TW201947485A - DOI-based payment method, apparatus and device - Google Patents

Abstract

A DOI-based payment method, apparatus and device. In a scene where a user performs code-scanning payment by means of a code-scanning device, a pricing device can present the amount required for payment by the user, and the corresponding settlement device can provide a two-dimensional payment code for the user on the basis of the presented amount, the two-dimensional code reflecting the amount required for payment by the user. In this way, the user can complete the payment only by using a code-scanning device to scan the amount DOI.

Description

DOI-based payment method, device and equipment

The present invention relates to the field of computer technology, and in particular, to a DOI-based payment method, device, and device.

Currently, digital object unique identifiers (DOIs) such as two-dimensional bar codes are widely used in mobile payment scenarios.
For existing mobile payment scenarios, users can usually scan the two-dimensional barcode of the payee through a mobile terminal, enter the payment page, and enter the corresponding payment amount on the payment page to complete the payment service.
Based on the existing technology, there is a need for a mobile payment method that can further reduce user operations.

The embodiments of the present specification provide a DOI-based payment method, device, and device to provide a more convenient mobile payment solution.
The embodiments of this specification adopt the following technical solutions:
The embodiments of the present specification provide a DOI-based payment method, including:
Pricing equipment shows the amount to be paid;
The settlement device provides a digital object unique identification code DOI for reflecting the amount to be paid according to the displayed amount to be paid;
The code scanning device scans the amount of DOI provided by the settlement device, and initiates a payment request to the server to complete the payment;
The amount DOI includes at least a two-dimensional bar code of the amount.
The embodiment of this specification provides a DOI-based payment method on the settlement device side, including:
The settlement device obtains the user's information to be paid based on the service obtained by the user; wherein the quantitative value corresponding to the information to be paid matches the value corresponding to the service obtained by the user;
Generate an amount of DOI according to the information to be paid and display it so that the user scans the amount of DOI through a code scanning device to make a payment;
Wherein, the amount DOI includes at least a two-dimensional barcode.
The embodiment of this specification provides a DOI-based payment method on the scanning device side, including:
Scan the amount of DOI displayed by the settlement device;
Obtaining the information to be paid from the amount of DOI;
A payment request is generated according to the information to be paid and sent to a server for payment.
The embodiment of this specification provides a DOI-based payment method on the server side, including:
Receiving a two-dimensional bar code request sent by a settlement device;
Determining the identification information of the business party carried in the two-dimensional barcode request;
Generating a two-dimensional bar code data to the settlement device according to the business party identification information and the amount to be paid carried in the two-dimensional bar code request, so that the settlement device provides a Amount DOI.
Correspondingly, an embodiment of the present specification further provides a DOI-based payment device on a pricing device side, including:
Information acquisition module to obtain the amount to be paid by the user;
The display module displays the amount to be paid.
Correspondingly, an embodiment of the present specification further provides a DOI-based payment device on a settlement device side, including:
Acquisition module, which collects the amount to be paid displayed by the pricing device;
DOI provides a module to provide the amount of DOI according to the collected amount to be paid;
The amount DOI includes at least a two-dimensional bar code of the amount.
Correspondingly, an embodiment of the present specification further provides a DOI-based payment device on a scanning device side, including:
Scanning module to scan and identify the amount of DOI displayed by the settlement equipment;
An information acquisition module, which acquires information to be paid from the amount of DOI;
The request module generates a payment request and sends it to the server according to the information to be paid to complete the payment.
Correspondingly, the embodiment of the present specification also provides a DOI-based payment device on the server side, including:
The request receiving module receives a two-dimensional bar code request sent by a settlement device;
An information determination module, according to the business party identification information carried in the two-dimensional barcode request;
A bar code data generating module generates a two-dimensional bar code data and returns it to the settlement device based on the business party identification information and the amount to be paid carried in the two-dimensional bar code request, so that the settlement device is based on the two-dimensional The bar code data provides the amount of DOI used to reflect the amount to be paid.
Correspondingly, the embodiment of the present specification also provides a DOI-based payment device on the pricing device side, which includes: a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Obtain the amount to be paid by the user;
Display the amount to be paid.
Correspondingly, the embodiment of the present specification also provides a DOI-based payment device on the settlement device side, including: a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Collect the amount to be paid displayed by the pricing device;
Provide the amount of DOI according to the collected amount to be paid;
The amount DOI includes at least a two-dimensional bar code of the amount.
Correspondingly, the embodiment of the present specification also provides a DOI-based payment device on the scanning device side, which includes: a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Scan and identify the amount of DOI provided by the settlement equipment;
Obtaining the information to be paid from the amount of DOI;
According to the information to be paid, a payment request is generated and sent to a server to complete the payment.
Correspondingly, the embodiment of the present specification also provides a DOI-based payment device on the payment server side, including: a processor and a memory, wherein:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Receiving a two-dimensional bar code request sent by a settlement device;
Determining the identification information of the business party carried in the two-dimensional barcode request;
Generating a two-dimensional bar code information to the settlement device according to the business party identification information and the amount to be paid carried in the two-dimensional bar code request, so that the settlement device displays for reflection based on the two-dimensional bar code information The amount of DOI to be paid.
The at least one technical solution adopted in the embodiments of the present specification can achieve the following beneficial effects:
In the scenario where the user performs code scanning payment through the code scanning device, after the user obtains the service provided by the business party, the settlement device of the business party can obtain the user's information to be paid based on the service obtained by the user. Generally speaking, , The pending information reflects the amount the user needs to pay. After that, the user does not need to manually enter the amount to be paid after scanning the code, but the settlement device generates a DOI containing the amount to be paid based on the user's information to be paid. Therefore, the user only needs to scan the amount of DOI with a code scanning device to complete the payment.
Compared with the existing code scanning payment method, the above methods in the embodiments of this specification can effectively reduce or avoid user operations on the code scanning device, thereby improving the convenience of payment and facilitating the user's payment. Experience.

In order to make the objectives, technical solutions, and advantages of the present invention clearer, the technical solutions of the present invention will be clearly and completely described in combination with specific embodiments of the present invention and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.
In one or more embodiments of the present specification, the DOI may be considered as a visual coded graphic recognition word, and may specifically include codes generated by various code systems such as QR Code, Code 16K, Ultra-code, or PDF417. One-dimensional bar code, two-dimensional matrix bar code or two-dimensional bar code.
In some existing mobile payment scenarios, consumer users (referred to as users in the following description) can usually scan the static two-dimensional bar codes provided by business parties such as merchants, and enter the corresponding amount in the payment interface. To complete the payment. But obviously, for this payment scenario, users need to perform more operations, which is more inconvenient.
For this reason, in the embodiment of the present specification, a DOI-based payment method is provided, which can generate a dynamic two-dimensional bar code according to the amount that the user needs to pay. For the user, it is only necessary to scan the code for the dynamic two-dimensional bar code. Complete the payment without manually entering the amount to be paid in the payment page, thereby reducing the user's required operations.
Based on the above, the DOI-based payment method provided in the embodiments of this specification may adopt the architecture shown in FIG. 1.
In FIG. 1, the payment server can be considered as a back-end server of a payment service party (such as a bank, a payment platform, etc.), and can provide payment services to users and business parties. In a feasible implementation manner, the user and the business party both have corresponding accounts registered in the payment server. At the same time, in some embodiments of this specification, the payment server may be used to provide the barcode data needed to generate the amount of DOI (this process will be explained in the subsequent content).
Of course, the above payment server may specifically adopt a cluster, decentralized, or single server architecture, which should not constitute a limitation on the present invention.
In FIG. 1, the code scanning device is used by a user, and may generally include, but is not limited to, a mobile phone, a tablet computer, a smart watch, augmented reality (AR) glasses, and a virtual reality (VR) helmet Devices such as code scanning are not specifically limited here.
In FIG. 1, the pricing device can display the corresponding amount to be paid based on the business obtained by the user (the business here can be understood as the goods / services obtained by the user).
In Figure 1, the settlement device can generate a corresponding amount of DOI (such as a two-dimensional bar code) according to the amount to be paid displayed by the pricing device, so that the user can use the code scanning device to scan the code for payment.
In the embodiment of the present specification, the pricing device and the settlement device are provided on the side of the business party. Generally, the business party can provide users with goods / services. Business parties can be merchants or other business entities.
The merchants described herein may include, but are not limited to, supermarkets, shopping malls, restaurants, cafes, and dry cleaners. The other business entities mentioned may include, but are not limited to, taxis, toll stations, parking lot toll booths, and so on.
It should be understood that when using the goods / services provided by the above business party, the user may need to scan the business party ’s two-dimensional bar code to enter the payment page after confirming the consumption amount, and enter the corresponding amount in the payment page to complete the payment. The use of the DOI-based payment method in the embodiments of this specification can reduce the operations performed by the user.
Based on the above-mentioned architecture shown in FIG. 1, the technical solutions provided in the embodiments of the present specification will be described in detail below.
The embodiment of the present specification provides a DOI-based payment method, as shown in FIG. 2, which specifically includes the following steps:
Step S201: The pricing device displays the amount to be paid.
In some embodiments of the present specification, the pricing device may specifically be a cash register device, a meter, or the like capable of displaying the amount to be paid. The pricing device can display the amount to be paid in various ways, such as an LED screen, a partial display area, and the like. It should be understood here that the timing of the amount to be paid displayed by the pricing device is usually when the user needs to make an action payment. Of course, it is not specifically limited here.
Step S203: The settlement device provides a digital object unique identification code DOI for reflecting the amount to be paid according to the displayed amount to be paid.
In a possible manner in the embodiments of the present specification, the settlement device is a device with an image acquisition identification function, which can identify the payment amount displayed by the pricing device. The settlement device can have an image recognition device (such as a photographic lens) and a display device (such as a display screen). The settlement device can be a mobile phone, tablet, etc., or it can be specially manufactured to implement the payment method Customized equipment. Of course, this does not constitute a limitation on the present invention.
In another possible manner in the embodiment of the present specification, the settlement device may obtain the aforesaid amount to be paid through communication transmission.
Of course, the above two modes should not constitute a limitation on the present invention.
The amount of DOI can be considered as a payment two-dimensional bar code generated based on the amount to be paid. In other words, the amount of DOI can reduce or avoid the operations performed by the user during the payment process as much as possible.
In the embodiment of the present specification, the way in which the settlement device provides the amount of DOI can be displayed in a variety of ways, such as printing and projection, in addition to being displayed on the screen.
Step S205: The code scanning device scans the amount of DOI provided by the settlement device, and initiates a payment request to the server to complete the payment.
In practical applications, the user can complete the payment after scanning the amount of DOI through the code scanning device, and the user can no longer enter the corresponding amount information.
Through the above steps, in the scenario where the user performs code scanning payment through the code scanning device, after the user obtains the service provided by the business party, the settlement device of the business party can obtain the user's information to be paid based on the service obtained by the user , In general, the information to be paid reflects the amount the user needs to pay. After that, the user does not need to manually enter the amount to be paid after scanning the code, but the settlement device generates a DOI containing the amount to be paid based on the user's information to be paid. Therefore, the user only needs to scan the amount of DOI with a code scanning device to complete the payment.
Compared with the existing code scanning payment method, the above methods in the embodiments of this specification can effectively reduce or avoid user operations on the code scanning device, thereby improving the convenience of payment and facilitating the user's payment. Experience.
The above is the process performed by each end in the architecture shown in FIG. 1 to implement the payment method in the embodiment of this specification. The following describes the payment method in the embodiments of the present specification in detail based on the perspectives of different sides.
For the pricing device and settlement device on the business side, in some application scenarios, it can be implemented by a unified device, and its architecture can be shown in Figure 3a. The specific method flow can be shown in Fig. 3b, which includes the following steps:
Step S301: Acquire the information to be paid by the user based on the service obtained by the user.
In practical applications, for the business party, when the user obtains the goods / services provided by the business party, the user usually performs settlement. In other words, the payment information of the user will be obtained by the settlement device of the business party. The information to be paid may generally include at least one of the amount to be paid and the business entry obtained by the user.
Of course, there may be multiple ways for the settlement device to obtain the information to be paid, for example: the settlement device has an automatic billing function (applicable to scenarios such as parking toll booths, taxis, etc.), so that the user can get the user immediately during the process of obtaining the service Pending payment information. For another example: the settlement device obtains the user's information to be paid by acquiring the product information of the product purchased by the user (applicable to scenarios such as supermarkets, shopping malls, restaurants, etc.).
Therefore, it can be known that, in the embodiment of the present specification, the quantitative value (usually the amount to be paid) corresponding to the information to be paid matches the value corresponding to the service obtained by the user.
Step S303: Provide a DOI according to the information to be paid, so that the user scans the DOI through a code scanning device to make payment.
For the existing method, in practical applications, the settlement device may display the amount corresponding to the information to be paid to the user or the business staff, and then the user scans the two-dimensional bar code of the business party using the code scanning device, and Enter the appropriate payment amount.
Different from the way that existing users need to enter the amount to be paid on the payment page, in the embodiment of this specification, the settlement device can provide the corresponding amount of DOI according to the user's information about the to-be-paid information corresponding to the service, and the amount of DOI includes The corresponding amount to be paid reduces or avoids the user's input of the amount as much as possible.
Obviously, in this case, the user only needs to scan the amount of DOI provided in this step by using the corresponding scanning device to complete the payment.
Of course, it can be understood that, in addition to the information to be paid by the user, the amount DOI provided by the settlement device usually also includes account information of the business party.
It should be noted that, in different embodiments of this specification, there may be some differences in the specific ways in which the settlement device provides the amount of DOI (the following description is made using a two-dimensional amount barcode):
Method 1 In this method, the local storage area of the settlement device has the identification information of the business party (such as the account information and ID registered by the business party in the payment server), then the settlement device can directly generate the amount locally QR code. That is, generating the amount of DOI according to the information to be paid is specifically: generating a two-dimensional bar code of the amount according to the amount of to be paid included in the information to be paid and the identification information of the business party.
Method Two In this method, the settlement device does not store the identification information of the business party locally, but only the identification information of the settlement device itself (such as: device number, MAC address, etc.). Generally, there is a binding relationship between the settlement device and the business party, and the server can record the binding relationship.
Therefore, the process of providing a two-dimensional bar code of the amount by the settlement device may be: generating a two-dimensional bar code request according to the amount to be paid included in the information to be paid and the identification information of the settlement device, and sending the request to the server; The settlement device has a binding relationship with the business party; receives two-dimensional bar code data returned by the server based on the two-dimensional bar code request; wherein the two-dimensional bar code data may include a corresponding payment identifier ( Such as: payment token); displaying a two-dimensional bar code of the amount according to the two-dimensional bar code information.
For the method shown in FIG. 3, the execution subject may generally be a device with a function of displaying amount and providing a two-dimensional bar code.
Of course, in some practical application scenarios, the execution subject in FIG. 3 may be a pricing device and a settlement device in the architecture shown in FIG. 1.
Specifically, the process of displaying the information to be paid by the pricing device may be: The pricing device obtains and displays the amount to be paid of the user based on the service obtained by the user.
Based on the displayed amount to be paid, the settlement device provides a DOI that reflects the amount to be paid. The DOI may be: the settlement device identifies the amount to be paid displayed by the pricing device, and according to the identified The amount to be paid and the account information of the business party bound to the settlement device in advance generate a two-dimensional bar code request and send it to the server; so that the server returns the two-dimensional bar code data according to the two-dimensional bar code; The two-dimensional barcode data returned by the server displays the two-dimensional barcode of the amount.
The above is a payment method based on the business side. For the user side (that is, the code scanning device side), the embodiment of this specification provides another DOI-based payment method. As shown in FIG. 4, it specifically includes the following steps:
Step S401: Scan the amount of DOI displayed by the settlement device.
Wherein, the amount of DOI is generated by the settlement device obtaining the information of the user to be paid based on the service obtained by the user.
Step S403: Obtain information to be paid from the amount of DOI, wherein the information to be paid includes at least a payment identifier.
In the embodiment of the present specification, the payment identifier may specifically be a payment token in the foregoing content.
Step S405: According to the user information and the payment identifier included in the information to be paid, a payment request is generated and sent to the server for payment.
The user information herein may specifically be account information, user ID, etc. corresponding to a user who uses a code scanning device, which is not specifically limited herein.
For the payment method shown in FIG. 4, its execution subject may be considered as a code scanning device used by a user.
As an implementation manner of this specification, considering that a user may pay a larger amount in an actual business scenario, in order to ensure the safety of the user ’s property, a confirmation page may be popped up on the code scanning device after the user scans the amount of DOI, so that The user confirms the amount of this payment. That is, before generating a payment request and sending it to a payment server for payment, the method further includes: generating a confirmation page displaying the amount to be paid, and receiving a user's confirmation operation on the confirmation page.
The above is a payment method based on the user side. For the server side, the embodiment of this specification provides another DOI-based payment method. As shown in FIG. 5, it specifically includes the following steps:
Step S501: Receive a two-dimensional bar code request sent by a settlement device.
Step S503: determine, according to the settlement device identifier carried in the two-dimensional barcode request, the identification information of the business party having a binding relationship with the settlement device;
Step S505: According to the identification information of the business party and the amount to be paid carried in the two-dimensional barcode request, generate a two-dimensional barcode information including a payment identifier and return it to the settlement device, so that the settlement device is based on the two The dimension barcode data generates the amount of DOI containing the amount to be paid.
The above is a DOI-based payment method provided by an embodiment of the present specification. Based on the same thinking, the embodiment of the present specification also provides a corresponding DOI-based payment device.
Specifically, the DOI-based payment device on the pricing device side provided in the embodiment of this specification is shown in FIG. 6, and the device includes:
The information acquisition module 601 acquires the amount to be paid by the user;
The display module 602 displays the amount to be paid.
Based on the apparatus shown in FIG. 6, in actual applications, it can be implemented by a physical device (such as a terminal device). Specifically, the device includes a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Obtain the amount to be paid by the user;
Display the amount to be paid.
The DOI-based payment device on the settlement device side provided in the embodiment of this specification is shown in FIG. 7, and the device includes:
A collection module 701, which collects the amount to be paid displayed by the pricing device;
The DOI providing module 702 provides an amount of DOI according to the collected amount to be paid;
Wherein, the DOI includes at least a two-dimensional barcode.
Based on the apparatus shown in FIG. 7, in actual applications, it can be implemented by a physical device (such as a terminal device). Specifically, the device includes a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Collect the amount to be paid displayed by the pricing device;
The amount of DOI is provided according to the collected amount to be paid.
The DOI-based payment device provided on the code scanning device side provided in the embodiment of this specification is shown in FIG. 8, and the device includes:
The scanning module 801 scans and identifies the amount of DOI provided by the settlement device;
The information acquisition module 802 acquires information to be paid from the amount of DOI;
The request module 803 generates a payment request and sends it to the server according to the information to be paid to complete the payment.
Based on the apparatus shown in FIG. 8, in an actual application, it may be implemented by a physical device (such as a terminal device). Specifically, the device includes a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Scan and identify the amount of DOI provided by the settlement equipment;
Obtaining the information to be paid from the amount of DOI;
According to the information to be paid, a payment request is generated and sent to a server to complete the payment.
The server-based DOI-based payment device provided in the embodiment of this specification is shown in FIG. 9, and the device includes:
The request receiving module 901 receives a two-dimensional bar code request sent by a settlement device;
The information determining module 902 determines the identification information of the business party carried in the two-dimensional barcode request;
A bar code data generating module 903 generates a two-dimensional bar code data and returns it to the settlement device based on the identification information of the business party and the amount to be carried in the two-dimensional bar code request, so that the settlement device is based on the The dimension bar code data provides an amount of DOI to reflect the amount to be paid.
Based on the apparatus shown in FIG. 9, in actual applications, it can be implemented by a physical device (such as a terminal device). Specifically, the device includes a processor and a memory, where:
The memory stores a DOI-based payment program;
The processor calls the DOI-based payment program stored in the memory and executes:
Receiving a two-dimensional bar code request sent by a settlement device;
Determining the identification information of the business party carried in the two-dimensional barcode request;
Generating a two-dimensional bar code information to the settlement device according to the business party identification information and the amount to be paid carried in the two-dimensional bar code request, so that the settlement device displays for reflection based on the two-dimensional bar code information The amount of DOI to be paid.
Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the device, device, and medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple. For the related parts, refer to the description of the method embodiments, and they will not be described here one by one.
So far, specific embodiments of the present subject matter have been described. Other embodiments are within the scope of the claimed patents. In some cases, the actions described in the scope of the patent application can be performed in a different order and still achieve the desired result. In addition, the processes depicted in the figures do not necessarily require the particular order shown or sequential order to achieve the desired result. In certain embodiments, multiplexing and parallel processing may be advantageous.
In the 1990s, for a technical improvement, it can be clearly distinguished whether it is an improvement in hardware (for example, the improvement of circuit structures such as diodes, transistors, switches, etc.) or an improvement in software (for method and process Improve). However, with the development of technology, the improvement of many methods and processes can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by designing the improved method flow program into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. Designers can program their own digital system to "integrate" on a PLD without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, today, instead of making integrated circuit chips manually, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development. The original source code before compilation must also be written in a specific programming language. This is called the Hardware Description Language (HDL), and HDL is not only one, but there are many types, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. Currently, the most commonly used are Very-High-Speed Integrated Circuit Hardware Description Language (VHDL) and Verilog. Those skilled in the art should also be clear that as long as the method flow is logically programmed and integrated into the integrated circuit using the above-mentioned several hardware description languages, the hardware circuit implementing the logic method flow can be easily obtained.
The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable storage of computer-readable code (such as software or firmware) executable by the (micro) processor. Media, logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable code manner, the method steps can be logically programmed to make the controller controlled by logic gates, switches, dedicated integrated circuits, and programmable logic Controller and embedded microcontroller to achieve the same function. Therefore, the controller can be considered as a hardware component, and the device included in the controller for implementing various functions can also be considered as a structure within the hardware component. Or even, a device for implementing various functions may be regarded as a structure that can be both a software module implementing the method and a hardware component.
The system, device, module, or unit described in the foregoing embodiments may be specifically implemented by a computer chip or entity, or by a product having a certain function. A typical implementation is a computer. Specifically, the computer may be, for example, a personal computer, a notebook computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device Or a combination of any of these devices.
For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing the present invention, the functions of each unit may be implemented in the same or multiple software and / or hardware.
Those skilled in the art should understand that the embodiments of the present invention may be provided as a method, a system, or a computer program product. Therefore, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk memory, CD-ROM, optical memory, etc.) containing computer-usable code therein. .
The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and a combination of the flow and / or block in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing device to generate a machine for instructions executed by the processor of the computer or other programmable data processing device Generate means for implementing the functions specified in one or more flowcharts and / or one or more blocks of the block diagram.
These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory generate a manufactured article including a command device , The instruction device realizes the functions specified in a flowchart or a plurality of processes and / or a block or a block of the block diagram.
These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operating steps can be performed on the computer or other programmable equipment to generate computer-implemented processing, so that the computer or other programmable equipment can The instructions executed on the steps provide steps for realizing the functions specified in one or more flowcharts and / or one or more blocks of the block diagram.
In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
Memory may include non-permanent memory, random access memory (RAM), and / or non-volatile memory in computer-readable media, such as read-only memory (ROM) or flash memory (flash) RAM). Memory is an example of a computer-readable medium.
Computer-readable media includes permanent and non-permanent, removable and non-removable media. Information can be stored by any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM) , Read-only memory (ROM), electrically erasable and programmable read-only memory (EEPROM), flash memory or other memory technology, read-only disc read-only memory (CD-ROM), digital multifunction Optical discs (DVDs) or other optical storage, magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmitting medium may be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
It should also be noted that the terms "including,""including," or any other variation thereof are intended to encompass non-exclusive inclusion, so that a process, method, product, or device that includes a range of elements includes not only those elements, but also Other elements not explicitly listed, or those that are inherent to such a process, method, product, or device. Without more restrictions, the elements defined by the sentence "including a ..." do not exclude the existence of other identical elements in the process, method, product or equipment including the elements.
Those skilled in the art should understand that the embodiments of the present invention may be provided as a method, a system or a computer program product. Therefore, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk memory, CD-ROM, optical memory, etc.) containing computer-usable code therein. .
The invention can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific transactions or implement specific abstract data types. The present invention can also be practiced in a decentralized computing environment in which transactions are performed by a remote processing device connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media, including storage devices.
Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For the relevant part, refer to the description of the method embodiment.
The above description is only an embodiment of the present invention and is not intended to limit the present invention. It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the scope of patent application of the present invention.

S201-S505‧‧‧step

601‧‧‧Information Acquisition Module

602‧‧‧Display Module

701‧‧‧ Acquisition Module

702‧‧‧DOI provides modules

801‧‧‧scanning module

802‧‧‧Information Acquisition Module

803‧‧‧Request module

901‧‧‧Request receiving module

902‧‧‧Information Confirmation Module

903‧‧‧Barcode data generation module

The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and the description thereof are used to explain the present invention, and do not constitute an improper limitation on the present invention. In the scheme:

FIG. 1 is a schematic diagram of an architecture based on a DOI-based payment method according to an embodiment of the present specification;

2 is a schematic diagram of a DOI-based payment process provided by an embodiment of the present specification;

3a is a schematic diagram of another architecture based on a DOI-based payment method according to an embodiment of the present specification;

3b is a schematic diagram of a payment method on the settlement device side based on the architecture shown in FIG. 3a;

4 is a schematic diagram of a DOI-based payment process on a scanning device side according to an embodiment of the present specification;

5 is a schematic diagram of a DOI-based payment process on a payment server side according to an embodiment of the present specification;

6 is a schematic structural diagram of a DOI-based payment device on a pricing device side according to an embodiment of the present specification;

7 is a schematic structural diagram of a DOI-based payment device on a settlement device side according to an embodiment of the present specification;

8 is a schematic structural diagram of a DOI-based payment device on a scanning device side according to an embodiment of the present specification;

FIG. 9 is a schematic structural diagram of a DOI-based payment device on a payment server side according to an embodiment of the present specification.

Claims (14)

A DOI-based payment method includes: Pricing equipment shows the amount to be paid; The settlement device provides a digital object unique identification code DOI for reflecting the amount to be paid according to the displayed amount to be paid; The code scanning device scans the amount of DOI provided by the settlement device, and initiates a payment request of the corresponding amount to the server to complete the payment. The method according to claim 1, wherein the amount DOI includes at least a two-dimensional bar code of the amount. According to the method described in claim 2, the settlement device provides the amount of DOI to reflect the amount to be paid according to the displayed amount to be paid, which specifically includes: The settlement device identifies the amount to be paid displayed by the pricing device; Generating a two-dimensional bar code request to a server according to the identified amount to be paid and identification information of a business party pre-bound with the settlement device; so that the server returns the two-dimensional bar code data according to the two-dimensional bar code; Display the two-dimensional bar code of the amount according to the two-dimensional bar code data returned by the server. According to the method described in claim 3, the server returns the two-dimensional barcode data, which specifically includes: The server generates a two-dimensional bar code data including a payment identifier based on the two-dimensional bar code request and returns it to the settlement device; The payment identifier includes at least: a payment token. According to the method described in claim 4, the code scanning device scans the amount of DOI displayed by the settlement device and initiates a payment request to the server, which specifically includes: The code scanning device scans and obtains the payment token contained in the amount two-dimensional barcode; The code scanning device generates a payment request including the payment token and sends it to the server. The method of claim 1, before the payment is completed, the method further comprises: Display a payment confirmation page on the code scanning device, and receive a user's confirmation operation on the confirmation page. A DOI-based payment device includes: Information acquisition module to obtain the amount to be paid by the user; The display module displays the amount to be paid. A DOI-based payment device includes: Acquisition module, which collects the amount to be paid displayed by the pricing device; DOI provides a module to provide the amount of DOI based on the collected amount to be paid; Among them, the amount DOI includes at least a two-dimensional bar code of the amount. A DOI-based payment device includes: Scan module to scan and identify the amount of DOI provided by the settlement equipment; Information acquisition module, which obtains the information to be paid from the amount of DOI; The request module generates a payment request to the server according to the information to be paid to complete the payment. A DOI-based payment device includes: The request receiving module receives a two-dimensional bar code request sent by a settlement device; The information determination module determines the identification information of the business party carried in the two-dimensional barcode request; The bar code data generating module generates a two-dimensional bar code data and returns it to the settlement device based on the identification information of the business party and the amount to be paid carried in the two-dimensional bar code request, so that the settlement device displays the data based on the two-dimensional bar code information for DOI that reflects the amount to be paid. A DOI-based payment device includes: a processor and a memory, wherein: The memory stores a DOI-based payment program; The processor calls the DOI-based payment program stored in the memory and executes: Obtain the amount to be paid by the user; Show the amount to be paid. A DOI-based payment device includes: a processor and a memory, wherein: The memory stores a DOI-based payment program; The processor calls the DOI-based payment program stored in the memory and executes: Collect the amount to be paid displayed by the pricing device; Provide the amount of DOI according to the collected amount to be paid; Among them, the amount DOI includes at least a two-dimensional bar code of the amount. A DOI-based payment device includes: a processor and a memory, wherein: The memory stores a DOI-based payment program; The processor calls the DOI-based payment program stored in the memory and executes: Scan and identify the amount of DOI provided by the settlement equipment; Get the information to be paid from the amount of DOI; According to the information to be paid, a payment request is generated and sent to the server to complete the payment. A DOI-based payment device includes: a processor and a memory, wherein: The memory stores a DOI-based payment program; The processor calls the DOI-based payment program stored in the memory and executes: Receiving a two-dimensional bar code request sent by a settlement device; Determining the identification information of the business party carried in the two-dimensional barcode request; According to the business party identification information and the amount to be paid carried in the two-dimensional bar code request, a two-dimensional bar code information is generated and returned to the settlement device, so that the settlement device displays the amount used to reflect the amount to be paid based on the two-dimensional bar code information. DOI.