WO2016074521A1

WO2016074521A1 - Payment method, payment platform and terminal

Info

Publication number: WO2016074521A1
Application number: PCT/CN2015/088410
Authority: WO
Inventors: 赵晔; 吴建国; 杜超
Original assignee: 北京橙鑫数据科技有限公司
Priority date: 2014-11-11
Filing date: 2015-08-28
Publication date: 2016-05-19
Also published as: TW201621772A; HK1204855A2; CN104463574A

Abstract

A payment method, a payment platform and a terminal, comprising: a payment platform receiving a payment request sent by a terminal, wherein the payment request comprises an identification of a paid terminal, an identification of a payment terminal and payment information; the payment platform searching for and obtaining a payment account corresponding to the identification of the payment terminal, and a paid account corresponding to the identification of the paid terminal; and the payment platform completing payment according to the payment account, the paid account and the payment information. By means of the provided solution, when a face-to-face transaction is performed, there is no need to save important information, such as financial information, about a user on a terminal, so that payment security is improved on the basis of realizing convenient payment.

Description

Payment method, payment platform and terminal

Technical field

The present invention relates to the field of electronic commerce, and in particular, to a payment method, a payment platform, and a terminal.

Background technique

With the rapid development of e-commerce, electronic payment has been widely used due to its convenience and speed. In an e-commerce transaction, the payer can use the bank card transfer to pay. Specifically, an existing payment scheme is to swipe the card on the self-service terminal and input the financial information of the payee to the self-service terminal, such as a bank account number. Such information, which makes the payment process cumbersome and error-prone.

In this regard, the prior art provides a face-to-face payment method including: swiping a card on a point-of-sale information management system (referred to as a POS machine), and inputting the corresponding payment information, for example, the amount to be paid, to the POS machine to input the payer's The password can be used to complete the payment. However, in the above solution, it is necessary to input important financial information such as the bank card number and password of the paying party in the POS machine, so there is a problem in the security of the payment.

Summary of the invention

The invention provides a payment method, a payment platform and a terminal, which are used for solving the problem that the existing payment scheme is not high in security.

A first aspect of the present invention provides a payment method comprising:

The payment platform receives a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the identifier of the paid terminal. And sending the identifier of the other terminal as the identifier of the payment terminal;

The payment platform searches for a financial account corresponding to the identifier of each terminal stored locally, and obtains a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

The payment platform is configured according to the payment account, the account to be paid, and the payment information. Complete the payment.

Another aspect of the present invention is to provide a payment method comprising:

The terminal acquires an identifier of another terminal;

The terminal sends a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, and the identifier of the payment terminal The identifier is the identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and complete the payment.

Yet another aspect of the present invention is to provide a payment platform, including:

a receiving module, configured to receive a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the paid terminal And the identifier of the other terminal is sent as the identifier of the payment terminal;

a search module, configured to search for a financial account corresponding to the identifier of each terminal stored locally, obtain a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

And a processing module, configured to complete the payment according to the payment account, the account to be paid, and the payment information.

Yet another aspect of the present invention is to provide a terminal, including:

An obtaining module, configured to acquire an identifier of another terminal;

a sending module, configured to send a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, and the payment is The identifier of the terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and complete Pay.

The payment method, the payment platform and the terminal provided by the present invention receive a payment request sent by the terminal through a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, and the payment platform searches for local information to obtain a corresponding Paying the account number and the account to be paid, and completing the payment plan, avoiding saving the user's financial information in the terminal, and ensuring that the user's financial information is not leaked even if the terminal is lost, thereby effectively improving the security of the payment.

DRAWINGS

1 is a schematic flowchart of a payment method according to Embodiment 1 of the present invention;

2 is a schematic flowchart of a payment method according to Embodiment 2 of the present invention;

3 is a schematic structural diagram of a payment platform according to Embodiment 3 of the present invention;

FIG. 4 is a schematic structural diagram of a terminal according to Embodiment 4 of the present invention.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention.

1 is a schematic flowchart of a payment method according to Embodiment 1 of the present invention. As shown in FIG. 1, the method includes:

101. The payment platform receives a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the paid terminal. Identifying, and sending the identifier of another terminal as the identifier of the payment terminal;

102. The payment platform searches for a financial account corresponding to the identifier of each terminal stored locally, and obtains a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

103. The payment platform completes payment according to the payment account, the account to be paid, and the payment information.

In an actual application, the payment account and the account to be paid may specifically be the bank card number of the user. Specifically, the user may perform authentication registration on the payment platform in advance through the terminal, and obtain an identifier uniquely corresponding to the terminal, where the identifier may be stored in the terminal, and the identifier and the financial information that the user needs to use, For example, there is a binding relationship between the information such as the bank card number that the user needs to use. Specifically, the binding relationship between the identifier of each terminal and the financial information is stored in the payment platform. Specifically, the form of the identifier may include, but is not limited to, an ID number and a two-dimensional code. That is to say, each terminal in this embodiment corresponds to a unique identifier, and the identifier corresponding to each terminal can be stored in the payment platform, and accordingly, it is assumed that the payment platform receives the label of a certain terminal. Knowledge, the payment platform can identify the terminal, thereby further identifying the corresponding financial information.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that needs to be used by the user. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank card information with the payment platform. . Correspondingly, the method may further include:

The payment platform receives a binding request sent by the terminal, where the binding request includes an identifier of the terminal and information of a financial account to be bound;

The payment platform updates the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.

Through the present embodiment, the user can conveniently and quickly update the bank card corresponding to the identifier of the terminal according to the actual needs of the user in the payment process, thereby improving the flexibility of payment.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment processing, and correspondingly, before 103, the method may further include:

Sending, by the payment platform, an acknowledgement request to the another terminal, where the confirmation request includes an identifier of the paid terminal and the payment information;

Receiving, by the payment platform, an acknowledgment response returned by the another terminal, where the acknowledgment response is sent by the payment terminal according to a confirmation instruction of the user;

Correspondingly, the payment platform completes the payment according to the payment account, the account to be paid, and the payment information, and specifically includes:

The payment platform completes the payment according to the confirmation response, the payment account number, the paid account number, and the payment information.

According to the present embodiment, before the actual payment is made to the user to be paid, the payment user is confirmed first, thereby further improving the security of the payment.

Specifically, in this embodiment, when the payment terminal needs to perform a face-to-face transaction with the terminal to be paid, if the identifier is in the form of an ID number, the payment terminal can communicate through NFC, Bluetooth, infrared, or manually. The identifier of the payment terminal is input to read the identifier of the payment terminal, or if the identifier is in the form of a two-dimensional code, the payment terminal can obtain the identifier of the payment terminal by scanning the two-dimensional code of the payment terminal. Specifically, the payment terminal may receive the response confirmation request, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns a confirmation response to the payment platform through the payment terminal after confirming that the information in the request is correct. The payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal according to the response to be The payment terminal is identified in the corresponding bank card, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal. Even if the terminal is lost, the financial information can be guaranteed not to be leaked, and the security of the payment can be improved.

Specifically, in this embodiment, the working process of the terminal may be referred to the solution provided in the second embodiment to be described later, and the embodiment is not described in detail herein.

The payment method provided in this embodiment receives a payment request sent by the terminal by using a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, and the payment platform searches for local information to obtain a corresponding payment account and is Paying the account and completing the payment plan, avoiding saving the user's financial information in the terminal, and ensuring that the user's financial information is not leaked even if the terminal is lost, thereby effectively improving the security of the payment.

FIG. 2 is a schematic flowchart of a payment method according to Embodiment 2 of the present invention. As shown in FIG. 2, when the terminal is used as a payment terminal, the method includes:

201. The terminal acquires an identifier of another terminal.

202. The terminal sends a payment request to a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information.

The identifier of the payment terminal is an identifier of the terminal, the identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for the storage in the payment platform. The financial account corresponding to the identifier of each terminal obtains the payment account and the account to be paid, and completes the payment.

Specifically, the identifier of the terminal can be obtained through multiple implementation manners, which is not limited in this embodiment. For example, the terminal may acquire the identifier of the another terminal by using the established wireless connection; for example, the terminal may obtain the identifier of the other terminal by scanning the two-dimensional code; for example, the terminal may The identifier of the other terminal input by the user is received through the interaction interface. It should be noted that although one of the above embodiments may be involved in a single payment process, the above embodiments may be implemented independently or in combination in practical applications.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment process, and then, in the embodiment, when the terminal is used as the payment terminal, after 202, The method may further include:

Receiving, by the terminal, an acknowledgement request sent by the payment platform, where the confirmation request includes an identifier of the paid terminal and the payment information;

The terminal returns an acknowledgment response to the payment platform according to a user instruction, so that the payment platform completes the payment according to the acknowledgment response.

Sending, by the terminal, a binding request to the payment platform, where the binding request includes an identifier of the terminal and information of a financial account to be bound, and the binding request is used to enable the payment platform to perform binding according to the binding The request is to update the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound.

In this embodiment, when the payment terminal needs to conduct a face-to-face transaction with the payment terminal, the payment terminal can communicate through a communication method such as NFC, Bluetooth, infrared, or the like, or by scanning a two-dimensional code of the payment terminal, or manually inputting the payment terminal. The identity of the payment terminal is read out. Specifically, the payment terminal may receive the response confirmation request, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns a confirmation response to the payment platform through the payment terminal after confirming that the information in the request is correct. The payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal. Even if the terminal is lost, the financial information can be guaranteed not to be leaked, and the security of the payment can be improved.

Specifically, in this embodiment, the working process of the payment platform may be referred to the solution provided in the foregoing Embodiment 1, and the embodiment is not described in detail herein.

The payment method provided by the embodiment sends a payment request to the payment platform by using the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, so that the payment platform searches for local information to obtain a corresponding payment account and The party that is paid the account and completes the payment In this case, the financial information of the user is saved in the terminal, and even if the terminal is lost, the financial information of the user is not leaked, and the security of the payment is effectively improved.

3 is a schematic structural diagram of a payment platform according to Embodiment 3 of the present invention. As shown in FIG. 3, the payment platform includes: a receiving module 31, a searching module 32, and a processing module 33;

The receiving module 31 is configured to receive a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the payment The identifier of the terminal, and the identifier of the other terminal is sent as the identifier of the payment terminal;

The searching module 32 is configured to search for a financial account corresponding to the identifier of each terminal stored locally, obtain a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

The processing module 33 is configured to complete the payment according to the payment account, the account to be paid, and the payment information.

In an actual application, the payment account and the account to be paid may specifically be the bank card number of the user. Specifically, the user may perform authentication registration on the payment platform in advance through the terminal, and obtain an identifier uniquely corresponding to the terminal, where the identifier may be stored in the terminal, and the identifier and the financial information that the user needs to use, For example, there is a binding relationship between the information such as the bank card number that the user needs to use. Specifically, the binding relationship between the identifier of each terminal and the financial information is stored in the payment platform. Specifically, the form of the identifier may include, but is not limited to, an ID number and a two-dimensional code. That is to say, each terminal in this embodiment corresponds to a unique identifier, and the identifier corresponding to each terminal can be stored in the payment platform. Accordingly, if the payment platform receives the identifier of a certain terminal, the payment platform can identify The terminal is located to further identify the corresponding financial information.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that needs to be used by the user. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank card information with the payment platform. . Correspondingly, the receiving module 31 is further configured to receive a binding request sent by the terminal, where the binding request includes the identifier of the terminal and the information of the financial account to be bound; the processing module 33 may also be used according to the The binding request is used to update the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment processing, and the payment platform may further include:

a sending module, configured to send, by the processing module 33, a confirmation request to the another terminal before the payment is completed according to the payment account, the paid account, and the payment information, where the confirmation request includes the paid terminal Identification and the payment information;

The receiving module 31 is further configured to receive an acknowledgment response returned by the another terminal, where the acknowledgment response is sent by the payment terminal according to a confirmation instruction of the user;

The processing module 33 is specifically configured to complete the payment according to the confirmation response, the payment account, the account to be paid, and the payment information.

Specifically, in this embodiment, when the payment terminal needs to perform a face-to-face transaction with the terminal to be paid, if the identifier is in the form of an ID number, the payment terminal can communicate through NFC, Bluetooth, infrared, or manually. The identifier of the payment terminal is input to read the identifier of the payment terminal, or if the identifier is in the form of a two-dimensional code, the payment terminal can obtain the identifier of the payment terminal by scanning the two-dimensional code of the payment terminal. Specifically, the payment terminal may receive the response confirmation request, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns a confirmation response to the payment platform through the payment terminal after confirming that the information in the request is correct. The payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal. Even if the terminal is lost, the financial information can be guaranteed not to be leaked, and the security of the payment can be improved.

The payment platform provided in this embodiment, according to the payment request sent by the terminal, includes the identifier of the payment terminal, the identifier of the payment terminal, and the payment information, searches for the local information, obtains the corresponding payment account and the account to be paid, and completes the payment. The solution avoids saving the user's financial information in the terminal, and even if the terminal is lost, the financial information of the user is not leaked, and the security of the payment is effectively improved.

4 is a schematic structural diagram of a terminal according to Embodiment 4 of the present invention. As shown in FIG. 4, the terminal includes: an obtaining module 41 and a sending module 42;

An obtaining module 41, configured to acquire an identifier of another terminal;

The sending module 42 is configured to send a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, The identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and Complete the payment.

The above process is specifically a working process when the terminal is used as a terminal to be paid. Specifically, the identifier of the terminal can be obtained through multiple implementation manners, which is not limited in this embodiment. For example, the obtaining module 41 is specifically configured to obtain the identifier of the another terminal by using the established wireless connection; for example, the obtaining module 41 is specifically configured to obtain the identifier of the another terminal by scanning the two-dimensional code; For example, the obtaining module 41 is specifically configured to receive, by using an interaction interface, an identifier of the another terminal input by the user. It should be noted that although one of the above embodiments may be involved in a single payment process, the above embodiments may be implemented independently or in combination in practical applications.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment process, and then, in the embodiment, when the terminal is used as the payment terminal, the terminal further The receiving module may be configured to receive the confirmation request sent by the payment platform, where the confirmation request includes the identifier of the paid terminal and the payment information, and the sending module 42 is further configured to: according to the user instruction, The payment platform returns a confirmation response to cause the payment platform to complete the payment in accordance with the confirmation response.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that needs to be used by the user. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank card information with the payment platform. . Correspondingly, the sending module 42 is further configured to send a binding request to the payment platform, where the binding request includes an identifier of the terminal and information of a financial account to be bound, and the binding request is used to make the binding The payment platform updates the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.

The terminal provided by the embodiment sends a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, so that the payment platform searches for local information to obtain a corresponding payment account and a paid account. And complete the payment plan, to avoid saving the user's financial information in the terminal, even if the terminal is lost, the user's financial information can be guaranteed not to be leaked, and the security of the payment is effectively improved.

A person skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the device described above can refer to the corresponding process in the foregoing method embodiments, and details are not described herein again.

One of ordinary skill in the art will appreciate that all or part of the steps to implement the various method embodiments described above may be accomplished by hardware associated with the program instructions. The aforementioned program can be stored in a computer readable storage medium. The program, when executed, performs the steps including the foregoing method embodiments; and the foregoing storage medium includes various media that can store program codes, such as a ROM, a RAM, a magnetic disk, or an optical disk.

Finally, it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, and are not intended to be limiting; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art will understand that The technical solutions described in the foregoing embodiments can still be A modification of the line, or equivalent replacement of some or all of the technical features, and the modifications or substitutions do not depart from the scope of the technical solutions of the embodiments of the present invention.

Claims

A payment method, comprising:

The payment platform receives a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the identifier of the paid terminal. And sending the identifier of the other terminal as the identifier of the payment terminal;

The payment platform searches for a financial account corresponding to the identifier of each terminal stored locally, and obtains a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

The payment platform completes the payment according to the payment account, the account to be paid, and the payment information.
The method according to claim 1, wherein the payment platform further comprises: before the payment is completed according to the payment account, the paid account, and the payment information, further comprising:

Sending, by the payment platform, an acknowledgement request to the another terminal, where the confirmation request includes an identifier of the paid terminal and the payment information;

Receiving, by the payment platform, an acknowledgment response returned by the another terminal, where the acknowledgment response is sent by the payment terminal according to a confirmation instruction of the user;

The payment platform completes the payment according to the payment account, the account to be paid, and the payment information, and specifically includes:

The payment platform completes the payment according to the confirmation response, the payment account number, the paid account number, and the payment information.
The method according to claim 1 or 2, wherein the method further comprises:

The payment platform receives a binding request sent by the terminal, where the binding request includes an identifier of the terminal and information of a financial account to be bound;

The payment platform updates the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.
A payment method, comprising:

The terminal acquires an identifier of another terminal;

The terminal sends a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, and the identifier of the payment terminal Identifying the identity of the other terminal, the payment request The payment platform is configured to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and complete the payment.
The method according to claim 4, wherein the acquiring the identifier of the other terminal by the terminal specifically includes:

Obtaining, by the established terminal, the identifier of the another terminal by using the established wireless connection; or

The terminal obtains the identifier of the other terminal by scanning the two-dimensional code; or

The terminal receives the identifier of the other terminal input by the user through the interaction interface.
A payment platform, comprising:

a receiving module, configured to receive a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the paid terminal And the identifier of the other terminal is sent as the identifier of the payment terminal;

a search module, configured to search for a financial account corresponding to the identifier of each terminal stored locally, obtain a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the terminated terminal;

And a processing module, configured to complete the payment according to the payment account, the account to be paid, and the payment information.
The payment platform according to claim 6, wherein the payment platform further comprises:

a sending module, configured to send a confirmation request to the another terminal, where the processing module completes the payment according to the payment account, the paid account, and the payment information, where the confirmation request includes the payment The identification of the terminal and the payment information;

The receiving module is further configured to receive an acknowledgment response returned by the another terminal, where the acknowledgment response is sent by the payment terminal according to a confirmation instruction of the user;

The processing module is specifically configured to complete payment according to the confirmation response, the payment account, the account to be paid, and the payment information.
A payment platform according to claim 6 or 7, wherein

The receiving module is further configured to receive a binding request sent by the terminal, where the binding request includes an identifier of the terminal and information of a financial account to be bound;

The processing module is further configured to: according to the binding request, the currently stored terminal The corresponding financial account is identified and updated to the financial account to be bound.
A terminal, comprising:

An obtaining module, configured to acquire an identifier of another terminal;

a sending module, configured to send a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, and the payment is The identifier of the terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and complete Pay.
The terminal according to claim 9, wherein

The acquiring module is specifically configured to acquire an identifier of the another terminal by using the established wireless connection; or

The acquiring module is specifically configured to obtain an identifier of the another terminal by scanning a two-dimensional code; or

The acquiring module is specifically configured to receive, by using an interaction interface, an identifier of the another terminal input by a user.