WO2018091001A1

WO2018091001A1 - Payment method and device, electronic device, and payment system

Info

Publication number: WO2018091001A1
Application number: PCT/CN2017/117759
Authority: WO
Inventors: 李成龙; 蒋义新
Original assignee: 深圳付贝科技有限公司
Priority date: 2016-11-21
Filing date: 2017-12-21
Publication date: 2018-05-24
Also published as: CN106779677A

Abstract

A payment method and device therefor, an electronic device, and a payment system. When a payment is conducted, a first terminal generates authentication information containing a payor identifier and launches a Bluetooth module of the first terminal, then, by means of the Bluetooth module, sends the payor identifier to a second terminal, allowing the second terminal and a server to complete payment. On the one hand, there is thus no need for the first terminal to connect to the Internet as the payor identifier is sent by the Bluetooth module, allowing a second terminal and a server to complete the payment without incurring expensive Internet traffic data charges. On the other hand, even when a payor is in a network non-connected state, the payor can conduct payment in respect of a vendor by means of a Bluetooth module; the range of payment activity of a payor is greatly increased, and payor local consumption, and economic development, are enhanced.

Description

Payment method and device thereof, electronic device and payment system

Technical field

The present application relates to the field of mobile payment technologies, and in particular, to a payment method and device thereof, an electronic device, and a payment system.

Background technique

With the improvement of living standards, people's needs are not only in material satisfaction, but also in spiritual satisfaction. In order to expand their horizons and relax, people are more inclined to go abroad and travel abroad. For example, Chinese people have been keen to travel to Southeast Asian countries in recent years. Southeast Asia is composed of many countries and has a wide variety of foreign currencies. Therefore, tourists need to exchange a certain amount of local foreign currency before traveling, in order to smooth consumption in the corresponding countries.

However, because tourists exchange large amounts of foreign currency under uncertain consumption factors, when tourists return, they leave a large amount of foreign currency that has not been consumed, thus reducing the turnover rate of funds. Moreover, according to the local merchants, due to various problems such as language exchanges between merchants and tourists, it is inconvenient to pay for tourists.

The prior art provides the following technical solution: when the consumer's mobile phone is connected to the Internet, the consumer can complete a certain amount of payment through the mobile phone, thereby eliminating the trouble of exchange of foreign currency.

In the process of implementing the present application, the inventor found that the related technology has the following problems: since the consumer's mobile phone is roaming abroad, when the Internet is connected, high traffic data charges are incurred, the payment cost is raised, and the consumer is not conducive to promoting the consumer. Local consumption.

Summary of the invention

The purpose of the embodiments of the present application is to provide a payment method, an apparatus, an electronic device, and a payment system, which solve the technical problem that the prior art needs to complete a payment operation by using a network to increase the payment cost.

To solve the above technical problem, the embodiment of the present application provides the following technical solutions:

In a first aspect, an embodiment of the present application provides a payment method, the method comprising: presenting an operation interface of the application in response to an operation of an application for opening a first terminal input by a payment party; Selecting a merchant selection operation in the merchant list of the operation interface, and detecting the payment operation performed by the payment party on the operation interface, generating authentication information for carrying the payment party identifier; The terminal establishes a Bluetooth connection, and detects that the second terminal sends the payment party identifier to the second terminal by using the Bluetooth connection when scanning the authentication information, so that the second terminal and the server complete Pay.

Optionally, the authentication information further carries a currency identifier for indicating a payment direction merchant payment currency type; the selecting operation of selecting a merchant is not detected in the merchant list of the operation interface, and the payment is detected When the payment operation performed by the operation interface is performed, the party generates the authentication information for carrying the identifier of the payment party, including: selecting the merchant selection operation in the merchant list of the operation interface is not detected, and detecting that the payment party is When the operation interface performs a currency selection operation and a payment operation for selecting a payment currency type, authentication information for carrying the payment party identifier and the currency identifier is generated.

Optionally, the method further includes: updating the authentication information when detecting that the paying party does not complete the payment operation within a preset time.

Optionally, the method further includes: when detecting a selection operation of the merchant and a payment operation of the payer in the merchant list of the operation interface, acquiring payment authentication information, and transmitting the payment authentication information to the server, In order for the server to complete the payment.

Optionally, the method further includes: acquiring device information of each Bluetooth device around the first terminal; uploading device information of each Bluetooth device to a server, so that the server sends the device to the first terminal A list of businesses that include device information for registered Bluetooth devices.

In a second aspect, an embodiment of the present application provides a payment device, where the payment device includes: a presentation module, configured to present an operation of the application for opening an application of the first terminal by a payment party An operation interface; a detection generating module, configured to perform a selection operation of selecting a merchant when the merchant list of the operation interface is not detected, and detecting that the payment party performs a payment operation on the operation interface, generating And the first detection sending module is configured to establish a Bluetooth connection with the second terminal of the merchant, and detect that the second terminal scans the authentication information, and the The payer identification is sent to the second terminal to cause the second terminal and the server to complete the payment.

Optionally, the authentication information further carries a currency identifier for indicating a payment direction merchant payment currency type; the detection generating module is further configured to: perform a selection operation of selecting a merchant when the merchant list of the operation interface is not detected And detecting, when the payment party performs a currency selection operation and a payment operation for selecting a payment currency type at the operation interface, generating authentication information for carrying the payment party identifier and the currency identifier.

Optionally, the device further includes: an update module, configured to update the authentication information when detecting that the paying party does not complete the payment operation within a preset time.

Optionally, the device further includes: a second detection sending module, configured to acquire payment authentication information when detecting a selection operation of the merchant and a payment operation of the payer in the merchant list of the operation interface, and The server transmits the payment authentication information to cause the server to complete the payment.

Optionally, the device further includes: an acquiring module, configured to acquire device information of each Bluetooth device around the first terminal; and an uploading module, configured to upload device information of the each Bluetooth device to the server, so that The server sends a merchant list including device information of the registered Bluetooth device to the first terminal.

In a third aspect, an embodiment of the present application provides an electronic device, including: at least one processor; and a memory communicatively coupled to the at least one process; wherein the memory is stored with the at least An instruction program executed by a processor, the instruction program being executed by the at least one processor to cause the at least one processor to perform the method described above.

In a fourth aspect, an embodiment of the present application provides a payment system, where the payment system includes a first terminal for performing the foregoing method.

In various embodiments of the present application, at the time of payment, the first terminal generates the authentication information for carrying the payment party identifier and activates the Bluetooth module of the first terminal, and sends the payment party identifier to the second terminal through the Bluetooth module, The second terminal and the server complete the payment. Therefore, on the one hand, instead of the first terminal connecting to the Internet, the payment party identifier can be transmitted through the Bluetooth module, so that the second terminal and the server complete the payment, thereby avoiding the high connection due to the connection to the Internet. On the other hand, even if the payer is in a state of no network, the payer can complete the payment through the Bluetooth module and the merchant, greatly expanding the payment range of the payer, thereby promoting the local consumption and economic development of the payer. .

DRAWINGS

The one or more embodiments are exemplified by the accompanying drawings in the accompanying drawings, and FIG. The figures in the drawings do not constitute a scale limitation unless otherwise stated.

1 is a schematic flowchart of a payment method according to an embodiment of the present application;

2 is a schematic flowchart of a payment method according to another embodiment of the present application;

3 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application;

FIG. 4 is a schematic structural diagram of a payment apparatus according to another embodiment of the present disclosure.

FIG. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

detailed description

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The payment method of the embodiment of the present application may be executed in a user terminal of any suitable type of processor having a user interaction device and computing capability, such as a desktop computer, a smart phone, a tablet computer, and other user terminals.

The payment device of the embodiment of the present application can be used as one of the software or hardware functional units, and can be independently set in the user terminal, or can be used as one of the functional modules integrated in the processor to execute the payment method of the embodiment of the present application.

FIG. 1 is a schematic flowchart diagram of a payment method according to an embodiment of the present application. As shown in FIG. 1, the payment method includes

Step 0100: In response to an operation of the application for opening the first terminal input by the paying party, presenting an operation interface of the application;

At the time of payment, when the paying party inputs an operation for opening the application of the first terminal at the first terminal, the first terminal responds to the operation, thereby presenting an operation interface of the application. Before the payer operates the application of the first terminal, the application is pre-installed on the first terminal, where the application is named the payment application. The payment application is used to cooperate with the payer's operation to complete the payment operation with the merchant's terminal device or the back-end payment server. The operation interface of the payment application includes a user login entry, a user balance, a payment button, a currency type, a merchant list, an entertainment service, and the like, so that the payer can pre-store a certain amount through the payment application for payment. Further, the paying party may bind a credit card (such as VISA, MASTER, etc.) or a payment account to the payment application, wherein a sub-account of multiple currencies (eg, MYR, SGD, THB, HKD) may be established under the payment account. , IDR, etc.), the payer can preferentially set which sub-account to use for payment or payment account for payment.

The paying party can register and log in on the operation interface of the payment application, and the payment party corresponds to an identity after registration or after login. Further, the identity identifier may correspond to an account of the payment party in the payment application, and may also be a device identifier corresponding to the first terminal when the payment party registers. The device identifier can be an ADID device identifier, an Android ID device identifier, and a mobile device international identifier (International Mobile) Equipment Identity, IMEI device identification).

The operations input by the payer can be click operation, double click operation, long press operation, drag operation, and the like. In the general case, the operation of this embodiment is more a click operation.

Those skilled in the art will appreciate that the first terminal should have a touch sensitive surface, which may be a touch screen display, which may be a touch pad. The touch-sensitive surface acts as an input interface for user operations that can detect the user's operation on a touch-sensitive surface that can click, double-click, slide, long-press, drag, and the like on the touch-sensitive surface. Each time the user operates, a certain pressure intensity is generated on the touch-sensitive surface, which can be detected using various methods and various sensors or a combination of various sensors. For example, by detecting the magnitude of the change in the capacitance of the touch-sensitive surface on the touch-sensitive surface, or detecting the magnitude of the change in the resistance of the touch-sensitive surface, or detecting the magnitude of the change in capacitance and the magnitude of the change in resistance of the touch-sensitive surface, and the like. In the above process, the pressure intensity generated by the touch-sensitive surface is converted into an electrical signal by the sensor, and the first terminal distributes the control command generated by the user on the touch-sensitive surface according to the electrical signal, and receives and processes the operation event. .

Further, the first terminal may be a smart phone, a computer, a personal digital assistant (PDA), a tablet computer, a smart watch, an e-book, or the like. It should be considered that in addition to supporting the installation of payment applications, the terminal also supports the installation of various applications, such as one or more of the following applications: drawing application, presentation application, word processing application, spreadsheet Applications, gaming applications, telephony applications, video conferencing applications, email applications, instant messaging applications, training support applications, photo management applications, digital camera applications, digital video recorder applications, web browsing applications , digital music player applications, digital video player applications, and more.

Further, the operating system supported by the first terminal may be Android, Linux, Windows, iOS, and other embedded operating systems.

Step 0102: Perform a selection operation of selecting a merchant in the merchant list of the operation interface, and detect the payment operation performed by the payment party on the operation interface, and generate authentication information for carrying the identifier of the payment party;

The merchant list is used to display various merchant information of the neighboring payer. For example, the merchant list includes A coffee shop, B fast food restaurant, C clothing store, D store, and the like, wherein the business list also displays A coffee shop and payer side. The distance between the B is more than 100 meters, the distance between the B fast food restaurant and the payer is 80 meters to 90 meters, and so on, in the state where the first terminal can connect to the Internet, the payer can select the corresponding one in the merchant list. Merchants make payments and spend. However, the first terminal of the payer cannot access the Internet, or the current location of the Internet signal is so weak that the first terminal fails to connect to the network, or when there is no Internet hotspot near the payer, the payer cannot select the corresponding in the merchant list. Merchants make payments and spend.

When the first terminal is in the disconnected state, the paying party clicks the payment button on the operation interface of the payment application to perform the payment operation, and the first terminal does not detect the merchant list in the operation interface to perform the selection operation of the merchant. And detecting the payment operation performed by the payer on the operation interface, the first terminal generates the authentication information, so that the payment in the state that the first terminal is in the disconnected state is completed. The authentication information carries the payer identifier. The authentication information may be a two-dimensional code, a barcode, and other forms of authentication code, the payee identifier including the identity information of the payer and the MAC address of the first terminal.

In some embodiments, in order to enhance the security of the payment, the first terminal updates the authentication information when detecting that the paying party has not completed the payment operation within the preset time. For example, when the authentication information is a two-dimensional code, the first terminal generates a unique two-dimensional code having a three-minute aging at intervals, and the two-dimensional code is encrypted using an encryption algorithm, for example, the encryption algorithm may be RFC6238 ( Dynamic password based on time count), RFC4226 (an algorithm based on HMAC-based dynamic password) and so on.

In some embodiments, the authentication information also carries a currency identifier for indicating the payment direction of the merchant to pay the currency type. Therefore, when the payer performs the payment operation, the payer can also select the corresponding type of currency according to the local currency. Make a payment. Therefore, the first terminal performs a selection operation of selecting a merchant without detecting the merchant list in the operation interface, and detects that the payment party performs a currency selection operation and a payment operation for selecting a payment currency type at the operation interface, and generates Carry the authentication information of the payer's logo and currency identifier. Currency types include Malaysian Ringgit MYR, Singapore Dollar SGD, Thai Baht THB, Hong Kong Dollar HKD, Indonesian Rupee IDR and many more. Therefore, when tourists travel to Thailand, they can choose to pay for the Thai baht and travel to Singapore. They can choose to pay in Singapore dollars, which greatly facilitates the payment of tourists and promotes the development of local economy and tourism.

Step 0104: Establish a Bluetooth connection with the second terminal of the merchant, and detect that the second terminal sends the payment party identifier to the second terminal through the Bluetooth connection when the authentication information is scanned, so that the second terminal and the server complete the payment.

In this embodiment, the second terminal of the merchant may be a mobile phone carrying a Bluetooth module, and may be a POS device carrying a Bluetooth module.

When detecting that the payment party performs the payment operation, the first terminal automatically starts the Bluetooth module. Therefore, the first terminal searches for the second terminal through the Bluetooth module, and establishes a Bluetooth connection with the second terminal. The merchant opens and logs in the payment application at the second terminal, or activates the POS machine at the second terminal, and inputs the amount of the payment by the payment application or the POS machine, and the first terminal scans the authentication information when the merchant uses the second terminal The payer identification is sent to the second terminal via a Bluetooth connection. Further, the second terminal sends the payer identifier to the server in the background, and the server verifies the identity information and the device information of the payer. If the verification succeeds, the payment is completed, and the payment information is sent to the payer, and the payment information is sent to the Merchant.

In this embodiment, the payment method is adopted. On the one hand, the first terminal can connect to the Internet, and the payment party identifier can be transmitted through the Bluetooth module, so that the second terminal and the server complete the payment, thereby avoiding high connection due to the connection to the Internet. On the other hand, even if the payer is in a state of no network, the payer can complete the payment through the Bluetooth module and the merchant, greatly expanding the payment range of the payer, thereby promoting the local consumption and economic development of the payer. .

In some embodiments, the second terminal of the merchant is not able to access the internet, however, the first terminal of the payer is able to access the internet. For example, in some application scenarios, the merchant may be a food street vendor, and the payer may be to a local. In order to make the payment between the hawker and the local person more convenient, optionally, as shown in FIG. 2, the payment method further includes:

Step 0106: When detecting the selection operation of the merchant and the payment operation of the payer in the merchant list of the operation interface, the payment authentication information is acquired, and the payment authentication information is sent to the server, so that the server completes the payment.

The payer can select a merchant's selection operation, enter a payment amount, and perform a payment operation in the merchant list of the operation interface. In some embodiments, the paying party may also select a payment currency type. When the first terminal detects the selection operation and the payment operation, the payment authentication information is acquired, wherein the payment authentication information may be air signature information, fingerprint identification voucher information, password information, and the like. The first terminal sends the payment authentication information to the server, so that the server completes the payment operation according to the pre-payment logic. After the payment is successful, the server sends the payment information to the payer and sends the payment information to the merchant. When the paying party pays the wrong payment to the merchant, the server sends an operation flow to each terminal to avoid some misoperations of the payer.

In some embodiments, in order to obtain individual merchant information in the vicinity of the first terminal, since the second terminal of the merchant is not able to connect to the Internet, the first terminal of the payer is not able to "collect the merchant information and send it to the Internet via the prior art as in the prior art. A terminal" gets the business information. However, in this embodiment, optionally, the first terminal may establish a Bluetooth connection with the second terminal of each merchant, and construct the merchant list information by using a Bluetooth method. Specifically, the first terminal acquires device information of each Bluetooth device (second terminal of each merchant) around it, and uploads device information of each Bluetooth device to the server. The server analyzes the device information of each Bluetooth device. If the Bluetooth device has been legally registered, the server retains the Bluetooth device in the merchant list sent to the first terminal. If the Bluetooth device has not been registered, the server filters the Bluetooth device in the merchant list. Therefore, the merchant list sent by the server to the first terminal includes the registered Bluetooth device. Therefore, the payer can select the corresponding merchant to make a payment in the merchant list.

In some embodiments, when both the first terminal and the second terminal are free to access the Internet, the paying party does not need to know the other party's mobile phone number when paying, nor does it need to scan the QR code or add the other party as a friend, the paying party and the other party. Log in to the payment application on the respective terminal, select the type of payment currency, the payer opens the nearby payee user, selects the correct payee, and enters the payment amount, clicks on the transfer, completes the air signature or fingerprint identification or enters the password, thereby Complete the payment to the other party.

FIG. 3 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application. As shown in FIG. 3, the payment device 30 includes a presentation module 301, a detection generation module 302, and a first detection transmission module 303. The presentation module 301 is configured to present an operation interface of the application in response to an operation of the application for opening the first terminal input by the payer. The detection generation module 302 is configured to perform a selection operation of selecting a merchant when the merchant list on the operation interface is not detected, and detect the payment information for carrying the payment party identifier when the payment party performs the payment operation performed by the operation interface. The first detection sending module 303 is configured to establish a Bluetooth connection with the second terminal of the merchant, and detect that the second terminal sends the payment party identifier to the second terminal by using a Bluetooth connection when scanning the authentication information, so that the second terminal and The server completes the payment.

Since the device embodiments of the present application are based on the same application concept as the method embodiments of the present application, the technical solutions in the method embodiments are also applicable to the device embodiments, and therefore, details are not described in the device embodiments of the present application.

In this embodiment, the payment device is adopted. On the one hand, the first terminal can be connected to the Internet without using the first terminal, and the payment party identifier can be transmitted through the Bluetooth module, so that the second terminal and the server complete the payment, thereby avoiding the high connection due to the connection to the Internet. On the other hand, even if the payer is in a state of no network, the payer can complete the payment through the Bluetooth module and the merchant, greatly expanding the payment range of the payer, thereby promoting the local consumption and economic development of the payer. .

FIG. 4 is a schematic structural diagram of a payment apparatus according to another embodiment of the present application. As shown in FIG. 4, the payment device 40 includes a presentation module 401, a detection generation module 402, and a first detection transmission module 403. The presentation module 401 is configured to present an operation interface of the application in response to an operation of the application for opening the first terminal input by the payer. The detection generating module 402 is configured to perform a selection operation of selecting a merchant without detecting a merchant list on the operation interface, and detecting authentication information for carrying the payment party identifier when the payment party performs a payment operation performed by the operation interface. The first detection sending module 403 is configured to establish a Bluetooth connection with the second terminal of the merchant, and detect that the second terminal sends the payment party identifier to the second terminal through the Bluetooth connection when scanning the authentication information, so that the second terminal and The server completes the payment.

Optionally, the authentication information also carries a currency identifier indicating the type of payment the merchant pays for the currency. The detection generation module 402 is further configured to: perform a selection operation of selecting a merchant when the merchant list of the operation interface is not detected, and detect a currency selection operation and a payment operation for selecting a payment currency type performed by the payment party on the operation interface, Generate authentication information for carrying the payer identification and the currency identifier.

Optionally, the payment device 40 further includes an update module 404. The update module 404 is configured to update the authentication information when it is detected that the payment party has not completed the payment operation within a preset time.

Optionally, the payment device 40 further includes a second detection sending module 405. The second detection sending module 405 is configured to acquire payment authentication information when detecting a selection operation of the merchant and a payment operation of the payer in the merchant list of the operation interface, and send the payment authentication information to the server to enable the server to complete the payment.

Optionally, the payment device 40 further includes an obtaining module 406 and an uploading module 407. The obtaining module 406 is configured to obtain device information of each Bluetooth device around the first terminal. The uploading module 407 is configured to upload device information of each Bluetooth device to the server, so that the server sends the merchant list including the device information of the registered Bluetooth device to the first terminal.

As another aspect of the present application, an embodiment of the present application provides a payment system. The payment system includes a first terminal for performing the method as shown in Figures 1 and 2.

In this embodiment, the payment system is adopted. On the one hand, it can transmit the payment party identifier through the Bluetooth module without the first terminal connecting to the Internet, so that the second terminal and the server complete the payment, thereby avoiding the high connection due to the connection to the Internet. On the other hand, even if the payer is in a state of no network, the payer can complete the payment through the Bluetooth module and the merchant, greatly expanding the payment range of the payer, thereby promoting the local consumption and economic development of the payer. .

FIG. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in FIG. 5, the electronic device 50 includes one or more processors 501 and a memory 502. Wherein, one processor 501 is taken as an example in FIG.

The processor 501 and the memory 502 may be connected by a bus or other means, as exemplified by a bus connection in FIG.

The memory 502 is a non-volatile computer readable storage medium and can be used for storing a non-volatile software program, a non-volatile computer executable program, and a module, such as a program instruction corresponding to the payment method in the embodiment of the present application. Modules (eg, the various modules described in Figures 3 and 4). The processor 501 executes various functional applications and data processing of the payment device by executing non-volatile software programs, instructions, and modules stored in the memory 502, that is, implementing the above-described method embodiment payment method and each of the above-described device embodiments The function of the module.

Memory 502 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 502 can optionally include memory remotely located relative to processor 501, which can be coupled to processor 501 via a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The program instructions/modules are stored in the memory 502, and when executed by the one or more processors 501, perform a payment method in any of the above method embodiments, for example, performing the above described FIG. 1 and FIG. The various steps shown; the various modules described in Figures 3 and 4 can also be implemented.

The electronic device 50 of the embodiment of the present application exists in various forms, and performs the steps shown in FIG. 1 and FIG. 2 described above; when the respective modules described in FIG. 3 and FIG. 4 can also be implemented, the electronic device 50 including but not limited to:

(1) Mobile communication devices: These devices are characterized by mobile communication functions and are mainly aimed at providing voice and data communication. Such terminals include: smart phones (such as iPhone), multimedia phones, functional phones, and low-end phones.

(2) Ultra-mobile PC devices: These devices belong to the category of personal computers, have computing and processing functions, and generally have mobile Internet access. Such terminals include: PDAs, MIDs, and UMPC devices, such as the iPad.

(3) Portable entertainment devices: These devices can display and play video content, and generally have mobile Internet access. Such devices include: video players, handheld game consoles, as well as smart toys and portable car navigation devices.

(4) Other electronic devices with video playback and Internet access.

The embodiment of the present application further provides a non-volatile computer storage medium storing computer-executable instructions executed by one or more processors, such as one of the processes in FIG. The 501 may be configured to enable the one or more processors to perform the payment method in any of the foregoing method embodiments, for example, to perform the payment method in any of the above method embodiments, for example, to perform the above described FIG. 1 and FIG. The various steps described in Figures 3 and 4 can also be implemented.

The apparatus or device embodiments described above are merely illustrative, wherein the unit modules described as separate components may or may not be physically separate, and the components displayed as modular units may or may not be physical units. , can be located in one place, or can be distributed to multiple network module units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

Through the description of the above embodiments, those skilled in the art can clearly understand that the various embodiments can be implemented by means of software plus a general hardware platform, and of course, by hardware. Based on such understanding, the above technical solutions may be embodied in the form of software products in essence or in the form of software products, which may be stored in a computer readable storage medium such as a ROM/RAM or a disk. , an optical disk, etc., includes instructions for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various embodiments or portions of the embodiments.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, and are not limited thereto; in the idea of the present application, the technical features in the above embodiments or different embodiments may also be combined. The steps may be carried out in any order, and there are many other variations of the various aspects of the present application as described above, which are not provided in the details for the sake of brevity; although the present application has been described in detail with reference to the foregoing embodiments, The skilled person should understand that the technical solutions described in the foregoing embodiments may be modified, or some of the technical features may be equivalently replaced; and the modifications or substitutions do not deviate from the embodiments of the present application. The scope of the technical solution.

Claims

A payment method, characterized in that it comprises

Presenting an operation interface of the application in response to an operation of the application for opening the first terminal input by the payer;

Generating a selection operation for selecting a merchant on the merchant list of the operation interface, and detecting the payment operation performed by the payment party on the operation interface, generating authentication information for carrying the payment party identifier;

Establishing a Bluetooth connection with the second terminal of the merchant, and detecting that the second terminal sends the payment party identifier to the second terminal through the Bluetooth connection when scanning the authentication information, so that the The second terminal and the server complete the payment.
The method according to claim 1, wherein said authentication information further carries a currency identifier for indicating a payment type of money paid by the merchant;

The selecting operation of selecting a merchant is not detected in the merchant list of the operation interface, and detecting the payment operation performed by the paying party on the operation interface, generating authentication information for carrying the identifier of the paying party, include:

Selecting a merchant selection operation without detecting a merchant list in the operation interface, and detecting a money selection operation and a payment operation for selecting a payment currency type by the payer at the operation interface, generating for carrying The authentication information of the payer's logo and the currency identifier.
The method of claim 1 further comprising:

The authentication information is updated when it is detected that the paying party does not complete the payment operation within a preset time.
The method according to any one of claims 1 to 3, wherein the method further comprises:

Upon detecting the selection operation of the merchant and the payment operation of the payer in the merchant list of the operation interface, the payment authentication information is acquired, and the payment authentication information is transmitted to the server to cause the server to complete the payment.
The method of claim 4, wherein the method further comprises:

Obtaining device information of each Bluetooth device around the first terminal;

Uploading the device information of the respective Bluetooth devices to the server, so that the server sends the merchant list including the device information of the registered Bluetooth devices to the first terminal.
A payment device, comprising:

a presentation module, configured to present an operation interface of the application in response to an operation of the application for opening the first terminal input by the payment party;

a detection generating module, configured to perform a selection operation of selecting a merchant when the merchant list of the operation interface is not detected, and detecting a payment operation performed by the payment party on the operation interface, generating a identifier for carrying a payment party Certification information;

a first detection sending module, configured to establish a Bluetooth connection with the second terminal of the merchant, and detect that the second terminal sends the payment party identifier to the a second terminal to enable the second terminal and the server to complete the payment.
The apparatus according to claim 6, wherein said authentication information further carries a currency identifier for indicating a payment type of money paid by the merchant;

The detection generation module is further configured to:

Selecting a merchant selection operation without detecting a merchant list in the operation interface, and detecting a money selection operation and a payment operation for selecting a payment currency type by the payer at the operation interface, generating for carrying The authentication information of the payer's logo and the currency identifier.
The device according to claim 6, wherein the device further comprises:

And an update module, configured to update the authentication information when detecting that the paying party does not complete the payment operation within a preset time.
The device according to any one of claims 6 to 8, wherein the device further comprises:

a second detection sending module, configured to acquire payment authentication information when detecting a selection operation of the merchant and a payment operation of the payer in the merchant list of the operation interface, and send the payment authentication information to the server, so that The server completes the payment.
The device according to claim 9, wherein the device further comprises:

An acquiring module, configured to acquire device information of each Bluetooth device around the first terminal;

And a uploading module, configured to upload the device information of the each Bluetooth device to the server, so that the server sends the merchant list including the device information of the registered Bluetooth device to the first terminal.
An electronic device, comprising:

At least one processor;

a memory communicatively coupled to the at least one processing; wherein the memory stores an instruction program executable by the at least one processor, the instruction program being executed by the at least one processor to cause the at least one A processor is operative to perform the method of any one of claims 1 to 5.
A payment system, comprising a first terminal for performing the method of any one of claims 1 to 5.