CN117291587A - Mobile payment method and equipment thereof - Google Patents
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- 238000004806 packaging method and process Methods 0.000 claims abstract description 6
- 238000010586 diagram Methods 0.000 description 7
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- 230000002776 aggregation Effects 0.000 description 4
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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Abstract
The invention relates to a mobile payment method and equipment thereof, which comprises the following steps: acquiring a commodity catalog or payment transaction amount, wherein the commodity catalog comprises commodity information of a plurality of commodities, and the commodity information comprises commodity prices; when the commodity information of one or more commodities in the commodity catalogue is scanned, digital images of the commodity information of the commodities are obtained, and the digital images are identified to obtain commodity prices of the commodities; the commodity prices of all commodities are summed up to obtain transaction payment amount; when the payment transaction amount is scanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom; scanning payment information provided by a client, packaging the payment information, uploading a payment platform corresponding to the client, and executing payment operation through the payment platform to complete mobile payment; according to the technical scheme, an ERP system is not required to be established, the transaction payment amount is not required to be manually input, and the risk of wrong transaction payment amount is avoided.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to a mobile payment method and equipment thereof.
Background
Along with the daily use of mobile payment transaction behaviors, in order to expand the code scanning payment function, a merchant connects a scanning device to a terminal of an ERP (Enterprise Resource Planning ) system, scans and decodes a bar code or a two-dimensional code, rapidly obtains information of commodities and transaction payment amount, and realizes transaction payment in a payment docking mode through the ERP system.
The existing payment docking modes comprise traditional bank-enterprise direct connection and third party payment. The traditional bank-enterprise direct connection and the third party payment, namely the bank or the third party payment are interconnected with the merchant, the ERP system of the merchant and each bank or the third party payment are required to be independently developed through the interfaces, the channels of the merchant and the bank or the third party payment are built through the interfaces, the transaction amount is transferred to the payment module of the bank or the third party payment through the interfaces, the transaction payment is realized, the interface development and the butt joint are required to be improved, the implementation period is longer, and the overall input cost is very high. A large number of small and medium merchants (such as small micro-merchants and individual industrial merchants) cannot bear the input cost of the docking of the ERP system, the ERP system and the payment are two independent systems, transaction amount is required to be input into a payment terminal independently to complete payment transaction, and transaction information is input into the ERP system. The whole procedure is very cumbersome and error-prone.
For this reason, many small and medium merchants paste the cash register of a third party (such as WeChat or payment treasury) on a booth or at a cash register of a shop, and use the transfer or cash register function of the third party to transfer the transaction payment amount of the small and medium merchants to the account of the small and medium merchant operator through the cash register of the third party, but the following disadvantages exist: if the operator has a plurality of shops, the transaction payment amount of which shop cannot be distinguished; secondly, the customer needs to sweep the cash register of the third party of the operator, and the payment amount of the transaction is manually input by the customer, so that the payment is very complicated for the customer; thirdly, the transaction payment amount received by the account of the operator is input by the customer manually, and the risk of wrong input of the transaction payment amount exists; related code scanning or card scanning payment devices such as code scanning payment boxes, POS machines and the like are also provided in the market, but transaction payment amounts received by operators are manually input by operators, and the risk of wrong input of the transaction payment amounts exists.
Disclosure of Invention
Therefore, it is desirable to provide a mobile payment method that does not require manual input of a transaction payment amount to solve the problems of a transaction payment amount input error and slow transaction amount input.
To achieve the above object, the present inventors provide a mobile payment method comprising the steps of:
acquiring a commodity catalog or payment transaction amount, wherein the commodity catalog comprises commodity information of a plurality of commodities, and the commodity information comprises commodity prices;
when the commodity information of one or more commodities in the commodity catalogue is scanned, digital images of the commodity information of the commodities are obtained, and the digital images are identified to obtain commodity prices of the commodities;
the commodity prices of all commodities are summed up to obtain transaction payment amount;
when the payment transaction amount is scanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom;
and scanning the payment information provided by the client, packaging the payment information to form a payment message, uploading the payment message to a payment platform corresponding to the client, and executing the payment operation through the payment platform to finish mobile payment.
Further, the commodity information further comprises a commodity name;
scanning commodity information of one or more commodities in a commodity catalog, acquiring a digital image of commodity information of the commodity, and identifying the digital image to acquire commodity names and commodity prices of the commodity;
and adding up commodity prices of all commodities to obtain transaction payment amount, and generating a transaction bill.
Further, after the transaction payment amount is obtained, the method comprises the following steps of:
checking whether the transaction payment amount is correct;
if the payment information is correct, scanning the payment information of the customer;
otherwise, the payment amount of the current transaction is withdrawn, commodity prices of all commodities are withdrawn, commodity information of one or more commodities is scanned again, digital images of commodity information of the commodities are obtained, and the digital images are identified, so that commodity prices of the commodities are obtained from the digital images; the commodity prices of all commodities are summed up to obtain transaction payment amount;
or the current transaction payment amount is cancelled, the commodity price of partial commodities is cancelled or/and the commodity price of the commodity is added, and the commodity price of the related commodity is re-aggregated to obtain the transaction payment amount;
or the payment amount of the current transaction is withdrawn, and when the payment transaction amount is rescanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom.
Further, the method also comprises the steps of acquiring current geographic position information and associating the geographic position information with the transaction bill.
Further, after the mobile payment is completed, the contents in the transaction bill are recorded and classified, and the statistics are in a transaction data table.
Further, the transaction data table comprises payment date, commodity name, commodity quantity, commodity price and commodity inventory.
The mobile payment equipment comprises a first scanning module and a payment module, wherein the mobile payment method is applied to the mobile payment equipment;
the first scanning module is used for scanning commodity information of one or more commodities in the commodity catalogue, acquiring digital images of commodity information of the commodities, and identifying the digital images to acquire commodity prices of the commodities; or scanning the payment transaction amount, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
the payment module or the first scanning module is used for summing up commodity prices of all commodities to obtain transaction payment amount;
the first scanning module is used for scanning the payment information of the client, packaging the information to form a payment message, uploading the payment message to a payment platform corresponding to the client, and executing the payment operation through the payment platform to finish mobile payment.
Further, the device also comprises a third scanning module, wherein the third scanning module is used for scanning the coded information.
Further, the system also comprises a voice broadcasting module, wherein the voice broadcasting module broadcasts the transaction payment amount and/or the payment transaction result.
Further, the system also comprises a display module, wherein the display module displays the transaction bill, the transaction payment amount and/or the transaction payment result.
Different from the prior art, the technical scheme directly scans commodity catalogues or payment transaction amounts, acquires corresponding digital images, and identifies the digital images to acquire transaction payment amounts therefrom; the method has the advantages that an ERP system is not required to be built, payment information provided by a client is directly scanned, the payment information is packaged to form a payment message, a payment platform corresponding to the client is arranged, payment operation is carried out through the payment platform, mobile payment is completed, the risk of wrong transaction payment amount is avoided, the transaction time is reduced, the payment process is simple, the payment platform can be selected according to the payment information provided by the client, and a richer payment mode and reliable service guarantee are provided.
Drawings
FIG. 1 is a flow chart of a mobile payment method according to the present embodiment;
FIG. 2 is a diagram of a scanned inventory of a mobile payment method according to the present embodiment;
FIG. 3 is a diagram of a scanning payment transaction amount of a mobile payment method according to the present embodiment;
fig. 4 is a schematic diagram of a mobile payment device module structure according to the present embodiment;
fig. 5 is a schematic diagram of a mobile payment device module structure according to the present embodiment;
fig. 6 is a schematic diagram of a mobile payment device module structure according to the present embodiment;
fig. 7 is a schematic diagram of a mobile payment device module structure according to the present embodiment;
fig. 8 is a schematic diagram of a mobile payment device module structure according to the present embodiment.
Reference numerals illustrate:
10. a first scanning module;
20. a payment module;
30. a summation module;
40. a second scanning module;
50. a third scanning module;
60. a voice broadcasting module;
70. and a display module.
Detailed Description
In order to describe the possible application scenarios, technical principles, practical embodiments, and the like of the present application in detail, the following description is made with reference to the specific embodiments and the accompanying drawings. The embodiments described herein are only used to more clearly illustrate the technical solutions of the present application, and are therefore only used as examples and are not intended to limit the scope of protection of the present application.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of the phrase "in various places in the specification are not necessarily all referring to the same embodiment, nor are they particularly limited to independence or relevance from other embodiments. In principle, in the present application, as long as there is no technical contradiction or conflict, the technical features mentioned in the embodiments may be combined in any manner to form a corresponding implementable technical solution.
Unless defined otherwise, technical terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present application pertains; the use of related terms herein is for the description of specific embodiments only and is not intended to limit the present application.
In the description of the present application, the term "and/or" is a representation for describing a logical relationship between objects, which means that there may be three relationships, e.g., a and/or B, representing: there are three cases, a, B, and both a and B. In addition, the character "/" herein generally indicates that the front-to-back associated object is an "or" logical relationship.
In this application, terms such as "first" and "second" are used merely to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual number, order, or sequence of such entities or operations.
Without further limitation, the use of the terms "comprising," "including," "having," or other like terms in this application is intended to cover a non-exclusive inclusion, such that a process, method, or article of manufacture that comprises a list of elements does not include additional elements but may include other elements not expressly listed or inherent to such process, method, or article of manufacture.
As in the understanding of the "examination guideline," the expressions "greater than", "less than", "exceeding", and the like are understood to exclude the present number in this application; the expressions "above", "below", "within" and the like are understood to include this number. Furthermore, in the description of the embodiments of the present application, the meaning of "a plurality of" is two or more (including two), and similarly, the expression "a plurality of" is also to be understood as such, for example, "a plurality of groups", "a plurality of" and the like, unless specifically defined otherwise.
In the description of the embodiments of the present application, spatially relative terms such as "center," "longitudinal," "transverse," "length," "width," "thickness," "up," "down," "front," "back," "left," "right," "vertical," "horizontal," "vertical," "top," "bottom," "inner," "outer," "clockwise," "counter-clockwise," "axial," "radial," "circumferential," etc., are used herein as terms of orientation or positional relationship based on the specific embodiments or figures, and are merely for convenience of description of the specific embodiments of the present application or ease of understanding of the reader, and do not indicate or imply that the devices or components referred to must have a particular position, a particular orientation, or be configured or operated in a particular orientation, and therefore are not to be construed as limiting of the embodiments of the present application.
Unless specifically stated or limited otherwise, in the description of the embodiments of the present application, the terms "mounted," "connected," "affixed," "disposed," and the like are to be construed broadly. For example, the "connection" may be a fixed connection, a detachable connection, or an integral arrangement; the device can be mechanically connected, electrically connected and communicated; it can be directly connected or indirectly connected through an intermediate medium; which may be a communication between two elements or an interaction between two elements. The specific meanings of the above terms in the embodiments of the present application can be understood by those skilled in the art to which the present application pertains according to the specific circumstances.
Referring to fig. 1 to 3, the mobile payment method of the present embodiment includes the following steps:
s1, acquiring a commodity catalog or payment transaction amount, wherein the commodity catalog comprises commodity information of a plurality of commodities, and the commodity information comprises commodity prices;
s21, when the commodity information of one or more commodities in the commodity catalogue is scanned, acquiring a digital image of the commodity information of the commodity, and identifying the digital image to acquire the commodity price of the commodity;
s22, summing up commodity prices of all commodities to obtain transaction payment amount;
s2', when the payment transaction amount is scanned, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
s3, scanning payment information provided by the client, packaging the payment information to form a payment message, uploading the payment message to a payment platform corresponding to the client, and executing payment operation through the payment platform to finish mobile payment.
The technical scheme directly scans the commodity catalogue or the payment transaction amount, acquires the corresponding digital image, and identifies the digital image to acquire the transaction payment amount; the method has the advantages that an ERP system is not required to be built, payment information provided by a client is directly scanned, the payment information is packaged to form a payment message, a payment platform corresponding to the client is arranged, payment operation is carried out through the payment platform, mobile payment is completed, the risk of wrong transaction payment amount is avoided, the transaction time is reduced, the payment process is simple, the payment platform can be selected according to the payment information provided by the client, and a richer payment mode and reliable service guarantee are provided. The scanned commodity catalogue can be a commodity catalogue displayed on a scanned entity (such as paper) or a commodity catalogue displayed on a scanned display screen; the scanned payment transaction amount may be a payment transaction amount displayed on a physical object (e.g., paper) or a payment transaction amount displayed on a scanned display screen; the display screen can be a mobile payment device, a computer, a cash register, a mobile phone, a tablet and the like with a display module, and the display module can be a display screen, a liquid crystal screen with a touch control function and the like. The scanning of the commodity information of one or more commodities in the commodity catalog to obtain a digital image of the commodity information of the commodity may be a capturing of pictures or videos of the commodity information of one or more commodities, obtaining a digital image of the commodity information of the commodity, and identifying the content in the digital image (such as a local or cloud OCR (optical character recognition) algorithm) to obtain the commodity price of the commodity. When the payment transaction amount is scanned, the picture or video of the payment transaction amount may be intercepted, the digital image of the payment transaction amount may be obtained, and the content in the digital image may be identified, so as to obtain the payment transaction amount. The payment information provided by the client is scanned and packed to form a payment message, a payment platform corresponding to the client is sent up, and payment operation is executed through the payment platform to finish mobile payment, namely, the payment information is presented for the client, and a payment request is initiated; the merchant scans payment information and packages the payment information to form a payment message, a payment platform is selected according to the payment information presented by a client, the payment platform comprises a third party payment platform (a Union, a payment bank, a WeChat and the like) or member payment platforms (a stored value card, a member card and the like) of each big bank or merchant, and the merchant transmits transaction payment amount to a gateway interface of the payment platform through a gateway collection interface (such as B2C); and the mobile payment of the client is completed, and the payment platform returns a transaction payment result.
To facilitate checking whether the transaction payment amount is incorrect, further embodiments are improved,
the commodity information also comprises a commodity name; namely, the commodity catalog comprises commodity information of a plurality of commodities, wherein the commodity information comprises commodity names and commodity prices;
scanning commodity information of one or more commodities in a commodity catalog, acquiring a digital image of commodity information of the commodity, and identifying the digital image to acquire commodity names and commodity prices of the commodity;
and adding up commodity prices of all commodities to obtain transaction payment amount, and generating a transaction bill.
In some embodiments, the transaction bill may include a commodity name, a commodity price, a transaction payment amount, and the like, so that the transaction bill is conveniently used to check whether the commodity name, the commodity number, and the commodity price corresponding to the commodity name of the commodity in the transaction bill are accurate, thereby facilitating the check whether the transaction payment amount is accurate, and avoiding the risk of error of the transaction payment amount. In some embodiments, besides the content of the transaction bill, the transaction bill further comprises quantity, time for generating the transaction bill and the like, the time of the transaction bill is accurate, the transaction bill can be checked at any time according to the transaction time, the transaction amount in the transaction bill is convenient to check, and the risk of error of the transaction payment amount is avoided. The transaction bill can be printed out and delivered to the client, so that the client can check the transaction bill at any time conveniently.
To avoid the risk of incorrect transaction payment amount, after obtaining the transaction payment amount, the client payment information is scanned, and the method comprises the following steps:
checking whether the transaction payment amount is correct;
if the payment information is correct, scanning the payment information of the customer;
otherwise, the payment amount of the current transaction is withdrawn, commodity prices of all commodities are withdrawn, commodity information of one or more commodities is scanned again, digital images of commodity information of the commodities are obtained, and the digital images are identified, so that commodity prices of the commodities are obtained from the digital images; the commodity prices of all commodities are summed up to obtain transaction payment amount;
or the current transaction payment amount is cancelled, the commodity price of partial commodities is cancelled or/and the commodity price of the commodity is added, and the commodity price of the related commodity is re-aggregated to obtain the transaction payment amount;
or the payment amount of the current transaction is withdrawn, and when the payment transaction amount is rescanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom.
The checking transaction payment amount can be manually checked and/or automatically checked by a program, that is, in some embodiments, the checking transaction payment amount is manually checked, and whether the commodity price of one or more commodities is accurate is checked by checking the commodity price of the client or the merchant or checking the commodity price of the client and the merchant together, so that the transaction payment amount after the commodity prices of all the commodities are summed up is conveniently checked; in some embodiments, the transaction payment amount is automatically checked by a program, commodity information or a digital image of the transaction payment amount of the commodity is obtained, secondary identification is carried out on the content in the digital image, commodity price or the transaction payment amount of the commodity is obtained, whether the commodity price or the transaction payment amount of the commodity obtained by the secondary identification is consistent is compared, if so, the commodity price or the transaction payment amount of the commodity obtained in the digital image is correct, otherwise, the commodity price or the transaction payment amount of the commodity is withdrawn, and the commodity information or the transaction payment amount of the commodity is rescanned; thereby facilitating the verification of the transaction payment amount. In some embodiments, after the advanced journey sequence is automatically checked, the manual check sum is performed, and the transaction payment amount is more accurate through the secondary check, so that the risk of wrong transaction payment amount is avoided. The price of the withdrawn part of the commodity may be a price of the withdrawn part of the commodity whose price is incorrect or a price of the commodity which the customer does not want to purchase; the commodity price of the added commodity comprises the commodity price of the added new commodity and the correct commodity price of the cancelled part of commodity; the above addition is also performed by scanning commodity information of the commodity; and acquiring a digital image of commodity information of the commodity, and identifying the content in the digital image to acquire the commodity price of the commodity. Wherein the actions of withdrawing and adding can be realized by a mechanical button or knob, touch control or the like.
The trade bill checks whether the commodity name, commodity quantity and commodity price corresponding to the commodity name of the commodity in the trade bill are accurate, thereby facilitating checking whether the trade payment amount is accurate and avoiding the risk of error of the trade payment amount. The geographic location information may also be associated with the transaction bill for the convenience of the merchant or customer to know the source of the transaction bill. I.e. also comprises obtaining current geographical location information and associating said geographical location information to said transaction bill. The merchant (having multiple stores) is facilitated to distinguish from which store the transaction bill is coming from, from which store the transaction payment amount is coming.
After the mobile payment is completed, the contents in the transaction bill can be recorded and classified, and the statistics are in a commodity transaction data table. In some embodiments, the commodity transaction data table includes payment date, commodity name, commodity quantity, commodity price. The commodity transaction quantity on the same day or month is conveniently counted, the consumption preference of the customer is recorded, and the commodity can be taken according to the consumption preference of the customer, so that the stocking of partial commodities or the sold-out of partial commodities is reduced. In some embodiments, the commodity transaction data table includes payment date, commodity name, commodity quantity, commodity price, and commodity inventory. The commodity inventory is the total commodity quantity of the commodity, namely the number of the traded commodity, and the merchant can select to supplement the commodity according to the commodity inventory.
In order to implement the method, various mobile payment devices can be provided, and the mobile payment method can be applied. The following three embodiments are provided for ease of understanding. The mobile payment device is described but is not intended to limit the scope of the patent application.
Referring to fig. 4, in some implementations, a mobile payment device includes a first scanning module 10 and a payment module 20;
the first scanning module 10 is configured to scan information of one or more commodities in a commodity catalog, obtain a digital image of the commodity information of the commodity, and identify the digital image to obtain a commodity price of the commodity; or scanning the payment transaction amount, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
the payment module 20 or the first scanning module 10 is configured to aggregate commodity prices of all commodities to obtain a transaction payment amount;
the first scanning module 10 is configured to scan customer payment information, and the payment module 20 invokes its corresponding payment platform according to the customer payment information, and performs a payment operation through the payment platform, thereby completing mobile payment.
Referring to fig. 5, in some implementations, a mobile payment device includes a first scanning module 10, a payment module 20, and an aggregation module 30;
the first scanning module 10 is configured to scan information of one or more commodities in a commodity catalog, obtain a digital image of the commodity information of the commodity, and identify the digital image to obtain a commodity price of the commodity; or scanning the payment transaction amount, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
the aggregation module 30 is configured to aggregate commodity prices of all commodities to obtain a transaction payment amount;
the first scanning module 10 is configured to scan customer payment information, and the payment module 20 invokes its corresponding payment platform according to the customer payment information, and performs a payment operation through the payment platform, thereby completing mobile payment.
Referring to fig. 6, in some implementations, a mobile payment device includes a first scanning module 10, a second scanning module 40, a payment module 20, and an aggregation module 30;
the first scanning module 10 is configured to scan information of one or more commodities in a commodity catalog, obtain a digital image of the commodity information of the commodity, and identify the digital image to obtain a commodity price of the commodity; or scanning the payment transaction amount, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
the aggregation module 30 is configured to aggregate commodity prices of all commodities to obtain a transaction payment amount;
the second scanning module 40 is configured to scan the payment information of the customer, and the payment module 20 invokes its corresponding payment platform according to the payment information of the customer, and performs a payment operation through the payment platform to complete mobile payment. The first scanning module 10 and the second scanning module 40 may be implemented by a mechanical button or knob, or by touch control.
Through the mobile payment equipment, the scanning and payment actions can be realized by only one equipment, the mobile payment equipment is only required to scan commodities needing to be transacted in a commodity catalog or directly scan payment transaction amount, transaction payment amount is obtained, payment information provided by a client is scanned, the payment information is packaged to form a payment message, a payment platform corresponding to the client is sent, and payment operation is executed through the payment platform, so that mobile payment is completed. The method is simple to operate, an ERP system is not required to be established, transaction payment amount is not required to be manually input, and a richer payment mode and reliable service guarantee are provided.
In order to make the customer know the transaction payment amount more clearly, the mobile payment device can also be an external terminal device in communication connection with the mobile payment device, wherein the external terminal device can be a sound generating device or/and a display device. In some embodiments, the mobile payment device is communicatively connected to a sound emitting device, where the sound emitting device may be used to broadcast a payment amount of a transaction and/or a payment transaction result, i.e., the sound emitting device may be used to broadcast either or both of the payment amount and the payment transaction result. The method is convenient for the client to check whether the transaction payment amount is accurate or not through the transaction payment amount broadcasted by the sounding device, and check whether the payment transaction is successful or not through the payment transaction result broadcasted by the sounding device; in some embodiments, the mobile payment device is communicatively connected to a display device, where the display device may be configured to display a transaction bill, a transaction payment amount, and/or a payment transaction result, i.e., the display device may be configured to display any one or more of the transaction bill, the transaction payment amount, and the payment transaction result. The method is convenient for the client to check whether the transaction payment amount is accurate through any one or two of the transaction bill and the transaction payment amount displayed by the display device; checking whether the payment transaction is successful or not through the payment transaction result displayed by the display device; in some embodiments, the mobile payment device is communicatively connected to a sound emitting device and a display device, and the display device and the sound emitting device check whether the transaction payment amount is accurate. The communication connection may be directly or indirectly connected through a communication data line, or may be connected through wireless communication, where the wireless communication connection may be Zigbee, bluetooth (Bluetooth), wireless broadband (Wi-Fi), ultra Wideband (UWB), NFC, lora, or the like. The sound generating device may be a sound box, etc. The display device is a computer with a display screen, a cash register, a mobile phone, a tablet and the like. Referring to fig. 7, in order to reduce occupation of the space of the store by the external terminal device, it is preferable to provide a voice broadcasting module 60 and/or a display module 70 in the mobile payment device, where the voice broadcasting module 60 may be used to broadcast the transaction payment amount and/or the payment transaction result, and the display module 70 displays the transaction bill, the transaction payment amount and/or the payment transaction result. The voice broadcasting module 60 and/or the display module 70 are arranged on the mobile payment device, so that functions of the mobile payment device can be enriched, the voice broadcasting module 60 and/or the display module 70 are integrated in the mobile payment device, and extra expenditure of a merchant for purchasing external terminal equipment is reduced.
As shown in fig. 8, the mobile payment device may further include a third scanning module 50, where the third scanning module 50 may be configured to identify encoded information, and the encoded information may be a two-dimensional code or a bar code or similar encoded information with hidden commodity content. The functions of scanning and decoding the bar codes or the two-dimensional codes in the traditional ERP system are reserved, information of commodities is facilitated to be obtained quickly, functions of the mobile payment device are richer, applicability is stronger, and the first scanning module 10 and the third scanning module 50 can be realized through mechanical buttons or knobs or touch control and the like.
Finally, it should be noted that, although the foregoing embodiments have been described in the text and the accompanying drawings of the present application, the scope of the patent protection of the present application is not limited thereby. All technical schemes generated by replacing or modifying equivalent structures or equivalent flows based on the essential idea of the application and by utilizing the contents recorded in the text and the drawings of the application, and the technical schemes of the embodiments are directly or indirectly implemented in other related technical fields, and the like, are included in the patent protection scope of the application.
Claims (10)
1. A mobile payment method, comprising the steps of:
acquiring a commodity catalog or payment transaction amount, wherein the commodity catalog comprises commodity information of a plurality of commodities, and the commodity information comprises commodity prices;
when the commodity information of one or more commodities in the commodity catalogue is scanned, digital images of the commodity information of the commodities are obtained, and the digital images are identified to obtain commodity prices of the commodities;
the commodity prices of all commodities are summed up to obtain transaction payment amount;
when the payment transaction amount is scanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom;
and scanning the payment information provided by the client, packaging the payment information to form a payment message, uploading the payment message to a payment platform corresponding to the client, and executing the payment operation through the payment platform to finish mobile payment.
2. The mobile payment method of claim 1, wherein the commodity information further comprises a commodity name;
scanning commodity information of one or more commodities in a commodity catalog, acquiring a digital image of commodity information of the commodity, and identifying the digital image to acquire commodity names and commodity prices of the commodity;
and adding up commodity prices of all commodities to obtain transaction payment amount, and generating a transaction bill.
3. A mobile payment method according to claim 1 or 2, wherein after obtaining the transaction payment amount, scanning the customer payment information is preceded by:
checking whether the transaction payment amount is correct;
if the payment information is correct, scanning the payment information of the customer;
otherwise, the payment amount of the current transaction is withdrawn, commodity prices of all commodities are withdrawn, commodity information of one or more commodities is scanned again, digital images of commodity information of the commodities are obtained, and the digital images are identified, so that commodity prices of the commodities are obtained from the digital images; the commodity prices of all commodities are summed up to obtain transaction payment amount;
or the current transaction payment amount is cancelled, the commodity price of partial commodities is cancelled or/and the commodity price of the commodity is added, and the commodity price of the related commodity is re-aggregated to obtain the transaction payment amount;
or the payment amount of the current transaction is withdrawn, and when the payment transaction amount is rescanned, a digital image of the payment transaction amount is acquired, and the digital image is identified to acquire the payment transaction amount therefrom.
4. The mobile payment method of claim 2, further comprising obtaining current geographic location information and associating the geographic location information to the transaction bill.
5. The mobile payment method according to claim 2, wherein after the mobile payment is completed, the contents of the transaction bill are recorded and categorized and counted in a transaction data table.
6. The mobile payment method of claim 5, wherein the transaction data table includes a payment date, a commodity name, a commodity quantity, a commodity price, and a commodity inventory.
7. A mobile payment device applying the mobile payment method of any one of claims 1-6, comprising a first scanning module and a payment module;
the first scanning module is used for scanning commodity information of one or more commodities in the commodity catalogue, acquiring digital images of commodity information of the commodities, and identifying the digital images to acquire commodity prices of the commodities; or scanning the payment transaction amount, acquiring a digital image of the payment transaction amount, and identifying the digital image to acquire the payment transaction amount;
the payment module or the first scanning module is used for summing up commodity prices of all commodities to obtain transaction payment amount;
the first scanning module is used for scanning the payment information of the client, packaging the information to form a payment message, uploading the payment message to a payment platform corresponding to the client, and executing the payment operation through the payment platform to finish mobile payment.
8. The mobile payment device of claim 7, further comprising a third scanning module for scanning the encoded information.
9. The mobile payment device of claim 7, further comprising a voice broadcast module that broadcasts a transaction payment amount and/or a payment transaction result.
10. The mobile payment device of claim 7, wherein: the system also comprises a display module, wherein the display module displays the transaction bill, the transaction payment amount and/or the transaction payment result.
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