the user side acquires payment information and sends the payment information to the system side;
s3, the system end detects the chip end, if the detection result meets the preset condition, the system end sends the information to be verified of payment to the user end, and executes the step S4; if the detection result does not meet the preset condition, the payment is terminated;
s4, the user side sends payment verification information to the system side;
s5, the system end verifies the payment verification information, if the verification is passed, the step S6 is executed; if the verification fails, terminating the payment;
s6, the system end sends transfer information to the bank end;
and S7, the bank side transfers money based on the transfer information, and feeds back payment success information to the system side after the transfer is completed.
2. The payment chip-based internet of things payment method of claim 1, wherein the payment chip-based internet of things payment method further comprises:
s8, the system side generates control information based on the payment success information and sends the control information to the execution side;
s9, the execution end carries out consumption action based on the control information;
and S10, when the consumption action is completed, the execution end feeds back the consumption success information to the system end.
3. The payment chip-based internet of things payment method of claim 2, wherein the payment chip-based internet of things payment method further comprises:
s11, when the consumption action is failed, the execution end feeds back control failure information to the system end;
and S12, the system end generates consumption failure information and refund information based on the control failure information, sends the consumption failure information to the user end and sends the refund information to the bank end.
4. The payment chip-based internet of things payment method of any one of claims 1 to 3, wherein before the step S1, the payment chip-based internet of things payment method further comprises:
opening a hot spot at the chip end;
the operation end logs in the hot spot and inputs a set IP to the chip end, so that the chip end enters a set mode;
the operation end sends chip configuration information to the chip end to complete the configuration of the chip end;
the chip end searches and connects the available wireless network and establishes communication connection with the system end.
5. The payment chip-based internet of things payment method of claim 1, wherein the payment chip-based internet of things payment method further comprises:
s13, the management end sends out management information to the system end, wherein the management information comprises any one or more of inquiry information, addition information, modification information and deletion information;
and S14, the system side realizes the management function based on the management information.
6. The utility model provides a thing networking payment system based on payment chip, its characterized in that includes chip end, user side, system end and bank end, wherein:
the chip end is used for generating payment information;
the user side is used for acquiring payment information and sending the payment information to the system side;
the system end is used for detecting the chip end and sending information to be verified of payment to the user end when a detection result meets a preset condition;
the user side is also used for sending payment verification information to the system side;
the system end is also used for verifying the payment verification information and sending transfer information to the bank end when the verification is passed;
and the bank terminal is used for transferring accounts based on the transfer information and feeding back payment success information to the system terminal after the transfer is completed.
7. The payment chip-based internet of things payment system of claim 6, further comprising an execution end, wherein:
the system end is also used for generating control information based on the payment success information and sending the control information to the execution end;
the execution end is used for performing consumption action based on the control information;
when the consuming action is completed, the executing end is also used for feeding back the consuming success information to the system end.
8. The payment chip-based internet of things payment system of claim 7, wherein when the completion of the consumption action fails, the execution end is further configured to feed back control failure information to the system end;
the system end is also used for generating consumption failure information and refund information based on the control failure information, sending the consumption failure information to the user end and sending the refund information to the bank end.
9. The payment chip-based internet of things payment system of claims 6 to 8, further comprising an operator, wherein:
the chip end is also used for opening a hot spot;
the operation end is used for logging in the hot spot and inputting a set IP to the chip end, so that the chip end enters a set mode;
the operation end is also used for sending chip configuration information to the chip end to complete the configuration of the chip end;
the chip end is also used for searching and connecting the available wireless network and establishing communication connection with the system end.
10. The payment chip-based internet of things payment system of claim 6, further comprising a management terminal, wherein:
the management terminal is used for sending management information to the system terminal, wherein the management information comprises any one or more of inquiry information, addition information, modification information and deletion information;
and the system end is also used for realizing a management function based on the management information.
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