CN114694327A

CN114694327A - Payment method and communication device

Info

Publication number: CN114694327A
Application number: CN202011624212.9A
Authority: CN
Inventors: 郭光明
Original assignee: Huawei Technologies Co Ltd
Current assignee: Huawei Technologies Co Ltd
Priority date: 2020-12-30
Filing date: 2020-12-30
Publication date: 2022-07-01
Also published as: WO2022143471A1

Abstract

The application provides a payment method and a communication device, wherein the method comprises the following steps: the method comprises the steps that terminal equipment of a user receives a payment character sequence from an Unstructured Supplementary Service Data (USSD) gateway; the terminal device displays the payment character sequence for scanning by the cash register device so as to pay through a payment account of the user; wherein the payment character sequence includes a first character sequence including a plurality of visible characters for indicating the payment account. Therefore, based on the method described in the application, the user can carry out mobile payment only by displaying the payment character sequence displayed by the terminal equipment to scan the cash register, and the payment convenience of the terminal equipment is improved.

Description

Payment method and communication device

Technical Field

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

Background

The mobile payment is to use the mobile phone and other terminal devices to pay electronic money, and the mobile payment effectively combines the internet, the terminal devices and the financial institution to form a novel payment system, so that the convenience of user payment is greatly improved. Fig. 1 is a schematic flow chart of a conventional mobile payment method. As shown in fig. 1, wherein:

101. the scanning device scans the payment bar code or the payment two-dimensional code displayed by the payment application client to obtain payment code information.

Wherein the user may click the pay function button at the payment application client. After the user clicks the payment function button, the payment application client can acquire payment code information from the payment application background, and generate a payment bar code and a payment two-dimensional code based on the payment code information. And after the payment application client generates the payment bar code and the payment two-dimensional code, displaying the payment bar code and the payment two-dimensional code. The user presents the payment barcode and the payment two-dimensional code displayed by the payment application client to the cashier. After the cashier inputs the amount of money to be collected on the cashier platform, the cashier can use the scanning device to scan the payment bar code and the payment two-dimensional code displayed by the payment application client.

102. After the scanning device identifies the payment code information, the identified payment code information is sent to the cash register platform.

103. And after receiving the payment code information, the cashier platform sends a payment request to the payment application background. The payment request carries payment code information, collection amount and payee information.

104. And after the payment application background receives the payment request, carrying out payment transfer based on the payment code information, the collection amount and the information of the receiver in the payment request.

105. And after the payment application background finishes the payment transfer, informing the payment result to the cash register platform.

106. And after the payment transfer is finished by the payment application background, informing the payment application client of the payment result.

At present, only intelligent equipment (such as a smart phone, a smart watch and the like) supports generation of bar codes or two-dimensional codes, and certain functional equipment (such as a functional mobile phone) cannot generate the bar codes or the two-dimensional codes. The functional device means that the functions and applications of the device are basically determined when the device leaves a factory, and are preset and installed by a device manufacturer, so that the expansion is difficult. Therefore, at present, a user can only use the intelligent equipment to carry out code scanning payment and cannot use the functional equipment to carry out code scanning payment. However, the occupancy of smart devices in a significant portion of the developing countries is currently not fully dominated, and there are a large number of users using functional devices. Therefore, how to improve the payment convenience of the functional device is a problem to be solved urgently at present.

Disclosure of Invention

The application provides a payment method and a communication device, which are beneficial to improving the payment convenience of functional equipment.

In a first aspect, the present application provides a payment method, comprising: the method comprises the steps that terminal equipment of a user receives a payment character sequence from an Unstructured Supplementary Service Data (USSD) gateway; the terminal device displays the payment character sequence for scanning by the cash register device so as to pay through a payment account of the user; wherein the payment character sequence includes a first character sequence including a plurality of visible characters for indicating the payment account. Therefore, based on the method described in the first aspect, the user can perform mobile payment by displaying the payment character sequence displayed by the terminal device to scan the cash register device, and the payment convenience of the terminal device is improved.

In one possible implementation, before the terminal device receives the payment character sequence from the USSD gateway, the terminal device may further present a USSD menu item, and in response to a selection operation of the USSD menu item, send a first request to the USSD gateway for requesting provision of the payment character sequence, the first request including a first identification of the user. Based on the possible implementation mode, the terminal equipment can actively request the payment character sequence from the network side according to the requirements of the user, and the terminal equipment can more flexibly acquire the payment character sequence. And the user triggers the terminal equipment to request a payment character sequence from the network side by selecting a USSD menu item in the USSD menu, so that the terminal equipment can be triggered to request the payment character sequence from the network side conveniently.

In a possible implementation, a specific implementation manner of the terminal device presenting the USSD menu item is as follows: the terminal equipment receives first USSD menu data from the USSD gateway; the terminal device displays a USSD menu based on the first USSD menu data, where the USSD menu includes USSD menu items. In the possible implementation manner, compared with the case that the terminal device displays the USSD menu based on local USSD menu data, the terminal device obtains the USSD menu data from the USSD gateway, which is beneficial for the terminal device to obtain the latest USSD menu data in time.

In a possible implementation, before receiving the USSD menu data from the USSD gateway, the terminal device may further send a third request to the USSD gateway in response to a key input operation, where the third request is for requesting to provide the first USSD menu data. Based on the possible implementation manner, the terminal device can actively request the USSD gateway for the first USSD menu data according to the user requirement, and the terminal device can more flexibly acquire the first USSD menu data.

In one possible implementation, the payment character sequence further comprises a second character sequence comprising at least one visible character, the second character sequence being used to check the first character sequence. Based on the possible implementation, the cashier device is facilitated to determine whether the first character sequence is accurately identified.

In one possible implementation, the payment character sequence further includes a first demarcation character sequence that includes at least one visible character prior to the first character sequence. By displaying the first split character sequence before the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are improved.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first demarcation character sequence and before the first character sequence. The carriage return line feed character is an invisible character. That is, the characters included in the payment character sequence are not all visible characters. By adding the carriage return line-changing characters after the first demarcation character sequence and before the first character sequence, the first demarcation character sequence and the first character sequence can not be displayed on the same line, so that the speed and the accuracy of the cash register device for recognizing the first character sequence are improved.

In one possible implementation, after the first sequence of characters, the payment sequence of characters further includes a second sequence of demarcation characters, the second sequence of demarcation characters including at least one visible character. By displaying the second split character sequence after the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are advantageously improved.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first character sequence before the second demarcation character sequence. By adding the carriage return line-changing characters before the second boundary character sequence and after the first character sequence, the second boundary character sequence and the first character sequence are not displayed in the same line, and the method is favorable for improving the speed and the accuracy of the cash register device for recognizing the first character sequence.

In one possible implementation, the payment character sequence further includes, prior to the first character sequence, a first demarcation character sequence including at least one visible character; after the first character sequence, the payment character sequence further includes a second demarcation character sequence including at least one visible character. By displaying the first split character sequence before the first character sequence and displaying the second split character sequence after the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are improved.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first demarcation character sequence and before the first character sequence. And the payment character sequence further includes a carriage return line feed character after the first character sequence, prior to the second demarcation character sequence. Therefore, the first and second dividing character sequences and the first character sequence are not displayed on the same line, and the speed and the accuracy of recognizing the first character sequence by the cash register device are improved.

In one possible implementation, the second sequence of demarcation characters is the same as the first sequence of demarcation characters. By making the second demarcation character sequence the same as the first demarcation character sequence, the speed and accuracy of the cashier device in recognizing the first character sequence are improved.

In one possible implementation, the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters. The visible ASCII characters are global common characters and by making the visible characters in the payment character sequence visible ASCII characters, the compatibility of the scheme can be increased.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters. The characters in the payment character sequence come from a candidate character set preset by the payment platform. When all of the candidate character sets are visible ASCII characters and any two of the characters are not similar, a character selected from such a candidate character set is referred to as a high-recognition ASCII character, and such a candidate character set is referred to as a high-recognition candidate character set. This is advantageous for improving the accuracy with which the cashier device identifies visible characters in the sequence of payment characters.

In one possible implementation, the high recognition candidate character set may also include characters selected from among the 94 visible ASCII characters that do not have similar characters. For example, a high-recognition ASCII character set includes one or more of the following characters: A. d, E, G, H, L, N, Q, R, T, 3, 4, 5, 6 or 7.

In another possible implementation, the high recognition candidate character set includes characters having similar characters selected among the 94 visible ASCII characters, but any two characters in the high recognition candidate character set are dissimilar to each other.

If the high-recognition candidate character set includes characters having similar characters selected from among the 94 visible character sets, the cash register device may implement an error correction function. For example, assume that the 16 high-recognition characters included in the high-recognition candidate character set are: "0127 ACFHJKLPSTUX". If the cashier device recognizes the capital letter "O" or the small letter "O", the recognized character is considered the number "0". If the cashier device recognizes the capital letter "I", the lower case letter "l", the vertical line "|", the open square bracket "[" or the closed square bracket "]", the recognized character is considered to be the number "1". If the cashier device recognizes the capital letter "Z" or the lowercase letter "Z", the recognized character is considered the number "2".

In yet another possible implementation, the high-recognition ASCII character set refers to characters whose correct recognition rate is greater than or equal to a preset threshold.

In a possible implementation, after the terminal device displays the payment character sequence for the cash register device to scan, the terminal device may further perform the following steps: the method comprises the steps that terminal equipment receives payment confirmation information sent by a USSD gateway, wherein the payment confirmation information comprises prompt information used for prompting a user to input a payment password of a payment account; the terminal equipment displays the payment confirmation information; the terminal equipment receives a payment password of a payment account input by a user; and the terminal equipment sends the payment password of the payment account to the USSD gateway. Based on the possible implementation mode, the user can pay only by inputting the payment password of the payment account into the terminal device, and the payment safety is improved.

In one possible implementation, the payment confirmation information further includes order information of the user. The order information is displayed on the terminal equipment, so that the user can conveniently confirm whether the paid order is correct or not.

In a possible implementation, after the terminal device displays the payment character sequence for the cash register device to scan, the terminal device may further receive payment result information of the user sent by the USSD gateway, and display the payment result information. Based on this possible implementation, the user can know the payment result in time.

In a second aspect, the present application provides a payment method, the method comprising: receiving a payment character sequence sent by a payment platform by an Unstructured Supplementary Service Data (USSD) gateway; the USSD gateway sends the payment character sequence to the terminal equipment of the user; the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating a payment account of a user, and the payment character sequence is used for being scanned by a cash register device after being displayed by a terminal device so as to pay through the payment account.

In a possible implementation, before the USSD gateway receives the payment character sequence sent by the payment platform, the USSD gateway may further receive a first request from the terminal device, where the first request includes a first identifier of the user; and the USSD gateway responds to the first request and sends a second request to the payment platform, wherein the second request is used for requesting to provide a payment character sequence, the second request carries a second identifier of the user, and the second identifier is determined based on the first identifier.

In a possible implementation, the USSD gateway may further send first USSD menu data to the terminal device; the first USSD menu data is used for the terminal device to display a USSD menu, where the USSD menu includes a USSD menu item, and the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway.

In a possible implementation, before the USSD gateway sends the USSD menu data to the terminal device, a third request sent by the terminal device may be further received, where the third request is used to request to provide the first USSD menu data.

In a possible implementation, before the USSD gateway sends the first USSD menu data to the terminal device, a fourth request may also be sent to the payment platform, where the fourth request is used to request provision of second USSD menu data; and also can receive the second USSD menu data that the payment platform sends; the specific implementation manner of sending the first USSD menu data to the terminal device by the USSD gateway is as follows: and the USSD gateway sends the first USSD menu data to the terminal equipment based on the second USSD menu data. In this possible implementation, the payment platform generates USSD menu data for displaying the USSD menu, which facilitates the payment platform to update the USSD menu data.

In one possible implementation, the payment character sequence further comprises a second character sequence comprising at least one visible character, the second character sequence being used to check the first character sequence.

In one possible implementation, the payment character sequence further includes, prior to the first character sequence, a first demarcation character sequence including at least one visible character.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first demarcation character sequence and before the first character sequence.

In one possible implementation, the payment character sequence further includes, after the first character sequence, a second demarcation character sequence including at least one visible character.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first character sequence before the second demarcation character sequence.

In one possible implementation, the payment character sequence further includes, prior to the first character sequence, a first demarcation character sequence including at least one visible character; after the first character sequence, the payment character sequence further includes a second demarcation character sequence including at least one visible character.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first demarcation character sequence and before the first character sequence. And the payment character sequence further includes a carriage return line feed character after the first character sequence, prior to the second demarcation character sequence.

In one possible implementation, the second sequence of demarcation characters is the same as the first sequence of demarcation characters.

In one possible implementation, the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters. For the description of the high-recognition ASCII characters, reference is made to the description in the first aspect, which is not repeated herein.

In a possible implementation, after the USSD gateway sends the payment character sequence to the terminal device of the user, the following steps may be further performed: the USSD gateway receives payment confirmation information sent by a payment platform, wherein the payment confirmation information comprises prompt information for prompting a user to input a payment password of a payment account; the USSD gateway sends payment confirmation information to the terminal equipment; the USSD gateway receives a payment password of a payment account sent by the terminal equipment; and the USSD gateway sends the payment password of the payment account to the payment platform.

In one possible implementation, the payment confirmation information further includes order information of the user.

In a possible implementation, after sending the payment character sequence to the terminal device of the user, the USSD gateway may further receive payment result information of the user sent by the payment platform, and send the payment result information to the terminal device.

The beneficial effects of the second aspect can be seen in the beneficial effects of the first aspect, which are not described herein in detail.

In a third aspect, the present application provides a payment method, comprising: the payment platform sends a payment character sequence to the unstructured supplementary service data USSD gateway; the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating a payment account of a user, and the payment character sequence is used for being scanned by a cash register device after being displayed by a terminal device of the user so as to pay through the payment account.

In a possible implementation, the payment platform may further receive a second request sent by the USSD gateway, where the second request includes a second identifier of the user; the payment platform may also generate a payment character sequence for the user in response to the second request, and establish a correspondence between an identification of the payment account and the first character sequence, the identification of the payment account being derived based on the second identification of the user.

In a possible implementation, before receiving the second request sent by the USSD gateway, the payment platform may also receive a fourth request sent by the USSD gateway, where the fourth request is used to request to provide second USSD menu data; and also can send the second USSD menu data to USSD gateway; the second USSD menu data is used for the USSD gateway to send first USSD menu data to the terminal device, where the first USSD menu data is used for the terminal device to display a USSD menu, the USSD menu includes a USSD menu item, the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway, and the first request is used to trigger the USSD gateway to send a second request to the payment platform.

In one possible implementation, the payment character sequence further includes a first demarcation character sequence that includes at least one visible character prior to the first character sequence.

In one possible implementation, the payout character sequence further includes, after the first character sequence, a second demarcation character sequence that includes at least one visible character.

In one possible implementation, the first character sequence includes characters determined based on a mobile phone number of the user and/or a first time, the first time being a generation time of the first character sequence. The method is beneficial to avoiding generating the same first character sequence for different users, and improves the payment safety.

In one possible implementation, the first sequence of characters includes random characters. The method is favorable for avoiding the first character sequence from being revealed, and improves the safety of payment.

In one possible implementation, the binary number sequence corresponding to the second character sequence is composed of any one-digit binary number corresponding to each character in the first character sequence. Based on the second character sequence generated in the mode, the first character sequence can be accurately checked.

In a possible implementation, after the payment platform sends the payment character sequence to the unstructured supplementary service data USSD gateway, the following steps may be further performed: the payment platform receives a payment request sent by the cash register device, wherein the payment request carries order information and a third character sequence obtained by scanning a payment character sequence by the cash register device; the payment platform determines an identification of a payment account of the user based on the third sequence of characters; the payment platform makes a payment based on the order information and an identification of the user's payment account.

In one possible implementation, before the payment platform makes a payment based on the order information and the identification of the payment account of the user, the following steps may also be performed: the payment platform sends payment confirmation information to the USSD gateway, wherein the payment confirmation information comprises prompt information for prompting a user to input a payment password of a payment account; the payment platform receives a payment password of a payment account sent by the USSD gateway; the payment platform successfully verifies the payment password of the payment account.

In one possible implementation, the payment confirmation information carries the order information.

In one possible implementation, the payment platform may further send payment result information of the user to the USSD gateway and the cash register device.

In a fourth aspect, the present application provides a payment method, comprising: the method comprises the steps that the cash register device scans a payment character sequence displayed by a terminal device of a user, and a first character sequence in the payment character sequence is identified to obtain a third character sequence; the cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence; wherein the first sequence of characters includes a plurality of visible characters generated by the payment platform for indicating a payment account.

In one possible implementation, the payment character sequence further includes a second character sequence including at least one visible character, the second character sequence being used to verify the first character sequence; before the cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence, the cashier device can also identify the second character sequence in the payment character sequence to obtain a fourth character sequence; and the third character sequence can be checked based on the fourth character sequence, and the check result is pass.

In one possible implementation, in the event that the verification result is a failure, the cashier device may prompt the location of the character in the third sequence of characters that identified the error. Thus, the cashier can manually and quickly modify the character with the wrong recognition.

In one possible implementation, the payment character sequence further includes a carriage return line feed character after the first character sequence before the second split character sequence.

In a possible implementation manner, the specific implementation manner of identifying the first character sequence in the payment character sequence to obtain the third character sequence is as follows: identifying a first character sequence in the payment character sequence to obtain a fifth character sequence; and replacing at least one character in the fifth character sequence with a preset similar character to obtain a third character sequence. Based on the possible implementation mode, the recognized characters can be corrected, and the accuracy of character recognition is improved.

In a possible implementation manner, the specific implementation manner that the cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence is as follows: and the cashier equipment sends a payment request to the payment platform, wherein the payment request carries the order information and the third character sequence.

In one possible implementation, the cash register device may also receive payment result information of the user sent by the payment platform, and display the payment result information.

In a fifth aspect, the present application provides a communication apparatus, which may be a terminal device, an apparatus in a terminal device, or an apparatus capable of being used in cooperation with a terminal device. Wherein, the communication device can also be a chip system. The communication device may perform the method of the first aspect. The functions of the communication device can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above functions. The unit may be software and/or hardware. The operations and advantageous effects performed by the communication device may refer to the method and advantageous effects described in the first aspect, and repeated details are not repeated.

In a sixth aspect, the present application provides a communication apparatus, which may be a USSD gateway, or an apparatus in the USSD gateway, or an apparatus capable of being used in cooperation with the USSD gateway. Wherein, the communication device can also be a chip system. The communication device may perform the method of the second aspect. The functions of the communication device can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above functions. The unit may be software and/or hardware. The operations and advantageous effects performed by the communication device may refer to the method and advantageous effects described in the second aspect, and repeated details are not repeated.

In a seventh aspect, the present application provides a communication device, which may be a payment platform, a device in a payment platform, or a device capable of matching with a payment platform. The communication device can also be a chip system. The communication device may perform the method of the third aspect. The functions of the communication device can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above functions. The unit may be software and/or hardware. The operations and advantageous effects performed by the communication device may refer to the method and advantageous effects described in the third aspect, and repeated details are omitted.

In an eighth aspect, the present application provides a communication device, which may be a cash register device, or a device in the cash register device, or a device capable of being used with the cash register device. Wherein, the communication device can also be a chip system. The communication device may perform the method of the fourth aspect. The functions of the communication device can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above functions. The unit may be software and/or hardware. The operations and advantageous effects performed by the communication device may refer to the method and advantageous effects described in the fourth aspect, and repeated details are not repeated.

In a ninth aspect, the present application provides a communication device comprising a processor, wherein the method according to any one of the first to fourth aspects is performed when the processor invokes a computer program in a memory.

In a tenth aspect, the present application provides a communication device comprising a processor and a memory for storing computer-executable instructions; the processor is configured to execute computer-executable instructions stored by the memory to cause the communication device to perform the method of any one of the first to fourth aspects.

In an eleventh aspect, the present application provides a communication device comprising a processor, a memory, and a transceiver for receiving signals or transmitting signals; the memory for storing program code; the processor is configured to call the program code from the memory to execute the method according to any one of the first aspect to the fourth aspect.

In a twelfth aspect, the present application provides a communication device comprising a processor and an interface circuit, the interface circuit configured to receive code instructions and transmit the code instructions to the processor; the processor executes the code instructions to perform a method as described in any one of the first to fourth aspects.

In a thirteenth aspect, an embodiment of the present application provides a payment system, which includes the communication device provided in the fifth aspect to the eighth aspect.

In a fourteenth aspect, the present application provides a computer-readable storage medium for storing instructions that, when executed, cause a method as in any one of the first to fourth aspects to be implemented.

In a fifteenth aspect, the present application provides a computer program or a computer program product, including code or instructions, which when run on a computer, causes the computer to perform the method according to any one of the first to fourth aspects.

Drawings

Fig. 1 is a schematic flow chart of a conventional mobile payment;

FIG. 2 is a diagram of a system architecture provided by an embodiment of the present application;

FIG. 3 is a schematic diagram of another system architecture provided by embodiments of the present application;

fig. 4 is a schematic flowchart of a payment method provided in an embodiment of the present application;

fig. 5 is a schematic diagram of a display interface of a terminal device according to an embodiment of the present application;

FIG. 6 is a schematic flow chart diagram of another payment method provided by the embodiments of the present application;

fig. 7 is a schematic diagram of another display interface of a terminal device provided in an embodiment of the present application;

fig. 8 is a schematic view of a display interface of a cash register device provided in an embodiment of the present application;

fig. 9 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

FIG. 10 is a schematic diagram of a display interface of another terminal device provided in an embodiment of the present application;

fig. 11 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

fig. 12 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

fig. 13 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

fig. 14 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

fig. 15 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

FIG. 16 is a schematic flow chart diagram illustrating another payment method provided by an embodiment of the present application;

fig. 17 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

FIG. 18 is a schematic flow chart diagram illustrating another payment method provided by an embodiment of the present application;

fig. 19 is a schematic flowchart of another payment method provided in the embodiment of the present application;

FIG. 20 is a schematic flow chart diagram illustrating another payment method provided by an embodiment of the present application;

fig. 21 is a schematic diagram of a display interface of another terminal device provided in the embodiment of the present application;

fig. 22 is a schematic structural diagram of a communication device according to an embodiment of the present application;

fig. 23 is a schematic structural diagram of another communication device according to an embodiment of the present application.

Detailed Description

Specific embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

The terms "first" and "second," and the like in the description, claims, and drawings of the present application are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

In this application, "at least one" means one or more, "a plurality" means two or more, "at least two" means two or three and three or more, "and/or" for describing the correspondence of the associated objects, indicating that three relationships may exist, for example, "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.

In order to improve the payment convenience of a functional mobile phone, the embodiment of the application provides a payment method and a communication device, and in order to better understand the scheme provided by the application, the following technical terms related to the application are introduced firstly:

optical Character Recognition (OCR): the optical character recognition is to recognize characters in an image or a scanning piece into editable texts, can replace manual input texts, and can improve the service efficiency.

Unstructured Supplementary Service Data (USSD): USSD is a new type of interactive data service based on global system for mobile communications (GSM) networks. When the user uses the mobile phone keyboard to input some preset numbers or symbols (such as a, a and the like) of the network, the user can press the dial key to send an instruction to the network, and the network selects the service required by the user according to the instruction and provides the service to the user.

Short message peer to peer protocol (SMPP): the short message peer-to-peer protocol (SMPP) is a protocol suitable for (mobile communication) messaging between a wireless data application (short message application) and a wireless network, and is one of standard protocols of an external access interface of a short message service center system. Namely, the SMPP is a short message transceiving protocol, and the USSD gateway communicates with the terminal device using the SMPP.

American Standard Code for Information exchange (ASCII): the computer coding system is based on Latin letters and is mainly used for displaying modern English and other Western European languages. It is the most common standard for information exchange and is equivalent to the international standard ISO/IEC 646. The first publication of ASCII in the canonical standard was in 1967 and the last update was in 1986, which defined a total of 128 characters.

The system architecture of the embodiments of the present application is introduced below:

referring to fig. 2, fig. 2 is a schematic diagram of a system architecture according to an embodiment of the present disclosure. As shown in fig. 2, the system architecture includes a payment platform, a terminal device, a USSD gateway, and a cash register device.

The payment platform comprises: the payment platform is a backend or server of the payment application. The payment platform can generate a payment character sequence for a user, and send the payment character sequence to the terminal device through the USSD gateway for display. The payment platform may also receive a payment request sent after the cash register device scans the payment character sequence, and make a payment through a payment account of the user based on the payment request.

The terminal equipment: the terminal device in the embodiment of the present application is a functional device (such as a functional mobile phone). The functional device means that the functions and applications of the device are basically determined when the device leaves a factory, and are preset and installed by a mobile phone manufacturer, so that the expansion is difficult. The functional device may be understood as a terminal device other than a smartphone. The terminal device in the embodiment of the application can receive the payment character sequence sent by the payment platform through the USSD gateway, and display the payment character sequence to the cash register device for scanning, so that payment is completed through the payment account of the user.

USSD gateway: the USSD gateway is arranged between the terminal equipment and the payment platform. The USSD gateway interacts with the terminal equipment through a USSD protocol, so that the terminal equipment can interact with the payment platform related to payment. The USSD gateway can receive a specific digital instruction or a specific character instruction sent by the terminal equipment, convert the specific digital instruction or the specific character instruction into a message which can be recognized by the payment platform and send the message to the payment platform so as to request corresponding services from the payment platform. After receiving the response message returned by the payment platform, the USSD gateway converts the response message into an SMPP message which can be identified by the terminal device, and sends the SMPP message to the terminal device, so that the terminal device displays information in the SMPP message. For example, the user uses the keypad of the mobile phone to input some numbers or symbols that have been pre-established in the network, such as 188#, and then presses the dial key of the mobile phone to send an instruction to the USSD gateway. The USSD gateway converts the instruction into an HTTP message that the payment platform can recognize to request services of the payment platform. After receiving the HTTP message returned by the payment platform, the USSD gateway converts the HTTP message into an SMPP message and sends the SMPP message to the terminal device, so that the terminal device displays information in the SMPP message.

The cashier device: the cash register device is used for scanning the payment character sequence displayed by the terminal device and identifying a first character sequence in the payment character sequence, wherein the first character sequence comprises a plurality of visible characters used for indicating the payment account of the user. The checkout device may request payment from the payment platform through the user's payment account based on the recognized sequence of characters. That is, the cash register device has a scanning function, a character recognition function, and a function of requesting payment to the payment platform.

The cash register device may be a device that integrates the above three functions. For example, the cashier device may be a smartphone, which includes a camera, a processor and a transceiver. The payment character sequence displayed by the terminal equipment can be scanned through a camera of the smart phone, the first character sequence in the payment character sequence is identified through the processor, and payment is requested to the payment platform through the payment account of the user through the transceiver based on the identified character sequence.

Alternatively, the cash register device may be composed of a plurality of devices. For example, as shown in fig. 3, the cash register device may include a scanning device, a character recognition device, and a cash register platform. The scanning device and the cash register platform can be connected in a wired or wireless mode, and the character recognition device and the cash register platform can be connected in a wired or wireless mode. Fig. 3 illustrates an example in which the scanning device is connected to the cash register platform by a wire, and the character recognition device is connected to the cash register platform by a wire. The scanning device is used for scanning the payment character sequence displayed by the terminal device to obtain an image comprising the payment character sequence. The character recognition device is used for recognizing a first character sequence from the image comprising the payment character sequence and sending the character sequence obtained by recognizing the first character sequence to the cash register platform. The cashier platform is used for requesting payment from the payment platform through the payment account of the user based on the received character sequence.

Alternatively, the scanning function and the character recognition function may be integrated into one device, and the function of requesting payment from the payment platform is implemented separately by another device. Alternatively, the scanning function and the function of requesting payment from the payment platform may be integrated into one device, with the character recognition function being implemented separately by the other device. Alternatively, the character recognition function and the function of requesting payment from the payment platform may be integrated into one device, with the scanning function being implemented separately by the other device.

The following describes in detail the payment method and the communication device provided in the embodiments of the present application:

referring to fig. 4, fig. 4 is a schematic flowchart of a payment method according to an embodiment of the present disclosure. As shown in fig. 4, the payment method includes the following steps 401 to 405. Wherein:

401. and the payment platform sends a payment character sequence to the USSD gateway.

In the embodiment of the application, after the payment character sequence is generated by the payment platform, the payment character sequence is sent to the USSD gateway. Wherein the payment character sequence comprises a first character sequence comprising a plurality of visible characters for indicating a payment account of the user.

Three ways of generating the first character sequence are described below:

the method is a completely random mode. I.e. the first sequence of characters comprises characters which are random characters. The random character refers to a character randomly selected by the payment platform from a preset candidate character set. Or the random character is a character corresponding to the random decimal number determined based on the corresponding relationship between the decimal number and the characters in the candidate character set after the payment platform generates the random decimal number. Wherein the set of candidate characters includes a plurality of visible characters. The first character sequence is generated in a full random mode, so that the first character sequence is prevented from being leaked, and the payment safety is improved.

For example, assume that a preset set of candidate characters includes 16 visible characters. The 16 visible characters in the candidate character set are respectively: "0127 ACFHJKLPSTUX". The first character sequence comprises 8 visible characters. The payment platform randomly selects one character from the candidate character set at a time, totally carries out 8 times of random selection, and combines the characters randomly selected 8 times into a first character sequence. For example, a first character sequence consisting of 8 randomly selected characters is: "02 STAHH 0".

As another example, assume that the correspondence between the decimal number and the characters in the candidate character set may be as shown in Table 1. The first character sequence comprises 8 visible characters. The payment platform randomly generates 8 decimal numbers between [0,15], and the 8 decimal numbers generated by the payment platform are respectively '1, 3, 4, 5, 8, 7, 3, 9'. Based on the corresponding relationship shown in table 1, the payment platform determines that the characters corresponding to the 8 decimal numbers are respectively: "1, 7, A, C, J, H, 7, K". Thus, the paymate determines that the first character sequence is: "17 ACJH 7K". It should be understood that the correspondence between the characters and the decimal numbers shown in table 1 is only an example, and there may be other mappings between the characters and the decimal numbers, which is not an example here.

TABLE 1

② no random mode. Optionally, the payment platform may generate the first sequence of characters based on the mobile phone number and/or the first time of the user. I.e. the first sequence of characters comprises characters determined on the basis of the phone number of the user and/or the first time. Wherein the first time is the generation time of the first character sequence. The first time may be a date and/or a time of day. For example, the payment platform generates a first sequence of characters at 12:00, 11/10/2020. Then the first time may be 11/10, or 12:00, or 11/10/12: 00 in 2020.

The specific implementation manner of the payment platform generating the first character sequence based on the mobile phone number and/or the first time of the user may be: the payment platform determines a decimal number sequence based on the mobile phone number and/or the first time of the user, maps the decimal number sequence into a character sequence based on the corresponding relation between the decimal number and the characters, and determines that the mapped character sequence is a first character sequence. The first character sequence is generated based on the mobile phone number of the user and/or the first time, so that the same first character sequence is prevented from being generated for different users, and the payment safety is improved.

For example, it is assumed that the correspondence between characters and decimal numbers is as shown in table 1 above. The mobile phone number of the user is as follows: "13812345678". The first character sequence was generated for 11 months and 10 days. The decimal number sequence that the payment platform gets based on the user's cell phone number and the generation time of the first character sequence is "1, 3, 8, 1, 2, 3, 4, 5, 6, 7, 8, 11, 10". Based on the correspondence shown in table 1, the payment platform determines that the characters corresponding to the 13 decimal numbers are respectively: "1, 7, J, 1, 2, 7, A, C, F, H, J, P, L". Thus, the paymate determines that the first character sequence is: "17J 127 ACFHJPL".

And part of random mode. That is, some of the characters included in the first sequence of characters are random characters and other characters are not random characters. For example, the first sequence of characters includes random characters and characters determined based on the phone number of the user and/or the first time. The first character sequence is generated in a partial random mode, so that the first character sequence is prevented from being leaked, the same first character sequence is prevented from being generated for different users, and the payment safety is improved.

For example, it is assumed that the correspondence between characters and decimal numbers is as shown in table 1 above. The mobile phone number of the user is as follows: "13812345678". The first character sequence was generated for 11 months and 10 days. The decimal number sequence that the payment platform gets based on the user's cell phone number and the generation time of the first character sequence is "1, 3, 8, 1, 2, 3, 4, 5, 6, 7, 8, 11, 10". Based on the correspondence shown in table 1, the payment platform determines that the characters corresponding to the 13 decimal numbers are respectively: "1, 7, J, 1, 2, 7, A, C, F, H, J, P, L". The paymate then randomly selects 3 characters from the candidate character set. For example, the randomly selected character is "TXU". The first sequence of characters generated by the payment platform may be: "17J 127 ACFHJPLTXU". Where the random character may precede the non-random character or may follow the non-random character. The random character may also be a character corresponding to the random decimal number determined based on a correspondence between the random decimal number and characters in the candidate character set after the payment platform generates the random decimal number. For the obtaining method of the random character, reference may be made to the foregoing description, which is not repeated herein.

In this embodiment, the payment platform may establish a correspondence between the first character sequence and an identifier of the payment account of the user, so that the payment account of the user may be indicated by the first character sequence. The identifier of the payment account of the user may be a mobile phone number of the user, an account number of the payment account of the user, identity card information of the user, an account number of an instant messaging application of the user, a mailbox number of the user, or the like.

For example, the correspondence between the first character sequence established by the payment platform and the identification of the payment account of the user may be as shown in table 2 below. Wherein the first character sequence 1 "0127 STUX" corresponds to the identification "15232204938" of the payment account. The first character sequence 2 "1227 STUA" corresponds to the identification "15002200938" of the payment account. The first character sequence 3 "2227 STUC" corresponds to the identification "13032200933" of the payment account.

TABLE 2

In a possible implementation, the payment platform stores the correspondence between the characters and the decimal numbers, and a specific implementation manner of the payment platform establishing the correspondence between the first character sequence and the identifier of the payment account of the user may be: and the payment platform establishes a corresponding relation between the decimal number sequence corresponding to the first character sequence and the identification of the payment account of the user. Due to the correspondence between the first character sequence and the decimal number sequence, there is a correspondence between the decimal number sequence and the identity of the payment account of the user. Therefore, it can be considered that establishing the correspondence between the decimal number sequence corresponding to the first character sequence and the identification of the payment account of the user is equivalent to establishing the correspondence between the first character sequence and the identification of the payment account of the user.

For example, it is assumed that the correspondence between characters and decimal numbers is as shown in table 1. The decimal number sequence 1 corresponding to the first character sequence 1 "0127 STUX" is "0, 1, 2, 3, 12, 13, 14, 15". The decimal number sequence 2 corresponding to the first character sequence 2 "1227 STUA" is "1, 2, 2, 3, 12, 13, 14, 4". The decimal number sequence 3 corresponding to the first character sequence 3 "2227 STUC" is "2, 2, 2, 3, 12, 13, 14, 5".

As shown in table 3 below, the payment platform establishes a correspondence between the first sequence of characters 1 and the identification of the payment account of user 1, "15232204938," by establishing a correspondence between the decimal number sequence 1 and the identification of the payment account of user 1, "15232204938. The payment platform establishes a correspondence between the first sequence of characters 2 and the identification of the payment account of user 2 "15002200938" by a correspondence between the sequence of decimal numbers 2 and the identification of the payment account of user 2 "15002200938". The payment platform establishes a correspondence between the first sequence of characters 3 and the identification of the payment account of user 3, "13032200933," by establishing a correspondence between the sequence of decimal numbers 3 and the identification of the payment account of user 3, "13032200933.

And after the payment platform receives a third character sequence obtained by scanning the payment character sequence and sent by the cash register, the payment platform determines a decimal number sequence corresponding to the third character sequence based on the corresponding relationship between the characters and the decimal numbers. The payment platform can determine the payment account of the user based on the pre-stored corresponding relationship between the decimal number sequence and the identification of the payment account and the decimal number sequence corresponding to the third character sequence. For example, the payment platform receives a payment request sent by the cash register device, where the payment request carries the third character sequence "0127 STUX". Based on the correspondence between the characters and the decimal numbers shown in table 1, the payment platform determines that the decimal number sequence corresponding to the third character sequence "0127 STUX" is "0, 1, 2, 3, 12, 13, 14, 15". The payment platform determines that the decimal number sequence "0, 1, 2, 3, 12, 13, 14, 15" corresponds to the identification "15232204938" of the payment account based on the correspondence shown in table 3 below. The payment platform makes the payment through the payment account identified by "15232204938".

TABLE 3

Decimal number sequence	Identification of payment account
		0，1，2，3，12，13，14，15	15232204938
1，2，2，3，12，13，14，4	15002200938
		2，2，2，3，12，13，14，5	13032200933

402. The USSD gateway sends the payment character sequence to the terminal device of the user.

In the embodiment of the application, after receiving the payment character sequence sent by the payment platform, the USSD gateway sends the payment character sequence to the terminal device of the user.

In a possible implementation, the payment platform sends the payment character sequence to the USSD gateway through the HTTP message, that is, the payment platform loads the payment character sequence in the HTTP message and sends the HTTP message to the USSD gateway. After receiving the HTTP message, the USSD gateway converts the HTTP message into an SMPP message, and sends the payment character sequence to the terminal device of the user through the SMPP message, that is, the USSD gateway loads the payment character sequence in the SMPP message and sends the payment character sequence to the terminal device.

403. The terminal device displays the payment character sequence for scanning by the cashier device.

In the embodiment of the application, after the terminal device receives the payment character sequence, the payment character sequence is displayed for the cash register device to scan.

For example, assume that the first character sequence in the payout character sequence is "0127 STUX". The payment character sequence displayed by the terminal device may be as shown in fig. 5. Optionally, as shown in fig. 5, the terminal device may further display a prompt message for prompting the user to display the payment character sequence to the merchant.

404. The cashier device scans the payment character sequence displayed by the terminal device of the user, and identifies the first character sequence in the payment character sequence to obtain a third character sequence.

In the embodiment of the application, the cashier device scans the payment character sequence displayed by the terminal device of the user to obtain an image comprising the payment character sequence, and the cashier device identifies the first character sequence in the image to obtain the third character sequence. The third character sequence is identical to the first character sequence if the first character sequence is identified accurately by the cashier device. The third character sequence is not identical to the first character sequence if the first character sequence is not accurately recognized by the cashier device.

In a possible implementation manner, a specific implementation manner of the cashier device recognizing the first character sequence in the payment character sequence to obtain the third character sequence is as follows: identifying a first character sequence in the payment character sequence to obtain a fifth character sequence; and replacing at least one character in the fifth character sequence with a preset similar character to obtain a third character sequence. Based on the possible implementation mode, the recognized characters can be corrected, and the accuracy of character recognition is improved.

For example, assume that the first character sequence is: "02 STLSHTA7S 2". The cashier equipment identifies the first character sequence to obtain a fifth character sequence as follows: "02 STLSHTA7 SZ". The characters in the candidate character set are as shown in table 1 above. Since the capital letter "Z" does not exist in the candidate character set, and the numeral "2" similar to the capital letter "Z" exists in the candidate character set. Therefore, the cashier device replaces the last character "Z" in the fifth character sequence with the number "2", resulting in a third character sequence "02 stlschta 7S 2".

405. The cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence.

In the embodiment of the application, after the cash register device identifies the first character sequence in the payment character sequence to obtain the third character sequence, the payment platform is requested to pay through the payment account of the user based on the third character sequence.

In a possible implementation manner, the specific implementation manner that the cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence is as follows: and the cashier equipment sends a payment request to the payment platform, wherein the payment request carries the third character sequence and the order information. After the payment platform receives the payment request, determining the identification of the payment account of the user based on the third character sequence; the payment platform makes a payment based on the order information and the payment account of the user. The order information may include an identification of the payee's payment account and an order amount. The order information may also include payee name, order number, transaction time or transaction description, etc.

For example, the payment platform sends the payment character sequence to the terminal device through the USSD gateway. The first character sequence in the payout character sequence is "0127 STUX". And after the terminal equipment receives the payment character sequence, displaying the payment character sequence. The payment character sequence displayed by the terminal device is shown in fig. 5. The cashier device scans the payment character sequence, and the third character sequence obtained by identifying the first character sequence is "0127 STUX". The cash register device sends a payment request to the payment platform, wherein the payment request carries the third character sequence "0127 STUX", the identifier of the payment account of the payee and the order amount of 10 yuan. After the payment platform receives the payment request, it determines that the payment account of the user is identified as "15232204938" based on the correspondence and the third character sequence of table 2 above. The payment platform transfers 10 dollars from the payment account identified as "15232204938" to the payee's payment account.

In the embodiment of the present application, the payment character sequence may include only the first character sequence, and at this time, the payment character sequence is equal to the first character sequence. Alternatively, the payment character sequence may include other character sequences in addition to the first character sequence. The following describes a case where the payment character sequence may include other character sequences in addition to the first character sequence:

the payment character sequence also comprises a second character sequence, the second character sequence comprises at least one visible character, and the second character sequence is used for checking the first character sequence.

Referring to fig. 6, fig. 6 is a schematic flow chart of another payment method according to an embodiment of the present disclosure. As shown in fig. 6, the payment method includes steps 601 to 607. The specific implementation manners of steps 601 to 604 and 607 are the same as those of steps 401 to 405 described above, and are described herein. Wherein: 605. the cash register device identifies the second character sequence in the payment character sequence to obtain a fourth character sequence. 606. The cashier device checks the third character sequence based on the fourth character sequence. In case the check result is a pass, step 607 is executed, i.e. the cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence. By performing steps 605 and 606, the cashier device can determine whether the first character sequence is recognized accurately.

In one possible implementation, in the event that the verification result is a failure, the cashier device prompts the third character sequence for the location of the character that identified the error. Thus, the cashier can manually and quickly modify the character with the wrong recognition. Alternatively, in the case that the third character sequence is not verified, the cashier device may only prompt that the third character sequence is not verified, and not prompt the position of the character in the third character sequence where the error is identified. The cashier may rescan the payment character sequence through the cashier device.

Wherein the second character sequence is derived based on the first character sequence. Optionally, the binary number sequence corresponding to the second character sequence is composed of any one-bit binary number corresponding to each character in the first character sequence. The binary number sequence corresponding to the second character sequence refers to a sequence of binary numbers of characters in the second character sequence. For example, the binary number sequence corresponding to the second character sequence is composed of the first bit binary numbers corresponding to the characters in the first character sequence. Or the binary number sequence corresponding to the second character sequence consists of the second binary digits corresponding to each character in the first character sequence. Or the binary number sequence corresponding to the second character sequence consists of the third bit binary number corresponding to each character in the first character sequence. Or the binary number sequence corresponding to the second character sequence consists of the last bit binary number corresponding to each character in the first character sequence.

For example, the payment platform and the cash register device store the correspondence between characters and binary numbers, which is shown in table 4 below. Assume that the first character sequence generated by the payment platform is "1227 STUA". Based on the correspondence shown in table 4, the binary numbers of the respective characters of the first character sequence are shown in the second row of table 5 below. As shown in the third row of table 5 below, the binary sequence of the last bit binary of each character of the first character sequence is "10010100", i.e., the binary sequence corresponding to the second character sequence is "10010100". Thus, the second character sequence is "KA".

TABLE 4

TABLE 5

And after the payment platform generates the payment character sequence, the payment character sequence is sent to the terminal equipment through the USSD gateway. And after the terminal equipment receives the payment character sequence, displaying the payment character sequence. For example, the terminal device displays a payment character sequence as shown in fig. 7. The second one of the payout character sequences may precede the first character sequence or the second one of the payout character sequences may follow the first character sequence. Fig. 7 exemplifies that the second character sequence follows the first character sequence. The cash register device scans the payment character sequence displayed by the terminal device, the third character sequence obtained by identifying the first character sequence '1227 STUA' is 'L227 STUA', and the fourth character sequence obtained by identifying the second character sequence is 'KA'. The cashier device checks the third character sequence based on the fourth character sequence. As shown in the third row of Table 6 below, the binary number sequence consisting of the last bit binary group of each character of the third character sequence is "00010100". The cashier device maps this binary number sequence "00010100" to a sixth character sequence "1A". And the fourth character sequence is "KA". Since the sixth character sequence and the fourth character sequence are not identical, the cashier device determines that the third character sequence is not checked. The cashier device determines that the first character in the third character sequence is identified incorrectly because the last binary number of the first character in the third character sequence is different from the first binary number of the fourth character sequence. The cash register device may output a prompt message that prompts that the first character in the third sequence of characters is recognized incorrectly. The prompt may also prompt modification of the first character in the third sequence of characters. For example, the reminder information output by the cashier device may be as shown in fig. 8. The cashier may manually input the identifying incorrect character via the keyboard. Alternatively, the cashier may rescan the payment character sequence displayed by the terminal device through the cashier device.

TABLE 6

In one possible implementation, the correspondence between the characters and the binary numbers and/or the correspondence between the characters and the decimal numbers in the cash register device may be preset in the cash register device before the cash register device leaves the factory. Alternatively, the cashier device may update its stored correspondence between characters and binary numbers and/or the correspondence of characters and decimal numbers by software upgrade. Alternatively, the payment platform may push the new correspondence between characters and binary numbers and/or the new correspondence of characters and decimal numbers to the cash register device.

In a possible implementation, after the payment platform generates the first character sequence and the second character sequence, the corresponding relationship between the first character sequence and the second character sequence and the identification of the payment account of the user may also be established, so that the payment account of the user may be indicated through the first character sequence and the second character sequence. And after the cash register device identifies the first character sequence to obtain a third character sequence and identifies the second character sequence to obtain a fourth character sequence, the payment platform is requested to pay through a payment account of the user based on the third character sequence and the fourth character sequence.

For example, the payment platform generates a first character sequence of "1227 STUA" and a second character sequence of "KA". The payment platform establishes a correspondence between "1227 STUAKA" and the identification of "15232204938" of user 1's payment account. And the payment platform sends the payment character sequence to the terminal equipment through the USSD gateway for display. For example, the terminal device displays a payment character sequence as shown in fig. 7. The cash register device scans the payment character sequence displayed by the terminal device, the first character sequence is identified to obtain a third character sequence of '1227 STUA', and the second character sequence is identified to obtain a fourth character sequence of 'KA'. The cashier device checks the third character sequence based on the fourth character sequence. After the cashier device determines that the third character sequence is verified, the cashier device sends a payment request to the payment platform, wherein the payment request carries the third character sequence '1227 STUA' and the fourth character sequence 'KA'. The payment platform determines that the identity '1227 STUAKA' corresponds to the identity '15232204938' of the payment account of the user 1 based on the pre-stored correspondence. The payment platform makes the payment through the payment account identified by "15232204938".

The payment character sequence further includes a first demarcation character sequence before the first character sequence, the first demarcation character sequence including at least one visible character. By displaying the first split character sequence before the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are improved.

The characters in the first dividing character sequence may be visible symbols such as "-", "," + "," # ", and the like. For example, as shown in fig. 9, the payment character sequence includes a first demarcation character sequence + a first character sequence + a second character sequence. Wherein, the first character sequence is 'x', the first character sequence is '1227 STUA', and the second character sequence is 'KA'. The first demarcation character sequence is used for the cashier device to determine the position of the first character sequence. After the cashier device recognizes the character sequence, the first character sequence can be determined to be included in the character sequence after the character sequence. The characters in the first delimited sequence of characters may be the same or different. FIG. 9 illustrates the same character in the first delimited sequence of characters.

For example, as shown in fig. 10, the payment character sequence includes a first dividing character sequence + a carriage return line feed character + a first character sequence + a second character sequence. The first character sequence is "1227 STUA", and the second character sequence is "KA".

Third, after the first character sequence, the payment character sequence further includes a second demarcation character sequence including at least one visible character. By displaying the second split character sequence after the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are advantageously improved.

The characters in the second dividing character sequence may be "-", "," + "," # ", and other symbols. For example, as shown in fig. 11, the payment character sequence includes a first character sequence + a second demarcation character sequence. The first character sequence is "1227 STUA", the second character sequence is "KA", and the second character sequence is "×". The second split character sequence is used by the cashier device to determine the position of the first character sequence. After the cashier device recognizes the character sequence, the first character sequence in the character sequence before the character sequence can be determined. The characters in the second split character sequence may be the same or different. Fig. 11 exemplifies that the characters in the second split character sequence are the same.

For example, as shown in fig. 12, the payment character sequence includes a first character sequence + a second character sequence + a carriage return line feed character + a second demarcation character sequence. The first character sequence is "1227 STUA", the second character sequence is "KA", and the second dividing character sequence is ". x.

Before the first character sequence, the payment character sequence also comprises a first demarcation character sequence which comprises at least one visible character; after the first character sequence, the payment character sequence further includes a second demarcation character sequence including at least one visible character. By displaying the first split character sequence before the first character sequence and displaying the second split character sequence after the first character sequence, the speed and accuracy of the cash register device in recognizing the first character sequence are improved.

For example, as shown in fig. 13, the payment character sequence includes a first demarcation character sequence + a first character sequence + a second demarcation character sequence. Wherein, the second character sequence is marked with a letter, the first character sequence is '1227 STUA', the second character sequence is 'KA', and the second character sequence is marked with a letter.

For example, as shown in fig. 14, the payment character sequence includes a first demarcation character sequence + a carriage return line feed character + a first character sequence + a second character sequence + a carriage return line feed character + a second demarcation character sequence. In this case, the first character sequence is "1227 STUA", the second character sequence is "KA", and the second character sequence is "×".

In one possible implementation, the second sequence of demarcation characters is the same as the first sequence of demarcation characters. For example, as shown in fig. 14. By making the second demarcation character sequence the same as the first demarcation character sequence, the speed and accuracy of the cashier device in recognizing the first character sequence are improved.

Of course, the second delimiter character sequence may not be the same as the first delimiter character sequence. For example, as shown in fig. 15, the payment character sequence includes a first demarcation character sequence + a carriage return line feed character + a first character sequence + a second character sequence + a carriage return line feed character + a second demarcation character sequence. The first character sequence is "1227 STUA", the second character sequence is "KA", and the second character sequence is "×".

In fig. 9 to 15, the payment character sequence including the second character sequence is taken as an example. The payout character sequence in fig. 9 to 15 may not include the second character sequence.

In one possible implementation, the visible characters in the payment character sequence are visible ASCII characters. The visible ASCII characters are global common characters and by making the visible characters in the payment character sequence visible ASCII characters, the compatibility of the scheme can be increased.

For example, the visible characters in the payment character sequence are one or more of the visible ASCII characters shown in table 7.

TABLE 7

Character(s)

Description of the invention

Character(s)

Description of the invention

Character(s)

Description of the preferred embodiment

Character(s)

Description of the preferred embodiment

！

Exclamation mark

:

Colon

S

Capital letter S

l

Lower case letter l

"

Double quotation mark

；

Branch number

T

Capital letter T

m

Lower case letter m

#

Number of well

<

Less than number

U

Capital letter U

n

Lower case letter n

$

Dollar sign

＝

Equal sign

V

Capital letter V

o

Lower case letter o

％

Dial indicator

>

Greater than horn

W

Capital letter W

p

Lower case letter p

&

Hehao (Chinese character)

？

Question mark

X

Capital letter X

q

Lower case letter q

'

Closed single quotation mark

@

E-mail symbol

Y

Capital letter Y

r

Lower case letter r

(

Open bracket

A

Capital letter A

Z

Capital letter Z

s

Lower case letter s

)

Closed bracket

B

Capital letter B

[

Square bracket

t

Lower case letter t

*

Star sign

C

Capital letter C

\

Reverse slash

u

Lower case letter u

+

Plus sign

D

Capital letter D

]

Closed square bracket

v

Lower case letter v

,

Comma (comma)

E

Capital letter E

^

Character-off

w

Lower case letter w

-

Number reduction/dash sign

F

Capital F

_

Underlining

x

Lower case letter x

.

Full stop

G

Capital letter G

`

Single guide

y

Lower case letter y

/

Oblique bar

H

Capital letter H

a

Lower case letter a

z

Lower case letter z

0

Number 0

I

Capital letter I

b

Lower case letter b

{

Flowering bracket

1

Number 1

J

Capital letter J

c

Lower case letter c

|

Vertical line

2

Number 2

K

Capital letter K

d

Lower case letter d

}

Closed flower bracket

3

Number 3

L

Capital L

e

Lower case letter e

～

Wave sign

4

Number 4

M

Capital letter M

f

Lower case letter f

5

Number 5

N

Capital letter N

g

Lower case letter g

6

Number 6

O

Capital letter O

h

Lower case letter h

7

Number 7

P

Capital P

i

Lower case letter i

8

Number 8

Q

Capital letter Q

j

Lower case letter j

9

Number 9

R

Capital letter R

k

Lower case letter k

In another possible implementation, the visible characters in the payment character sequence are high-recognition ASCII characters. As described above, the characters in the payment character sequence are from a candidate character set preset by the payment platform; when all of the candidate character sets are visible ASCII characters and any two of the characters are not similar, a character selected from such a candidate character set is referred to as a high-recognition ASCII character, and such a candidate character set is referred to as a high-recognition candidate character set.

In one possible approach, the high recognition candidate character set includes characters selected from the visible character set shown in Table 7 that do not have similar characters within the scope of Table 7. For example, including a plurality of the following characters: A. d, E, G, H, L, N, Q, R, T, 3, 4, 5, 6, or 7.

Regarding the similar characters, explanation is as follows. If two characters are assumed to be the first character and the second character, respectively, if the first character and the second character are similar in appearance, or the first character is easily recognized as the second character during OCR recognition, or the second character is recognized as the first character, the two characters are said to be similar characters to each other, as shown in table 8, the characters in a similar character group are similar two by two. In the embodiment of the application, similar characters are prevented from being placed in the same candidate character set, and the accuracy of the payment character sequence recognized by the cash register device can be improved.

TABLE 8

In yet another possible approach, the high recognition candidate character set may also include characters selected from the visible character set shown in table 7 that have similar characters in the range of table 7, but no similar characters in the range of the high recognition candidate character set. This is advantageous for improving the accuracy with which the cashier device identifies visible characters in the sequence of payment characters. For example, the high-recognition candidate character set includes the number "0", excluding the lower case "O" and the upper case "O". The high recognition candidate character set includes the capital letter "B" and does not include the number "8". The high recognition candidate character set includes the upper case letter "C" and does not include the lower case letter "C".

The cash registering device may implement an error correction function if the high-recognition candidate character set includes characters having similar characters selected from the visible character set shown in table 7. For example, assume that the 16 high-recognition characters included in the high-recognition candidate character set are: "0127 ACFHJKLPSTUX". If the cashier device recognizes the capital letter "O" or the small letter "O", the recognized character is considered the number "0". If the cashier device recognizes the capital letter "I", the lower case letter "l", the vertical line "|", the open square bracket "[" or the closed square bracket "]", the recognized character is considered to be the number "1". If the cashier device recognizes the capital letter "Z" or the lowercase letter "Z", the recognized character is considered the number "2".

In yet another possible scenario, the high-recognition ASCII character set refers to a character set in which the correct recognition rate of the characters is greater than or equal to a preset threshold.

In yet another possible implementation, the visible characters in the payment character sequence are not lower case letters.

In yet another possible implementation, the visible characters in the payment character sequence may not be visible ASCII characters, for example, the visible characters in the payment character sequence may also be chinese characters, korean characters, japanese characters, and the like.

Therefore, based on the method described in fig. 4, the user can perform mobile payment only by displaying the payment character sequence displayed by the terminal device to scan the cash register device, and the payment convenience of the terminal device is improved.

Referring to fig. 16, fig. 16 is a schematic flowchart of another payment method according to an embodiment of the present application. As shown in fig. 16, the payment method includes the following steps 1601 to 1610. Wherein:

1601. the terminal device presents USSD menu items.

Wherein the USSD menu item is used to provide a payment function for the user. The terminal device may also display USSD menu items for implementing other functions.

1602. The terminal equipment responds to the selection operation of the USSD menu item, and sends a first request for requesting to provide the payment character sequence to the USSD gateway, wherein the first request contains the first identification of the user.

Specifically, the terminal device sends a first request for providing a payment character sequence to the USSD gateway in response to a selection operation of a USSD menu item for providing a payment function to the user. The selecting operation of the USSD menu item may be an input operation of a number of the USSD menu item by a user. Optionally, the first request may further include a number of a USSD menu item selected by the user to indicate the USSD menu item selected by the user. Optionally, the first identifier of the user may be an International Mobile Subscriber Identity (IMSI) of the user, or a session identifier between the terminal device and the USSD gateway.

For example, as shown in fig. 17, assume that the terminal device displays two USSD menu items, namely, a Balance Query (Query Balance) option and an Apply Quick Pay (Apply Quick Pay) option. The number corresponding to the balance inquiry option is 1, and the number corresponding to the request quick payment option is 2. The user can press the keyboard of the terminal device and enter the number "2". After detecting the user's input operation of number "2", the terminal device sends a first request for requesting to provide a payment character sequence to the USSD gateway, where the first request includes the IMSI of the user and number "2".

1603. And the USSD gateway responds to the first request and sends a second request to the payment platform, wherein the second request is used for requesting to provide a payment character sequence, the second request carries a second identification of the user, and the second identification is determined based on the first identification.

In the embodiment of the application, after receiving the first request, the USSD gateway determines a second identifier of the user based on the first identifier in the first request, and sends a second request carrying the second identifier to the payment platform. Optionally, the second request may further carry a number of a USSD menu item selected by the user, so as to indicate the USSD menu item selected by the user. Optionally, the second identifier may be a mobile phone number of the user. Alternatively, the second identifier may be other information that can determine the identity of the user's payment account.

1604. The payment platform generates a payment character sequence for the user in response to the second request.

In the embodiment of the application, after receiving the second request, the payment platform generates a payment character sequence for the user in response to the second request.

1605. And the payment platform establishes a corresponding relation between the identification of the payment account of the user and the first character sequence in the payment character sequence, and the identification of the payment account of the user is obtained based on the second identification of the user.

In the embodiment of the application, after receiving the second request, the payment platform determines the identifier of the payment account of the user based on the second identifier of the user. After determining the identification of the payment account of the user, the payment platform establishes a corresponding relation between the identification of the payment account of the user and a first character sequence in the payment character sequence. How the payment platform establishes the correspondence between the identifier of the payment account of the user and the first character sequence in the payment character sequence may refer to the description in the embodiment corresponding to fig. 4, which is not described herein again.

Alternatively, the identity of the user's payment account may be the same as the user's second identity. For example, the second identifier is a mobile phone number of the user, and the identifier of the payment account of the user is the mobile phone number of the user.

Alternatively, the identity of the user's payment account may be different from the user's second identity. The payment platform stores a correspondence between an identity of the user's payment account and a second identity of the user. The payment platform can determine the identity of the payment account of the user based on the correspondence and the second identity of the user. For example, the second identifier is a mobile phone number of the user, and the identifier of the payment account of the user is an account number of the instant messaging application. The payment platform stores the corresponding relation between the identification of the payment account of the user and the mobile phone number of the user in advance. The payment platform can determine the identification of the payment account of the user based on the mobile phone number of the user.

1606. And the payment platform sends the payment character sequence to the USSD gateway.

The specific implementation manners of step 1606 to step 1610 may refer to the specific implementation manners of step 401 to step 405 in the embodiment shown in fig. 4, which are not described herein again.

1607. The USSD gateway sends the payment character sequence to the terminal device of the user.

1608. The terminal device displays the payment character sequence for scanning by the cashier device.

1609. The cashier device scans the payment character sequence displayed by the terminal device of the user, and identifies the first character sequence in the payment character sequence to obtain a third character sequence.

1610. The cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence.

It can be seen that based on the method described in fig. 16, the terminal device can actively request the network side for the payment character sequence according to the user's requirement, and the terminal device can more flexibly acquire the payment character sequence. And the user triggers the terminal equipment to request the payment character sequence from the network side by selecting the USSD menu item in the USSD menu, so that the terminal equipment can be triggered to request the payment character sequence from the network side conveniently. After the payment character sequence is generated by the payment platform, the corresponding relation between the identification of the payment account of the user and the first character sequence in the payment character sequence is established, so that the payment account of the user can be indicated through the first character sequence.

Referring to fig. 18, fig. 18 is a schematic flowchart of another payment method according to an embodiment of the present application. As shown in fig. 18, the payment method includes the following steps 1801 to 1812. Wherein:

1801. the terminal device sends a third request to the USSD gateway in response to the key input operation, where the third request is used to request provision of the first USSD menu data.

Alternatively, the key input operation may be a dial operation. For example, after the terminal device detects a dialing operation of 188# by the user, the terminal device sends a third request to the USSD gateway. Alternatively, the terminal device may send the third request to the USSD gateway after detecting a dialing operation of the user to dial other characters and/or numbers.

1802. The USSD gateway sends first USSD menu data to the terminal equipment.

In this embodiment of the application, after receiving the third request, the USSD gateway sends the first USSD menu data to the terminal device. Alternatively, the step 1801 may not be executed, and the USSD gateway may actively send the first USSD menu data to the terminal device.

The first USSD menu data may be data stored locally by the USSD gateway. Alternatively, the USSD gateway may request the second USSD menu data from the payment platform, the USSD gateway obtaining the first USSD menu data based on the second USSD menu data requested from the payment platform. The latter can be referred to the description of the embodiment corresponding to fig. 19 below, and is not repeated herein.

In a possible implementation, the USSD gateway sends the first USSD menu data carried in the SMPP message to the terminal device.

1803. The terminal device displays a USSD menu based on the first USSD menu data, where the USSD menu includes USSD menu items.

In this embodiment, after receiving the first USSD menu data from the USSD gateway, the terminal device displays the USSD menu based on the first USSD menu data. The first USSD menu data may be HTML-formatted data or other formatted data.

For example, taking the first USSD menu data as HTML format data as an example, the following is an example of the first USSD menu data:

a USSD menu displayed by the terminal device based on the first USSD menu data may be as shown in fig. 17.

In a possible implementation, the terminal device may not perform step 1801 to step 1803, where the terminal device locally stores USSD menu data, and the terminal device may display the USSD menu based on the local USSD menu data.

1804. The terminal equipment responds to the selection operation of the USSD menu item, and sends a first request for requesting to provide the payment character sequence to the USSD gateway, wherein the first request contains the first identification of the user.

The specific implementation manners of steps 1804 to 1807 may refer to the specific implementation manners of steps 1602 to 1605, which are not described herein. For specific implementation manners of step 1808 to step 1812, reference may be made to the specific implementation manners of step 401 to step 405, which are not described herein again.

1805. And the USSD gateway responds to the first request and sends a second request to the payment platform, wherein the second request is used for requesting to provide a payment character sequence, the second request carries a second identification of the user, and the second identification is determined based on the first identification.

1806. The payment platform generates a payment character sequence for the user in response to the second request.

1807. And the payment platform establishes a corresponding relation between the identification of the payment account of the user and the first character sequence in the payment character sequence, and the identification of the payment account of the user is obtained based on the second identification of the user.

1808. And the payment platform sends the payment character sequence to the USSD gateway.

1809. The USSD gateway sends the payment character sequence to the terminal device of the user.

1810. The terminal device displays the payment character sequence for scanning by the cashier device.

1811. The cashier device scans the payment character sequence displayed by the terminal device of the user, and identifies the first character sequence in the payment character sequence to obtain a third character sequence.

1812. The cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence.

As can be seen, based on the method described in fig. 18, the terminal device can actively request the USSD gateway for the first USSD menu data according to the user requirement, and the terminal device can more flexibly obtain the first USSD menu data.

Referring to fig. 19, fig. 19 is a schematic flowchart of a payment method according to an embodiment of the present application. As shown in fig. 19, the payment method includes steps 1901 to 1914 as follows. Wherein:

1901. the terminal device sends a third request to the USSD gateway in response to the key input operation, where the third request is used to request provision of the first USSD menu data.

For a specific implementation manner of step 1901, reference may be made to the above-mentioned specific implementation manner of step 1801, which is not described herein again.

1902. The USSD gateway sends a fourth request to the payment platform requesting provision of second USSD menu data.

Step 1901 may be executed first, and then step 1902 and step 1903 are executed, that is, after the terminal device requests the USSD gateway to provide the first USSD menu data, the USSD gateway requests the payment platform to provide the second USSD menu data.

Alternatively, step 1902 and step 1903 may be performed first, and then step 1901 may be performed, that is, the USSD gateway may actively request the payment platform to provide the second USSD menu data. After the terminal device requests the USSD gateway to provide the first USSD menu data, the USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.

1903. And the payment platform sends second USSD menu data to the USSD gateway.

In this embodiment of the application, after receiving the fourth request, the payment platform sends the second USSD menu data to the USSD gateway.

1904. And the USSD gateway sends the first USSD menu data to the terminal equipment based on the second USSD menu data.

In this embodiment of the application, after receiving the third request and the second USSD menu data, the USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.

The second USSD menu data may be HTML-formatted data or other-formatted data. The first USSD menu data may be HTML formatted data or other formatted data.

The second USSD menu data and the first USSD menu data may be different. For example, an example of second USSD menu data is as follows:

an example of first USSD menu data is as follows:

since the terminal device may not be able to recognize the < a > tag, after receiving the second USSD menu data, the USSD gateway may remove "< a href ═ mobile, used, default ═ yes" > "in the second USSD menu data, so as to obtain the first USSD menu data. The USSD gateway sends the first USSD menu data to the terminal equipment, so that the terminal equipment can display the USSD menu based on the first USSD menu data.

Of course, the second USSD menu data and the first USSD menu data may also be the same. For example, since the terminal device cannot display the < a > tag, the second USSD menu data sent by the payment platform may not carry the < a > tag, so that the USSD gateway may directly send the second USSD menu data to the terminal device as the first USSD menu data.

1905. The terminal equipment displays a USSD menu based on the first USSD menu data, and the USSD menu comprises USSD menu items.

The specific implementation manner of step 1905 may refer to the specific implementation manner of step 1803, which is not described herein again.

1906. The terminal equipment responds to the selection operation of the USSD menu item, and sends a first request for requesting to provide the payment character sequence to the USSD gateway, wherein the first request contains the first identification of the user.

The specific implementation manners of step 1906 to step 1909 may refer to the specific implementation manners of step 1602 to step 1605, which are not described herein again. The specific implementation manners of step 1910 to step 1914 may refer to the specific implementation manners of step 401 to step 405, which are not described herein again.

1907. And the USSD gateway responds to the first request and sends a second request to the payment platform, wherein the second request is used for requesting to provide a payment character sequence, the second request carries a second identification of the user, and the second identification is determined based on the first identification.

1908. The payment platform generates a payment character sequence for the user in response to the second request.

1909. And the payment platform establishes a corresponding relation between the identification of the payment account of the user and the first character sequence in the payment character sequence, and the identification of the payment account of the user is obtained based on the second identification of the user.

1910. And the payment platform sends the payment character sequence to the USSD gateway.

1911. The USSD gateway sends the payment character sequence to the terminal device of the user.

1912. The terminal device displays the payment character sequence for scanning by the cashier device.

1913. The cashier device scans the payment character sequence displayed by the terminal device of the user, and identifies the first character sequence in the payment character sequence to obtain a third character sequence.

1914. The cashier device requests the payment platform to pay through the payment account of the user based on the third character sequence.

It can be seen that based on the method described in fig. 19, the payment platform can send the USSD menu to the USSD gateway, which facilitates flexible update of the USSD menu.

Referring to fig. 20, fig. 20 is a schematic flowchart of another payment method according to an embodiment of the present application. As shown in fig. 20, the payment method includes the following steps 2001 to 2018. Wherein:

2001. and the payment platform sends the payment character sequence to the USSD gateway.

2002. The USSD gateway sends the payment character sequence to the terminal device of the user.

2003. The terminal device displays the payment character sequence for scanning by the cashier device.

2004. The cashier device scans the payment character sequence displayed by the terminal device of the user, and identifies the first character sequence in the payment character sequence to obtain a third character sequence.

For specific implementation manners of step 2001 to step 2004, reference may be made to the specific implementation manners of step 401 to step 404, which are not described herein again.

2005. And the cashier equipment sends a payment request to the payment platform, wherein the payment request carries the third character sequence and the order information.

The order information may include, among other things, an identification of the payee's payment account and the order amount. The order information may also include an order number, payee name, transaction time or transaction description, etc.

2006. The payment platform determines an identification of the payment account of the user based on the third sequence of characters.

In the embodiment of the application, after the payment platform receives the payment request, the identifier of the payment account of the user is determined based on the third character sequence. For example, the first sequence of characters stored by the payment platform corresponds to the identity of the payment account as shown in table 2 above. Assuming that the third character sequence is "0127 STUX", the payment platform may determine that the user's payment account is identified as "15232204938" based on the correspondence shown in table 1 above.

2007. And the payment platform sends payment confirmation information to the USSD gateway, wherein the payment confirmation information comprises prompt information for prompting a user to input a payment password of the payment account.

In this embodiment of the application, after determining the identifier of the payment account of the user based on the third character sequence, the payment platform sends payment confirmation information to the USSD gateway.

Optionally, after the payment platform determines the identifier of the payment account of the user based on the third character sequence, the payment platform may determine the second identifier of the user based on the identifier of the payment account of the user, and send the second identifier of the user and the payment confirmation information to the USSD gateway, so that the USSD gateway can send the payment confirmation information to the terminal device of the user based on the second identifier of the user. Optionally, the second identifier of the user may be a mobile phone number of the user or other information capable of determining the terminal device of the user.

Alternatively, the identity of the user's payment account may be different from the user's second identity. The payment platform stores a correspondence between an identity of the user's payment account and a second identity of the user. The payment platform can determine the second identity of the user based on the correspondence and the identity of the payment account of the user. For example, the second identifier is a mobile phone number of the user, and the identifier of the payment account of the user is an account number of the instant messaging application. The payment platform stores the corresponding relation between the identification of the payment account of the user and the mobile phone number of the user in advance. The payment platform can determine the mobile phone number of the user based on the identification of the payment account of the user.

In one possible implementation, the payment confirmation information further includes order information. The order information is displayed on the terminal equipment, so that the user can conveniently confirm whether the paid order is correct or not. Some or all of the order information sent by the cash register device to the payment platform may be included in the payment confirmation information. For example, the payment confirmation information may include an order number, an order amount, a payee name, a transaction description, and the like.

In one possible implementation, when the amount of the order is greater than the preset amount, the payment platform sends payment confirmation information to the USSD gateway. Therefore, the user does not need to input the payment password every time, and the payment convenience is improved.

2008. The USSD gateway is based on sending the payment confirmation information to the terminal device.

In the embodiment of the application, after receiving payment confirmation information sent by the payment platform, the USSD gateway sends the payment confirmation information to the terminal device.

2009. The terminal device displays the payment confirmation information.

In the embodiment of the application, after the terminal device receives the payment confirmation information, the payment confirmation information is displayed. For example, the payment confirmation information displayed by the terminal device is as shown in fig. 21.

2010. The terminal equipment receives a payment password of a payment account input by a user.

In the embodiment of the application, after the terminal device displays the payment confirmation information, the payment password of the payment account input by the user can be received. For example, as shown in fig. 21, the user inputs a payment password of "213415" for the payment account through the keypad.

2011. And the terminal equipment sends the payment password of the payment account to the USSD gateway.

In the embodiment of the application, after receiving the payment password of the payment account input by the user, the terminal device sends the payment password of the payment account to the USSD gateway.

2012. And the USSD gateway sends the payment password of the payment account to the payment platform.

In the embodiment of the application, after receiving the payment password of the payment account sent by the terminal device, the USSD gateway sends the payment password of the payment account to the payment platform. Optionally, the USSD gateway may further send the second identifier of the user to the payment platform together with the payment password of the payment account. The payment platform may thus determine which user's payment account the received payment password is based on the user's second identification. For example, assuming that the identity of the user's payment account is the same as the user's second identity, and the user's second identity received by the payment platform is "15232204938," then the payment platform may determine that the payment password received is the password for the payment account identified by "15232204938.

2013. The payment platform successfully verifies the received payment password.

In the embodiment of the application, after the payment platform receives the payment password of the payment account of the user sent by the USSD gateway, the received payment password is verified. After the payment platform successfully verifies the received payment password, step 2014 is performed. After the payment platform fails to verify the received payment password, prompt information for prompting that the password is input incorrectly can be sent to the terminal equipment through the USSD gateway.

For example, the payment platform receives from the USSD gateway a payment password for the payment account identified by "15232204938" of "213415". The payment platform obtains a pre-stored payment password for the payment account identified by "15232204938". If the payment platform verifies that the pre-stored payment password for the payment account identified by "15232204938" is the same as "213415". Then the payment platform determines that the received payment password is verified. Otherwise, the payment platform determines that the received payment password is not verified.

2014. The payment platform makes a payment based on the order information and the payment account of the user.

For example, the order information includes an identification of the payee's payment account and an order amount of 10 dollars. The user's payment account is identified as "15232204938". The payment platform transfers 10 dollars from the payment account identified as "15232204938" to the payee's payment account.

2015. And the payment platform sends the payment result information of the user to the USSD gateway and the cash register device.

In the embodiment of the application, after the payment platform carries out payment based on the order information and the payment account of the user, the payment result information of the user is sent to the USSD gateway and the cash register device. If the payment platform succeeds in payment based on the order information and the payment account of the user, the payment result information indicates that the payment is successful. If the payment platform fails to pay based on the order information and the payment account of the user, the payment result information indicates that the payment fails.

2016. And the USSD gateway sends payment result information to the terminal equipment.

In the embodiment of the application, after receiving the payment result information, the USSD gateway sends the payment result information to the terminal device.

2017. And the terminal equipment displays the payment result information.

In the embodiment of the application, after the terminal equipment receives the payment result information, the payment result information is displayed. For example, as shown in fig. 21.

2018. The cash register device displays payment result information of the user.

In the embodiment of the application, after the cash register device receives the payment result information, the payment result information is displayed.

It can be seen that based on the method described in fig. 20, the user needs to input the payment password of the payment account in the terminal device to perform payment, which is beneficial to improving the security of payment. And the payment platform can push payment result information to the terminal equipment and the cash register equipment in time so that the user and the cashier can know the order payment result in time.

It should be noted that steps 1601 to 1605 shown in fig. 16 may be further performed before step 2001. Alternatively, step 1801 to step 1807 shown in fig. 18 may be executed before step 2001. Alternatively, step 1901 to step 1909 shown in fig. 19 may be executed before step 2001.

Referring to fig. 22, fig. 22 is a schematic structural diagram of a communication device according to an embodiment of the present application. The communication apparatus shown in fig. 22 may be configured to perform part or all of the functions of the terminal device in the method embodiments described in fig. 4, fig. 6, fig. 16, fig. 18, fig. 19, and fig. 20. The apparatus may be a terminal device, an apparatus in the terminal device, or an apparatus capable of being used in cooperation with the terminal device. Wherein, the communication device can also be a chip system. The communication apparatus shown in fig. 22 may include a communication unit 2201 and a processing unit 2202. Among them, the processing unit 2202 is used for performing data processing. The communication unit 2201 is integrated with a receiving unit and a transmitting unit. The communication unit 2201 may also be referred to as a transceiving unit. Alternatively, the communication unit 2201 may be divided into a receiving unit and a transmitting unit. The processing unit 2202 and the communication unit 2201 below are the same, and will not be described below. Wherein:

a communication unit 2201 configured to receive a payment character sequence from an unstructured supplementary service data, USSD, gateway; a processing unit 2202 for displaying a sequence of payment characters for scanning by a cashier device for payment by a payment account of a user; wherein the payment character sequence includes a first character sequence including a plurality of visible characters for indicating the payment account.

In a possible implementation, the processing unit 2202 is further configured to present USSD menu items; the communication unit 2201 is further configured to send, to the USSD gateway, a first request for providing a payment character sequence in response to a selection operation of the USSD menu item, the first request including a first identifier of the user.

In a possible implementation, the way that the processing unit 2202 presents the USSD menu item is specifically: receiving first USSD menu data from a USSD gateway; and displaying a USSD menu based on the first USSD menu data, wherein the USSD menu comprises USSD menu items.

In a possible implementation, the communication unit 2201 is further configured to send a third request to the USSD gateway in response to the key input operation, where the third request is used to request that the first USSD menu data be provided.

In one possible implementation, the payment character sequence further includes a second character sequence, the second character sequence including at least one visible character, the second character sequence being used to verify the first character sequence.

In one possible implementation, the payment character sequence further includes, prior to the first character sequence, a first demarcation character sequence including at least one visible character; and/or the presence of a gas in the gas,

after the first character sequence, the payment character sequence further includes a second demarcation character sequence including at least one visible character.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters.

In a possible implementation, the communication unit 2201 is further configured to receive payment confirmation information sent by the USSD gateway, where the payment confirmation information includes prompt information for prompting a user to input a payment password of a payment account; a processing unit 2202 also for displaying payment confirmation information; a communication unit 2201, further configured to receive a payment password of a payment account input by a user; the communication unit 2201 is further configured to send the payment password of the payment account to the USSD gateway.

In a possible implementation, the communication unit 2201 is further configured to receive payment result information of the user sent by the USSD gateway; and a processing unit 2202, configured to display payment result information.

Referring to fig. 22, fig. 22 is a schematic structural diagram of a communication device according to an embodiment of the present application. The communication device shown in fig. 22 may be used to perform part or all of the functions of the USSD gateway in the method embodiments described in fig. 4, 6, 16, 18, 19, and 20. The device may be a USSD gateway, or a device in the USSD gateway, or a device capable of being used with the USSD gateway. Wherein, the communication device can also be a chip system. The communication apparatus shown in fig. 22 may include a communication unit 2201 and a processing unit 2202. Wherein:

a communication unit 2201, configured to receive a payment character sequence sent by a payment platform; a communication unit 2201, further configured to transmit the payment character sequence to the terminal device of the user; the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating a payment account of a user, and the payment character sequence is used for being scanned by a cash register device after being displayed by a terminal device so as to pay through the payment account.

In one possible implementation, the USSD gateway receives a first request from the terminal device, the first request including a first identity of the user; and the USSD gateway responds to the first request and sends a second request to the payment platform, wherein the second request is used for requesting to provide a payment character sequence, the second request carries a second identification of the user, and the second identification is determined based on the first identification.

In a possible implementation, the USSD gateway sends first USSD menu data to the terminal device; the USSD menu includes a USSD menu item, and the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway.

In a possible implementation, the communication unit 2201 is further configured to receive a third request sent by the terminal device before sending the USSD menu data to the terminal device, where the third request is used to request to provide the first USSD menu data.

In a possible implementation, the communication unit 2201 is further configured to send a fourth request to the payment platform before sending the first USSD menu data to the terminal device, where the fourth request is used to request that the second USSD menu data be provided; receiving second USSD menu data sent by the payment platform; the way for the communication unit 2201 to send the first USSD menu data to the terminal device is specifically: and sending the first USSD menu data to the terminal equipment based on the second USSD menu data.

In one possible implementation, the communication unit 2201 is further configured to receive payment confirmation information sent by the payment platform after sending the payment character sequence to the terminal device of the user, where the payment confirmation information includes prompt information for prompting the user to input a payment password of the payment account; and sending payment confirmation information to the terminal device; receiving a payment password of the payment account sent by the terminal equipment; and sending the payment password of the payment account to the payment platform.

In a possible implementation, the communication unit 2201 is further configured to receive payment result information of the user sent by the payment platform after sending the payment character sequence to the terminal device of the user; and sending payment result information to the terminal device.

Referring to fig. 22, fig. 22 is a schematic structural diagram of a communication device according to an embodiment of the present application. The communication device shown in fig. 22 may be used to perform part or all of the functions of the payment platform in the method embodiments described in fig. 4, 6, 16, 18, 19, 20. The device can be a payment platform, a device in the payment platform or a device capable of being matched with the payment platform for use. Wherein, the communication device can also be a chip system. The communication apparatus shown in fig. 22 may include a communication unit 2201 and a processing unit 2202. Wherein:

a communication unit 2201, configured to send a payment character sequence to the unstructured supplementary service data USSD gateway; the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating a payment account of a user, and the payment character sequence is used for being scanned by a cash register device after being displayed by a terminal device of the user so as to pay through the payment account.

In a possible implementation, the communication unit 2201 is further configured to receive a second request sent by the USSD gateway, where the second request includes a second identifier of the user; a processing unit 2202, configured to generate a payment character sequence for the user in response to the second request, and establish a correspondence between an identification of the payment account and the first character sequence, the identification of the payment account being derived based on the second identification of the user.

In a possible implementation, the communication unit 2201 is further configured to, before receiving the second request sent by the USSD gateway, receive a fourth request sent by the USSD gateway, where the fourth request is used to request to provide second USSD menu data; and sending second USSD menu data to the USSD gateway; the second USSD menu data is used for sending first USSD menu data to the terminal equipment by the USSD gateway, the first USSD menu data is used for displaying a USSD menu by the terminal equipment, the USSD menu comprises a USSD menu item, the USSD menu item is used for triggering the terminal equipment to send a first request to the USSD gateway, and the first request is used for triggering the USSD gateway to send a second request to the payment platform.

In one possible implementation, the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used to check the first character sequence.

In one possible implementation, the payment character sequence further includes, prior to the first character sequence, a first demarcation character sequence, the first demarcation character sequence including at least one visible character; and/or the presence of a gas in the gas,

In one possible implementation, the first character sequence includes characters determined based on a mobile phone number of the user and/or a first time, and the first time is a generation time of the first character sequence.

In one possible implementation, the first sequence of characters includes random characters.

In one possible implementation, the binary number sequence corresponding to the second character sequence is composed of any one-bit binary number corresponding to each character in the first character sequence.

In a possible implementation, the communication unit 2201 is further configured to receive a payment request sent by the cash registering device after sending the payment character sequence to the unstructured supplementary service data USSD gateway, where the payment request carries order information and a third character sequence obtained by the cash registering device scanning the payment character sequence; the processing unit 2202 is further configured to determine an identity of the payment account of the user based on the third sequence of characters, and make a payment based on the order information and the identity of the payment account of the user.

In a possible implementation, the communication unit 2201 is further configured to send payment confirmation information to the USSD gateway before the processing unit 2202 makes a payment based on the order information and the identity of the payment account of the user, where the payment confirmation information includes prompt information for prompting the user to input a payment password of the payment account; the communication unit 2201 is further configured to receive a payment password of the payment account sent by the USSD gateway; a processing unit 2202, further configured to successfully verify the payment password of the payment account.

In a possible implementation, the communication unit 2201 is further configured to send payment result information of the user to the USSD gateway and the cash register device.

Referring to fig. 22, fig. 22 is a schematic structural diagram of a communication device according to an embodiment of the present application. The communication device shown in fig. 22 may be used to perform part or all of the functions of the cashier device in the method embodiments described in fig. 4, 6, 16, 18, 19, 20. The device may be a cash register, a device in a cash register, or a device that can be used in conjunction with a cash register. Wherein, the communication device can also be a chip system. The communication apparatus shown in fig. 22 may include a communication unit 2201 and a processing unit 2202. Wherein:

a processing unit 2202, configured to scan a payment character sequence displayed by a terminal device of a user, and identify a first character sequence in the payment character sequence to obtain a third character sequence; a communication unit 2201 for requesting the payment platform to make a payment through the user's payment account based on the third character sequence; wherein the first sequence of characters includes a plurality of visible characters generated by the payment platform for indicating the payment account.

In one possible implementation, the payment character sequence further includes a second character sequence, the second character sequence including at least one visible character, the second character sequence being used for checking the first character sequence; a processing unit 2202, configured to, before the communication unit 2201 requests the payment platform to pay through the payment account of the user based on the third character sequence, identify a second character sequence in the payment character sequence to obtain a fourth character sequence; and checking the third character sequence based on the fourth character sequence, wherein the checking result is that the third character sequence passes.

In a possible implementation, the processing unit 2202 is further configured to prompt a location of a character in the third character sequence that identifies an error in case the check result is a fail.

In a possible implementation, the way that the processing unit 2202 identifies the first character sequence in the payment character sequence to obtain the third character sequence is specifically: identifying a first character sequence in the payment character sequence to obtain a fifth character sequence; and replacing at least one character in the fifth character sequence with a preset similar character to obtain a third character sequence.

In a possible implementation, the manner that the communication unit 2201 requests the payment platform to pay through the payment account of the user based on the third character sequence is specifically: and sending a payment request to the payment platform, wherein the payment request carries the order information and the third character sequence.

In a possible implementation, the communication unit 2201 is further configured to receive, by the cash register device, payment result information of the user sent by the payment platform; and a processing unit 2202, configured to display payment result information of the user.

Fig. 23 shows a communication apparatus 230 according to an embodiment of the present application, configured to implement the functions of the terminal devices in fig. 4, fig. 6, fig. 16, fig. 18, fig. 19, and fig. 20. The apparatus may be a terminal device or an apparatus for a terminal device. The means for the terminal device may be a system of chips or a chip within the terminal device. The chip system may be composed of a chip, or may include a chip and other discrete devices.

Alternatively, the communication device 230 is configured to implement the functions of the USSD gateway in fig. 4, 6, 16, 18, 19, and 20. The apparatus may be a USSD gateway or an apparatus for a USSD gateway. The means for the USSD gateway may be a system-on-chip or a chip within the USSD gateway.

Or, the communication device 230 is configured to implement the functions of the payment platform in fig. 4, 6, 16, 18, 19, and 20. The apparatus may be a payment platform or an apparatus for a payment platform. The means for the payment platform may be a chip system or chip within the payment platform.

Alternatively, the communication device 230 is used to implement the functions of the cash register apparatus in fig. 4, 6, 16, 18, 19, and 20. The apparatus may be a cash register device or an apparatus for a cash register device. The means for the cashier device may be a chip system or chip within the cashier device.

The communication device 230 includes at least one processor 2320, configured to implement a data processing function of a terminal device, a USSD gateway, a payment platform, or a cash register in the method provided in the embodiment of the present application. The apparatus 230 may further include a communication interface 2310, configured to implement transceiving operations of a terminal device, a USSD gateway, a payment platform, or a cash register device in the method provided in the embodiment of the present application. In embodiments of the present application, the communication interface may be a transceiver, circuit, bus, module, or other type of communication interface for communicating with other devices over a transmission medium. For example, communication interface 2310 enables ones of apparatus 230 to communicate with other devices. The processor 2320 transmits and receives data using the communication interface 2310 and is used for implementing the methods described in the above method embodiments of fig. 4, 6, 16, 18, 19 and 20.

The apparatus 230 may also include at least one memory 2330 to store program instructions and/or data. A memory 2330 is coupled to the processor 2320. The coupling in the embodiments of the present application is an indirect coupling or a communication connection between devices, units or modules, and may be an electrical, mechanical or other form for information interaction between the devices, units or modules. The processor 2320 may operate in conjunction with the memory 2330. Processor 2320 may execute program instructions stored in memory 2330. At least one of the at least one memory may be included in the processor.

The embodiment of the present invention is not limited to the specific connection medium among the communication interface 2310, the processor 2320 and the memory 2330. In fig. 23, the memory 2330, the processor 2320 and the communication interface 2310 are connected through a bus 2340, the bus is indicated by a thick line in fig. 23, and the connection manner between the other components is only schematically illustrated and not limited. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 23, but it is not intended that there be only one bus or one type of bus.

When the apparatus 230 is specifically an apparatus for a terminal device, or a USSD gateway, or a payment platform, or a cash register, for example, when the apparatus 230 is specifically a chip or a chip system, the output or the reception of the communication interface 2310 may be a baseband signal. When the apparatus 230 is specifically a terminal device or an access network device, the communication interface 2310 may output or receive radio frequency signals. In the embodiments of the present application, the processor may be a general-purpose processor, a digital signal processor, an application specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component, and may implement or execute the methods, operations, and logic blocks disclosed in the embodiments of the present application. A general purpose processor may be a microprocessor or any conventional processor or the like. The operations of the methods disclosed in connection with the embodiments of the present application may be directly performed by a hardware processor, or may be performed by a combination of hardware and software modules in a processor.

Embodiments of the present application further provide a computer-readable storage medium, in which instructions are stored, and when the computer-readable storage medium is executed on a processor, the method flow of the above method embodiments is implemented.

Embodiments of the present application further provide a computer program product, where when the computer program product runs on a processor, the method flow of the foregoing method embodiments is implemented.

It is noted that, for simplicity of explanation, the foregoing method embodiments are described as a series of acts or combination of acts, but those skilled in the art will appreciate that the present application is not limited by the order of acts, as some acts may, in accordance with the present application, occur in other orders and/or concurrently. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

The descriptions of the embodiments provided in the present application may be referred to each other, and the descriptions of the embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments. For convenience and brevity of description, for example, the functions and operations performed by the devices and apparatuses provided in the embodiments of the present application may refer to the related descriptions of the method embodiments of the present application, and may also be referred to, combined with or cited among the method embodiments and the device embodiments.

Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method of payment, the method comprising:

the method comprises the steps that terminal equipment of a user receives a payment character sequence from an Unstructured Supplementary Service Data (USSD) gateway;

the terminal device displays the payment character sequence for scanning by a cash register device so as to pay through a payment account of the user;

wherein the payment character sequence comprises a first character sequence comprising a plurality of visible characters for indicating the payment account.

2. The method of claim 1, wherein prior to the terminal device receiving the payment character sequence from the USSD gateway, the method further comprises:

the terminal equipment presents USSD menu items;

and the terminal equipment responds to the selection operation of the USSD menu item and sends a first request for requesting to provide the payment character sequence to the USSD gateway, wherein the first request comprises a first identifier of the user.

3. The method of claim 2, wherein the terminal device presenting the USSD menu item comprises:

the terminal equipment receives first USSD menu data from the USSD gateway;

and the terminal equipment displays a USSD menu based on the first USSD menu data, wherein the USSD menu comprises the USSD menu item.

4. The method of claim 3, wherein prior to the terminal device receiving USSD menu data from the USSD gateway, the method further comprises:

and the terminal equipment responds to the key input operation and sends a third request to the USSD gateway, wherein the third request is used for requesting to provide the first USSD menu data.

5. The method according to any one of claims 1-4, wherein the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used for checking the first character sequence.

6. The method according to any one of claims 1 to 5,

prior to the first sequence of characters, the payment sequence of characters further comprises a first sequence of demarcation characters comprising at least one visible character; and/or the presence of a gas in the atmosphere,

after the first sequence of characters, the payment sequence of characters further includes a second sequence of demarcation characters that includes at least one visible character.

7. The method of any one of claims 1-6, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

8. The method according to any one of claims 1 to 6, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters.

9. The method according to any one of claims 1 to 8, wherein after the terminal device displays the payment character sequence for scanning by a cash register device, the method further comprises:

the terminal equipment receives payment confirmation information sent by the USSD gateway, wherein the payment confirmation information comprises prompt information used for prompting a user to input a payment password of the payment account;

the terminal equipment displays the payment confirmation information;

the terminal equipment receives a payment password of the payment account input by a user;

and the terminal equipment sends the payment password of the payment account to the USSD gateway.

10. The method of claim 9, wherein the payment confirmation information further comprises order information of the user.

11. The method according to any one of claims 1 to 10, wherein after the terminal device displays the payment character sequence for scanning by a cash register device, the method further comprises:

the terminal equipment receives payment result information of the user, which is sent by the USSD gateway;

and the terminal equipment displays the payment result information.

12. A method of payment, the method comprising:

receiving a payment character sequence sent by a payment platform by an Unstructured Supplementary Service Data (USSD) gateway;

the USSD gateway sends the payment character sequence to terminal equipment of a user;

the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating the payment account of the user, and the payment character sequence is used for being scanned by a cash register device after being displayed by the terminal device so as to pay through the payment account.

13. The method of claim 12, wherein before the USSD gateway receives the payment character sequence sent by the payment platform, the method further comprises:

the USSD gateway receives a first request from the terminal equipment, wherein the first request contains a first identification of the user;

and the USSD gateway responds to the first request, and sends a second request to the payment platform, wherein the second request is used for requesting to provide the payment character sequence, the second request carries a second identifier of the user, and the second identifier is determined based on the first identifier.

14. The method of claim 13, further comprising:

the USSD gateway sends first USSD menu data to the terminal equipment;

the first USSD menu data is used for the terminal device to display a USSD menu, where the USSD menu includes a USSD menu item, and the USSD menu item is used to trigger the terminal device to send the first request to the USSD gateway.

15. The method of claim 14, wherein before the USSD gateway sends USSD menu data to the terminal device, the method further comprises:

and the USSD gateway receives a third request sent by the terminal equipment, wherein the third request is used for requesting to provide the first USSD menu data.

16. A method according to claim 14 or 15, wherein before the USSD gateway sends the first USSD menu data to the terminal device, the method further comprises:

the USSD gateway sends a fourth request to the payment platform, wherein the fourth request is used for requesting to provide second USSD menu data;

the USSD gateway receives the second USSD menu data sent by the payment platform;

the USSD gateway sending first USSD menu data to the terminal device, including:

and the USSD gateway sends first USSD menu data to the terminal equipment based on the second USSD menu data.

17. The method of any one of claims 12-16, wherein the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used to verify the first character sequence.

18. The method according to any one of claims 12 to 17,

prior to the first sequence of characters, the sequence of payment characters further comprises a first sequence of demarcation characters comprising at least one visible character; and/or the presence of a gas in the gas,

19. The method of any one of claims 12-18, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

20. The method of any one of claims 12-18, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters.

21. A method according to any of claims 12 to 20, wherein after the USSD gateway sends the payment character sequence to a terminal device of a user, the method further comprises:

the USSD gateway receives payment confirmation information sent by the payment platform, wherein the payment confirmation information comprises prompt information used for prompting a user to input a payment password of the payment account;

the USSD gateway sends the payment confirmation information to the terminal equipment;

the USSD gateway receives a payment password of the payment account sent by the terminal equipment;

and the USSD gateway sends the payment password of the payment account to the payment platform.

22. The method of claim 21, wherein the payment confirmation information further comprises order information of the user.

23. A method according to any of claims 12 to 22, wherein after the USSD gateway sends the payment character sequence to a terminal device of a user, the method further comprises:

the USSD gateway receives payment result information of the user sent by the payment platform;

and the USSD gateway sends the payment result information to the terminal equipment.

24. A method of payment, the method comprising:

the payment platform sends a payment character sequence to the unstructured supplementary service data USSD gateway;

the payment character sequence comprises a first character sequence, the first character sequence comprises a plurality of visible characters used for indicating a payment account of a user, and the payment character sequence is used for being scanned by a cash register device after being displayed by a terminal device of the user so as to pay through the payment account.

25. The method of claim 24, further comprising:

the payment platform receives a second request sent by the USSD gateway, wherein the second request contains a second identifier of the user;

the payment platform generates the payment character sequence for the user in response to the second request;

the payment platform establishes a corresponding relation between the identification of the payment account and the first character sequence, and the identification of the payment account is obtained based on the second identification of the user.

26. The method of claim 25, wherein before the payment platform receives the second request sent by the USSD gateway, the method further comprises:

the payment platform receives a fourth request sent by the USSD gateway, wherein the fourth request is used for requesting to provide second USSD menu data;

the payment platform sends the second USSD menu data to the USSD gateway;

the second USSD menu data is used for the USSD gateway to send first USSD menu data to the terminal device, where the first USSD menu data is used for the terminal device to display a USSD menu, the USSD menu includes a USSD menu item, the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway, and the first request is used to trigger the USSD gateway to send the second request to the payment platform.

27. The method of any one of claims 24 to 26, wherein the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used to verify the first character sequence.

28. The method according to any one of claims 24 to 27,

prior to the first sequence of characters, the payment sequence of characters further comprises a first sequence of demarcation characters comprising at least one visible character; and/or the presence of a gas in the gas,

29. The method of any one of claims 24 to 28, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

30. The method of any one of claims 24 to 28, wherein the visible characters in the sequence of payout characters are high-recognition American Standard Code for Information Interchange (ASCII) characters.

31. The method according to any one of claims 24 to 30, wherein the first character sequence comprises characters determined based on a mobile phone number of the user and/or a first time, wherein the first time is a generation time of the first character sequence.

32. The method of any one of claims 24 to 31, wherein the first sequence of characters comprises random characters.

33. The method of claim 27, wherein the binary number sequence corresponding to the second character sequence is composed of any one-bit binary number corresponding to each character in the first character sequence.

34. The method of any of claims 24 to 33, wherein after the payment platform sends the payment character sequence to an unstructured supplementary service data, USSD, gateway, the method further comprises:

the payment platform receives a payment request sent by the cash register device, wherein the payment request carries order information and a third character sequence obtained by scanning the payment character sequence by the cash register device;

the payment platform determining an identification of a payment account of the user based on the third sequence of characters;

and the payment platform carries out payment based on the order information and the identification of the payment account of the user.

35. The method of claim 34, wherein prior to the payment platform making a payment based on the order information and an identification of the user's payment account, the method further comprises:

the payment platform sends payment confirmation information to the USSD gateway, wherein the payment confirmation information comprises prompt information for prompting a user to input a payment password of the payment account;

the payment platform receives a payment password of the payment account sent by the USSD gateway;

and the payment platform successfully verifies the payment password of the payment account.

36. The method of claim 35, wherein the payment confirmation information carries the order information.

37. The method of any one of claims 34 to 36, further comprising:

and the payment platform sends the payment result information of the user to the USSD gateway and the cash register device.

38. A method of payment, the method comprising:

the method comprises the steps that a cashier device scans a payment character sequence displayed by a terminal device of a user, and a first character sequence in the payment character sequence is identified to obtain a third character sequence;

the cash register device requests a payment platform to pay through the payment account of the user based on the third character sequence;

wherein the first sequence of characters comprises a plurality of visible characters generated by the payment platform for indicating the payment account.

39. The method of claim 38, wherein the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used to verify the first character sequence; before the cashier device requests a payment platform to pay through the user's payment account based on the third sequence of characters, the method further comprises:

the cash register device identifies a second character sequence in the payment character sequence to obtain a fourth character sequence;

and the cash register device checks the third character sequence based on the fourth character sequence, and the check result is that the third character sequence passes.

40. The method of claim 39,

in the case that the verification result is not passed, the method further includes: and the cash register equipment prompts the position of the character with the error in the third character sequence.

41. The method of any of claims 38-40, wherein the payment character sequence further comprises a first demarcation character sequence prior to the first character sequence, the first demarcation character sequence comprising at least one visible character; and/or the presence of a gas in the gas,

42. The method of any one of claims 38 to 41, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

43. The method of any one of claims 38 to 41, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters.

44. The method of any one of claims 38-43, wherein identifying the first character sequence in the payment character sequence results in a third character sequence, comprising:

identifying a first character sequence in the payment character sequence to obtain a fifth character sequence;

and replacing at least one character in the fifth character sequence with a preset similar character to obtain a third character sequence.

45. The method of any one of claims 38 to 44, wherein the cashier device requests a payment platform to pay through the payment account of the user based on the third character sequence, comprising:

and the cashier equipment sends a payment request to the payment platform, wherein the payment request carries order information and a third character sequence.

46. The method of any one of claims 38 to 45, further comprising:

the cashier device receives payment result information of the user sent by the payment platform;

the cash register device displays payment result information of the user.

47. A payment system, the payment system comprising: payment platform, unstructured supplementary service data USSD gateway, user's terminal equipment and cashier's equipment, wherein:

the payment platform is used for sending a payment character sequence to the USSD gateway;

the USSD gateway is configured to send the payment character sequence to the terminal device;

the terminal device is used for displaying the payment character sequence for scanning by a cash register device;

the cash register device is used for scanning a payment character sequence displayed by a terminal device of a user, and identifying a first character sequence in the payment character sequence to obtain a third character sequence; requesting a payment platform to pay through the user's payment account based on the third sequence of characters;

48. The system of claim 47,

the terminal equipment is also used for presenting USSD menu items; responding to the selection operation of the USSD menu item, and sending a first request for requesting to provide the payment character sequence to the USSD gateway, wherein the first request contains a first identification of the user;

the USSD gateway is further configured to send, in response to the first request, a second request to the payment platform, where the second request is used to request provision of the payment character sequence, and the second request carries a second identifier of the user, and the second identifier is determined based on the first identifier;

the payment platform is further used for responding to the second request and generating the payment character sequence for the user; and establishing a corresponding relation between the identification of the payment account and the first character sequence, wherein the identification of the payment account is obtained based on the second identification of the user.

49. The system of claim 48 wherein the terminal device presents USSD menu items comprising:

the terminal equipment receives first USSD menu data from the USSD gateway;

50. The system of claim 49,

the terminal device is further configured to send a third request to the USSD gateway in response to a key input operation before receiving USSD menu data from the USSD gateway, where the third request is used to request provision of the first USSD menu data.

51. The system of any one of claims 47 to 50, wherein the payment character sequence further comprises a second character sequence, the second character sequence comprising at least one visible character, the second character sequence being used to verify the first character sequence;

the cash register device is further used for identifying a second character sequence in the payment character sequence to obtain a fourth character sequence before requesting a payment platform to pay through the payment account of the user based on the third character sequence; and checking the third character sequence based on the fourth character sequence, wherein the checking result is that the third character sequence passes.

52. The system of claim 51,

the cash register device is further configured to prompt a position of a character identified as an error in the third character sequence when the verification result is that the character passes the verification result.

53. The system of any one of claims 47 to 52,

54. The system of any one of claims 47 to 53, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange (ASCII) characters.

55. The system of any one of claims 47 to 53, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange (ASCII) characters.

56. A communication device comprising means for implementing the method of any one of claims 1 to 11, or comprising means for implementing the method of any one of claims 12 to 23, or comprising means for implementing the method of any one of claims 24 to 37, or comprising means for implementing the method of any one of claims 38 to 46.

57. A communications device comprising a processor, the processor when executing a computer program in a memory being arranged to perform a method according to any one of claims 1 to 11, or a method according to any one of claims 12 to 23, or a method according to any one of claims 24 to 37, or a method according to any one of claims 38 to 46.

58. A communication device comprising a processor and a memory;

the memory is used for storing computer execution instructions;

the processor is configured to execute computer-executable instructions stored by the memory to cause the communication device to perform the method of any one of claims 1 to 11, or to cause the communication device to perform the method of any one of claims 12 to 23, or to cause the communication device to perform the method of any one of claims 24 to 37, or to cause the communication device to perform the method of any one of claims 38 to 46.

59. A communication device comprising a processor, a memory, and a transceiver;

the transceiver is used for receiving signals or sending signals;

the memory for storing a computer program;

the processor, for calling the computer program from the memory to execute the method of any one of claims 1 to 11, or for calling the computer program from the memory to execute the method of any one of claims 12 to 23, or for calling the computer program from the memory to execute the method of any one of claims 24 to 37, or for calling the computer program from the memory to execute the method of any one of claims 38 to 46.

60. A communication device comprising a processor and a communication interface;

the communication interface is used for communicating with other communication devices; the processor is configured to run a program to cause the communication device to implement the method of any one of claims 1 to 11, or to cause the communication device to implement the method of any one of claims 12 to 23, or to cause the communication device to implement the method of any one of claims 24 to 37, or to cause the communication device to implement the method of any one of claims 38 to 46.

61. A computer readable storage medium having computer readable instructions stored thereon which, when run on a communications device, cause the communications device to perform a method as claimed in any one of claims 1 to 11, or cause the communications device to perform a method as claimed in any one of claims 12 to 23, or cause the communications device to perform a method as claimed in any one of claims 24 to 37, or cause the communications device to perform a method as claimed in any one of claims 38 to 46.