CN109102279A - Payment processing method, device, server and equipment - Google Patents
Payment processing method, device, server and equipment Download PDFInfo
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- CN109102279A CN109102279A CN201810847143.4A CN201810847143A CN109102279A CN 109102279 A CN109102279 A CN 109102279A CN 201810847143 A CN201810847143 A CN 201810847143A CN 109102279 A CN109102279 A CN 109102279A
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- Prior art keywords
- verifying password
- request
- target device
- payment
- payment request
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
This specification provides a kind of payment processing method, device, server and equipment, and portable equipment determines that user wishes to initiate a payment based on " detecting connection signal " and " equipment is in targeted attitude ".Therefore, if user needs to pay, portable equipment can be held close to target device, so that portable equipment is able to detect that the connection signal that target device issues.There is the connection signal for carrying verifying password since target device issues, the connection signal can be detected in portable equipment；In addition, user can enable portable equipment be in targeted attitude, it is based on this, target device is believed that user will carry out a payment, and initiates to carry the payment request of verifying password.And target device can also initiate to carry the gathering request of the verifying password, after server-side receives payment request and gathering request, the verifying password in payment request can be verified according to the verifying password that target device generates, the payment request and gathering request are responded based on verification result.
Description
Technical field
This specification is related to Internet technical field more particularly to payment processing method, device, server and equipment.
Background technique
With the development of Internet technology and terminal technology, the online lower several scenes such as shop or traffic trip, mobile branch
It pays and has become the common means of payment of one of people's daily life.By taking public transport scene as an example, smart phone is can be used in user
Equal portable terminals installation has the APP (application, using) of payment function, if desired pays the bill, APP can show and be used for
The code by bus of fare is paid, data relevant to payment should be carried by code by bus.Cash collecting equipment on bus can be by taking the photograph
Picture head or scanning device identify code of riding, and by obtaining the data carried in code of riding, and then completion is paid.Based on this, need
A kind of more convenient payment scheme is provided.
Summary of the invention
To overcome the problems in correlation technique, it present description provides payment processing method, device, server and sets
It is standby.
According to this specification embodiment in a first aspect, providing a kind of payment processing method, which comprises
Confirmly detect carry verifying password connection signal after, obtain equipment attitude parameter, the connection signal by
Target device issues；
If the equipment attitude parameter matches targeted attitude, payment request is initiated to server-side, the payment request carries
There is the verifying password, so that the server-side carries the payment request according to the verifying password that the target device generates
Verifying password verified after respond the payment request.
Optionally, the connection signal includes: iBeacon signal.
Optionally, the method is applied to client, and the client executes the payment after being waken up by operating system
Reason method, the client are waken up after the operating system detects the connection signal.
Optionally, the connection signal also carries target device mark, and the payment request also carries the target
Device identification.
Optionally, the payment request also carries payment parameter.
According to the second aspect of this specification embodiment, a kind of payment processing method is provided, which comprises
Verifying password is generated according to targeted time period；
Connection signal is issued, the connection signal carries the verifying password currently to come into force；
The gathering request for carrying the verifying password is sent to server-side, so that the server-side sends out portable equipment
The verifying password carried in the payment request risen responds the gathering request after being verified.
Optionally, it is described the verifying password is sent to server-side before, the method also includes:
It receives the verifying password that server-side is initiated and sends request.
Optionally, the gathering request also carries gathering parameter.
Optionally, the connection signal includes: iBeacon signal.
According to the third aspect of this specification embodiment, a kind of payment processing method is provided, which comprises
Receive portable equipment initiate carry verifying password payment request, wherein the verifying password be it is described just
It takes in the connection signal that equipment detection target device issues and gets；
Receive the gathering request for carrying verifying password that the target device is initiated；
The verifying password that the payment request carries is verified using the verifying password that the target device generates；
The response results to the payment request and the gathering request are determined according to verification result.
Optionally, the verifying password that the verifying password generated using the target device carries the payment request
It is verified, comprising:
Verify whether the verifying password that the target device generates matches with the verifying password that the payment request carries.
Optionally, described before receiving the gathering request for carrying verifying password that the target device is initiated, the side
Method includes:
Verifying password, which is initiated, to the target device sends request.
Optionally, the payment request also carries the target device mark, and the target device passes through the target
Device identification is found.
Optionally, the payment request also carries payment parameter, and the payment parameter includes payer account information, institute
It states gathering request and also carries gathering parameter；The response results include: to be carried out based on the gathering parameter to payer account
The result of withholing withholdd.
Optionally, the method also includes: send response results message to the portable equipment and target device respectively.
According to the fourth aspect of this specification embodiment, a kind of payment processing device is provided, described device includes:
Attitude parameter obtains module, is used for: after confirmly detecting the connection signal for carrying verifying password, obtaining equipment appearance
State parameter, the connection signal are issued by target device；
Initiation module is paid, is used for: if the equipment attitude parameter matches targeted attitude, initiating payment to server-side and asks
It asks, the payment request carries the verifying password, the verifying mouth generated for the server-side according to the target device
Order responds the payment request after verifying to the verifying password that the payment request carries.
Optionally, the connection signal includes: iBeacon signal.
Optionally, described device is applied to client, and the client executes the payment after being waken up by operating system
Reason method, the client are waken up after the operating system detects the connection signal.
Optionally, the payment request also carries payment parameter.
According to the 5th of this specification embodiment the aspect, a kind of payment processing device is provided, described device includes:
Command generation module is used for: generating verifying password according to targeted time period；
Signal issues module, is used for: issuing connection signal, the connection signal carries the verifying password currently to come into force；
Gathering initiation module, is used for: the gathering request that will carry the verifying password is sent to server-side, for described
The verifying password carried in the payment request that server-side initiates portable equipment responds the gathering request after verifying.
Optionally, the gathering initiation module, is also used to: it is described the verifying password is sent to server-side before,
It receives the verifying password that server-side is initiated and sends request.
Optionally, the gathering request also carries gathering parameter.
Optionally, the connection signal includes: iBeacon signal.
According to the 6th of this specification embodiment the aspect, a kind of payment processing device is provided, described device includes:
Payment request receiving module, is used for: the payment request for carrying verifying password that portable equipment is initiated is received,
In, described verify gets in the connection signal that password is the portable equipment detection target device sending；
Gathering request receiving module, is used for: receiving the gathering request for carrying verifying password that the target device is initiated；
Authentication module is used for: the verifying carried using the verifying password that the target device generates to the payment request
Password is verified；
Respond module is used for: determining the response results to the payment request and the gathering request according to verification result.
Optionally, the authentication module, is also used to:
Verify whether the verifying password that the target device generates matches with the verifying password that the payment request carries.
Optionally, the payment request also carries payment parameter, and the payment parameter includes payer account information, institute
It states gathering request and also carries gathering parameter；The response results include: to be carried out based on the gathering parameter to payer account
The result of withholing withholdd.
Optionally, described device further includes sending module, is used for: sending ring to the portable equipment and target device respectively
Answer results messages.
According to the 7th of this specification embodiment the aspect, a kind of portable equipment, including memory, processor and storage are provided
On a memory and the computer program that can run on a processor, wherein the processor is realized such as when executing described program
Lower method:
Confirmly detect carry verifying password connection signal after, obtain equipment attitude parameter, the connection signal by
Target device issues；
If the equipment attitude parameter matches targeted attitude, payment request is initiated to server-side, the payment request carries
There is the verifying password, so that the server-side carries the payment request according to the verifying password that the target device generates
Verifying password verified after respond the payment request.
According to the eighth aspect of this specification embodiment, a kind of electronic equipment, including memory, processor and storage are provided
On a memory and the computer program that can run on a processor, wherein the processor is realized such as when executing described program
Lower method:
Verifying password is generated according to targeted time period；
Connection signal is issued, the connection signal carries the verifying password currently to come into force；
The gathering request for carrying the verifying password is sent to server-side, so that the server-side sends out portable equipment
The verifying password carried in the payment request risen responds the gathering request after being verified.
According to the 9th of this specification embodiment aspect, a kind of server is provided, including memory, processor and be stored in
On memory and the computer program that can run on a processor, wherein the processor is realized as follows when executing described program
Method:
Receive portable equipment initiate carry verifying password payment request, wherein the verifying password be it is described just
It takes in the connection signal that equipment detection target device issues and gets；
Receive the gathering request for carrying verifying password that the target device is initiated；
The verifying password that the payment request carries is verified using the verifying password that the target device generates；
The response results to the payment request and the gathering request are determined according to verification result.
The technical solution that the embodiment of this specification provides can include the following benefits:
In this specification embodiment, portable equipment can be based on " detecting connection signal " and " equipment is in targeted attitude "
Determine that user wishes to initiate a payment.Therefore, if user needs to pay, portable equipment can be held close to target device, so that
Portable equipment is able to detect that the connection signal that target device issues.There is the connection for carrying verifying password since target device issues
The connection signal can be detected in signal, portable equipment；In addition, user can enable portable equipment be in targeted attitude, it is based on this, target
Equipment is believed that user will carry out a payment, and initiates to carry the payment request of verifying password.And target device can also be with
The gathering request for initiating to carry the verifying password can be according to target after server-side receives payment request and gathering request
Equipment generate verifying password the verifying password in payment request is verified, based on verification result respond the payment request with
Gathering request.In the present embodiment, user can carry out a payment by shirtsleeve operation, and payment process is convenient and efficient.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the reality for meeting this specification
Example is applied, and is used to explain the principle of this specification together with specification.
Fig. 1 is a kind of this specification scene figure of payment processing method shown according to an exemplary embodiment.
Fig. 2A is a kind of this specification flow chart of payment processing method shown according to an exemplary embodiment.
Fig. 2 B is a kind of this specification payment schematic diagram of a scenario shown according to an exemplary embodiment.
Fig. 3 is portable equipment/a kind of hardware of electronic equipment/server where this specification embodiment payment processing device
Structure chart.
Fig. 4 is a kind of this specification block diagram of payment processing device shown according to an exemplary embodiment.
Fig. 5 is the block diagram of this specification another payment processing device shown according to an exemplary embodiment.
Fig. 6 is the block diagram of this specification another payment processing device shown according to an exemplary embodiment.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
In most of mobile payment scene, the payment code that gathering method, apparatus is provided using camera scanning user, therefore
Have certain requirement to the quality of camera, if camera it is second-rate, focusing it is slower, be likely to result in identification payment code compared with
Slow situation, it is also possible to will appear payment code and be not aligned with camera, user is needed to adjust convenience devices preferably to complete
Payment.
It based on this, please refers to shown in Fig. 1, is a kind of this specification payment processing side shown according to an exemplary embodiment
The scene figure of method, for the ease of distinguishing, the equipment that the present embodiment is held user is known as portable equipment, with intelligent hand in Fig. 1
For machine, portable equipment can also be the equipment such as intelligent glasses or smartwatch.Payment scene in, further relate to it is another kind of with just
The equipment that a payment is completed in equipment cooperation is taken, the present embodiment is known as target device, which may be by all kinds of service providers
Family possesses, and can be deployed in trade company and provide in the physical region of commerce services.For example, shop scene under online, target device
Commodity clearing region can be deployed in, in traffic trip scene, target device can be deployed on bus, subway entrance,
Train entrance etc..
This specification embodiment proposes a kind of payment scheme, and the program can be applied to scene as shown in Figure 1, portable equipment
It can determine that user wishes to initiate a payment based on " detecting connection signal " and " equipment is in targeted attitude ".Therefore, if
User needs to pay, and can hold portable equipment close to target device, so that portable equipment is able to detect that target device issued
Connection signal.There is the connection signal for carrying verifying password since target device issues, the connection can be detected in portable equipment
Signal；In addition, user can enable portable equipment be in targeted attitude, it is based on this, target device is believed that user will carry out a branch
It pays, and initiates to carry the payment request of verifying password.And target device can also initiate to carry the receipts of the verifying password
Money request can be according to the verifying password that target device generates to branch after payment services termination receives payment request and gathering request
The verifying password paid in request is verified, and responds the payment request and gathering request based on verification result.In the present embodiment, use
Family can carry out a payment by shirtsleeve operation, and payment process is convenient and efficient.
It as shown in Figure 2 A, is a kind of this specification process of payment processing method shown according to an exemplary embodiment
Scheme, the payment services end, portable equipment and target device three in Fig. 2A, which cooperate, completes to execute following process flow:
In step 202, target device generates verifying password according to targeted time period.
In step 204, target device issues connection signal, and the connection signal carries the verifying mouth currently to come into force
It enables.
In step 206, portable equipment confirmly detects the connection signal for carrying verifying password.
In a step 208, portable equipment obtains equipment attitude parameter.
In step 210, portable equipment judges whether the equipment attitude parameter matches targeted attitude.
In the step 212, portable equipment determines that attitude parameter matches targeted attitude, initiates payment request, institute to server-side
It states payment request and carries the verifying password.
In step 214, server-side receives the payment request.
In the step 216, target device initiates to carry the gathering request of verifying password to server-side.
In step 218, server-side receives the gathering request that target device is initiated.
In a step 220, server-side carries the payment request using the verifying password that the target device generates
Verifying password is verified.
In step 222, the response results to the payment request and the gathering request are determined according to verification result.
In the present embodiment, target device can be by configuring one verifying password generated journey of a verifying password generator or operation
Sequence, so as to generate verifying password according to targeted time period, the targeted time period can flexible configuration according to actual needs,
Such as 60 seconds or 120 seconds.On the other hand, target device may also be configured with communication module, and capable of emitting carry of the communication module is tested
The connection signal of password is demonstrate,proved, for portable equipment detection.Optionally, the communication module can be bluetooth, Wi-Fi
(Wireless Fidelity, Wireless Fidelity), near-field communication, UWB (Ultra Wideband, a kind of no-load communication techniques)
Or the communication modules such as HomeRF (home radio).
In payment scene in the present embodiment, the payment trigger condition of portable equipment is: it is required that user holds portable equipment
Close to target device to detect connection signal, and controls portable equipment and be in targeted attitude.That is, portable equipment is based on
" detecting connection signal " and " equipment is in targeted attitude " determines that user wishes to initiate a payment.Therefore, in the present embodiment
In payment scene, if user needs to pay, user can be with hand-held portable devices close to target device, so that portable equipment can
Detect the connection signal that target device is initiated.There is the connection signal for carrying verifying password since target device issues, just
Taking equipment can be detected the connection signal, be based on this, and target device can consider that user may prepare to carry out a payment；Separately
On the one hand, the payment scheme of the present embodiment can be in advance with user's agreement using a certain targeted attitude as the triggering item of payment
Part.The targeted attitude can be " shaking ", shake or lay flat shape under laid-flat status, in a vertical state, vertical state
Shaken under state etc..
If user makes portable equipment be in the targeted attitude according to the requirement of targeted attitude, then portable equipment can initiate to prop up
Pay request.Specifically, portable equipment detects the process whether itself is in targeted attitude, it can be portable equipment and be based on itself institute
The detection devices attitude parameter such as gyroscope, attitude transducer, angular transducer or acceleration transducer of configuration, such as equipment
Towards parameter, three axis direction parameters, 3-axis acceleration parameter or three axis angular rate parameters, based on these equipment attitude parameters and set
The variation of standby attitude parameter, portable equipment can determine whether itself is in targeted attitude.Based on above-mentioned judgement, portable equipment is being examined
In the case where measuring connection signal and itself matching targeted attitude, it is believed that user is desired with delivery operation, portable equipment
Payment request is initiated to server-side, wherein, can be with since portable equipment detects to obtain the connection signal of target device sending
The verifying password carried in connection signal is obtained, and payment request is made to carry the verifying password.
From the perspective of server-side, server-side can receive the payment for carrying verifying password of portable equipment initiation
Request, and after server-side receives the payment request, it needs to be verified with target device, to determine that the transaction is in target
Occur between equipment and portable equipment.It can be received due to server-side at the payment between more portable equipment and target device
Reason, the first purpose of verifying are payment processing errors in order to prevent.And target device is as the Cash collecting equipment in this payment, mesh
Marking device can issue the gathering request for carrying verifying password, and server-side utilizes the verifying password pair in gathering request after receiving
Verifying password in payment request is verified, and verification mode can be the verifying password and institute for verifying that the target device generates
Whether the verifying password for stating payment request carrying matches, and optionally, can be the verifying password in comparison gathering request and payment
Whether the verifying password in request is identical.In other modes, the verifying password carried in connection signal can also be by
The verifying password data of encryption, the verifying password that target device is sent are also possible to by encryption, server with just
It takes equipment and target device shares same enciphering and deciphering algorithm, number between server and target device and portable equipment can be improved
According to interactive safety.In the case where verifying password by encryption, verification mode can be the verifying after judgement decryption
Whether password matches etc..
Wherein, target device generate verifying password and be carried on gathering request in be sent to server so that server
Knowing between target device and portable equipment has a payment to need to handle, and optionally, in practical application, in some instances may be used
By be based on signal strength etc. in a manner of detected portable equipment and send gathering request close to rear.In other examples, it can be
It realizes there is triggering interface on target device, gathering request is sent after the instruction triggered by the triggering interface to user.?
In other examples, it can also be that server-side initiates verifying password to target device and sends request, target device receives server-side
After the verifying password of initiation sends request, the gathering request for carrying the verifying password is sent to server-side.Wherein, due to
Server-side requires to look up target device and initiates to request, and therefore, the connection signal that target device issues, which can carry, itself to be set
Standby mark, and portable equipment can enable payment request carry the device identification, so that server-side can pass through target device
Identifier lookup is to target device.
Optionally, gathering parameter can be carried in gathering request, such as the mark of target device, collection amount, gathering are said
Bright information, beneficiary mark, beneficiary title or payment collection time etc..Corresponding, payment request can also carry payment ginseng
Number, payment parameter may include payer account information, payment amount, payer title or payment instructions information etc..Utilize receipts
Money parameter and payment parameter, server-side can respond the payment request and payment request, and response mode can be based on gathering
Parameter withholds to payer account, to realize this payment processing.After response, server-side can be respectively to described portable
Equipment and target device send response results message, which indicates whether this payment processing succeeds, either
Withholing after being successfully processed is as a result, make portable equipment and the available payment processing result of target device.
Wherein, the process of the detection involved in the process flow in the present embodiment to connection signal, detection is needed by portable
Communication module in equipment executes, and in some instances, performed process can be by being pacified on portable equipment on portable equipment
The client of dress realizes that open have permission of operating system gives the client, so that communication module is after detecting connection signal, it can
To be supplied to client by operating system, the available communication module that arrives of client is to the testing result of connection signal, in turn
Execute payment processing method.In some instances, such as operating systems, the client such as Android are run in portable equipment, i.e.,
Make client in running background, based on the permission that this type operating system is opened, client can still get logical in running background
Believe the testing result of module.In such mode, user pays seasonal portable equipment in needs and close to target device and enables portable set
Standby to be in targeted attitude, user is without unlocking portable equipment and manually booting client, and user's operation is considerably less, at payment
It manages very quick.
In other operating systems such as iOS etc., client may be limited some function after running background by operating system
It can, it is also possible to it is out of service by operating system, therefore, user can be required to start client when needing to pay, made
Client can execute the payment processing method of the present embodiment in front stage operation.In other examples, in order to reduce use
Family operation, client execute the payment processing method after being waken up by operating system, client is in the operating system
It is waken up after detecting the connection signal., can be based on interface provided by operating system in such mode, client can be with
To the operating system application permission.As an example, connection signal can be iBeacon signal, and the equipment based on iOS system can be with
Support iBeacon signal detection, even if client is not run, operating system can client-based pre- first to file, grasping
After the iBeacon signal for making system detection to client application is detected, operating system can wake up client, make client can
To execute subsequent payment processing after being waken up, under such mode, user does not need unlock portable equipment and manually boots client
End, user's operation is considerably less, and payment processing is very quick.Wherein, by taking iOS system as an example, client is to operating system application
The detection of iBeacon signal, application process need to open following two positioning permission: self.locationManagerrequest
AlwaysAuthorization and NSLocationAlwaysUsageDescription.
Correspondingly, target device needs to issue iBeacon signal, in some instances, target device can be configured
IBeacon signaling module, if target device is the equipment for configuring common bluetooth module, can pass through software in other examples
Configuration enables target device send out according to the header format (head of iBeacon signal is 02 01 06 1A FF) of iBeacon signal
Bluetooth signal out, to achieve the purpose that simulate iBeacon signal.And portable equipment is when detecting connection signal, detect with
The connection signal that the header format of iBeacon signal issues, and then confirmly detect iBeacon signal.
This specification embodiment can be applied to several scenes, be illustrated followed by three application scenarios.
The first, public transport scene (by taking standing charge as an example)
The public transport scene of the present embodiment, is illustrated by taking standing charge as an example, and the target device of the present embodiment can be deployed in
On bus.Target device can keep being connected to the network as Cash collecting equipment with server-side, also, server-side can be pre-recorded
The relevant information of target device, such as (the present embodiment is solid to the gathering such as device identification or the equipment corresponding expense of withholing parameter
Devise a stratagem takes scene, and the payment such as expense of withholing parameter can be recorded by server-side in advance).Target device can be according to targeted time period
Verifying password is generated, target device may also be configured with communication module, and the communication module is capable of emitting to carry verifying password and target
The connection signal of device identification, for portable equipment detection.
The portable equipment (wearable devices such as such as smart phone or smartwatch) of user is mountable Third-party payment
APP, the APP such as service are taken for providing subway.After the upper bus of user, user can enable portable equipment close to target device, with
The connection signal for making portable equipment be able to detect that target device is initiated.User is according to targeted attitude (such as " shaking " or mobile phone
Lay flat) requirement, so that portable equipment is in the targeted attitude, then portable equipment installation APP can initiate payment request,
In, payment request can carry verifying password and target device mark.
After server-side receives payment request, set according to the target device identifier lookup carried in payment request to target
It is standby, verifying password request is initiated to target device.After target device receives, determine that server-side is currently just handling a payment, by
In the Cash collecting equipment that target device itself is as bus, therefore target device initiates gathering request, the gathering to server-side
Request carries verifying password.After server-side receives, the verifying password carried to the payment request is verified, if verifying is logical
It crosses, server-side will execute payment processing.In this specification embodiment, server-side can inquire the gathering parameter of target device,
The payment request that can be initiated based on portable equipment determines payer account, so based on gathering parameter to payer account into
Row is withholdd.After being successfully processed, response results message is sent to the portable equipment and target device respectively.
Second, subway scene (by taking block meter rate as an example)
In some subway scenes by the way of block meter rate, such mode needs to know the inbound communication of user and outbound
Information.In such scene, as shown in Figure 2 B, the target device of the present embodiment is configured in the entrance of website, electronic equipment
It can be used as the equipment that control enters and leaves lock；The portable equipment of user is mountable to be had Third-party payment APP or provides subway seating service
Equal APP.In inlet, user can enable portable equipment close to the target device of entrance, so that portable equipment is able to detect that target
The connection signal that equipment is initiated, user make portable equipment be in the target according to the requirement of targeted attitude (such as " shaking ")
Posture, then the APP of portable equipment installation can initiate payment request, wherein payment request can carry verifying password and target is set
Standby mark.
After server-side receives payment request, according to the target device identifier lookup of payment request to target device, to mesh
Marking device initiates verifying password request.After target device receives, gathering request is initiated to server-side, gathering request, which carries, tests
Demonstrate,prove password.Wherein, gathering request can carry gathering parameter, the inbound communication etc. for example including target device.
After server-side receives, the verifying password carried to the payment request is verified；On the other hand, server-side passes through
The entrained inbound communication of gathering request, it is known that user is inbound at this time, can wouldn't be responded.
After user is outbound, user equally can use same way in exit, enable portable equipment close to the target of outlet
Equipment simultaneously issues payment request after so that portable equipment is in targeted attitude.Equally, after server-side receives payment request, according to branch
The target device identifier lookup of request is paid to the target device of outlet, initiates verifying password request to the target device of outlet.Out
The target device of mouth initiates gathering request to server-side, and gathering request carries verifying password.Wherein, gathering request can carry
Gathering parameter, the outbound information etc. for example including target device.
Finally, after server-side calculates expense of withholing based on inbound communication and outbound information, based on the gathering parameter to branch
Square account is paid to withhold.After being successfully processed, response results message is sent to the portable equipment and target device respectively.
The third, pay under line
In the present embodiment, target device can be deployed in the clearing region in shop, and the portable equipment of user is mountable third
Fang Zhifu APP, the APP such as service are taken for providing subway.It needs to settle accounts if user buys commodity, user can enable portable equipment lean on
Close-target equipment, so that portable equipment is able to detect that the connection signal that target device is initiated.User according to targeted attitude (such as
" shaking " etc.) requirement, so that portable equipment is in the targeted attitude, then portable equipment installation APP can initiate payment request,
Wherein, payment request can carry verifying password and target device mark.
Meanwhile the cashier in shop can by target device provide triggering interface (the triggering interface specifically can be
Physical button on target device or be the option etc. for triggering provided on device screen) automatic trigger target sets
Standby to initiate gathering request to server-side, gathering request can carry the gathering parameter such as the expense of withholing.
After server-side receives payment request and gathering request, the verifying password carried to the payment request is tested
Card, if being verified, server-side will execute payment processing, be withholdd based on the gathering parameter to payer account.At
After function processing, response results message is sent to the portable equipment and target device respectively.
The embodiment of this specification payment processing device can be applied on portable equipment/target device/server.Device
Embodiment can also be realized by software realization by way of hardware or software and hardware combining.Taking software implementation as an example,
As the device on a logical meaning, being will be corresponding in nonvolatile memory by the processor of data interaction where it
Computer program instructions are read into memory what operation was formed.For hardware view, as shown in figure 3, implementing for this specification
Portable equipment/a kind of hardware structure diagram of target device/server where example payment processing device, in addition to processing shown in Fig. 3
It is portable where device 331 in embodiment except device 310, memory 330, network interface 320 and nonvolatile memory 340
Equipment/target device/server can also include generally according to the portable equipment/target device/server actual functional capability
Other hardware repeat no more this.
As shown in figure 4, Fig. 4 is a kind of this specification payment processing device shown according to an exemplary embodiment, it is described
Device includes:
Attitude parameter obtains module 41, is used for: after confirmly detecting the connection signal for carrying verifying password, obtaining equipment
Attitude parameter, the connection signal are issued by target device；
Initiation module 42 is paid, is used for: if the equipment attitude parameter matches targeted attitude, initiating payment to server-side and asks
It asks, the payment request carries the verifying password, the verifying mouth generated for the server-side according to the target device
Order responds the payment request after verifying to the verifying password that the payment request carries.
Optionally, the connection signal includes: iBeacon signal.
Optionally, described device is applied to client, and the client executes the payment after being waken up by operating system
Reason method, the client are waken up after the operating system detects the connection signal.
Optionally, the payment request also carries payment parameter.
Optionally, the connection signal also carries target device mark, and the payment request also carries the target
Device identification.
As shown in figure 5, Fig. 5 is a kind of this specification payment processing device shown according to an exemplary embodiment, it is described
Device includes:
Command generation module 51, is used for: generating verifying password according to targeted time period；
Signal issues module 52, is used for: issuing connection signal, the connection signal carries the verifying mouth currently to come into force
It enables；
Gathering initiation module 53, is used for: the gathering request that will carry the verifying password is sent to server-side, for institute
It states and responds the gathering request after the verifying password carried in the payment request that server-side initiates portable equipment is verified.
Optionally, the gathering initiation module, is also used to: it is described the verifying password is sent to server-side before,
It receives the verifying password that server-side is initiated and sends request.
Optionally, the gathering request also carries gathering parameter.
Optionally, the connection signal includes: iBeacon signal.
As shown in fig. 6, Fig. 6 is a kind of this specification payment processing device shown according to an exemplary embodiment, it is described
Device includes:
Payment request receiving module 61, is used for: the payment request for carrying verifying password that portable equipment is initiated is received,
In, described verify gets in the connection signal that password is the portable equipment detection target device sending；
Gathering request receiving module 62, is used for: receiving the gathering for carrying verifying password that the target device is initiated and asks
It asks；
Authentication module 63, is used for: being tested using the verifying password that the target device generates the payment request carrying
Card password is verified；
Respond module 64, is used for: determining the response knot to the payment request and the gathering request according to verification result
Fruit.
Optionally, the authentication module, is also used to:
Verify whether the verifying password that the target device generates matches with the verifying password that the payment request carries.
Optionally, the gathering request receiving module, is also used to: carrying verifying what the reception target device was initiated
Before the gathering request of password, verifying password is initiated to the target device and sends request.
Optionally, the payment request also carries payment parameter, and the payment parameter includes payer account information, institute
It states gathering request and also carries gathering parameter；The response results include: to be carried out based on the gathering parameter to payer account
The result of withholing withholdd.
Optionally, further includes: send response results message to the portable equipment and target device respectively.
This specification embodiment also provides a kind of portable equipment, including memory, processor and storage are on a memory simultaneously
The computer program that can be run on a processor, wherein the processor realizes following method when executing described program:
Confirmly detect carry verifying password connection signal after, obtain equipment attitude parameter, the connection signal by
Target device issues；
If the equipment attitude parameter matches targeted attitude, payment request is initiated to server-side, the payment request carries
There is the verifying password, so that the server-side carries the payment request according to the verifying password that the target device generates
Verifying password verified after respond the payment request.
This specification embodiment also provides a kind of target device, including memory, processor and storage are on a memory simultaneously
The computer program that can be run on a processor, wherein the processor realizes following method when executing described program:
Verifying password is generated according to targeted time period；
Connection signal is issued, the connection signal carries the verifying password currently to come into force；
The gathering request for carrying the verifying password is sent to server-side, so that the server-side sends out portable equipment
The verifying password carried in the payment request risen is verified.
This specification embodiment also provides a kind of server, including memory, processor and storage are on a memory and can
The computer program run on a processor, wherein the processor realizes following method when executing described program:
Receive portable equipment initiate carry verifying password payment request, wherein the verifying password be it is described just
It takes in the connection signal that equipment detection electronic equipment issues and gets；
Receive the gathering request for carrying verifying password that the electronic equipment is initiated；
The verifying password that the payment request carries is verified using the verifying password that the electronic equipment generates；
Determined whether to respond the payment request and gathering request according to verification result.
The function of modules and the realization process of effect are specifically detailed in above-mentioned payment processing in above-mentioned payment processing device
The realization process of step is corresponded in method, details are not described herein.
For payment processing Installation practice, since it corresponds essentially to payment processing method embodiment, so phase
Place is closed to illustrate referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein
The module as illustrated by the separation member may or may not be physically separated, the component shown as module
It may or may not be physical module, it can it is in one place, or may be distributed over multiple network modules
On.Some or all of the modules therein can be selected to realize the purpose of this specification scheme according to the actual needs.Ability
Domain those of ordinary skill can understand and implement without creative efforts.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
Those skilled in the art will readily occur to this specification after considering specification and practicing the invention applied here
Other embodiments.This specification is intended to cover any variations, uses, or adaptations of this specification, these modifications,
Purposes or adaptive change follow the general principle of this specification and do not apply in the art including this specification
Common knowledge or conventional techniques.The description and examples are only to be considered as illustrative, the true scope of this specification and
Spirit is indicated by the following claims.
It should be understood that this specification is not limited to the precise structure that has been described above and shown in the drawings,
And various modifications and changes may be made without departing from the scope thereof.The range of this specification is only limited by the attached claims
System.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection
Within enclosing.
Claims (20)
1. a kind of payment processing method, which comprises
After confirmly detecting the connection signal for carrying verifying password, equipment attitude parameter is obtained, the connection signal is by target
Equipment issues；
If the equipment attitude parameter matches targeted attitude, payment request is initiated to server-side, the payment request carries
Verifying password is stated, so that the verifying password that the server-side is generated according to the target device tests the payment request carrying
Card password responds the payment request after being verified.
2. according to the method described in claim 1, the connection signal includes: iBeacon signal.
3. the method according to claim 11 is applied to client, after the client is waken up as operating system described in execution
Payment processing method, the client are waken up after the operating system detects the connection signal.
4. the payment request is also according to the method described in claim 1, the connection signal also carries target device mark
Carry the target device mark.
5. a kind of payment processing method, which comprises
Verifying password is generated according to targeted time period；
Connection signal is issued, the connection signal carries the verifying password currently to come into force；
The gathering request for carrying the verifying password is sent to server-side, portable equipment is initiated for the server-side
The verifying password carried in payment request responds the gathering request after being verified.
6. according to the method described in claim 5, it is described the verifying password is sent to server-side before, the method is also
Include:
It receives the verifying password that server-side is initiated and sends request.
7. according to the method described in claim 5, gathering request also carries gathering parameter.
8. according to the method described in claim 5, the connection signal includes: iBeacon signal.
9. a kind of payment processing method, which comprises
Receive the payment request for carrying verifying password that portable equipment is initiated, wherein the verifying password portable is set by described
It is standby to be got from the connection signal that target device issues；
Receive the gathering request for carrying verifying password that the target device is initiated；
The verifying password that the payment request carries is verified using the verifying password that the target device generates；
The response results to the payment request and the gathering request are determined according to verification result.
10. according to the method described in claim 9, the verifying password generated using the target device asks the payment
The verifying password of carrying is asked to be verified, comprising:
Verify whether the verifying password that the target device generates matches with the verifying password that the payment request carries.
11. according to the method described in claim 9, described in the receipts for carrying verifying password for receiving the target device initiation
Before money request, which comprises
Verifying password, which is initiated, to the target device sends request.
12. according to the method for claim 11, the payment request also carries the target device mark, the target
Equipment is arrived by the target device identifier lookup.
13. the payment parameter includes according to the method described in claim 9, the payment request also carries payment parameter
Payer account information, the gathering request also carry gathering parameter；The response results include: based on the gathering parameter
The result of withholing withholdd to payer account.
14. according to the method described in claim 9, further include: response knot is sent to the portable equipment and target device respectively
Fruit message.
15. a kind of payment processing device, described device include:
Attitude parameter obtains module, is used for: after confirmly detecting the connection signal for carrying verifying password, obtaining equipment posture ginseng
Number, the connection signal are issued by target device；
Initiation module is paid, is used for: if the equipment attitude parameter matches targeted attitude, initiating payment request, institute to server-side
It states payment request and carries the verifying password, the verifying password generated according to the target device for the server-side is to institute
It states after the verifying password that payment request carries is verified and responds the payment request.
16. a kind of payment processing device, described device include:
Command generation module is used for: generating verifying password according to targeted time period；
Signal issues module, is used for: issuing connection signal, the connection signal carries the verifying password currently to come into force；
Gathering initiation module, is used for: the gathering request that will carry the verifying password is sent to server-side, for the service
The gathering request is responded after holding the verifying password carried in the payment request initiated portable equipment to verify.
17. a kind of payment processing device, described device include:
Payment request receiving module, is used for: receiving the payment request for carrying verifying password that portable equipment is initiated, wherein institute
It states and is got in the connection signal that verifying password is the portable equipment detection target device sending；
Gathering request receiving module, is used for: receiving the gathering request for carrying verifying password that the target device is initiated；
Authentication module is used for: the verifying password carried using the verifying password that the target device generates to the payment request
It is verified；
Respond module is used for: determining the response results to the payment request and the gathering request according to verification result.
18. a kind of portable equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, wherein the processor realizes following method when executing described program:
After confirmly detecting the connection signal for carrying verifying password, equipment attitude parameter is obtained, the connection signal is by target
Equipment issues；
If the equipment attitude parameter matches targeted attitude, payment request is initiated to server-side, the payment request carries
Verifying password is stated, so that the verifying password that the server-side is generated according to the target device tests the payment request carrying
Card password responds the payment request after being verified.
19. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, wherein the processor realizes following method when executing described program:
Verifying password is generated according to targeted time period；
Connection signal is issued, the connection signal carries the verifying password currently to come into force；
The gathering request for carrying the verifying password is sent to server-side, portable equipment is initiated for the server-side
The verifying password carried in payment request responds the gathering request after being verified.
20. a kind of server including memory, processor and stores the computer that can be run on a memory and on a processor
Program, wherein the processor realizes following method when executing described program:
Receive the payment request for carrying verifying password that portable equipment is initiated, wherein the verifying password is described portable sets
It is got in the connection signal that standby detection target device issues；
Receive the gathering request for carrying verifying password that the target device is initiated；
The verifying password that the payment request carries is verified using the verifying password that the target device generates；
The response results to the payment request and the gathering request are determined according to verification result.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810847143.4A CN109102279A (en) | 2018-07-27 | 2018-07-27 | Payment processing method, device, server and equipment |
| TW108117081A TW202008258A (en) | 2018-07-27 | 2019-05-17 | Payment processing method and apparatus, and server and device |
| PCT/CN2019/095521 WO2020019985A1 (en) | 2018-07-27 | 2019-07-11 | Payment processing method and apparatus, and server and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810847143.4A CN109102279A (en) | 2018-07-27 | 2018-07-27 | Payment processing method, device, server and equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109102279A true CN109102279A (en) | 2018-12-28 |
Family
ID=64847857
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810847143.4A Pending CN109102279A (en) | 2018-07-27 | 2018-07-27 | Payment processing method, device, server and equipment |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN109102279A (en) |
| TW (1) | TW202008258A (en) |
| WO (1) | WO2020019985A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020019985A1 (en) * | 2018-07-27 | 2020-01-30 | 阿里巴巴集团控股有限公司 | Payment processing method and apparatus, and server and device |
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| WO2020019985A1 (en) | 2020-01-30 |
| TW202008258A (en) | 2020-02-16 |
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