CN106845973A

CN106845973A - A kind of method of payment, cash receiving terminal, payment platform, and system

Info

Publication number: CN106845973A
Application number: CN201510884477.5A
Authority: CN
Inventors: 陈德权
Original assignee: Sumavision Technologies Co Ltd
Current assignee: Sumavision Technologies Co Ltd
Priority date: 2015-12-03
Filing date: 2015-12-03
Publication date: 2017-06-13
Anticipated expiration: 2035-12-03
Also published as: CN106845973B

Abstract

The present embodiments relate to the communications field, more particularly to a kind of method of payment, cash receiving terminal, payment platform, and system, it is used to realize more easily pay, it is to avoid the problem for needing user to take out payment terminal from bag or in pocket in payment process in the prior art.Cash receiving terminal scans the most strong payment terminal of signal in gathering in the embodiment of the present invention, obtain the mark of payment terminal, the corresponding ID of mark and Receiving information of cash receiving terminal display payment terminal, and point out user input authorization message, cash receiving terminal sends to payment platform and pays request, paying request includes the authorization message of ID, Receiving information and user input, so that payment platform is withholdd when being verified successfully to authorization message.Due to cash receiving terminal can be in automatically scanning to preset range in gathering all payment terminals signal, it is therefore not necessary to user takes out payment terminal from pocket or bag be paid, it is more convenient to pay.

Description

A kind of method of payment, cash receiving terminal, payment platform, and system

Technical field

The present embodiments relate to the communications field, more particularly to a kind of method of payment, cash receiving terminal, payment Platform, and system.

Background technology

During our daily shoppings, in addition to being paid using cash, brush bank is generally it is also possible to use in brush Payment of swiping the card is carried out in card machine, or Third-party payment is carried out using mobile phone, such as use wechat or Alipay Etc. being paid.

But either brush bank card or paid by wechat or Alipay, is required to user by bank card Take out from bag or in pocket and swiped the card on the POS, or by mobile phone from bag or in pocket Take out and paid by wechat or Alipay.

When user goes shopping to be paid the bill, thing is typically held on hand, now user again from bag or It is very inconvenient to take out bank card or mobile phone in pocket.

The content of the invention

The embodiment of the present invention provides a kind of method of payment, cash receiving terminal, payment platform, and system, is used to Realization more easily pays, it is to avoid need user by payment terminal from bag in payment process in the prior art Or the problem taken out in pocket.

The embodiment of the present invention provides a kind of method of payment, including：

Cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains the mark of payment terminal；

Cash receiving terminal shows the corresponding ID of mark of payment terminal, and Receiving information, and points out to use Family is input into authorization message；

Cash receiving terminal sends to payment platform and pays request, and paying request includes ID, Receiving information And the authorization message of user input, so that payment platform is withholdd when being verified successfully to authorization message.

Because cash receiving terminal is in gathering, the signal of all payment terminals that can be in automatically scanning to preset range, And the most strong payment terminal of signal can be determined according to the intensity of the signal for scanning, because signal is most strong Payment terminal payment terminal namely nearest apart from cash receiving terminal, the closest payment terminal is to be needed The payment terminal paid the bill, further, cash receiving terminal obtains the mark of payment terminal, and display automatically The corresponding ID of mark of payment terminal, and Receiving information, and user input authorization message is pointed out, After user input authorization message, cash receiving terminal sends to payment platform and pays request, and paying request includes The authorization message of ID, Receiving information and user input, so that payment platform is verified to authorization message Withholdd during success.It can be seen that, should during without user by payment terminal from pocket or Bao Lina Out paid, cash receiving terminal can automatically scanning go out the mark of the payment terminal, and then carry out a series of Operation, the payment process is more convenient, and avoids being needed in payment process in the prior art the user from paying The problem that terminal is taken out from bag or in pocket.

Alternatively, applications client is installed in payment terminal；Applications client opens near-field communication module, And the mark of the payment terminal that is stored with applications client；

Cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains the mark of payment terminal, Specifically include：

Cash receiving terminal opens near-field communication module, and scans the payment terminal for being provided with applications client Signal；

Cash receiving terminal determines the most strong payment terminal of signal from the payment terminal for scanning；

Communication channel is set up between cash receiving terminal and the applications client of payment terminal；

Cash receiving terminal obtains the mark of payment terminal by communication channel from applications client.

Alternatively, near-field communication module is bluetooth module or Wi-Fi module.

Alternatively, the user that cash receiving terminal is received includes herein below to the authorization message that cash receiving terminal is input into Any one of or appoint multinomial combination：

The password that user is input；

At least one fingerprint of user input；

During user input authorization message click on screen action message, the action message include it is following in appoint One is appointed multinomial：Click on screen speed, click on screen on each key when on each key stop when Between, click on screen on each key pressure value；Specifically, screen can be clicked on when password is input into for user Curtain speed, user be input into password when click on screen on each key when on each key residence time, User clicks on any one of pressure value of each key on screen when password is input into or appoints multinomial；Or use At least one fingerprint of family input, and user clicks on screen in each fingerprint in being input at least one fingerprint The speed of curtain, user stop in each fingerprint in being input at least one fingerprint on the screen clicked on Time, user click on any one of pressure value of screen in each fingerprint in being input at least one fingerprint Or appoint multinomial；

The head portrait of user；Wherein, the head portrait of user is cash receiving terminal in gathering, by taking the photograph for payment terminal As head, or obtained by the camera connected by cash receiving terminal is taken pictures to user.

Alternatively, the corresponding ID of the mark of payment terminal is specially：The mark of payment terminal；Or

Cash receiving terminal shows the corresponding ID of mark of payment terminal, specifically includes：

The mark of the payment terminal of acquisition is sent to payment platform by cash receiving terminal, so that payment platform is determined The corresponding ID of mark of payment terminal；

Cash receiving terminal receives the ID that payment platform sends；

Cash receiving terminal shows received ID.

Alternatively, also include：

Cash receiving terminal when the payment terminal that scanning is arrived is determined, by speech form reported and welcome by cash receiving terminal Information；And/or

When the payment terminal that scanning is arrived is determined, the payment terminal arrived to scanning sends commodity and believes cash receiving terminal Breath；Wherein, merchandise news is any one of speech form, written form, visual form or appoints multinomial Combination；Merchandise news includes any one of commodity favor information, merchandise news, welcome message or appoints many The combination of item.

Payment platform receives cash receiving terminal and sends payment request, and paying request includes that ID, gathering are believed Breath and authorization message；Wherein, the most strong payment of the ID signal that to be cash receiving terminal scan in gathering ID corresponding to terminal；Authorization message is that cash receiving terminal is used after user input authorization message is pointed out The authorization message that family is input into；

Payment platform is verified to authorization message, and is withholdd when verifying successfully.

Alternatively, payment platform receives cash receiving terminal and sends before paying request, also includes：

Payment platform reception payment terminal passes through the registration request transmitted by installed applications client, wherein, Registration request includes mark, ID, the authorization message of payment terminal, and payment terminal payment Accounts information；

Payment platform is verified according to registration request, when verifying successfully, the mark of storage payment terminal, ID, authorization message, and payment terminal payment account information；

Payment platform sends the response succeeded in registration to the applications client that payment terminal is installed.

Alternatively, the use captured by the camera that applications client passes through payment terminal is also included in registration request The head portrait at family；The head portrait uploaded when also including user's registration payment account information in authorization message, Huo Zheyong Head portrait in the identity card at family；

Payment platform is verified according to registration request, is specifically included any one of herein below or is appointed multinomial：

Payment platform is verified according to ID, the payment account information to payment terminal；

The head portrait uploaded during the user's registration payment account information that payment platform includes to authorization message, or Head portrait in the identity card of person user is identified, and the head portrait that will identify that passes through to pay with applications client The head portrait of the user captured by the camera of terminal is matched；

Payment platform sends first and tests according to the mark of payment terminal to the payment terminal for installing applications client Card code；Payment platform receives the second identifying code that payment terminal sends, and to the first identifying code and shown second Identifying code is matched.

Alternatively, payment platform is verified to authorization message, and is withholdd when verifying successfully, tool Body includes：

The ID that payment platform sends according to the cash receiving terminal for receiving, determines the user for prestoring Identify corresponding authorization message；

Payment platform according to the corresponding authorization message of the ID for prestoring determined, to what is received The authorization message that cash receiving terminal sends is verified；

Payment platform is withholdd when it is determined that verifying successfully according to the corresponding payment account information of ID.

Alternatively, payment platform is right according to the corresponding authorization message of the ID for prestoring determined The authorization message that the cash receiving terminal that receives sends is verified, specifically include any one of herein below or Appoint multinomial combination：

The corresponding password of the ID for prestoring that payment platform will be determined, with the gathering end for receiving The password for sending is held to be matched；

The corresponding fingerprint of the ID for prestoring that payment platform will be determined, with the gathering end for receiving The fingerprint for sending is held to be matched；

The corresponding head portrait of the ID for prestoring that payment platform will be determined, with the gathering end for receiving Hold and entered by the camera of payment terminal, or the head portrait of the user captured by the camera for passing through cash receiving terminal Row matching；

During user input authorization message click on screen action message, the action message include it is following in appoint One is appointed multinomial：Click on screen speed, click on screen on each key when on each key stop when Between, click on screen on each key pressure value.

Specifically, can be that user clicks on the speed of screen, user when password is input into input password time point Residence time, user are clicked on screen when password is input on each key during each key hit on screen Any one of pressure value of each key is appointed multinomial；Or at least one fingerprint of user input, Yi Jiyong Speed, the user of screen are clicked in each fingerprint in being input at least one fingerprint in input at least one in family Residence time, user are input at least one fingerprint on the screen clicked on during each fingerprint in fingerprint In each fingerprint when click on any one of pressure value of screen or appoint multinomial；

Alternatively, payment platform is right according to the corresponding authorization message of the ID for prestoring determined The authorization message that the cash receiving terminal for receiving sends is verified, and is specifically included：

The corresponding password for prestoring of ID that payment platform will be determined, with the gathering end for receiving Hold the password for sending to be matched, and any one of herein below or appoint multinomial combination：

The user that payment platform will be prestored clicks on the speed of screen when authorization message is input into, and receives Cash receiving terminal send user be input into authorization message when click on screen speed matched；

The user that payment platform will be prestored be input into authorization message when click on screen on each key when every Residence time on individual key, the user sent with the cash receiving terminal for receiving clicks on screen when authorization message is input into Residence time is matched on each key during each key on curtain；

The user that payment platform will be prestored clicks on the pressure of each key on screen when authorization message is input into Value, the user sent with the cash receiving terminal for receiving clicks on each key on screen when authorization message is input into Pressure value is matched.

What the cash receiving terminal that payment platform is determined and received from least one fingerprint for prestoring sent The fingerprint of fingerprint matching；Payment platform performs any one of herein below or appoints multinomial combination：

The user that payment platform will be prestored clicks on the speed of screen in the fingerprint of input matching, with reception To cash receiving terminal send user be input into fingerprint when click on screen speed matched；

What the user that payment platform will be prestored stopped in the fingerprint of input matching on the screen clicked on Time, the user sent with the cash receiving terminal that receives when fingerprint is input on clicked on screen stop when Between matched；

The user that payment platform will be prestored clicks on the pressure value of screen in the fingerprint of input matching, and connects The pressure value that the user that the cash receiving terminal for receiving sends clicks on screen when fingerprint is input into is matched.

Payment platform receives the mark of the payment terminal that cash receiving terminal sends；

Payment platform determines the corresponding ID of the mark of payment terminal；

Payment platform sends the corresponding ID of mark of the payment terminal determined to cash receiving terminal；So that Cash receiving terminal shows the corresponding ID of mark of received payment terminal.

The embodiment of the present invention provides a kind of cash receiving terminal, including：

Acquiring unit, in gathering, scanning the most strong payment terminal of signal, obtains payment terminal Mark；

Display unit, the corresponding ID of mark for holding display payment terminal, and Receiving information, And point out user input authorization message；

Transmitting element, request is paid for being sent to payment platform, and paying request includes ID, receives The authorization message of money information and user input, so that payment platform is detained when being verified successfully to authorization message Money.

Acquiring unit, specifically for：

Near-field communication module is opened, and scans the signal of the payment terminal for being provided with applications client；

The most strong payment terminal of signal is determined from the payment terminal for scanning；

Communication channel is set up and the applications client of payment terminal between；

The mark of payment terminal is obtained from applications client by communication channel.

Alternatively, the user for receiving includes any in herein below to the authorization message that cash receiving terminal is input into Item appoints multinomial combination：

The password that user is input；

At least one fingerprint of user input；

During user input authorization message click on screen action message, the action message include it is following in appoint One is appointed multinomial：Click on screen speed, click on screen on each key when on each key stop when Between, click on screen on each key pressure value；

Display unit, specifically for：

The mark of the payment terminal of acquisition is sent to payment platform, so that payment platform determines payment terminal The corresponding ID of mark；

Receive the ID that payment platform sends；

The received ID of display.

Alternatively, also including processing unit, it is used for：

When the payment terminal that scanning is arrived is determined；Welcome message is reported by speech form；And/or

When the payment terminal that scanning is arrived is determined, business is sent to the payment terminal that scanning is arrived by transmitting element Product information；Wherein, merchandise news is any one of speech form, written form, visual form or appoints many The combination of item；Merchandise news include any one of commodity favor information, merchandise news, welcome message or Appoint multinomial combination.

The embodiment of the present invention provides a kind of payment platform, including：

Receiving unit, for receive cash receiving terminal send pay request, pay request include ID, Receiving information and authorization message；Wherein, ID is that the signal that cash receiving terminal is scanned in gathering is most strong Payment terminal corresponding to ID；Authorization message is cash receiving terminal in prompting user input authorization message The authorization message that user is input into afterwards；

Processing unit, for being verified to authorization message, and is withholdd when verifying successfully.

Alternatively, receiving unit, is additionally operable to：

Reception payment terminal passes through the registration request transmitted by installed applications client, wherein, registration please Asking includes mark, ID, the authorization message of payment terminal, and the payment account of payment terminal is believed Breath；

Processing unit, is additionally operable to：

Verified according to registration request, when verifying successfully, store the mark of payment terminal, ID, Authorization message, and payment terminal payment account information；

Also include transmitting element, be used for：

The applications client that payment terminal is installed sends the response succeeded in registration.

Processing unit, specifically for：

Verified according to registration request, specifically include any one of herein below or appoint multinomial：

According to ID, the payment account information to payment terminal is verified；

The head portrait uploaded during the user's registration payment account information included to authorization message, or user Head portrait in identity card is identified, and the head portrait that will identify that passes through taking the photograph for payment terminal with applications client The head portrait of the user as captured by head is matched；

According to the mark of payment terminal, the first identifying code is sent to the payment terminal for installing applications client；Connect The second identifying code that payment terminal sends is received, and the first identifying code and shown second identifying code are matched.

Alternatively, processing unit, specifically for：

According to the ID that the cash receiving terminal for receiving sends, the ID correspondence for prestoring is determined Authorization message；

According to the corresponding authorization message of the ID for prestoring determined, to the cash receiving terminal for receiving The authorization message of transmission is verified；

When it is determined that verifying successfully, withholdd according to the corresponding payment account information of ID.

Alternatively, processing unit, specifically for：

In the corresponding authorization message of the ID for prestoring that basis is determined, to the gathering end for receiving Hold the authorization message for sending to be verified, specifically include any one of herein below or appoint multinomial combination：

The corresponding password of the ID for prestoring that will be determined, with the cash receiving terminal transmission for receiving Password is matched；

The corresponding fingerprint of the ID for prestoring that will be determined, with the cash receiving terminal transmission for receiving Fingerprint is matched；

The corresponding head portrait of the ID for prestoring that will be determined, with the cash receiving terminal for receiving by branch The camera of terminal is paid, or the head portrait of the user captured by the camera for passing through cash receiving terminal is matched；

Action message of the user that will be prestored when authorization message is input into, with the gathering end for receiving Action message of the user for sending when authorization message is input into is held to be matched；The action message includes following Any one of or appoint it is multinomial：Stop on each key when clicking on the speed of screen, clicking on each key on screen Time, the pressure value of each key clicked on screen stayed.

Alternatively, processing unit, specifically for：

The corresponding password for prestoring of ID that will be determined, with the cash receiving terminal transmission for receiving Password is matched, and any one of herein below or appoints multinomial combination：

The user that will be prestored clicks on the speed of screen when authorization message is input into, with the gathering end for receiving The speed for holding the user for sending that screen is clicked on when authorization message is input into is matched；

The user that will be prestored stops when each key on screen is clicked on when authorization message is input on each key The time stayed, clicked on when authorization message is input into the user that the cash receiving terminal for receiving sends every on screen Residence time is matched on each key during individual key；

The user that will be prestored clicks on the pressure value of each key on screen when authorization message is input into, and connects The pressure value that the user that the cash receiving terminal for receiving sends clicks on each key on screen when authorization message is input into is entered Row matching.

Alternatively, processing unit, specifically for：

The fingerprint matching that the cash receiving terminal determined and receive from least one fingerprint for prestoring sends Fingerprint；Payment platform performs any one of herein below or appoints multinomial combination：

The user that will be prestored clicks on the speed of screen in the fingerprint of input matching, with the gathering for receiving The speed that the user that terminal sends clicks on screen when fingerprint is input into is matched；

The user that will be prestored residence time on the screen clicked in the fingerprint of input matching, with The user that the cash receiving terminal that receives sends residence time on clicked on screen when fingerprint is input into is carried out Match somebody with somebody；

The user that will be prestored clicks on the pressure value of screen in the fingerprint of input matching, with the receipts for receiving The pressure value that the user that money terminal sends clicks on screen when fingerprint is input into is matched.

Alternatively, receiving unit, is additionally operable to：

Receive the mark of the payment terminal that cash receiving terminal sends；

Processing unit, is additionally operable to：

Determine the corresponding ID of mark of payment terminal；

Transmitting element, is additionally operable to：

The corresponding ID of mark of the payment terminal determined is sent to cash receiving terminal；So that cash receiving terminal The corresponding ID of mark of the received payment terminal of display.

The embodiment of the present invention provides a kind of payment system, including：

Cash receiving terminal, in gathering, scanning the most strong payment terminal of signal, obtains payment terminal Mark；The corresponding ID of mark of end display payment terminal, and Receiving information, and point out user defeated Enter authorization message；Sent to payment platform and pay request, paying request includes ID, Receiving information And the authorization message of user input, so that payment platform is withholdd when being verified successfully to authorization message；

Payment platform, payment request is sent for receiving cash receiving terminal, is verified to authorization message, and Withholdd when verifying successfully.

In the embodiment of the present invention, cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains The mark of payment terminal, cash receiving terminal shows the corresponding ID of mark of payment terminal, and gathering letter Breath, and user input authorization message is pointed out, cash receiving terminal sends to payment platform and pays request, pays request Include the authorization message of ID, Receiving information and user input, so that payment platform is to authorizing letter Breath is withholdd when verifying successfully.Because cash receiving terminal is in gathering, can automatically scanning in preset range The signal of all payment terminals, and the most strong payment of signal can be determined according to the intensity of the signal for scanning Terminal, due to the most strong payment terminal of signal payment terminal namely nearest apart from cash receiving terminal, the distance Nearest payment terminal is the payment terminal for needing to be paid the bill, and further, cash receiving terminal obtains branch automatically Pay the mark of terminal, and display payment terminal the corresponding ID of mark, and Receiving information, and carrying Show user input authorization message, after user input authorization message, cash receiving terminal sends to payment platform and pays Request, paying request includes the authorization message of ID, Receiving information and user input, so as to pay Platform is withholdd when being verified successfully to authorization message.It can be seen that, should during without user by payment terminal Taken out from pocket or bag and paid, cash receiving terminal can automatically scanning go out the mark of the payment terminal Know, and then carry out a series of operation, the payment process is more convenient, and avoid paying in the prior art During need user takes out payment terminal problem from bag or in pocket.

Brief description of the drawings

Technical scheme in order to illustrate more clearly the embodiments of the present invention, institute in being described to embodiment below The accompanying drawing for needing to use is briefly introduced, it should be apparent that, drawings in the following description are only of the invention Some embodiments, for one of ordinary skill in the art, on the premise of not paying creative work, Other accompanying drawings can also be obtained according to these accompanying drawings.

Fig. 1 is a kind of system architecture schematic diagram that the embodiment of the present invention is applicable；

Fig. 2 is a kind of method of payment schematic flow sheet provided in an embodiment of the present invention；

Fig. 3 is another method of payment schematic flow sheet provided in an embodiment of the present invention；

Fig. 4 is a kind of structural representation of cash receiving terminal provided in an embodiment of the present invention；

Fig. 5 is a kind of structural representation of payment platform provided in an embodiment of the present invention；

Fig. 6 is a kind of structural representation of payment system provided in an embodiment of the present invention.

Specific embodiment

In order that the purpose of the present invention, technical scheme and beneficial effect become more apparent, below in conjunction with accompanying drawing And embodiment, the present invention will be described in further detail.It should be appreciated that specific implementation described herein Example is only used to explain the present invention, is not intended to limit the present invention.

Payment terminal and/or cash receiving terminal involved by the embodiment of the present invention can include thering is radio communication work( Can handheld device, mobile unit, wearable device, computing device or be connected to radio modem Other processing equipments, and various forms of user equipmenies (User Equipment, abbreviation UE), mobile station (Mobile station, abbreviation MS), terminal (terminal), terminal device (Terminal Equipment) Etc..

The terms "and/or", a kind of only incidence relation for describing affiliated partner, expression there may be Three kinds of relations, for example, A and/or B, can represent：Individualism A, while there is A and B, individually There are these three situations of B.In addition, character "/" herein, typicallys represent forward-backward correlation pair as if a kind of "or" Relation.

Mark or identification information, for identifying an object, object can be：Terminal, user.Such as, Mark, ID of payment terminal etc..One mark may include title, numbering, ID (Identification) In at least one, as long as identified object and other objects can be differentiated.

As shown in figure 1, the applicable system architecture schematic diagram of the embodiment of the present invention.Be may include in the system architecture One or more payment terminals, than payment terminal as shown in Figure 1 101, payment terminal 102, pay eventually End 103, payment terminal 104, payment terminal 105, payment terminal 106；And cash receiving terminal 107, gathering Terminal 108, and payment platform 109.

Optionally, applications client is respectively mounted in payment terminal, the user of payment terminal passes through the application installed Client is registered to payment platform 109, and after succeeding in registration, payment platform 109 stores each payment The authorization message of terminal.

Cash receiving terminal 107 and cash receiving terminal 108 can scan all payment terminals in oneself coverage Signal, and the most strong payment terminal of signal intensity can be determined according to the intensity of the signal for scanning, receive The most strong payment terminal of the signal that money terminal is scanned was apart from the cash receiving terminal closest payment end End, in actual life, when paying, a timing is apart from that closest use of current cash receiving terminal for user Family is the current user for being paid.

Such as, shown in Fig. 1, payment terminal 101, branch can be scanned in the coverage of cash receiving terminal 107 Terminal 102 and payment terminal 103 are paid, because payment terminal 101 is nearest apart from cash receiving terminal 107, therefore is received The most strong payment terminal of the signal intensity that money terminal 107 is scanned is payment terminal 101.Similar, receiving Payment terminal 104, payment terminal 105 and payment terminal 106 can be scanned in the coverage of money terminal 108, Because payment terminal 104 is nearest apart from cash receiving terminal 108, therefore the signal that cash receiving terminal 108 is scanned The most strong payment terminal of intensity is payment terminal 104.

Further, waiter goes out the signal of payment terminal using the automatically scanning of cash receiving terminal 107, and determines The most strong payment terminal 101 of signal intensity, and the most strong payment terminal of the signal intensity is shown on a display screen The 101 corresponding ID of mark, and Receiving information, and point out user input authorization message.Pay eventually The user at end 101 is directly input into authorization message on a display screen, and cash receiving terminal 107 is by ID, gathering The authorization message of information and user input is sent to payment platform 109, in payment platform 109 to authorization message Withholdd when verifying successfully.

Based on the system architecture shown in Fig. 1, Fig. 2 shows cash receiving terminal side provided in an embodiment of the present invention reality A kind of existing method of payment, comprises the following steps：

Step 201, cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains payment terminal Mark；

Step 202, cash receiving terminal shows the corresponding ID of mark of payment terminal, and Receiving information, And point out user input authorization message；

Step 203, cash receiving terminal to payment platform send pay request, pay request include ID, The authorization message of Receiving information and user input, so that payment platform is carried out when being verified successfully to authorization message Withhold.

Alternatively, the signal of the payment terminal in the embodiment of the present invention can be Bluetooth signal, or be Wi-Fi The short-range communication signals such as signal.

Alternatively, before above-mentioned steps 201, applications client, applications client are installed in payment terminal Open the corresponding near-field communication module of the payment terminal.The corresponding near-field communication module of payment terminal is specific Can be：

Near-field communication module in the payment terminal, or cutting of being connected with payment terminal can represent the branch The near-field communication module of terminal is paid, or unconnected with payment terminal can represent the near of the payment terminal Distance communication module.

Payment terminal passes through installed applications client and is communicated with payment platform, and can pay flat Registered on platform.

Alternatively, specific registration process is：

Payment terminal passes through installed applications client to registration request transmitted by payment platform, payment platform Reception payment terminal passes through the registration request transmitted by installed applications client, wherein, in registration request The payment account information of mark, ID including payment terminal, authorization message, and payment terminal；

Alternatively, the mark of payment terminal can be that cell-phone number, IMSI number of payment terminal of payment terminal etc. are used In the number for representing payment terminal.ID can be payment terminal mark, or user name, The pet name of user oneself, the mailbox number of user, the login name of user, the identification card number of user, the body of user Head portrait on part card etc..The payment account information of payment terminal can be bank card account number, the bank card of user Password, the reserved cell-phone number of bank card, the identification card number of user, the head portrait of the identity card of user, Huo Zhe The information of tripartite's payment account, such as wechat payment account, Alipay payment accounts etc..

Alternatively, the authorization message that registration request includes includes any one of herein below a1 to content a2 Or appoint multinomial combination：

Content a1：The password that content a1 is input by user to payment terminal.Or content a1 be user to The password that payment terminal is input, and user clicks on speed, the Yong Hu of screen when authorization message is input into Residence time, user award in input on each key when clicking on each key on screen during input authorization message Any one of pressure value of each key on screen is clicked on during power information or is appointed multinomial；

Content a2：Content a2 is at least one fingerprint that user is input into payment terminal.Or content a2 is At least one fingerprint that user is input into payment terminal, and user input at least one fingerprint, Yi Jiyong Speed, the user of screen are clicked in each fingerprint in being input at least one fingerprint in input at least one in family Residence time, user are input at least one fingerprint on the screen clicked on during each fingerprint in fingerprint In each fingerprint when click on any one of pressure value of screen or appoint multinomial；

Content a3：The head portrait of user；Wherein, when the head portrait of user is user's registration payment account information in institute The head portrait of biography, or the head portrait in the identity card of user.

Alternatively, the use captured by the camera that applications client passes through payment terminal is also included in registration request The head portrait at family, the head portrait uploaded when also including user's registration payment account information in authorization message, Huo Zheyong Head portrait in the identity card at family；Then, payment platform is verified according to registration request, is specifically included in following Hold any one of b1 to b3 or appoint multinomial：

Content b1：Payment platform is verified according to ID, the payment account information to payment terminal. In specific implementation, the corresponding payment system of payment platform connection payment account information, such as banking system, or Person's third-party payment system, obtains the corresponding payment account information of ID from payment system, will obtain The payment account information that is sent with the payment terminal that receives of payment account information matched, such as it is, right The information such as ID, payment account, payment cipher are matched, and when all information are consistent, are paid The Information Authentication success of account.

Content b2：Payment platform is paid a bill by the user's registration branch that face recognition technology includes to authorization message The head portrait uploaded during the information of family, or head portrait in the identity card of user is identified, and will identify that The head portrait of the user captured by camera that head portrait passes through payment terminal with applications client is matched, if With success, then the head portrait of user is verified successfully.

Content b3：Payment platform is sent out according to the mark of payment terminal to the payment terminal for installing applications client Send the first identifying code；Payment platform receives the second identifying code that payment terminal sends, and to the first identifying code and Shown second identifying code is matched, if the first identifying code and the second identifying code are consistent, identifying code is matched into Work(.

Can further verify that whether user is registered, and enter in real time by the above b2 and content b3 One step ensures the security of user, it is to avoid user is assumed another's name to register by people.

Payment platform multinomial can be verified to any one of the above b1 to content b3 or appoint.Pay Platform pre-sets a specific items, specific items concretely any one of the above b1 to content b3 Or appoint multinomial.When payment platform to specific items when testing, when the content of the specific items is verified successfully, Just can determine that payment platform carries out verifying successfully according to registration request.For example, such as payment platform is right When the above b1 and content b2 test, then payment platform is successful in the Information Authentication of payment account, And the head portrait of user is verified when successfully, just can determine that payment platform carries out verifying successfully according to registration request.Than If payment platform to the above b1, content b2 and content b3 when testing, then payment platform is in branch Pay a bill the Information Authentication success at family, and user head portrait verify successfully, identifying code is when the match is successful, ability is true Determine payment platform carries out verifying successfully according to registration request.Such as payment platform is examined to the above b1 When testing, then payment platform determines payment platform according to registration request in the Information Authentication success of payment account Verify successfully.

Payment platform is pacified when it is determined that payment platform is verified successfully according to registration request to payment terminal The applications client of dress sends the response succeeded in registration.Now, user's success of payment terminal is in payment platform On registered.Afterwards, alternatively, applications client can store the mark of payment terminal, payment terminal Identify the payment account information of corresponding ID, authorization message, payment terminal；Alternatively, pay flat Platform store payment terminal mark, ID, authorization message, and payment terminal payment account information.

In specific implementation, applications client can be APP, and user downloads APP, and is carried out in payment terminal Install, payment terminal can be the terminals with communication function such as smart mobile phone, panel computer.

The applications client for passing through installation in payment terminal by above-mentioned steps, user, it is enterprising in payment platform Registration is gone.Afterwards, the applications client can automatically turn on the payment terminal correspondence for installing the applications client Near-field communication module.Alternatively, the applications client can be under the setting of user, according to setting for user Put, the corresponding near-field communication module of payment terminal is automatically turned on immediately or within the default time.Or, The corresponding near-field communication module of the always on payment terminal of the applications client, and in running background.Or Person, the applications client periodically opens the corresponding near-field communication module of payment terminal, and external sector signal enters Row scanning, in the signal or some preset signals of scanning to cash receiving terminal, the applications client continues The corresponding near-field communication module of payment terminal is opened, is scanned less than cash receiving terminal in a preset time period Signal or during some preset signals, the applications client comes back to periodically opens payment terminal pair The pattern of the near-field communication module answered.

Alternatively, near-field communication module is bluetooth module or Wi-Fi module.I.e. applications client is opened and paid The bluetooth module of terminal, and payment terminal is sent Bluetooth signal.Or applications client opens payment terminal Wi-Fi module, and make payment terminal send Wi-Fi signal.

In above-mentioned steps 201, user's shopping is completed, and applications client opens closely leading to for payment terminal News module, so that the outside transmission signal of payment terminal.Near-field communication module is also installed in cash receiving terminal, Can recognize that signal of the payment terminal to emission.

Alternatively, applications client is installed in payment terminal；Applications client opens near-field communication module, And the mark of the payment terminal that is stored with applications client；Cash receiving terminal scans signal most strong in gathering Payment terminal, obtain payment terminal mark, specifically include：

Cash receiving terminal opens near-field communication module, and scans the payment terminal for being provided with applications client Signal；Cash receiving terminal determines the most strong payment terminal of signal from the payment terminal for scanning；Cash receiving terminal Communication channel is set up and the applications client of payment terminal between；Cash receiving terminal is by communication channel from application visitor The mark of payment terminal is obtained in the end of family.

Alternatively, the corresponding ID of the mark of payment terminal specifically includes two ways：

Mode one,：ID is the mark of payment terminal；Now, cash receiving terminal can directly display the user Mark.

Mode two, cash receiving terminal can directly obtain ID from the applications client of payment terminal, or ID is obtained in the following manner：

The mark of the payment terminal of acquisition is sent to payment platform by cash receiving terminal, so that payment platform is determined The corresponding ID of mark of payment terminal；Cash receiving terminal receives the ID that payment platform sends；Receive Money terminal shows received ID.

The mark of the payment terminal in aforesaid way one can be user mobile phone number, and the ID in mode two can It is the name of user, mode one is relatively simple, and reduces the friendship of the signaling between cash receiving terminal and payment platform Mutually, network load is reduced.In aforesaid way two, cash receiving terminal display address name, it is possible to use family is more Plus simply clearly check whether shown ID is oneself, provide the user facility.

After above-mentioned steps 202, user authorizes according to the lifting on the display screen of cash receiving terminal, correspondence input Information.In above-mentioned steps 203, cash receiving terminal is sent to payment platform and pays request, and payment platform is received to be received Money terminal sends and pays request, and paying request includes ID, Receiving information and authorization message；Wherein, User's mark corresponding to the most strong payment terminal of signal that ID is cash receiving terminal to be scanned in gathering Know；Authorization message is the cash receiving terminal authorization message that user is input into after user input authorization message is pointed out； Payment platform is verified to authorization message, and is withholdd when verifying successfully.

Alternatively, Receiving information may include collection amount, the information of commodity of purchase, the discount information of commodity, Univalent quantity and total price of commodity etc..

Alternatively, when user is registered by the applications client in payment terminal, payment platform In be stored with authorization message.When being paid, user is input into authorization message, gathering to user in cash receiving terminal The authorization message of ID, Receiving information and user input is sent to payment platform by terminal.Payment platform According to the ID that the cash receiving terminal for receiving sends, determine that the ID for prestoring is corresponding and award Power information；Payment platform according to the corresponding authorization message of the ID for prestoring determined, to receiving To cash receiving terminal send authorization message verified.Payment platform when it is determined that verifying successfully, according to Family identifies corresponding payment account information and is withholdd.

The user that cash receiving terminal is received may include herein below c1 to interior to the authorization message that cash receiving terminal is input into Hold any one of c3 or appoint multinomial combination：

Content c1：The password that content c1 is input by user.Or the password that content c1 is input by user, And user clicks on the speed of screen, user when authorization message is input into and clicks on screen when authorization message is input into On each key when on each key residence time, user clicked on when authorization message is input into it is every on screen Any one of pressure value of individual key is appointed multinomial；

Content c2：Content c2 is at least one fingerprint of user input.Or content c2 user inputs are extremely At least one fingerprint of a fingerprint, and user input less, and user is at least one fingerprint is input into Each fingerprint when click on the speed of screen, user in each fingerprint in being input at least one fingerprint in institute Residence time, user click on screen in each fingerprint in being input at least one fingerprint on the screen of click Any one of pressure value or appoint multinomial；

Content c3：The head portrait of user；Wherein, the head portrait of user is cash receiving terminal in gathering, by paying The camera of terminal, or obtained by the camera connected by cash receiving terminal is taken pictures to user；

Content c4：During user input authorization message click on screen action message, the action message include with It is any one of lower or appoint multinomial：Click on screen speed, click on screen on each key when on each key Residence time, the pressure value of each key clicked on screen.

Correspondingly, action message of the user that payment platform will be prestored when authorization message is input into, and connects Action message of the user that the cash receiving terminal for receiving sends when authorization message is input into is matched；It is described Action message includes any one of following or appoints multinomial：Click on screen speed, click on screen on each During key on each key residence time, the pressure value of each key clicked on screen.

The embodiment of the present invention provides a kind of alternatively implementation method, and payment platform is according to prestoring for determining The corresponding authorization message of ID, the authorization message that the cash receiving terminal that receives sends is verified, Specifically include any one of herein below d1 to content d3 or appoint multinomial combination：

Content d1：The corresponding password of the ID for prestoring that payment platform will be determined, and receives Cash receiving terminal send password matched.Or, content d1 is：The user that payment platform will be determined The corresponding password for prestoring of mark, the password sent with the cash receiving terminal for receiving is matched, and Any one of herein below appoints multinomial combination：

For example, user registration when, user can repeatedly be input into authorization message to terminal, in this way, pay Platform can be speed one velocity interval of setting that user clicks on screen when authorization message is input into, flat when paying When platform receives the speed that screen is clicked on when authorization message is input into of cash receiving terminal transmission, however, it is determined that the gathering The speed that terminal sends is within set velocity interval, it is determined that the user for prestoring authorizes in input The speed of screen is clicked on during information, the user sent with the cash receiving terminal for receiving is in input authorization message time point Hit the speeds match success of screen.Only it is introduced by taking the speed for clicking on screen as an example herein, and clicks on screen On each key when residence time and click on the pressure value of each key on screen and click on each key The mode of the speed of screen is similar to, and is to set a time range and a range of pressure values, herein no longer Repeat.

Content d2：The corresponding fingerprint of the ID for prestoring that payment platform will be determined, and receives Cash receiving terminal send fingerprint matched.In this way, further having provided the user facility, and improve The security of payment.Or content d2 for payment platform determined from least one fingerprint for prestoring with The fingerprint of the fingerprint matching that the cash receiving terminal for receiving sends；Payment platform performs any one of herein below Or appoint multinomial combination：

In this way, further increasing the security of payment.

For example, user registration when, user can repeatedly be input into fingerprint to terminal, in this way, payment platform Can be that user's speed of click screen when fingerprint is input into sets a velocity interval, when payment platform is received During the speed that screen is clicked on when fingerprint is input into that cash receiving terminal sends, however, it is determined that the speed that the cash receiving terminal sends Degree is within set velocity interval, it is determined that the user for prestoring clicks on screen when authorization message is input into The speed of curtain, the user sent with the cash receiving terminal for receiving clicks on the speed of screen when authorization message is input into The match is successful.Only it is introduced by taking the speed for clicking on screen as an example herein, and is stopped on the screen clicked on Time, input matching fingerprint when click on screen pressure value with click screen speed mode it is similar, It is that a time range and a range of pressure values are set, will not be repeated here.

Content d3：The corresponding head portrait of the ID for prestoring that payment platform will be determined, and receives The cash receiving terminal camera that passes through payment terminal, or the user captured by the camera for passing through cash receiving terminal Head portrait matched.In this way, further having provided the user facility, and improve the security of payment.

Alternatively, user to cash receiving terminal be input into authorization requests when, user is in awarding that cash receiving terminal is input into After all verified successes, payment platform just can determine that and authorization message verified successfully power information.

Alternatively, when the payment terminal that scanning is arrived is determined, cash receiving terminal passes through speech form to cash receiving terminal Report welcome message.Alternatively, cash receiving terminal is arrived when the payment terminal that scanning is arrived is determined to scanning Payment terminal sends merchandise news；Wherein, merchandise news is in speech form, written form, visual form Any one or appoint multinomial combination；Merchandise news includes commodity favor information, merchandise news, welcome letter Any one of breath appoints multinomial combination.

For example, user enter shopping place when, you is welcome in cash receiving terminal voice broadcast market, in this way, Can allow user mood more preferably, and improve user to supermarket, the loyalty in market.Cash receiving terminal is to payment Terminal pushes merchandise news, is conducive to business promotion.

Be can be seen that by the above, in the embodiment of the present invention, the payment terminal of user is only near cash receiving terminal The cashier at place, and automatically scanning goes out payment end by user need not take out payment terminal, cash receiving terminal End, user needs only to directly input authorization message, greatly facilitates and user, and improves visitor Experience at family.

Second aspect, head portrait that can be to user in shopping in the authorization message in the embodiment of the present invention is known Not, and then matched, and keystroke dynamics, key press time, button during to user input authorization message The information such as speed are analyzed and match, and further increase the security of payment.

Third party just, in the embodiment of the present invention needs only to one applications client of user installation, is registered , the existing custom of user is not changed, therefore user is easier to receive.

It can be seen from the above：In the embodiment of the present invention, cash receiving terminal scans signal in gathering Most strong payment terminal, obtains the mark of payment terminal, and the mark of cash receiving terminal display payment terminal is corresponding ID, and Receiving information, and user input authorization message is pointed out, cash receiving terminal is sent out to payment platform Payment is sent to ask, paying request includes the authorization message of ID, Receiving information and user input, with Payment platform is set to be withholdd when being verified successfully to authorization message.Because cash receiving terminal is in gathering, can be certainly The dynamic signal scanned to all payment terminals in preset range, and can be according to the intensity of the signal for scanning Determine the most strong payment terminal of signal, due to the most strong payment terminal of signal namely apart from cash receiving terminal most Near payment terminal, the closest payment terminal is the payment terminal for needing to be paid the bill, further, Cash receiving terminal obtains the mark of payment terminal automatically, and display payment terminal the corresponding ID of mark, And Receiving information, and user input authorization message is pointed out, and after user input authorization message, cash receiving terminal Sent to payment platform and pay request, paying request includes ID, Receiving information and user input Authorization message, so that payment platform is withholdd when being verified successfully to authorization message.It can be seen that, during being somebody's turn to do Payment terminal is taken out from pocket or bag without user is paid, cash receiving terminal can be swept automatically The mark of the payment terminal is described, and then carries out a series of operation, the payment process is more convenient, and keeps away Exempt to need user to take out payment terminal from bag or in pocket in payment process in the prior art Problem.

Fig. 3 illustrates a kind of schematic flow sheet of method of payment provided in an embodiment of the present invention.

Based on same idea, the embodiment of the present invention provides a kind of method of payment, as shown in figure 3, including：

Step 301, payment platform receive cash receiving terminal send pay request, pay request include ID, Receiving information and authorization message；Wherein, ID is that the signal that cash receiving terminal is scanned in gathering is most strong Payment terminal corresponding to ID；Authorization message is cash receiving terminal in prompting user input authorization message The authorization message that user is input into afterwards；

Step 302, payment platform is verified to authorization message, and is withholdd when verifying successfully.

Action message of the user that payment platform will be prestored when authorization message is input into, with the institute for receiving Action message of the user of cash receiving terminal transmission when authorization message is input into is stated to be matched；The action message Including it is any one of following or appoint it is multinomial：Click on screen speed, click on screen on each key when every Residence time, the pressure value of each key clicked on screen on individual key；

The corresponding head portrait of the ID for prestoring that payment platform will be determined, with the gathering end for receiving Hold and entered by the camera of payment terminal, or the head portrait of the user captured by the camera for passing through cash receiving terminal Row matching.

Fig. 4 illustrates a kind of structural representation of cash receiving terminal provided in an embodiment of the present invention.

Based on same idea, the embodiment of the present invention provides a kind of cash receiving terminal 400, including acquiring unit 401, Display unit 402, transmitting element 403：

Acquiring unit, specifically for：

The password that user is input；Or the password that user is input, and user is when authorization message is input into Speed, the user for clicking on screen stop when each key on screen is clicked on when authorization message is input on each key Time for staying, user clicked on when authorization message is input into any one of pressure value of each key on screen or Appoint multinomial；

At least one fingerprint of user input；Or at least one fingerprint of user input, and user input At least one fingerprint, and user be input at least one fingerprint in each fingerprint when click on screen speed Degree, user be input at least one fingerprint in each fingerprint when on the screen clicked on residence time, User clicks on any one of pressure value of screen or appoints many in each fingerprint in being input at least one fingerprint ；

Display unit, specifically for：

Receive the ID that payment platform sends；

The received ID of display.

Alternatively, also including processing unit, it is used for：

Fig. 5 illustrates a kind of structural representation of payment platform provided in an embodiment of the present invention.

Based on same idea, the embodiment of the present invention provides a kind of payment platform 500, including receiving unit 501, Processing unit 502, alternatively, also including transmitting element 503：

Alternatively, receiving unit, is additionally operable to：

Processing unit, is additionally operable to：

Also include transmitting element, be used for：

Processing unit, specifically for：

Alternatively, processing unit, specifically for：

Action message of the user that will be prestored when authorization message is input into, with the gathering end for receiving Action message of the user for sending when authorization message is input into is held to be matched；The action message includes following Any one of or appoint it is multinomial：Stop on each key when clicking on the speed of screen, clicking on each key on screen Time, the pressure value of each key clicked on screen stayed；

The corresponding head portrait of the ID for prestoring that will be determined, with the cash receiving terminal for receiving by branch The camera of terminal is paid, or the head portrait of the user captured by the camera for passing through cash receiving terminal is matched.

Alternatively, processing unit, specifically for：

Alternatively, receiving unit, is additionally operable to：

Receive the mark of the payment terminal that cash receiving terminal sends；

Processing unit, is additionally operable to：

Determine the corresponding ID of mark of payment terminal；

Transmitting element, is additionally operable to：

Fig. 6 illustrates a kind of structural representation of payment system provided in an embodiment of the present invention.

Based on same idea, the embodiment of the present invention provides a kind of payment system 600, including the He of cash receiving terminal 601 Payment platform 602,：

It should be understood by those skilled in the art that, embodiments of the invention can be provided as method or computer journey Sequence product.Therefore, the present invention can use complete hardware embodiment, complete software embodiment or combine software With the form of the embodiment of hardware aspect.And, the present invention can be used and wherein include meter at one or more Calculation machine usable program code computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) on implement computer program product form.

The present invention is with reference to method according to embodiments of the present invention, equipment (system) and computer program product Flow chart and/or block diagram describe.It should be understood that can by computer program instructions realize flow chart and/ Or flow in each flow and/or square frame and flow chart and/or block diagram in block diagram and/or The combination of square frame.These computer program instructions to all-purpose computer, special-purpose computer, embedded can be provided The processor of processor or other programmable data processing devices is producing a machine so that by computer Or the instruction of the computing device of other programmable data processing devices is produced for realizing in one stream of flow chart The device of the function of being specified in journey or multiple one square frame of flow and/or block diagram or multiple square frames.

These computer program instructions may be alternatively stored in can guide computer or other programmable data processing devices In the computer-readable memory for working in a specific way so that storage is in the computer-readable memory Instruction is produced includes the manufacture of command device, and the command device is realized in one flow of flow chart or multiple streams The function of being specified in one square frame of journey and/or block diagram or multiple square frames.

These computer program instructions can be also loaded into computer or other programmable data processing devices, made Obtain and series of operation steps is performed on computer or other programmable devices to produce computer implemented place Reason, so as to the instruction performed on computer or other programmable devices is provided for realizing in flow chart one The step of function of being specified in flow or multiple one square frame of flow and/or block diagram or multiple square frames.

, but those skilled in the art once know base although preferred embodiments of the present invention have been described This creative concept, then can make other change and modification to these embodiments.So, appended right will Ask and be intended to be construed to include preferred embodiment and fall into having altered and changing for the scope of the invention.

Obviously, those skilled in the art can carry out various changes and modification without deviating from this hair to the present invention Bright spirit and scope.So, if it is of the invention these modification and modification belong to the claims in the present invention and Within the scope of its equivalent technologies, then the present invention is also intended to comprising these changes and modification.

Claims

1. a kind of method of payment, it is characterised in that including：

Cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains the mark of the payment terminal Know；

The cash receiving terminal shows the corresponding ID of the mark of the payment terminal, and Receiving information, And point out user input authorization message；

The cash receiving terminal sends to the payment platform and pays request, and described payment asks to include the use The authorization message of family mark, the Receiving information and user input, so that the payment platform is awarded to described Withholdd during power information checking success.

2. the method for claim 1, it is characterised in that install application client in the payment terminal End；Be stored with the branch in applications client the unlatching near-field communication module, and the applications client Pay the mark of terminal；

The cash receiving terminal scans the most strong payment terminal of signal in gathering, obtains the payment terminal Mark, specifically include：

The cash receiving terminal opens near-field communication module, and scans the branch for being provided with the applications client Pay the signal of terminal；

The cash receiving terminal determines the most strong payment terminal of signal from the payment terminal for scanning；

Communication channel is set up between the applications client of the cash receiving terminal and the payment terminal；

The cash receiving terminal obtains the payment terminal by the communication channel from the applications client Mark.

3. method as claimed in claim 2, it is characterised in that the near-field communication module is bluetooth mould Block or Wi-Fi module.

4. the method as described in claims 1 to 3 any claim, it is characterised in that the gathering end The user that termination is received includes any one of herein below to the authorization message that the cash receiving terminal is input into Or appoint multinomial combination：

The password that user is input；

Or the password that user is input；

At least one fingerprint of user input；

The head portrait of user；Wherein, the head portrait of the user is the cash receiving terminal in gathering, by described The camera of payment terminal, or the camera connected by the cash receiving terminal is taken pictures institute to user Obtain.

5. the method for claim 1, it is characterised in that the corresponding use of mark of the payment terminal Family mark is specially：The mark of the payment terminal；Or

The cash receiving terminal shows the corresponding ID of the mark of the payment terminal, specifically includes：

The mark of the payment terminal for obtaining is sent to the payment platform by the cash receiving terminal, so that institute State payment platform and determine the corresponding ID of the mark of the payment terminal；

The cash receiving terminal receives the ID that the payment platform sends；

The cash receiving terminal shows the received ID.

6. the method for claim 1, it is characterised in that also include：

When the payment terminal that scanning is arrived is determined, the cash receiving terminal passes through speech form to the cash receiving terminal Report welcome message；And/or

The cash receiving terminal is sent out when the payment terminal that scanning is arrived is determined to the payment terminal for scanning Send merchandise news；Wherein, the merchandise news is any in speech form, written form, visual form Item appoints multinomial combination；The merchandise news includes commodity favor information, merchandise news, welcome message Any one of or appoint multinomial combination.

7. a kind of method of payment, it is characterised in that including：

Payment platform receives cash receiving terminal and sends payment request, and the payment request includes ID, receives Money information and authorization message；Wherein, the ID is the letter that the cash receiving terminal is scanned in gathering ID corresponding to number most strong payment terminal；The authorization message is that the cash receiving terminal is used in prompting The authorization message that user is input into after family input authorization message；

The payment platform is verified to the authorization message, and is withholdd when verifying successfully.

8. method as claimed in claim 7, it is characterised in that the payment platform receives cash receiving terminal hair Before sending payment to ask, also include：

The registration that the payment platform reception payment terminal passes through transmitted by installed applications client please Ask, wherein, the registration request includes the mark of the payment terminal, the ID, described awards Power information, and the payment terminal payment account information；

The payment platform is verified according to the registration request, when verifying successfully, stores the payment The mark of terminal, the ID, the authorization message, and the payment account of the payment terminal are believed Breath；

The payment platform sends the sound for succeeding in registration to the applications client that the payment terminal is installed Should.

9. method as claimed in claim 8, it is characterised in that also include in the registration request it is described should The head portrait of the user captured by camera for passing through the payment terminal with client；In the authorization message also Including the head portrait uploaded during payment account information described in user's registration, or the head portrait in the identity card of user；

The payment platform is verified according to the registration request, specifically includes any one of herein below Or appoint multinomial：

The payment platform is tested according to the ID, the payment account information to the payment terminal Card；

Described in the user's registration that the payment platform includes to the authorization message during payment account information in institute The head portrait of biography, or head portrait in the identity card of user is identified, and the head portrait that will identify that with it is described should The head portrait of the user captured by camera for passing through the payment terminal with client is matched；

The payment platform according to the mark of the payment terminal, to the branch for installing the applications client Pay terminal and send the first identifying code；The payment platform receives the second identifying code that the payment terminal sends, And first identifying code and shown second identifying code are matched.

10. the method as described in claim 7 to 9 any claim, it is characterised in that the payment Platform is verified to the authorization message, and is withholdd when verifying successfully, is specifically included：

The ID that the payment platform sends according to the cash receiving terminal for receiving, determines pre- The corresponding authorization message of the ID for first storing；

The payment platform is right according to the corresponding authorization message of the ID for prestoring determined The authorization message that the cash receiving terminal for receiving sends is verified；

The payment platform when it is determined that verifying successfully, according to the corresponding payment account information of the ID Withholdd.

11. methods as claimed in claim 10, it is characterised in that the payment platform is according to determining The corresponding authorization message of the ID for prestoring, the institute that the cash receiving terminal to receiving sends State authorization message to be verified, specifically include any one of herein below or appoint multinomial combination：

The corresponding password of the ID for prestoring that the payment platform will be determined, and receives The cash receiving terminal send password matched；

The corresponding fingerprint of the ID for prestoring that the payment platform will be determined, and receives The cash receiving terminal send fingerprint matched；

Action message of the user that the payment platform will be prestored when authorization message is input into, and receives The cash receiving terminal send user be input into authorization message when action message matched；The action Information includes any one of following or appoints multinomial：When clicking on the speed of screen, clicking on each key on screen Residence time, the pressure value of each key clicked on screen on each key；

The corresponding head portrait of the ID for prestoring that the payment platform will be determined, and receives The cash receiving terminal camera that passes through the payment terminal, or by the camera of the cash receiving terminal The head portrait of captured user is matched.

12. method as described in claim 7 to 11 any claim, it is characterised in that the payment Platform receives cash receiving terminal and sends before paying request, also includes：

The payment platform receives the mark of the payment terminal that the cash receiving terminal sends；

The payment platform determines the corresponding ID of the mark of the payment terminal；

The payment platform sends the corresponding use of mark of the payment terminal determined to the cash receiving terminal Family identifies；So that the cash receiving terminal shows the corresponding user's mark of the mark of the received payment terminal Know.

A kind of 13. cash receiving terminals, it is characterised in that including：

Acquiring unit, in gathering, scanning the most strong payment terminal of signal, obtains described payment eventually The mark at end；

Display unit, the corresponding ID of mark for holding the display payment terminal, and gathering letter Breath, and point out user input authorization message；

Transmitting element, request is paid for being sent to the payment platform, and the payment request includes described The authorization message of ID, the Receiving information and user input, so that the payment platform is to described Withholdd when authorization message is verified successfully.

14. cash receiving terminals as claimed in claim 13, it is characterised in that being installed in the payment terminal should Use client；The applications client is stored with opening near-field communication module, and the applications client The mark of the payment terminal；

The acquiring unit, specifically for：

Near-field communication module is opened, and scans the signal of the payment terminal for being provided with the applications client；

Communication channel is set up and the applications client of the payment terminal between；

The mark of the payment terminal is obtained from the applications client by the communication channel.

15. cash receiving terminals as claimed in claim 14, it is characterised in that the near-field communication module is Bluetooth module or Wi-Fi module.

16. cash receiving terminal as described in claim 13 to 15 any claim, it is characterised in that connect The user for receiving includes any one of herein below or appoints to the authorization message that the cash receiving terminal is input into Multinomial combination：

The password that user is input；

At least one fingerprint of user input；

17. cash receiving terminals as claimed in claim 13, it is characterised in that the mark of the payment terminal is right The ID answered is specially：The mark of the payment terminal；Or

The display unit, specifically for：

The mark of the payment terminal for obtaining is sent to the payment platform, so that the payment platform is true Make the corresponding ID of mark of the payment terminal；

Receive the ID that the payment platform sends；

The received ID of display.

18. cash receiving terminals as claimed in claim 13, it is characterised in that also including processing unit, be used for：

When the payment terminal that scanning is arrived is determined, sent out to the payment terminal for scanning by transmitting element Send merchandise news；Wherein, the merchandise news is any in speech form, written form, visual form Item appoints multinomial combination；The merchandise news includes commodity favor information, merchandise news, welcome message Any one of or appoint multinomial combination.

A kind of 19. payment platforms, it is characterised in that including：

Receiving unit, payment request is sent for receiving cash receiving terminal, and described payment asks to include that user marks Knowledge, Receiving information and authorization message；Wherein, the ID is that the cash receiving terminal is scanned in gathering ID corresponding to the most strong payment terminal of the signal for going out；The authorization message is that the cash receiving terminal exists The authorization message that user is input into after prompting user input authorization message；

Processing unit, for being verified to the authorization message, and is withholdd when verifying successfully.

20. payment platforms as claimed in claim 19, it is characterised in that the receiving unit, are additionally operable to：

The registration request that the payment terminal passes through transmitted by installed applications client is received, wherein, institute Stating registration request includes mark, the ID, the authorization message of the payment terminal, and The payment account information of the payment terminal；

The processing unit, is additionally operable to：

Verified according to the registration request, when verifying successfully, the mark of the storage payment terminal, The ID, the authorization message, and the payment terminal payment account information；

Also include transmitting element, be used for：

The applications client that the payment terminal is installed sends the response succeeded in registration.

21. payment platforms as claimed in claim 20, it is characterised in that also include in the registration request The head portrait of the user captured by camera that the applications client passes through the payment terminal；It is described to authorize letter Also include the head portrait uploaded during payment account information described in user's registration in breath, or in the identity card of user Head portrait；

The processing unit, specifically for：

Verified according to the registration request, specifically include any one of herein below or appoint multinomial：

According to the ID, the payment account information to the payment terminal is verified；

The head portrait uploaded during payment account information described in the user's registration included to the authorization message, or Head portrait in the identity card of person user is identified, and the head portrait that will identify that passes through with the applications client The head portrait of the user captured by the camera of the payment terminal is matched；

According to the mark of the payment terminal, the is sent to the payment terminal for installing the applications client One identifying code；Receive the second identifying code that the payment terminal sends, and to first identifying code and shown Second identifying code is matched.

22. payment platform as described in claim 19 to 21 any claim, it is characterised in that institute Processing unit is stated, specifically for：

According to the ID that the cash receiving terminal that receives sends, prestore described is determined The corresponding authorization message of ID；

According to the corresponding authorization message of the ID for prestoring determined, described in receiving The authorization message that cash receiving terminal sends is verified；

When it is determined that verifying successfully, withholdd according to the corresponding payment account information of the ID.

23. payment platforms as claimed in claim 22, it is characterised in that the processing unit, it is specific to use In：

In the corresponding authorization message of the ID for prestoring that basis is determined, to the institute for receiving The authorization message for stating cash receiving terminal transmission is verified, and is specifically included any one of herein below or is appointed Multinomial combination：

The corresponding password of the ID for prestoring that will be determined, with the gathering end for receiving The password for sending is held to be matched；

The corresponding fingerprint of the ID for prestoring that will be determined, with the gathering end for receiving The fingerprint for sending is held to be matched；

The corresponding head portrait of the ID for prestoring that will be determined, with the gathering end for receiving Hold by the camera of the payment terminal, or the user captured by the camera for passing through the cash receiving terminal Head portrait matched.

24. payment platform as described in claim 19 to 23 any claim, it is characterised in that institute Receiving unit is stated, is additionally operable to：

Receive the mark of the payment terminal that the cash receiving terminal sends；

The processing unit, is additionally operable to：

Determine the corresponding ID of mark of the payment terminal；

The transmitting element, is additionally operable to：

The corresponding ID of mark of the payment terminal determined is sent to the cash receiving terminal；So that The cash receiving terminal shows the corresponding ID of mark of the received payment terminal.

A kind of 25. payment systems, it is characterised in that including：

Cash receiving terminal, in gathering, scanning the most strong payment terminal of signal, obtains described payment eventually The mark at end；The corresponding ID of mark of the end display payment terminal, and Receiving information, and carry Show user input authorization message；Sent to the payment platform and pay request, described payment asks to include institute The authorization message of ID, the Receiving information and user input is stated, so that the payment platform is to institute State when authorization message is verified successfully and withholdd；

Payment platform, payment request is sent for receiving cash receiving terminal, is verified to the authorization message, And withholdd when verifying successfully.