WO2018171272A1

WO2018171272A1 - Payment method and device, system and electronic apparatus thereof

Info

Publication number: WO2018171272A1
Application number: PCT/CN2017/117760
Authority: WO
Inventors: 李成龙; 蒋义新
Original assignee: 深圳付贝科技有限公司
Priority date: 2017-03-22
Filing date: 2017-12-21
Publication date: 2018-09-27
Also published as: CN107122969A

Abstract

Disclosed are a payment method and a device, system and electronic apparatus thereof, the payment method comprising: acquiring a Bluetooth identity identifier of a customer terminal on the basis of a Bluetooth connection (10); constructing and displaying a customer list according to the Bluetooth identity identifier (11); and in response to an operation by a merchant of selecting a customer waiting to pay from the customer list, sending payment information to the customer terminal so as to enable the customer to complete a payment according to the payment information (12). In this way, the customer can complete a payment without using the customer terminal to generate a QR code or a bar code during the whole payment process, thereby simplifying the payment procedures. Further, the customer is able to pay only after confirming that the payment amount and other information are correct according to the payment information, thus ensuring and enhancing payment security for the customer.

Description

Payment method, device, system and electronic device thereof

Technical field

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

Background technique

With the development of mobile payment systems, people can easily complete payments through mobile terminals.

The prior art provides a mobile payment method in which a customer enters a payment amount by opening an online payment application and generating a two-dimensional code or barcode for payment in the payment application when the customer needs to pay, And the scan code gun is used to scan the QR code of the customer terminal to complete the payment.

However, in the process of implementing the present application, the inventors have found that the related art has at least the following problems: the existing payment process is too cumbersome, and when the customer's payment amount is deducted, the customer has not been able to complete the payment amount. Deduction of the payment amount. This payment method is not safe for the customer.

Summary of the invention

An object of the embodiments of the present application is to provide a payment method, an apparatus, a system thereof and an electronic device, which solve the technical problem that the existing payment process is too cumbersome and unsafe.

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 discloses a payment method, where the payment method includes:

Obtaining a Bluetooth identity of the customer terminal based on the Bluetooth connection;

Constructing and presenting a customer list based on the Bluetooth identity;

In response to the merchant performing an operation of selecting a customer to be paid in the customer list, payment information is transmitted to the customer terminal to cause the customer to complete the payment based on the payment information.

Optionally, the customer list includes customer information, and the customer information is associated with the Bluetooth identity.

Optionally, the constructing and presenting the customer list according to the Bluetooth identity identifier includes:

Determining, according to the Bluetooth identity identifier, whether to store customer information associated with the Bluetooth identity identifier;

If yes, constructing and presenting the customer list according to customer information associated with the Bluetooth identity;

If not, sending instruction information to the customer terminal, the instruction information being used to instruct the customer terminal to jump to the preset download URL of the application.

Optionally, in response to the merchant performing an operation of selecting a customer to be paid in the customer list, sending payment information to the customer terminal to enable the customer to complete payment according to the payment information, including:

Sending payment information to the customer terminal in response to an operation of the merchant selecting a customer to be paid in the customer list according to a Bluetooth signal strength, wherein the Bluetooth signal strength is a Bluetooth signal strength between the merchant terminal and the customer terminal;

When receiving the payment information that the customer completes the payment at the customer terminal according to the payment information, the customer is debited according to the balance of the customer.

Optionally, the customer information corresponds to a Bluetooth signal strength;

The merchant selects an operation of the customer to be paid in the customer list according to the Bluetooth signal strength, including:

The merchant selects the customer information corresponding to the strongest Bluetooth signal strength from the customer list as the customer to be paid.

Optionally, the sending, to the customer terminal, the payment information, in response to the operation of the merchant selecting the to-be-paid customer in the customer list according to the Bluetooth signal strength, includes:

Retrieving, according to the Bluetooth signal strength, the operation of the customer to be paid in the customer list according to the Bluetooth signal strength, acquiring the historical purchase record of the customer to be paid according to the Bluetooth identity corresponding to the customer to be paid;

The product information and the payment information are transmitted to the customer terminal according to the historical purchase record of the customer to be paid.

Optionally, the payment information includes current product purchase information and a total amount of payment, and the product information includes a recommended product;

Sending the product information and the payment information to the customer terminal according to the historical purchase record of the customer to be paid, including:

Determining whether the historical purchase record of the customer to be paid has a product corresponding to the current product purchase information;

If yes, sending the recommended product and payment information corresponding to the maximum number of purchases to the customer terminal;

If not, the product corresponding to the current merchandise purchase information is added to the historical purchase record, and the payment information is transmitted to the terminal.

In a second aspect, an embodiment of the present application provides a payment device, where the payment device includes:

An obtaining module, configured to acquire a Bluetooth identity of the customer terminal based on the Bluetooth connection;

a building module, configured to construct and present a customer list according to the Bluetooth identity identifier;

And a sending module, configured to send payment information to the customer terminal in response to the merchant performing an operation of selecting a customer to be paid in the customer list, so that the customer completes the payment according to the payment information.

In a third aspect, an embodiment of the present application provides a payment system, where the payment system includes a customer terminal and a merchant terminal for performing the payment method described above.

In a fourth aspect, an embodiment of the present application provides an electronic device, where the electronic device includes:

At least one processor;

a memory communicatively coupled to the at least one processing; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor Can be used to perform the payment method described above.

In various embodiments of the present application, when the customer pays, the merchant terminal of the merchant establishes a Bluetooth connection with the customer terminal of the customer, and based on the Bluetooth connection, the merchant terminal acquires the Bluetooth identity of the customer terminal, and the merchant terminal can identify the Bluetooth identity according to the Bluetooth identity. Build and present a list of customers to the merchant. Thus, the merchant can select a customer to be paid in the customer list, and the merchant terminal sends payment information to the customer terminal in response to the merchant's operation of selecting the customer to be paid in the customer list, so that the customer completes the payment according to the payment information. Therefore, in the payment process, customers do not need to scan the code, which is fast and convenient. It is also possible to complete the payment after determining the payment amount, thereby ensuring that the customer can make a secure payment.

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 diagram of a payment application scenario according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a customer list according to an embodiment of the present application; FIG.

4 is a schematic flow chart of step 12 in FIG. 1;

Figure 5 is a schematic flow chart of step 121 in Figure 4;

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

FIG. 7 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 10: Obtain a Bluetooth identity identifier of the client terminal based on the Bluetooth connection;

As shown in FIG. 2, when the customer 21 needs to pay, the customer 21 and the merchant 22 respectively open the Bluetooth function of the customer terminal 23 and the Bluetooth function of the merchant terminal 24, and a Bluetooth connection is established between the customer terminal 23 and the merchant terminal 24, and The payment operation is completed based on the Bluetooth connection.

In some embodiments, based on the content taught above, the customer 21 and the merchant 22 may also complete the above-described taught content based on the payment application. Specifically, the customer terminal of the customer 21 and the merchant terminal of the merchant 22 can each run a payment application, that is, the payment application can be loaded and run on each of the above terminals, and the loading of the payment application can be the above-mentioned respective terminals from the Internet. The major application application market downloads are obtained, and may also be carried by the respective terminals themselves. When the customer 21 needs to pay, the customer 21 and the merchant 22 activate the Bluetooth application of the respective terminal by opening the payment application of the respective terminal, and thereby establish a Bluetooth connection. In some embodiments, the user can register an account with the payment application, have a password for an account that can log in to the payment application, and can also pre-store a certain amount on the account of the account, and when the payment is made, the user can The account of the payment application is charged or stored. On the account of the payment application, the user can upload his or her real avatar and name as the identifier of the account. When determining the customer to be paid, the merchant can directly determine whether the user is paying according to the real avatar and name of the user. Customer.

As described above, after the customer terminal 23 establishes a Bluetooth connection with the merchant terminal 24, the merchant terminal 24 acquires the Bluetooth identity of the customer terminal 23 based on the Bluetooth connection, the Bluetooth identity being the ID (identity) of the Bluetooth module of the customer terminal 23. , it is unique. And, the Bluetooth identity is uniquely associated with an account that the user is registered with in the payment application. The merchant terminal 24 can further determine the customer's account number by determining the Bluetooth identity.

In some embodiments, the Bluetooth module of merchant terminal 24 and customer terminal 23 may be a Bluetooth 4.0 low power protocol.

Step 11. Build and present a customer list according to the Bluetooth identity identifier;

The merchant terminal 24 detects the customer terminal 23 in the vicinity and acquires the Bluetooth identity of all the customer terminals 23 of the surrounding attachment. The merchant terminal 24 can construct a customer list based on the Bluetooth identity. Wherein, as shown in FIG. 3, the customer list includes customer information, and the customer information may be a customer avatar and a customer name.

In some embodiments, the customer information is associated with a Bluetooth identity. By associating the customer information with the Bluetooth identity, the merchant terminal 24 can quickly validate the corresponding customer information based on the Bluetooth identity when constructing and presenting the customer list and construct and present the customer list based on the customer information.

Step 12: In response to the merchant performing an operation of selecting a customer to be paid in the customer list, sending payment information to the customer terminal, so that the customer completes the payment according to the payment information.

The merchant can browse the nearby customers in the customer list and select the paying customers from the customer list to make the payment. The merchant terminal 24 then transmits payment information to the customer terminal 23 in response to the merchant performing an operation of selecting a customer to be paid in the customer list, wherein the payment information includes current merchandise purchase information, total payment amount, payment currency, and the like, for example, a customer A buys two bottles of beer, and the merchant terminal 24 pushes the current product purchase information (two bottles of beer), the total payment amount (25 pieces), the payment currency (RMB RMB, Malaysian Ringgit MYR, Singapore) to the customer terminal 23 of the customer A. Yuan SGD, Thai Baht THB, Hong Kong Dollar HKD, Indonesian Rupee IDR), in which customer A can choose the corresponding currency for payment.

After the customer's customer terminal receives the payment information and confirms that the payment information is correct, the payment password or fingerprint or air signature is entered to complete the payment.

The customer can complete the payment during the entire payment process without using the customer terminal to generate a QR code or barcode, thereby simplifying the payment process. Moreover, the customer can confirm the payment amount and other information according to the payment information before making payment, thereby ensuring the security of the customer payment.

In some embodiments, upon constructing and presenting the customer list, the merchant terminal 24 determines whether to pre-store the customer information associated with the Bluetooth identity based on the Bluetooth identity. If so, the customer list is constructed according to the customer information associated with the Bluetooth identity. Specifically, the merchant terminal 24 traverses the memory according to the Bluetooth identity, finds the corresponding customer information, and constructs the customer information into the customer list and presents to the merchant terminal. 24 desktops. If not, the command information is sent to the customer terminal 23, the command information being used to instruct the customer terminal 23 to jump to the preset download URL of the application. The customer terminal 23 can open the preset download URL by using a browser, and download an application from the preset download URL, and the application can be the payment application described in each of the above embodiments, so that the customer can complete the payment through the payment application. .

In some embodiments, after the customer terminal 23 establishes a Bluetooth connection with the merchant terminal 24, the merchant can browse the Bluetooth signal strength between each customer terminal and the merchant terminal through the customer list of the merchant terminal 24, and use the Bluetooth signal strength. Determine if the customer is a customer to be paid. Therefore, as shown in FIG. 4, step 12 includes:

Step 121: Send payment information to the customer terminal in response to the operation of the merchant selecting the customer to be paid according to the Bluetooth signal strength according to the Bluetooth signal strength;

Step 122: When receiving the payment information that the customer completes the payment according to the payment information at the customer terminal, the customer deducts the payment according to the balance of the customer.

The customer information corresponds to the Bluetooth signal strength, and the closer the distance between the merchant terminal 24 and the customer terminal 23 is, the stronger the Bluetooth signal strength is, and the farther the distance is, the weaker the Bluetooth signal strength is. Therefore, when the merchant selects a customer to be paid from the customer list, the merchant can select the customer information corresponding to the strongest Bluetooth signal strength from the customer list as the customer to be paid.

At the time of deduction, when it is judged that the balance of the customer is insufficient to pay, the balance shortage information is generated and pushed to the customer terminal 23. When it is determined that the balance of the customer is sufficient to pay, the customer's balance is debited.

By further determining the customer to be paid based on the Bluetooth signal strength, it is possible to reliably increase the merchant's debit operation.

In some embodiments, a customer may purchase different items at the same store for different time periods, so the customer may reserve a historical purchase record at the store. By performing a big data analysis on the customer's historical purchase record, the customer's preferences can be obtained. In the existing personalized advertisement recommendation system, the client login account enters the purchase website and accesses the server, and the server receives the trigger of the client, acquires corresponding personalized data according to the account of the client, and pushes the personalized data to the client. When too many clients access the server, this method will increase the running load of the server, and the client can only trigger the server for big data analysis and personalized advertising through the Internet. However, in this embodiment, the merchant can selectively select a paying customer in the customer list and based on the Bluetooth connection so that the customer terminal triggers the merchant terminal for personalized analysis. Specifically, as shown in FIG. 5, step 121 includes:

Step 1211: In response to the operation of the merchant selecting a customer to be paid according to the Bluetooth signal strength according to the Bluetooth signal strength, obtaining a historical purchase record of the customer to be paid according to the Bluetooth identity identifier corresponding to the customer to be paid;

Step 1212: Send the product information and the payment information to the customer terminal according to the historical purchase record of the customer to be paid.

The historical purchase record includes the historical purchase behavior of the customer at the store, and the product information includes the recommended product. The merchant terminal 24 obtains the degree of preference of the customer for the specific product by analyzing the historical purchase record. When the customer is purchasing the merchandise, the merchant terminal 24 can send the recommended merchandise to the customer in addition to the payment information to increase the user's consumption.

When the merchant terminal 24 transmits the product information and the payment information to the customer terminal, the merchant terminal 24 determines whether the historical purchase record of the customer to be paid has a product corresponding to the current product purchase information, and if so, sends the recommendation corresponding to the maximum number of purchases to the customer terminal. Product and payment information. If not, the product corresponding to the current item purchase information is added to the history purchase record, and the payment information is sent to the terminal.

By recommending personalized products to customers, it can greatly improve the merchant's product conversion rate and enhance the customer's experience.

FIG. 6 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application. As shown in FIG. 6, the payment device 600 includes an acquisition module 61, a construction module 62, and a transmission module 63. The obtaining module 61 is configured to acquire a Bluetooth identity of the customer terminal based on the Bluetooth connection. The building module 62 is configured to build and present a customer list based on the Bluetooth identity. The sending module 63 is configured to send payment information to the customer terminal in response to the merchant performing an operation of selecting a customer to be paid in the customer list, so that the customer completes the payment according to the payment information.

The device embodiment and the method embodiment are based on the same concept, and the content of the device embodiment may refer to the method embodiment, and details are not described herein.

As another aspect of the embodiments of the present application, an embodiment of the present application provides a payment system. The payment system includes a customer terminal and a merchant terminal for performing the payment method of any of Figures 1 to 5.

As another aspect of the embodiments of the present application, an embodiment of the present application provides an electronic device. As shown in FIG. 7, the electronic device 700 includes one or more processors 71 and a memory 72. Among them, a processor 71 is taken as an example in FIG.

The processor 71 and the memory 72 can be connected by a bus or other means, as exemplified by a bus connection in FIG.

The memory 72 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. Module. The processor 71 executes the payment methods as shown in FIGS. 1 to 5 by operating nonvolatile software programs, instructions, and modules stored in the memory 72, or various functional applications of the payment device as shown in FIG. data processing.

Memory 72 may include high speed random access memory, and may 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 72 may optionally include memory remotely located relative to processor 71, which may be coupled to processor 71 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 72, and when executed by the one or more processors 71, perform the payment method in any of the above method embodiments, for example, performing the above-described FIG. The function of each step.

The electronic device 700 of the embodiment of the present application exists in various forms. When performing the functions of the respective steps shown in FIG. 6 described above, the electronic device 700 includes but is not limited to:

(1) Mobile communication devices: These devices are characterized by the functions of mobile communication and image capture, 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 personal computer equipment: This type of equipment belongs to the category of personal computers. It has functions of calculation, processing and image capture, and generally has 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 the features of mobile Internet access and image capture of objects. 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 one or more processors may be configured to perform the payment method in any of the above method embodiments, for example, to perform the payment method in any of the above method embodiments, for example, to perform the above described FIGS. 1 to 5 The function of each step.

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, comprising:

Obtaining a Bluetooth identity of the customer terminal based on the Bluetooth connection;

Constructing and presenting a customer list based on the Bluetooth identity;

In response to the merchant performing an operation of selecting a customer to be paid in the customer list, payment information is transmitted to the customer terminal to cause the customer to complete the payment based on the payment information.
The method of claim 1 wherein said customer list includes customer information, said customer information being associated with said Bluetooth identity.
The method according to claim 2, wherein the constructing and presenting the customer list according to the Bluetooth identity comprises:

Determining, according to the Bluetooth identity identifier, whether to store customer information associated with the Bluetooth identity identifier;

If yes, constructing and presenting the customer list according to customer information associated with the Bluetooth identity;

If not, sending instruction information to the customer terminal, the instruction information being used to instruct the customer terminal to jump to the preset download URL of the application.
The method according to claim 2, wherein said responding to said merchant performing an operation of selecting a customer to be paid in said customer list, transmitting payment information to said customer terminal to cause said customer to complete payment according to said payment information ,include:

Sending payment information to the customer terminal in response to an operation of the merchant selecting a customer to be paid in the customer list according to a Bluetooth signal strength, wherein the Bluetooth signal strength is a Bluetooth signal strength between the merchant terminal and the customer terminal;

When receiving the payment information that the customer completes the payment at the customer terminal according to the payment information, the customer is debited according to the balance of the customer.
The method according to claim 4, wherein said customer information corresponds to a Bluetooth signal strength;

The merchant selects an operation of the customer to be paid in the customer list according to the Bluetooth signal strength, including:

The merchant selects the customer information corresponding to the strongest Bluetooth signal strength from the customer list as the customer to be paid.
The method according to claim 4, wherein the sending the payment information to the customer terminal in response to the operation of the merchant selecting the customer to be paid in the customer list according to the Bluetooth signal strength comprises:

Retrieving, according to the Bluetooth signal strength, the operation of the customer to be paid in the customer list according to the Bluetooth signal strength, acquiring the historical purchase record of the customer to be paid according to the Bluetooth identity corresponding to the customer to be paid;

The product information and the payment information are transmitted to the customer terminal according to the historical purchase record of the customer to be paid.
The method according to claim 6, wherein the payment information includes current item purchase information and a total amount of payment, and the item information includes a recommended product;

Sending the product information and the payment information to the customer terminal according to the historical purchase record of the customer to be paid, including:

Determining whether the historical purchase record of the customer to be paid has a product corresponding to the current product purchase information;

If yes, sending the recommended product and payment information corresponding to the maximum number of purchases to the customer terminal;

If not, the product corresponding to the current merchandise purchase information is added to the historical purchase record, and the payment information is transmitted to the terminal.
A payment device, comprising:

An obtaining module, configured to acquire a Bluetooth identity of the customer terminal based on the Bluetooth connection;

a building module, configured to construct and present a customer list according to the Bluetooth identity identifier;

And a sending module, configured to send payment information to the customer terminal in response to the merchant performing an operation of selecting a customer to be paid in the customer list, so that the customer completes the payment according to the payment information.
A payment system, comprising: a customer terminal and a merchant terminal for performing the payment method according to any one of claims 1, 2, 3, 4, 6, and 7.
An electronic device, comprising:

At least one processor;

a memory communicatively coupled to the at least one processing; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor It can be used to perform the payment method according to any one of claims 1, 2, 3, 4, 6 and 7.