CN106845973B

CN106845973B - Payment method, collection terminal, payment platform and system

Info

Publication number: CN106845973B
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: 2021-01-08
Anticipated expiration: 2035-12-03
Also published as: CN106845973A

Abstract

The embodiment of the invention relates to the field of communication, in particular to a payment method, a collection terminal, a payment platform and a system, which are used for realizing more convenient payment and avoiding the problem that a user needs to take the payment terminal out of a bag or a clothes pocket in the payment process in the prior art. In the embodiment of the invention, the payment terminal with the strongest signal is scanned by the collection terminal during collection to obtain the identifier of the payment terminal, the collection terminal displays the user identifier and collection information corresponding to the identifier of the payment terminal and prompts the user to input authorization information, the collection terminal sends a payment request to the payment platform, and the payment request comprises the user identifier, the collection information and the authorization information input by the user, so that the payment platform deducts money when the authorization information is successfully verified. Because the signals of all payment terminals within the preset range can be automatically scanned by the collection terminal when the collection is carried out, the user does not need to take the payment terminal out of a pocket or a bag of clothes for payment, and the payment is more convenient.

Description

Payment method, collection terminal, payment platform and system

Technical Field

The embodiment of the invention relates to the field of communication, in particular to a payment method, a collection terminal, a payment platform and a system.

Background

When people shop daily, in addition to payment by cash, a bank of credit cards can be used for swiping a card on a card swiping machine, or a mobile phone can be used for payment of a third party, such as payment by WeChat or Payment treasures.

However, whether the bank card is swiped or the payment is made through the wechat or the payment treasure, the user needs to take the bank card out of the bag or the clothes pocket and swipe the bank card on the swiper, or take the mobile phone out of the bag or the clothes pocket and make the payment through the wechat or the payment treasure.

When a user goes shopping to pay, the user generally holds the bank card or the mobile phone by hand, and at the moment, the user is inconvenient to take the bank card or the mobile phone out of a bag or a pocket of clothes.

Disclosure of Invention

The embodiment of the invention provides a payment method, a collection terminal, a payment platform and a system, which are used for realizing more convenient payment and avoiding the problem that a user needs to take the payment terminal out of a bag or a clothes pocket in the payment process in the prior art.

The embodiment of the invention provides a payment method, which comprises the following steps:

when the collection terminal collects the money, the payment terminal with the strongest signal is scanned to obtain the identifier of the payment terminal;

the method comprises the steps that a payment receiving terminal displays a user identification corresponding to an identification of a payment terminal and payment receiving information, and prompts a user to input authorization information;

the payment terminal sends a payment request to the payment platform, wherein the payment request comprises the user identification, the payment information and the authorization information input by the user, so that the payment platform deducts money when the authorization information is verified successfully.

The payment terminal can automatically scan signals of all payment terminals within a preset range when receiving payment, and can determine the payment terminal with the strongest signal according to the strength of the scanned signals, and the payment terminal with the strongest signal is the payment terminal closest to the payment terminal, and the payment terminal closest to the payment terminal is the payment terminal needing payment. It is thus clear that this in-process need not the user and takes payment terminal out from clothes pocket or package and pay, and the sign of this payment terminal can be scanned out by collection terminal automatically, and then carries out a series of operations, and this payment process is more convenient, and avoids among the prior art in payment process need the user to take payment terminal out from in package or the clothes pocket problem.

Optionally, installing an application client in the payment terminal; the application client starts the close-range communication module, and the application client stores the identification of the payment terminal;

when the collection terminal collects money, the payment terminal with the strongest signal is scanned out to obtain the identifier of the payment terminal, and the method specifically comprises the following steps:

the collection terminal starts the close-range communication module and scans the signal of the payment terminal provided with the application client;

the payment receiving terminal determines the payment terminal with the strongest signal from the scanned payment terminals;

a communication channel is established between the application client of the collection terminal and the payment terminal;

and the collection terminal acquires the identifier of the payment terminal from the application client through the communication channel.

Optionally, the near field communication module is a bluetooth module or a Wi-Fi module.

Optionally, the authorization information input by the user to the cash receiving terminal received by the cash receiving terminal includes any one or a combination of any more of the following:

a password entered by the user;

at least one fingerprint input by a user;

clicking action information of a screen when a user inputs authorization information, wherein the action information comprises any one or more of the following items: the speed of clicking the screen, the dwell time on each key when clicking each key on the screen, the pressure value of clicking each key on the screen; specifically, any one or more of a speed at which the user clicks the screen when inputting the password, a time at which the user stays on each key when clicking each key on the screen when inputting the password, and a pressure value at which the user clicks each key on the screen when inputting the password; or at least one fingerprint input by the user, and any one or more of a speed of the user clicking on the screen when each of the at least one fingerprint is input, a time the user stays on the clicked screen when each of the at least one fingerprint is input, and a pressure value of the user clicking on the screen when each of the at least one fingerprint is input;

a user's avatar; the head portrait of the user is obtained by taking a picture of the user through a camera connected with the collection terminal when the collection terminal collects the money.

Optionally, the user identifier corresponding to the identifier of the payment terminal is specifically: an identity of the payment terminal.

Optionally, the displaying, by the payee terminal, the user identifier corresponding to the identifier of the payment terminal specifically includes:

the payment receiving terminal sends the acquired identification of the payment terminal to the payment platform so that the payment platform determines the user identification corresponding to the identification of the payment terminal;

the method comprises the steps that a collection terminal receives a user identifier sent by a payment platform;

the receiving terminal displays the received user identification.

Optionally, the method further comprises:

when the payment terminal determines the scanned payment terminal, the payment terminal broadcasts welcome information in a voice mode; and/or;

when the scanned payment terminal is determined, the payment terminal sends commodity information to the scanned payment terminal; the commodity information is any one or a combination of any more of a voice form, a text form and a video form; the commodity information includes any one or a combination of any more of commodity preference information, commodity information, and welcome information.

the payment platform receives a payment request sent by a collection terminal, wherein the payment request comprises a user identifier, collection information and authorization information; the user identification is the user identification corresponding to the payment terminal with the strongest signal scanned by the collection terminal during collection; the authorization information is the authorization information input by the user after prompting the user to input the authorization information by the collection terminal;

and the payment platform verifies the authorization information and deducts money when verification is successful.

Optionally, before the payment platform receives the payment request sent by the payment receiving terminal, the method further includes:

the payment platform receives a registration request sent by a payment terminal through an installed application client, wherein the registration request comprises an identifier of the payment terminal, a user identifier, authorization information and payment account information of the payment terminal;

the payment platform checks according to the registration request, and stores the identification, the user identification and the authorization information of the payment terminal and the payment account information of the payment terminal when the check is successful;

and the payment platform sends a response of successful registration to the application client installed in the payment terminal.

Optionally, the registration request further includes a user's avatar shot by the application client through a camera of the payment terminal; the authorization information also comprises a head portrait uploaded when the user registers the payment account information or a head portrait in an identity card of the user;

the payment platform checks according to the registration request, and specifically includes any one or more of the following:

the payment platform verifies the payment account information of the payment terminal according to the user identification;

the payment platform identifies the head portrait uploaded when the user registers the payment account information or the head portrait in the user identity card in the authorization information, and matches the identified head portrait with the head portrait of the user shot by the application client through a camera of the payment terminal;

the payment platform sends a first verification code to a payment terminal of the application client according to the identifier of the payment terminal; and the payment platform receives the second verification code sent by the payment terminal and matches the first verification code with the second verification code.

Optionally, the payment platform verifies the authorization information, and deducts money when the verification is successful, specifically including:

the payment platform determines authorization information corresponding to a pre-stored user identifier according to the received user identifier sent by the collection terminal;

the payment platform verifies the received authorization information sent by the collection terminal according to the determined authorization information corresponding to the pre-stored user identification;

and when the payment platform determines that the verification is successful, deducting money according to the payment account information corresponding to the user identification.

Optionally, the payment platform checks the received authorization information sent by the cash receiving terminal according to the determined authorization information corresponding to the pre-stored user identifier, and specifically includes any one or a combination of any more of the following:

the payment platform matches the determined password corresponding to the pre-stored user identification with the received password sent by the collection terminal;

the payment platform matches the fingerprint corresponding to the determined pre-stored user identification with the received fingerprint sent by the collection terminal;

the payment platform matches the head portrait corresponding to the determined pre-stored user identification with the received head portrait of the user shot by the payment terminal through the camera of the payment terminal or through the camera of the payment terminal;

clicking action information of a screen when a user inputs authorization information, wherein the action information comprises any one or more of the following items: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

Specifically, any one or more of a speed at which the user clicks the screen when inputting the password, a time at which the user stays on each key when clicking each key on the screen when inputting the password, and a pressure value at which the user clicks each key on the screen when inputting the password; or at least one fingerprint input by the user, and any one or more of a speed of the user clicking on the screen when each of the at least one fingerprint is input, a time the user stays on the clicked screen when each of the at least one fingerprint is input, and a pressure value of the user clicking on the screen when each of the at least one fingerprint is input;

optionally, the payment platform checks the received authorization information sent by the cash receiving terminal according to the determined authorization information corresponding to the pre-stored user identifier, and specifically includes:

the payment platform matches the pre-stored password corresponding to the determined user identifier with the received password sent by the cash receiving terminal, and any one or combination of any more of the following contents:

the payment platform matches a pre-stored speed of clicking the screen when the user inputs the authorization information with a received speed of clicking the screen when the user inputs the authorization information, wherein the speed is sent by the collection terminal;

the payment platform matches the pre-stored time of staying on each key when the user clicks each key on the screen when inputting the authorization information with the received time of staying on each key when the user clicks each key on the screen when inputting the authorization information, which is sent by the cash receiving terminal;

and the payment platform matches the pre-stored pressure value of each key on the screen when the user inputs the authorization information with the received pressure value of each key on the screen when the user inputs the authorization information, wherein the pressure value is sent by the cash receiving terminal.

the payment platform determines a fingerprint matched with the received fingerprint sent by the cash receiving terminal from at least one prestored fingerprint; the payment platform performs any one or a combination of any more of the following:

the payment platform matches a pre-stored speed of clicking the screen when the user inputs the matched fingerprint with a received speed of clicking the screen when the user inputs the fingerprint, which is sent by the collection terminal;

the payment platform matches the pre-stored time of the user staying on the clicked screen when inputting the matched fingerprint with the received time of the user staying on the clicked screen when inputting the fingerprint, which is sent by the collection terminal;

and the payment platform matches a pre-stored pressure value of the screen clicked when the user inputs the matched fingerprint with the received pressure value of the screen clicked when the user inputs the fingerprint, which is sent by the collection terminal.

the payment platform receives an identifier of a payment terminal sent by a collection terminal;

the payment platform determines a user identifier corresponding to the identifier of the payment terminal;

the payment platform sends the determined user identification corresponding to the identification of the payment terminal to the collection terminal; so that the money receiving terminal displays the user identification corresponding to the received identification of the payment terminal.

The embodiment of the invention provides a cash collecting terminal, which comprises:

the acquisition unit is used for scanning the payment terminal with the strongest signal to acquire the identifier of the payment terminal when receiving the money;

the display unit is used for displaying the user identification corresponding to the identification of the payment terminal and the collection information at the end and prompting the user to input the authorization information;

and the sending unit is used for sending a payment request to the payment platform, wherein the payment request comprises the user identification, the collection information and the authorization information input by the user, so that the payment platform deducts money when the authorization information is verified successfully.

an acquisition unit, specifically configured to:

starting a near field communication module, and scanning a signal of a payment terminal provided with an application client;

determining the payment terminal with the strongest signal from the scanned payment terminals;

establishing a communication channel with an application client of the payment terminal;

and acquiring the identifier of the payment terminal from the application client through the communication channel.

Optionally, the received authorization information input by the user to the cash receiving terminal includes any one or a combination of any more of the following:

a password entered by the user;

at least one fingerprint input by a user;

clicking action information of a screen when a user inputs authorization information, wherein the action information comprises any one or more of the following items: the speed of clicking the screen, the dwell time on each key when clicking each key on the screen, the pressure value of clicking each key on the screen;

Optionally, the display unit is specifically configured to:

sending the obtained identification of the payment terminal to a payment platform so that the payment platform determines a user identification corresponding to the identification of the payment terminal;

receiving a user identifier sent by a payment platform;

the received user identification is displayed.

Optionally, the apparatus further comprises a processing unit configured to:

when the scanned payment terminal is determined; broadcasting welcome information in a voice form; and/or;

when the scanned payment terminal is determined, sending commodity information to the scanned payment terminal through a sending unit; the commodity information is any one or a combination of any more of a voice form, a text form and a video form; the commodity information includes any one or a combination of any more of commodity preference information, commodity information, and welcome information.

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

the receiving unit is used for receiving a payment request sent by a collection terminal, wherein the payment request comprises a user identifier, collection information and authorization information; the user identification is the user identification corresponding to the payment terminal with the strongest signal scanned by the collection terminal during collection; the authorization information is the authorization information input by the user after prompting the user to input the authorization information by the collection terminal;

and the processing unit is used for verifying the authorization information and deducting money when the verification is successful.

Optionally, the receiving unit is further configured to:

receiving a registration request sent by a payment terminal through an installed application client, wherein the registration request comprises an identifier of the payment terminal, a user identifier, authorization information and payment account information of the payment terminal;

a processing unit further to:

checking according to the registration request, and storing the identifier, the user identifier, the authorization information of the payment terminal and the payment account information of the payment terminal when the checking is successful;

further comprising a transmitting unit for:

and the application client installed by the payment terminal sends a response of successful registration.

a processing unit, specifically configured to:

the verification according to the registration request specifically includes any one or any more of the following:

verifying the payment account information of the payment terminal according to the user identification;

identifying a head portrait uploaded when the user registers the payment account information or a head portrait in an identity card of the user and included in the authorization information, and matching the identified head portrait with a head portrait of the user shot by an application client through a camera of the payment terminal;

sending a first verification code to a payment terminal of an application client side according to the identification of the payment terminal; and receiving a second verification code sent by the payment terminal, and matching the first verification code with the second verification code.

Optionally, the processing unit is specifically configured to:

determining authorization information corresponding to a pre-stored user identifier according to the received user identifier sent by the money receiving terminal;

verifying the received authorization information sent by the money receiving terminal according to the determined authorization information corresponding to the pre-stored user identification;

and when the verification is determined to be successful, deducting money according to the payment account information corresponding to the user identification.

Optionally, the processing unit is specifically configured to:

verifying the received authorization information sent by the money receiving terminal according to the determined authorization information corresponding to the pre-stored user identification, wherein the verification specifically comprises any one or combination of any more of the following contents:

matching the determined password corresponding to the pre-stored user identification with the received password sent by the money receiving terminal;

matching the fingerprint corresponding to the determined pre-stored user identification with the received fingerprint sent by the money receiving terminal;

matching the head portrait corresponding to the determined pre-stored user identification with the head portrait of the user shot by the camera of the money collection terminal;

matching the pre-stored action information of the user when inputting the authorization information with the received action information of the user when inputting the authorization information, which is sent by the cash receiving terminal; the action information comprises any one or any more of the following: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

Optionally, the processing unit is specifically configured to:

matching the pre-stored password corresponding to the determined user identification with the received password sent by the cash receiving terminal, and any one or combination of any more of the following contents:

matching the pre-stored speed of clicking the screen when the user inputs the authorization information with the received speed of clicking the screen when the user inputs the authorization information sent by the cash receiving terminal;

matching the pre-stored time of staying on each key when the user clicks each key on the screen when inputting the authorization information with the received time of staying on each key when the user clicks each key on the screen when inputting the authorization information, wherein the time is sent by the cash receiving terminal;

and matching the pre-stored pressure value of each key on the screen clicked by the user when the user inputs the authorization information with the received pressure value of each key on the screen clicked by the user when the user inputs the authorization information, wherein the pressure value is sent by the cash receiving terminal.

Optionally, the processing unit is specifically configured to:

determining a fingerprint matched with the received fingerprint sent by the cash receiving terminal from at least one prestored fingerprint; the payment platform performs any one or a combination of any more of the following:

matching the pre-stored speed of clicking the screen when the user inputs the matched fingerprint with the received speed of clicking the screen when the user inputs the fingerprint, which is sent by the cash receiving terminal;

matching the pre-stored time that the user stays on the clicked screen when inputting the matched fingerprint with the received time that the user stays on the clicked screen when inputting the fingerprint, wherein the time is sent by the money receiving terminal;

and matching the pre-stored pressure value of the screen clicked when the user inputs the matched fingerprint with the received pressure value of the screen clicked when the user inputs the fingerprint, which is sent by the cash receiving terminal.

Optionally, the receiving unit is further configured to:

receiving an identifier of a payment terminal sent by a collection terminal;

a processing unit further to:

determining a user identifier corresponding to the identifier of the payment terminal;

a sending unit, further configured to:

sending the user identification corresponding to the determined identification of the payment terminal to the collection terminal; so that the money receiving terminal displays the user identification corresponding to the received identification of the payment terminal.

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

the payment terminal is used for scanning the payment terminal with the strongest signal to acquire the identifier of the payment terminal when receiving the payment; the terminal displays a user identification corresponding to the identification of the payment terminal and collection information, and prompts the user to input authorization information; sending a payment request to a payment platform, wherein the payment request comprises user identification, collection information and authorization information input by a user, so that the payment platform deducts money when the authorization information is verified successfully;

and the payment platform is used for receiving the payment request sent by the collection terminal, verifying the authorization information and deducting money when the verification is successful.

In the embodiment of the invention, when the payment is received, the payment terminal with the strongest signal is scanned by the collection terminal to obtain the identifier of the payment terminal, the collection terminal displays the user identifier corresponding to the identifier of the payment terminal and the collection information and prompts the user to input the authorization information, the collection terminal sends a payment request to the payment platform, and the payment request comprises the user identifier, the collection information and the authorization information input by the user, so that the payment platform deducts money when the authorization information is successfully verified. The payment terminal can automatically scan signals of all payment terminals within a preset range when receiving payment, and can determine the payment terminal with the strongest signal according to the strength of the scanned signals, and the payment terminal with the strongest signal is the payment terminal closest to the payment terminal, and the payment terminal closest to the payment terminal is the payment terminal needing payment. It is thus clear that this in-process need not the user and takes payment terminal out from clothes pocket or package and pay, and the sign of this payment terminal can be scanned out by collection terminal automatically, and then carries out a series of operations, and this payment process is more convenient, and avoids among the prior art in payment process need the user to take payment terminal out from in package or the clothes pocket problem.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a diagram illustrating a system architecture suitable for use with an embodiment of the present invention;

fig. 2 is a schematic flow chart of a payment method according to an embodiment of the present invention;

FIG. 3 is a schematic flow chart of another payment method provided in the embodiment of the present invention;

fig. 4 is a schematic structural diagram of a cash receiving terminal according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a payment platform according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a payment system according to an embodiment of the present invention.

Detailed Description

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

The payment Terminal and/or the payment receiving Terminal according to the embodiment of the present invention may include a handheld device, a vehicle-mounted device, a wearable device, a computing device or other processing devices connected to a wireless modem, and various forms of User Equipment (User Equipment, UE for short), a Mobile station (MS for short), a Terminal (Terminal), and a Terminal device (Terminal Equipment), and the like.

The term "and/or" herein is merely an association describing an associated object, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.

Identification or identification information for identifying an object, which may be: terminal, user. Such as the identity of the payment terminal, the identity of the user, etc. An identifier may include at least one of a name, a number, an id (identification), as long as the identified object can be distinguished from other objects.

As shown in fig. 1, a system architecture diagram applicable to the embodiment of the present invention is shown. One or more payment terminals may be included in the system architecture, such as payment terminal 101, payment terminal 102, payment terminal 103, payment terminal 104, payment terminal 105, payment terminal 106 shown in fig. 1; and a checkout terminal 107, a checkout terminal 108, and a paymate 109.

Optionally, the payment terminals are all installed with application clients, a user of the payment terminal registers with the payment platform 109 through the installed application clients, and after the registration is successful, the payment platform 109 stores authorization information of each payment terminal.

The payment receiving terminal 107 and the payment receiving terminal 108 can scan signals of all payment terminals within their coverage area, and can determine the payment terminal with the strongest signal according to the strength of the scanned signal, where the payment terminal with the strongest signal scanned by the payment receiving terminal is the payment terminal closest to the payment receiving terminal, and in real life, when a user pays, the user closest to the current payment receiving terminal is the user who currently pays.

For example, as shown in fig. 1, the payment terminal 101, the payment terminal 102, and the payment terminal 103 may be scanned within the coverage of the payment terminal 107, and since the payment terminal 101 is closest to the payment terminal 107, the payment terminal with the strongest signal intensity scanned by the payment terminal 107 is the payment terminal 101. Similarly, the payment terminal 104, the payment terminal 105, and the payment terminal 106 may be scanned within the coverage of the payee terminal 108, and since the payment terminal 104 is closest to the payee terminal 108, the payment terminal with the strongest signal intensity scanned by the payee terminal 108 is the payment terminal 104.

Further, the attendant uses the payment receiving terminal 107 to automatically scan out the signal of the payment terminal, and determines the payment terminal 101 with the strongest signal strength, and displays the user identifier corresponding to the identifier of the payment terminal 101 with the strongest signal strength and the payment receiving information on the display screen, and prompts the user to input the authorization information. The user of the payment terminal 101 directly inputs the authorization information on the display screen, the payment receiving terminal 107 sends the user identification, the collection information and the authorization information input by the user to the payment platform 109, and when the payment platform 109 successfully verifies the authorization information, the payment is deducted.

Based on the system architecture shown in fig. 1, fig. 2 shows a payment method implemented by a receiving terminal side according to an embodiment of the present invention, which includes the following steps:

step 201, when a payment terminal collects the money, scanning out a payment terminal with the strongest signal to obtain the identifier of the payment terminal;

202, the collection terminal displays the user identification corresponding to the identification of the payment terminal and collection information, and prompts the user to input authorization information;

step 203, the payment terminal sends a payment request to the payment platform, where the payment request includes the user identifier, the payment information, and the authorization information input by the user, so that the payment platform deducts money when the authorization information is successfully verified.

Optionally, the signal of the payment terminal in the embodiment of the present invention may be a bluetooth signal, or a short-distance communication signal such as a Wi-Fi signal.

Optionally, before step 201, an application client is installed in the payment terminal, and the application client starts a near field communication module corresponding to the payment terminal. The close range communication module corresponding to the payment terminal can be specifically:

the short-distance communication module in the payment terminal, or the short-distance communication module which is connected with the payment terminal and can represent the payment terminal, or the short-distance communication module which is not connected with the payment terminal and can represent the payment terminal.

The payment terminal communicates with the payment platform through the installed application client and can register on the payment platform.

Optionally, the specific registration process is:

the payment terminal sends a registration request to the payment platform through the installed application client, and the payment platform receives the registration request sent by the payment terminal through the installed application client, wherein the registration request comprises an identifier, a user identifier and authorization information of the payment terminal and payment account information of the payment terminal;

Optionally, the identifier of the payment terminal may be a number used for representing the payment terminal, such as a mobile phone number of the payment terminal, an IMSI number of the payment terminal, and the like. The user identification may be an identification of the payment terminal, or may be a name of the user, a nickname of the user, a mailbox number of the user, a registration name of the user, an identification number of the user, a head portrait on an identification card of the user, and the like. The payment account information of the payment terminal may be a bank card account number of the user, a bank card password, a reserved mobile phone number of the bank card, an identification number of the user, an avatar of an identification card of the user, or information of a third party payment account, such as a wechat payment account, a payment account number of a payment bank, and the like.

Optionally, the authorization information included in the registration request includes any one or a combination of any more of the following content a1 through content a 2:

content a 1: the content a1 is a password input by the user to the payment terminal. Or the content a1 is any one or more of a password input by the user to the payment terminal, and a speed at which the user clicks the screen when inputting the authorization information, a time at which the user stays on each key when clicking each key on the screen when inputting the authorization information, and a pressure value at which the user clicks each key on the screen when inputting the authorization information;

content a 2: content a2 is at least one fingerprint input by the user to the payment terminal. Or the content a2 is any one or more of at least one fingerprint input by the user to the payment terminal, and at least one fingerprint input by the user, and a speed of clicking the screen when the user inputs each of the at least one fingerprint, a time that the user stays on the clicked screen when the user inputs each of the at least one fingerprint, and a pressure value of clicking the screen when the user inputs each of the at least one fingerprint;

content a 3: a user's avatar; the head portrait of the user is a head portrait uploaded when the user registers payment account information or a head portrait in an identity card of the user.

Optionally, the registration request further includes a user's avatar shot by the application client through a camera of the payment terminal, and the authorization information further includes an avatar uploaded when the user registers payment account information, or an avatar in the user's identity card; then, the payment platform checks according to the registration request, specifically including any one or more of the following contents b1 to b 3:

content b 1: and the payment platform verifies the payment account information of the payment terminal according to the user identification. In specific implementation, the payment platform is connected to a payment system corresponding to the payment account information, such as a bank system or a third-party payment system, the payment account information corresponding to the user identifier is acquired from the payment system, the acquired payment account information is matched with the received payment account information sent by the payment terminal, for example, the information such as the user identifier, the payment account and the payment password is matched, and when all the information is consistent, the information verification of the payment account is successful.

Content b 2: the payment platform identifies the head portrait uploaded when the user registers the payment account information or the head portrait in the user identity card in the authorization information through a face recognition technology, matches the identified head portrait with the head portrait of the user shot by the application client through a camera of the payment terminal, and if the matching is successful, the head portrait of the user is verified successfully.

Content b 3: the payment platform sends a first verification code to a payment terminal of the application client according to the identifier of the payment terminal; and the payment platform receives the second verification code sent by the payment terminal, matches the first verification code with the second verification code, and if the first verification code is consistent with the second verification code, the verification code is successfully matched.

Whether the user is registered in real time can be further verified through the content b2 and the content b3, the safety of the user is further guaranteed, and the user is prevented from being registered by a person under the impersonation.

The paymate may verify any one or any plurality of the above-described content b1 through content b 3. The payment platform is preset with a designated item, and the designated item can be specifically any one or more of the content b1 to the content b 3. When the payment platform checks the specified item, the payment platform can be determined to successfully check according to the registration request when the contents of the specified item are successfully checked. For example, when the payment platform checks the content b1 and the content b2, the payment platform can determine that the payment platform successfully checks according to the registration request when the information of the payment account is successfully verified and the avatar of the user is successfully checked. For example, when the payment platform checks the content b1, the content b2, and the content b3, the payment platform can determine that the payment platform successfully checks according to the registration request only when the information of the payment account is successfully verified and the user's avatar is successfully verified and the verification code is successfully matched. For example, when the payment platform verifies the content b1, when the payment platform verifies the information of the payment account successfully, it is determined that the payment platform successfully verifies according to the registration request.

And when the payment platform determines that the payment platform successfully verifies according to the registration request, the payment platform sends a response of successful registration to the application client installed in the payment terminal. At this time, the user of the payment terminal successfully registers on the payment platform. Then, optionally, the application client may store the identifier of the payment terminal, the user identifier corresponding to the identifier of the payment terminal, the authorization information, and the payment account information of the payment terminal; optionally, the payment platform stores an identifier of the payment terminal, a user identifier, authorization information, and payment account information of the payment terminal.

In specific implementation, the application client can be an APP, the user downloads the APP, and the APP is installed on the payment terminal, and the payment terminal can be a terminal with a communication function, such as a smart phone and a tablet computer.

Through the steps, the user registers on the payment platform through the application client installed on the payment terminal. And then, the application client can automatically start the near field communication module corresponding to the payment terminal for installing the application client. Optionally, the application client may automatically start the near field communication module corresponding to the payment terminal immediately or within a preset time according to the setting of the user. Or the application client always starts the near field communication module corresponding to the payment terminal and operates in the background. Or the application client periodically starts the near field communication module corresponding to the payment terminal, scans external signals, continuously starts the near field communication module corresponding to the payment terminal when a signal of the payment terminal or a certain preset signal is scanned, and returns to the mode of periodically starting the near field communication module corresponding to the payment terminal again when the signal of the payment terminal or the certain preset signal is not scanned within a preset time period.

Optionally, the near field communication module is a bluetooth module or a Wi-Fi module. Namely, the application client starts the Bluetooth module of the payment terminal and enables the payment terminal to send a Bluetooth signal. Or the application client starts a Wi-Fi module of the payment terminal and enables the payment terminal to send Wi-Fi signals.

In step 201, the user finishes shopping, and the application client opens the near field communication module of the payment terminal, so that the payment terminal transmits a signal to the outside. The close-range communication module is also arranged in the money receiving terminal and can identify the signals transmitted by the payment terminal.

Optionally, installing an application client in the payment terminal; the application client starts the close-range communication module, and the application client stores the identification of the payment terminal; when the collection terminal collects money, the payment terminal with the strongest signal is scanned out to obtain the identifier of the payment terminal, and the method specifically comprises the following steps:

the collection terminal starts the close-range communication module and scans the signal of the payment terminal provided with the application client; the payment receiving terminal determines the payment terminal with the strongest signal from the scanned payment terminals; a communication channel is established between the application client of the collection terminal and the payment terminal; and the collection terminal acquires the identifier of the payment terminal from the application client through the communication channel.

Optionally, the user identifier corresponding to the identifier of the payment terminal specifically includes two ways:

in the first mode, the user identifier is the identifier of the payment terminal; at this time, the receiving terminal may directly display the user identifier.

In a second mode, the payment receiving terminal can directly obtain the user identifier from the application client of the payment terminal, or obtain the user identifier in the following mode:

the payment receiving terminal sends the acquired identification of the payment terminal to the payment platform so that the payment platform determines the user identification corresponding to the identification of the payment terminal; the method comprises the steps that a collection terminal receives a user identifier sent by a payment platform; the receiving terminal displays the received user identification.

The identification of the payment terminal in the first mode can be a mobile phone number of the user, the identification of the user in the second mode can be a name of the user, the first mode is simple and convenient, signaling interaction between the collection terminal and the payment platform is reduced, and network load is reduced. In the second mode, the money receiving terminal displays the user name, so that the user can check whether the displayed user identification is the user identification more simply and clearly, and convenience is provided for the user.

After the above step 202, the user correspondingly inputs the authorization information according to the lifting on the display screen of the cash receiving terminal. In step 203, the payment terminal sends a payment request to the payment platform, and the payment platform receives the payment request sent by the payment terminal, wherein the payment request includes the user identifier, the payment information and the authorization information; the user identification is the user identification corresponding to the payment terminal with the strongest signal scanned by the collection terminal during collection; the authorization information is the authorization information input by the user after prompting the user to input the authorization information by the collection terminal; and the payment platform verifies the authorization information and deducts money when verification is successful.

Alternatively, the payment information may include a payment amount, information of the purchased goods, discount information of the goods, unit price amount and total price of the goods, and the like.

Optionally, when the user registers through the application client installed on the payment terminal, authorization information is stored in the payment platform. When the user pays, the user inputs authorization information at the collection terminal, and the collection terminal sends the user identification, the collection information and the authorization information input by the user to the payment platform. The payment platform determines authorization information corresponding to a pre-stored user identifier according to the received user identifier sent by the collection terminal; and the payment platform verifies the received authorization information sent by the collection terminal according to the determined authorization information corresponding to the pre-stored user identification. And when the payment platform determines that the verification is successful, deducting money according to the payment account information corresponding to the user identification.

The authorization information input to the cash receiving terminal by the user and received by the cash receiving terminal can include any one or a combination of the following contents c 1-c 3:

content c 1: content c1 is a password entered by the user. Or the content c1 is a password input by the user, and any one or more of a speed at which the user clicks the screen when inputting the authorization information, a time at which the user stays on each key when clicking each key on the screen when inputting the authorization information, a pressure value at which the user clicks each key on the screen when inputting the authorization information;

content c 2: content c2 is at least one fingerprint entered by the user. Or the content c2, and the at least one fingerprint input by the user, and any one or more of a speed at which the user clicks on the screen when each of the at least one fingerprint is input, a time the user dwells on the clicked screen when each of the at least one fingerprint is input, a pressure value at which the user clicks on the screen when each of the at least one fingerprint is input;

content c 3: a user's avatar; the head portrait of the user is obtained by taking a picture of the user through a camera connected with the collection terminal when the collection terminal collects the money;

content c 4: clicking action information of a screen when a user inputs authorization information, wherein the action information comprises any one or more of the following items: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

Correspondingly, the payment platform matches the action information which is stored in advance when the user inputs the authorization information with the received action information which is sent by the cash receiving terminal when the user inputs the authorization information; the action information comprises any one or any more of the following: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

The embodiment of the present invention provides an optional implementation manner, where the payment platform verifies, according to the determined authorization information corresponding to the pre-stored user identifier, the received authorization information sent by the cash receiving terminal, where the authorization information specifically includes any one or a combination of any one of the following contents d1 to d 3:

content d 1: and the payment platform matches the determined password corresponding to the pre-stored user identification with the received password sent by the collection terminal. Alternatively, content d1 is: the payment platform matches the pre-stored password corresponding to the determined user identifier with the received password sent by the cash receiving terminal, and any one or combination of any more of the following contents:

For example, when the user registers, the user may input the authorization information to the terminal for multiple times, so that the payment platform may set a speed range for the speed of clicking the screen when the user inputs the authorization information, and when the payment platform receives the speed of clicking the screen when the user inputs the authorization information, which is sent by the cash receiving terminal, and determines that the speed of clicking the screen when the user inputs the authorization information, which is stored in advance, is successfully matched with the speed of clicking the screen when the user inputs the authorization information, which is sent by the cash receiving terminal, if it is determined that the speed sent by the cash receiving terminal is within the set speed range. The speed of clicking the screen is only taken as an example for description, and the time of staying on each key when each key on the screen is clicked is similar to the way of clicking the pressure value of each key on the screen and the speed of clicking the screen, and a time range and a pressure value range are set, which are not described again here.

Content d 2: and the payment platform matches the determined fingerprint corresponding to the pre-stored user identification with the received fingerprint sent by the cash receiving terminal. Therefore, convenience is further provided for the user, and the safety of payment is improved. Or the content d2 is that the payment platform determines the fingerprint matched with the received fingerprint sent by the cash receiving terminal from at least one prestored fingerprint; the payment platform performs any one or a combination of any more of the following:

Thus, the safety of payment is further improved.

For example, when the user registers, the user may input a fingerprint to the terminal for multiple times, so that the payment platform may set a speed range for the speed of clicking the screen when the user inputs the fingerprint, and when the payment platform receives the speed of clicking the screen when the user inputs the fingerprint, which is sent by the cash receiving terminal, and if it is determined that the speed sent by the cash receiving terminal is within the set speed range, it is determined that the speed of clicking the screen when the user inputs the authorization information, which is stored in advance, is successfully matched with the speed of clicking the screen when the user inputs the authorization information, which is sent by the cash receiving terminal. Only the speed of clicking the screen is taken as an example for description, but the time for staying on the clicked screen, the pressure value of clicking the screen when inputting the matched fingerprint and the speed of clicking the screen are similar in mode, a time range and a pressure value range are set, and details are not repeated herein.

Content d 3: and the payment platform matches the determined head portrait corresponding to the pre-stored user identification with the head portrait of the user shot by the camera of the money collection terminal. Therefore, convenience is further provided for the user, and the safety of payment is improved.

Optionally, when the user inputs an authorization request to the cash receiving terminal, the payment platform may determine that the authorization information is successfully verified only after all the authorization information input by the user at the cash receiving terminal is successfully verified.

Optionally, when the scanned payment terminal is determined by the collection terminal, the collection terminal broadcasts welcome information in a voice form. Optionally, when the scanned payment terminal is determined, the payment receiving terminal sends commodity information to the scanned payment terminal; the commodity information is any one or a combination of any more of a voice form, a text form and a video form; the commodity information includes any one or a combination of any more of commodity preference information, commodity information, and welcome information.

For example, when a user enters a shopping place, the cash collecting terminal broadcasts a voice to welcome a user in a shopping mall, so that the mood of the user is better, and the loyalty of the user to a supermarket or a shopping mall is improved. The collection terminal pushes commodity information to the payment terminal, which is beneficial to commercial promotion.

According to the embodiment of the invention, the payment terminal of the user is only close to the cashier desk where the collection terminal is located, the user does not need to take out the payment terminal, the collection terminal can automatically scan the payment terminal, and the user only needs to directly input the authorization information, so that great convenience is brought to the user, and the user experience is improved.

In a second aspect, in the authorization information in the embodiment of the present invention, the avatar of the user during shopping can be identified and further matched, and information such as key pressing force, key pressing time, key pressing speed, and the like when the user inputs the authorization information is analyzed and matched, so that the payment security is further improved.

Thirdly, the user only needs to install one application client to register, and the existing habits of the user are not changed, so that the user can accept the method and the system more easily.

From the above, it can be seen that: in the embodiment of the invention, when the payment is received, the payment terminal with the strongest signal is scanned by the collection terminal to obtain the identifier of the payment terminal, the collection terminal displays the user identifier corresponding to the identifier of the payment terminal and the collection information and prompts the user to input the authorization information, the collection terminal sends a payment request to the payment platform, and the payment request comprises the user identifier, the collection information and the authorization information input by the user, so that the payment platform deducts money when the authorization information is successfully verified. The payment terminal can automatically scan signals of all payment terminals within a preset range when receiving payment, and can determine the payment terminal with the strongest signal according to the strength of the scanned signals, and the payment terminal with the strongest signal is the payment terminal closest to the payment terminal, and the payment terminal closest to the payment terminal is the payment terminal needing payment. It is thus clear that this in-process need not the user and takes payment terminal out from clothes pocket or package and pay, and the sign of this payment terminal can be scanned out by collection terminal automatically, and then carries out a series of operations, and this payment process is more convenient, and avoids among the prior art in payment process need the user to take payment terminal out from in package or the clothes pocket problem.

Fig. 3 is a schematic flow chart illustrating a payment method according to an embodiment of the present invention.

Based on the same concept, an embodiment of the present invention provides a payment method, as shown in fig. 3, including:

step 301, a payment platform receives a payment request sent by a collection terminal, wherein the payment request comprises a user identifier, collection information and authorization information; the user identification is the user identification corresponding to the payment terminal with the strongest signal scanned by the collection terminal during collection; the authorization information is the authorization information input by the user after prompting the user to input the authorization information by the collection terminal;

step 302, the payment platform checks the authorization information and deducts money when the checking is successful.

the payment platform matches pre-stored action information of the user when inputting the authorization information with received action information of the user when inputting the authorization information, which is sent by the collection terminal; the action information comprises any one or any more of the following: the speed of clicking the screen, the dwell time on each key when clicking each key on the screen, the pressure value of clicking each key on the screen;

and the payment platform matches the determined head portrait corresponding to the pre-stored user identification with the head portrait of the user shot by the camera of the money collection terminal.

Fig. 4 is a schematic structural diagram illustrating a cash receiving terminal according to an embodiment of the present invention.

Based on the same concept, the embodiment of the present invention provides a cash receiving terminal 400, which includes an obtaining unit 401, a display unit 402, and a sending unit 403:

an acquisition unit, specifically configured to:

a password entered by the user; or a password input by the user, and any one or more of a speed at which the user clicks the screen when inputting the authorization information, a time at which the user stays on each key when clicking each key on the screen when inputting the authorization information, and a pressure value at which the user clicks each key on the screen when inputting the authorization information;

at least one fingerprint input by a user; or at least one fingerprint input by the user, and any one or more of a speed at which the user clicks the screen when each of the at least one fingerprint is input, a time that the user stays on the clicked screen when each of the at least one fingerprint is input, a pressure value at which the user clicks the screen when each of the at least one fingerprint is input;

Optionally, the display unit is specifically configured to:

receiving a user identifier sent by a payment platform;

the received user identification is displayed.

Optionally, the apparatus further comprises a processing unit configured to:

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

Based on the same concept, an embodiment of the present invention provides a payment platform 500, which includes a receiving unit 501, a processing unit 502, and optionally, a sending unit 503:

Optionally, the receiving unit is further configured to:

a processing unit further to:

further comprising a transmitting unit for:

a processing unit, specifically configured to:

Optionally, the processing unit is specifically configured to:

matching the pre-stored action information of the user when inputting the authorization information with the received action information of the user when inputting the authorization information, which is sent by the cash receiving terminal; the action information comprises any one or any more of the following: the speed of clicking the screen, the dwell time on each key when clicking each key on the screen, the pressure value of clicking each key on the screen;

and matching the head portrait corresponding to the determined pre-stored user identification with the received head portrait of the user shot by the collection terminal through the camera of the collection terminal.

Optionally, the processing unit is specifically configured to:

Optionally, the receiving unit is further configured to:

receiving an identifier of a payment terminal sent by a collection terminal;

a processing unit further to:

a sending unit, further configured to:

Fig. 6 is a schematic structural diagram illustrating a payment system provided by an embodiment of the present invention.

Based on the same concept, the embodiment of the present invention provides a payment system 600, which includes a payment receiving terminal 601 and a payment platform 602:

It should be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A payment method, comprising:

when a collection terminal collects money, the payment terminal with the strongest signal is scanned to obtain the identifier of the payment terminal;

the payment receiving terminal displays a user identification corresponding to the identification of the payment terminal and payment receiving information and prompts a user to input authorization information;

the payment receiving terminal sends a payment request to a payment platform, wherein the payment request comprises the user identification, the collection information and authorization information input by a user, so that the payment platform deducts money when the authorization information is verified successfully;

the payment terminal is provided with an application client; the application client starts a close-range communication module, and the application client stores the identification of the payment terminal;

when the collection terminal collects money, the payment terminal with the strongest signal is scanned to acquire the identifier of the payment terminal, and the method specifically comprises the following steps:

the collection terminal starts a close-range communication module and scans a signal of a payment terminal provided with the application client;

and the payment receiving terminal acquires the identifier of the payment terminal from the application client through the communication channel.

2. The method of claim 1, wherein the near field communication module is a bluetooth module or a Wi-Fi module.

3. The method of claim 1 or 2, wherein the authorisation information received by the cash register terminal and input by the user to the cash register terminal comprises any one or a combination of any more of:

a password entered by the user;

a user's avatar; the head portrait of the user is obtained by taking a picture of the user through a camera connected with the collection terminal when the collection terminal collects the money;

at least one fingerprint input by a user; or, clicking action information of a screen when the user inputs the authorization information, wherein the action information comprises any one or more of the following items: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

4. The method of claim 1, wherein the user identity is the same as an identity of the payment terminal; or;

the receiving terminal displays the user identification corresponding to the identification of the payment terminal, and the method specifically comprises the following steps:

the payment receiving terminal sends the acquired identifier of the payment terminal to the payment platform so that the payment platform determines a user identifier corresponding to the identifier of the payment terminal;

the payment receiving terminal receives the user identification sent by the payment platform;

and the receiving terminal displays the received user identification.

5. The method of claim 1, further comprising:

when the payment terminal determines the scanned payment terminal, the payment terminal broadcasts welcome information in a voice mode; and/or

When the scanned payment terminal is determined, the money receiving terminal sends commodity information to the scanned payment terminal; the commodity information is any one or a combination of any more of a voice form, a text form and a video form; the commodity information comprises any one or combination of any more of commodity discount information, commodity information and welcome information.

6. A payment method, comprising:

the payment platform receives a payment request sent by a collection terminal, wherein the payment request comprises a user identifier, collection information and authorization information; the user identification corresponds to an identification of a payment terminal, the identification of the payment terminal is the identification of the payment terminal obtained from the application client side by the communication channel, wherein the payment terminal is provided with a close-range communication module which is started by the collection terminal, scans a signal of the payment terminal provided with the application client side, determines the payment terminal with the strongest signal from the scanned payment terminal, and establishes the communication channel with the application client side of the payment terminal; an application client is installed in the payment terminal; the application client starts a close-range communication module, and the application client stores the identification of the payment terminal; the authorization information is the authorization information input by the user after the cash receiving terminal prompts the user to input the authorization information;

and the payment platform checks the authorization information and deducts money when the checking is successful.

7. The method of claim 6, wherein prior to the payment platform receiving the payment request sent by the checkout terminal, further comprising:

the payment platform receives a registration request sent by the payment terminal through the installed application client, wherein the registration request comprises an identifier of the payment terminal, the user identifier, the authorization information and payment account information of the payment terminal;

the payment platform checks according to the registration request, and stores the identifier of the payment terminal, the user identifier, the authorization information and the payment account information of the payment terminal when the check is successful;

8. The method of claim 7, wherein the registration request further includes a user's avatar shot by the application client through a camera of the payment terminal, the avatar being an avatar to be verified when verifying according to the registration request; the authorization information also comprises a head portrait uploaded by the user when the user registers the payment account information or a head portrait in an identity card of the user;

the payment platform identifies the head portrait uploaded by the user when the payment account information is registered in the authorization information or the head portrait in the user identification card, and matches the identified head portrait with the head portrait of the user shot by the application client through the camera of the payment terminal;

the payment platform sends a first verification code to the payment terminal provided with the application client according to the identifier of the payment terminal; and the payment platform receives a second verification code sent by the payment terminal and matches the first verification code with the second verification code.

9. The method according to any one of claims 6 to 8, wherein the payment platform verifies the authorization information and deducts a fee when the verification is successful, specifically comprising:

the payment platform determines authorization information corresponding to the user identification stored in advance according to the received user identification sent by the collection terminal;

the payment platform checks the received authorization information sent by the collection terminal according to the determined authorization information corresponding to the pre-stored user identification;

10. The method according to claim 9, wherein the payment platform verifies the received authorization information sent by the payment receiving terminal according to the determined authorization information corresponding to the pre-stored user identifier, which specifically includes any one or a combination of any more of the following:

the payment platform matches the determined pre-stored head portrait corresponding to the user identification with the received head portrait of the user shot by the collection terminal through a camera of the collection terminal;

the payment platform matches the fingerprint corresponding to the user identification which is determined to be stored in advance with the received fingerprint sent by the collection terminal; or, the payment platform matches pre-stored action information of the user when inputting the authorization information with the received action information of the user when inputting the authorization information, which is sent by the cash receiving terminal; the action information comprises any one or any more of the following: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

11. The method of any one of claims 6 to 8, wherein before the payment platform receives the payment request sent by the payment receiving terminal, the method further comprises:

the payment platform receives the identification of the payment terminal sent by the collection terminal;

the payment platform sends the determined user identification corresponding to the identification of the payment terminal to the collection terminal; and displaying the user identification corresponding to the received identification of the payment terminal by the money receiving terminal.

12. A checkout terminal, comprising:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for scanning the payment terminal with the strongest signal to acquire the identifier of the payment terminal when receiving money;

the display unit is used for displaying the user identification corresponding to the identification of the payment terminal and the payment receiving information and prompting the user to input the authorization information;

the payment platform comprises a sending unit and a payment processing unit, wherein the sending unit is used for sending a payment request to the payment platform, and the payment request comprises the user identification, the collection information and authorization information input by a user, so that the payment platform deducts money when the authorization information is verified successfully;

the obtaining unit is specifically configured to:

starting a near field communication module, and scanning a signal of a payment terminal provided with the application client;

13. A checkout terminal as claimed in claim 12, wherein the close range communication module is a bluetooth module or a Wi-Fi module.

14. A checkout terminal as claimed in any of claims 12 to 13, wherein the authorisation information received for input by the user to the checkout terminal comprises any one or a combination of any of:

a password entered by the user;

15. A checkout terminal as claimed in claim 12, in which the user identity is the same as the identity of the payment terminal; or;

the display unit is specifically configured to:

sending the obtained identification of the payment terminal to the payment platform so that the payment platform determines a user identification corresponding to the identification of the payment terminal;

receiving the user identification sent by the payment platform;

displaying the received user identification.

16. The checkout terminal of claim 12, further comprising a processing unit to:

when the scanned payment terminal is determined; broadcasting welcome information in a voice form; and/or

When the scanned payment terminal is determined, sending commodity information to the scanned payment terminal through a sending unit; the commodity information is any one or a combination of any more of a voice form, a text form and a video form; the commodity information comprises any one or combination of any more of commodity discount information, commodity information and welcome information.

17. A payment platform, comprising:

the receiving unit is used for receiving a payment request sent by a collection terminal, wherein the payment request comprises a user identifier, collection information and authorization information; the user identification corresponds to an identification of a payment terminal, the identification of the payment terminal is the identification of the payment terminal obtained from the application client side by the communication channel, wherein the payment terminal is provided with a close-range communication module which is started by the collection terminal, scans a signal of the payment terminal provided with the application client side, determines the payment terminal with the strongest signal from the scanned payment terminal, and establishes the communication channel with the application client side of the payment terminal; an application client is installed in the payment terminal; the application client starts a close-range communication module, and the application client stores the identification of the payment terminal; the authorization information is the authorization information input by the user after the cash receiving terminal prompts the user to input the authorization information;

18. A payment platform as recited in claim 17, wherein the receiving unit is further to:

receiving a registration request sent by the payment terminal through the installed application client, wherein the registration request comprises an identifier of the payment terminal, the user identifier, the authorization information and payment account information of the payment terminal;

the processing unit is further configured to:

checking according to the registration request, and storing the identifier of the payment terminal, the user identifier, the authorization information and the payment account information of the payment terminal when the checking is successful;

further comprising a transmitting unit for:

19. The payment platform of claim 18, wherein the registration request further includes a user's avatar shot by the application client through a camera of the payment terminal, the avatar being an avatar to be verified when verifying according to the registration request; the authorization information also comprises a head portrait uploaded by the user when the user registers the payment account information or a head portrait in an identity card of the user;

the processing unit is specifically configured to:

the verification according to the registration request specifically includes any one or more of the following:

identifying a head portrait uploaded when the user registers the payment account information or a head portrait in an identity card of the user and included in the authorization information, and matching the identified head portrait with a head portrait of the user shot by the application client through a camera of the payment terminal;

sending a first verification code to the payment terminal provided with the application client according to the identifier of the payment terminal; and receiving a second verification code sent by the payment terminal, and matching the first verification code with the second verification code.

20. Payment platform according to any one of claims 17 to 19, wherein the processing unit is specifically configured to:

determining authorization information corresponding to the pre-stored user identification according to the received user identification sent by the collection terminal;

21. A payment platform as recited in claim 20, wherein the processing unit is specifically configured to:

verifying the received authorization information sent by the money receiving terminal according to the determined authorization information corresponding to the pre-stored user identifier, wherein the verification specifically comprises any one or a combination of any more of the following contents:

matching the determined head portrait corresponding to the pre-stored user identification with the head portrait of the user shot by the camera of the money receiving terminal;

matching the determined fingerprint corresponding to the pre-stored user identification with the received fingerprint sent by the money receiving terminal; or, matching the action information which is stored in advance when the user inputs the authorization information with the received action information which is sent by the money receiving terminal when the user inputs the authorization information; the action information comprises any one or any more of the following: speed of clicking the screen, time spent on each key when clicking each key on the screen, pressure value of clicking each key on the screen.

22. A payment platform as claimed in any one of claims 17 to 19, wherein the receiving unit is further configured to:

receiving the identifier of the payment terminal sent by the collection terminal;

the processing unit is further configured to:

the sending unit is further configured to:

sending the determined user identification corresponding to the identification of the payment terminal to the collection terminal; and displaying the user identification corresponding to the received identification of the payment terminal by the money receiving terminal.

23. A payment system, comprising:

the payment terminal is used for scanning the payment terminal with the strongest signal to acquire the identifier of the payment terminal when receiving the payment; displaying a user identifier corresponding to the identifier of the payment terminal and collection information, and prompting a user to input authorization information; sending a payment request to a payment platform, wherein the payment request comprises the user identification, the collection information and authorization information input by a user, so that the payment platform deducts money when the authorization information is verified successfully; an application client is installed in the payment terminal; the application client starts a close-range communication module, and the application client stores the identification of the payment terminal; the obtaining unit is specifically configured to: starting a near field communication module, and scanning a signal of a payment terminal provided with the application client; determining the payment terminal with the strongest signal from the scanned payment terminals; establishing a communication channel with an application client of the payment terminal; acquiring the identifier of the payment terminal from the application client through the communication channel;

and the payment platform is used for receiving a payment request sent by the collection terminal, verifying the authorization information and deducting money when the verification is successful.