CN109615366B

CN109615366B - Equipment payment method and device

Info

Publication number: CN109615366B
Application number: CN201811401731.1A
Authority: CN
Inventors: 张垒垒; 焦雷; 李佳佳; 张燚
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-11-22
Filing date: 2018-11-22
Publication date: 2021-05-04
Anticipated expiration: 2038-11-22
Also published as: CN109615366A; TWI771608B; CN113422811A; CN113422811B; TW202020768A; WO2020103563A1

Abstract

The embodiment of the application provides a device payment method and a device, and the device payment method comprises the following steps: the method comprises the steps that the internet of things equipment sends a payment function opening request to a server in a narrowband internet of things NB-IoT communication mode, the server returns response information to the internet of things equipment in the NB-IoT communication mode, the internet of things equipment transmits an account binding request to a mobile terminal based on the response information, the target payment account in the mobile terminal is requested to be bound, the mobile terminal sends an account binding notification to the server according to the account binding request, the server sends a payment identifier of the target payment account to the internet of things equipment in the NB-IoT communication mode according to the account binding notification, and the payment identifier is used for carrying out money deduction operation in the target payment account.

Description

Equipment payment method and device

Technical Field

The application relates to the technical field of computers, in particular to a device payment method and device.

Background

With the rapid development of mobile terminals and software development technologies, various application programs have been developed in mobile terminals, and these application programs can provide various functions for users, such as a photographing application program providing a photographing function, a beauty application program providing a beauty function, a navigation application program providing a route navigation function, and the like.

In order to facilitate payment of users, most of the existing mobile terminals such as mobile phones are equipped with payment functions, and the users can pay through the mobile terminals. However, in the prior art, only how to realize payment on the mobile terminal is paid attention to, and devices other than the mobile terminal cannot realize a payment function, so that the payment scenes of the user are few.

Disclosure of Invention

The embodiment of the application aims to provide a device payment method and device, so that a payment function is realized on equipment of the Internet of things, and a payment scene of a user is expanded.

In order to achieve the technical purpose, the embodiment of the application is realized as follows:

the embodiment of the application provides an equipment payment method, which is applied to equipment of the Internet of things and comprises the following steps: sending a payment function opening request to a server in a narrowband Internet of things NB-IoT communication mode, and receiving response information returned by the server according to the payment function opening request in the NB-IoT communication mode; if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; receiving a payment identifier of the target payment account issued by a server through the NB-IoT communication mode, and storing the payment identifier; the payment identifier of the target payment account is sent by a server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account and the internet of things equipment, and the payment identifier is used for carrying out deduction operation in the target payment account.

The embodiment of the application provides a device payment method, which is applied to a mobile terminal and comprises the following steps: acquiring an account binding request from an internet of things device, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the internet of things device; the account binding request is transmitted by the Internet of things equipment after response information which is from the server and indicates that the payment function is allowed to be opened is received, and the response information is sent by the server according to the payment function opening request from the Internet of things equipment; the Internet of things equipment and the server communicate in a narrowband Internet of things NB-IoT communication mode; and sending a binding notification message to a server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment.

The embodiment of the application provides a device payment method, which is applied to a server and comprises the following steps: receiving a payment function opening request sent by Internet of things equipment in a narrowband Internet of things NB-IoT communication mode, and returning response information to the Internet of things equipment in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; receiving a binding notification message sent by a mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the internet of things equipment, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the internet of things equipment; and issuing the payment identifier of the target payment account to the Internet of things equipment in the NB-IoT communication mode, wherein the payment identifier of the target payment account is used for carrying out deduction operation in the target payment account.

The embodiment of the application provides an equipment payment device, is applied to thing networking equipment, includes: the request opening module is used for sending a payment function opening request to the server in a narrowband Internet of things (NB-IoT) communication mode and receiving response information returned by the server according to the payment function opening request in the NB-IoT communication mode; the request binding module is used for transmitting an account binding request to the mobile terminal if the response information is used for indicating that the payment function is allowed to be opened, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; the identity storage module is used for receiving the payment identity of the target payment account issued by the server in the NB-IoT communication mode and storing the payment identity; the payment identifier of the target payment account is sent by a server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account and the internet of things equipment, and the payment identifier is used for carrying out deduction operation in the target payment account.

The embodiment of the application provides a device payment apparatus, is applied to mobile terminal, includes: the request acquisition module is used for acquiring an account binding request from the Internet of things equipment, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; the account binding request is transmitted by the Internet of things equipment after response information which is from the server and indicates that the payment function is allowed to be opened is received, and the response information is sent by the server according to the payment function opening request from the Internet of things equipment; the Internet of things equipment and the server communicate in a narrowband Internet of things NB-IoT communication mode; and the notification sending module is used for sending a binding notification message to a server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the internet of things equipment.

The embodiment of the application provides a device payment apparatus, is applied to the server, includes: the request receiving module is used for receiving a payment function opening request sent by Internet of things equipment in a narrowband Internet of things NB-IoT communication mode, and returning response information to the Internet of things equipment in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; the account binding module is used for receiving a binding notification message sent by a mobile terminal and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the internet of things equipment, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the internet of things equipment; and the identity issuing module is used for issuing the payment identity of the target payment account to the Internet of things equipment in the NB-IoT communication mode, and the payment identity of the target payment account is used for deducting money in the target payment account.

An embodiment of the present application provides an electronic device, including: a processor; and a memory arranged to store computer executable instructions which, when executed, cause the processor to implement the steps of the above-described device payment method.

Embodiments of the present application provide a storage medium for storing computer-executable instructions, which when executed implement the steps of the above-described device payment method.

Through the technical scheme in the embodiment, the internet of things equipment can be in NB-loT communication with the server and is in communication with the mobile terminal, so that the target payment account in the mobile terminal is bound with the internet of things equipment. The Internet of things equipment can pay in the target payment account according to the payment identifier of the target payment account issued by the server, so that a payment function is realized on the Internet of things equipment, and the payment scene of a user is expanded.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is an application scenario diagram of a device payment method provided in an embodiment of the present application;

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

FIG. 3 is a flow diagram illustrating an account binding provided in accordance with an embodiment of the present application;

fig. 4 is a schematic flowchart of a device payment method according to another embodiment of the present application;

fig. 5 is an application scenario diagram of a device payment method according to another embodiment of the present application;

fig. 6 is a schematic flowchart of a device payment method according to another embodiment of the present application;

fig. 7 is a schematic flowchart of a device payment method according to another embodiment of the present application;

FIG. 8 is a schematic flow chart illustrating a payment method of a device according to another embodiment of the present disclosure;

fig. 9 is a schematic block diagram of a device payment apparatus according to an embodiment of the present application;

FIG. 10 is a block diagram of a payment device according to an embodiment of the present application;

fig. 11 is a schematic block diagram of a device payment apparatus according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

The embodiment of the application provides a device payment method and device, which can realize a payment function on an Internet of Things device and enlarge a payment scene of a user, wherein the Internet of Things device has an NB-IoT (Narrow Band Internet of Things) communication function. NB-IoT is a narrowband Internet of things based on a cellular network, is an emerging technology in the IoT field, supports cellular data connection of low-power-consumption equipment in a wide area network, and supports efficient connection of equipment with long standby time and high requirement on network connection. NB-IoT is also known as LPWAN (Low-Power Wide-Area Network).

Fig. 1 is an application scenario diagram of the device payment method provided in an embodiment of the present application, and as shown in fig. 1, the scenario includes an internet of things device 100, a mobile terminal 200, and a server 300, where the internet of things device 100 may be a wearable device or an intelligent appliance, the wearable device may be a watch, a bracelet, and the like, and the intelligent appliance may be a refrigerator, a washing machine, an electric cooker, an air conditioner, and the like. In fig. 1, the internet of things device 100 is illustrated as a bracelet. The internet of things device 100 is installed with an NB-IoT communication module, and the internet of things device 100 can communicate with the server 300 through NB-IoT communication. The mobile terminal 200 may be a mobile phone, a computer, a tablet computer, or the like, and the mobile terminal 200 may communicate with the internet of things device 100 and the server 300. The server 300 may be a background server of the payment platform, and the server 300 may communicate with the internet of things device 100 and the mobile terminal 200.

Fig. 2 is a schematic flowchart of a device payment method provided in an embodiment of the present application, where the method may be applied to an internet of things device and executed by the internet of things device, and as shown in fig. 2, the process includes the following steps:

step S202, sending a payment function opening request to a server through an NB-IoT communication mode, and receiving response information returned by the server according to the payment function opening request through the NB-IoT communication mode;

step S204, if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal; the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

step S206, receiving the payment identifier of the target payment account issued by the server through an NB-IoT communication mode, and storing the payment identifier;

the payment identifier of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account and the internet of things equipment, and the payment identifier is used for carrying out deduction operation in the target payment account.

In this embodiment, a deduction can be made in the target payment account through the payment identifier of the target payment account. The payment identification may be a string of characters, which may be generated by the server for the target payment account. The payment identities of different payment accounts are different. After the server obtains the payment identifier of the target payment account, the server can determine the account identifier of the target payment account according to the payment identifier and the pre-recorded corresponding relationship between the payment identifier and the account identifier, and deduct money in the target payment account according to the account identifier of the target payment account.

In the embodiment of the application, the internet of things equipment can send a payment function opening request to the server in an NB-IoT communication mode, receives response information returned by the server according to the payment function opening request in the NB-IoT communication mode, transmits an account binding request to the mobile terminal when the response information is used for indicating that the payment function is allowed to be opened, requests that a target payment account in the mobile terminal is bound with the internet of things equipment, receives and stores a payment identifier of the target payment account issued by the server in the NB-IoT communication mode, and can realize the payment function based on the payment identifier, so that the payment scene of a user is expanded.

In this embodiment, since the internet of things device may communicate with the server in an NB-IoT communication manner, the internet of things device may operate a system supporting NB-IoT. Because a system (such as a single chip microcomputer system) supporting the NB-IoT is generally simpler and has low development difficulty, the system development cost of the Internet of things equipment is greatly reduced, and the payment function can be realized on intelligent household appliances and wearable equipment through a simple development process.

In step S202, the internet of things device sends a payment function provisioning request to the server through the NB-IoT communication mode, where the payment function provisioning request may carry device feature information of the internet of things device, such as a device identifier, and the server may verify whether the internet of things device is a device that allows provisioning of the payment function according to the payment function provisioning request, if yes, the server returns response information indicating that the payment function is allowed to be provisioned to the internet of things device through the NB-IoT communication mode, and if not, the server returns response information indicating that the payment function is not allowed to be provisioned to the internet of things device through the NB-IoT communication mode.

In the step S202, the internet of things device receives, through an NB-IoT communication mode, response information returned by the server according to the payment function provisioning request. The internet of things device also judges whether the response information is used for indicating that the payment function is allowed to be opened, and if so, the internet of things device executes the step S204.

Step S204, the Internet of things equipment transmits an account binding request to the mobile terminal, the account binding request is used for requesting to bind the target payment account in the mobile terminal with the Internet of things equipment, and after the target payment account in the mobile terminal is successfully bound with the Internet of things equipment, the Internet of things equipment can realize a payment function through the target payment account. The internet of things equipment can transmit an account binding request to the mobile terminal through communication means such as Bluetooth, WiFi (WIreless Fidelity), infrared, two-dimensional codes and sound waves.

For example, the internet of things device sends the account binding request to the mobile terminal in any one of the modes of bluetooth, WiFi, infrared and sound wave, or the internet of things device displays a two-dimensional code corresponding to the account binding request, and the mobile terminal obtains the account binding request from the internet of things device in the mode of code scanning.

The mobile terminal can perform identity authentication on a user after receiving an account binding request, after the authentication is passed, the mobile terminal generates account binding inquiry information, the account binding inquiry information is used for inquiring whether the user allows a target payment account to be bound with the Internet of things equipment, the mobile terminal receives response information of the user aiming at the account binding inquiry information, if the response information indicates that the user allows the target payment account to be bound with the Internet of things equipment, the mobile terminal sends a binding notification message to the server, and the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment. The mobile terminal can send a binding notification message to the server in a WIFI, 4G or other modes.

After receiving the binding notification message, the server may determine whether the number of the bound accounts corresponding to the internet of things device is greater than a first number threshold, and determine whether the number of the bound devices corresponding to the target payment account is greater than a second number threshold, and if the number of the bound accounts corresponding to the internet of things device is not greater than the first number threshold, and the number of the bound devices corresponding to the target payment account is not greater than the second number threshold, the server binds the target payment account with the internet of things device. The binding process may be: the server saves a binding record in the database, and the binding record records an account identifier of the target payment account and an equipment identifier of the internet of things equipment in a one-to-one correspondence manner so as to represent that the target payment account and the internet of things equipment are bound with each other.

And after the server binds the target payment account in the mobile terminal with the internet of things equipment, issuing the payment identifier of the target payment account to the internet of things equipment in an NB-IoT communication mode, so that the internet of things equipment executes the step S206, receives the payment identifier of the target payment account issued by the server in the NB-IoT communication mode, and stores the payment identifier, wherein the payment identifier is used for deducting money in the target payment account. According to the above description, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account binding request transmitted by the internet of things device.

Fig. 3 is a schematic flowchart of an account binding according to an embodiment of the present application, and as shown in fig. 3, the flowchart includes:

step S302, the Internet of things equipment sends a payment function opening request to a server in an NB-IoT communication mode according to user operation.

In this step, the user operation may be an operation of clicking a button of "open payment function". The payment function provisioning request carries device feature information of the internet of things device, such as a device identifier.

And step S304, the server returns response information indicating that the payment function is allowed to be opened to the Internet of things equipment in an NB-IoT communication mode according to the payment function opening request.

In the step, the server extracts device characteristic information of the internet of things device from the payment opening request, and if the internet of things device is determined to be a device allowing the payment function to be opened according to the device characteristic information, the server returns response information indicating that the payment function is allowed to be opened to the internet of things device, the response information carries a unique character string generated by the server for the internet of things device, the unique character string is used for identifying the internet of things device, and the unique character string can be called token.

Step S306, the Internet of things equipment receives response information sent by the server in an NB-IoT communication mode, and transmits an account binding request to the mobile terminal according to the response information.

In this step, the account binding request carries the unique character string, and may also carry device characteristic information of the internet of things device. The Internet of things equipment can generate a two-dimensional code according to the response information of the server, the two-dimensional code carries an account binding request, the account binding request is transmitted to the mobile terminal in a mode of displaying the two-dimensional code, and the mobile terminal obtains the account binding request in a code scanning mode.

Step S308, the mobile terminal obtains an account binding request from the Internet of things equipment and sends an account binding notification to the server.

In the step, the mobile terminal performs identity authentication on the user according to the account binding request and inquires whether the user allows the internet of things device and the target payment account to be bound or not. If the user identity verification is passed and the user allows the binding, the mobile terminal sends an account binding notification to the server, wherein the account binding notification carries the unique character string and the equipment characteristic information of the internet of things equipment, and can also carry the user identity information and the account identifier of the target payment account. The method for authenticating the user by the mobile terminal includes but is not limited to: account password authentication, biometric authentication, dynamic token authentication, mobile phone short message authentication and the like.

And S310, the server binds the target payment account in the mobile terminal with the Internet of things equipment according to the account binding notification.

In the step, after receiving an account binding notification, the server analyzes the notification to obtain the unique character string and the account identifier, determines the internet of things equipment to be bound according to the unique character string, and determines the target payment account to be bound according to the account identifier, so that the target payment account and the internet of things equipment are bound.

Step S312, the server issues the payment identifier of the target payment account to the Internet of things device in an NB-IoT communication mode.

Step S314, the internet of things device stores the payment identifier of the target payment account, so as to perform payment operation through the payment identifier.

Fig. 4 is a schematic flowchart of a device payment method provided in another embodiment of the present application, where the method may be applied to an internet of things device and executed by the internet of things device, as shown in fig. 4, the process further includes, on the basis of fig. 2:

step S208, generating a payment bar code of the target payment account according to the payment identifier of the target payment account;

and step S210, displaying the payment bar code of the target payment account, wherein the bar code information of the payment bar code is collected by the collection equipment and is sent to the server so as to carry out the deduction operation in the target payment account through the server.

Specifically, when the internet of things device makes a payment, a payment barcode may be generated according to a payment identifier of the target payment account, for example, a payment two-dimensional code is generated by using the payment identifier, time information of the device, and a preset algorithm. Then, the Internet of things equipment displays the payment bar code, the collection equipment can collect bar code information of the payment bar code and send the bar code information to the server, and the server carries out money deduction operation in the target payment account according to the bar code information.

Specifically, the server may receive the barcode information of the payment barcode sent by the payment apparatus, analyze the barcode information of the payment barcode to obtain a payment identifier of the target payment account, where an analysis algorithm corresponds to an algorithm for generating the payment barcode, and finally, the server performs a deduction operation in the target payment account according to the payment identifier of the target payment account.

In other embodiments, the internet of things can also generate payment information of the target payment account according to the payment identifier of the target payment account, the payment information is sent to the collection device in the modes of bluetooth, WiFi, infrared, sound wave and the like, the collection device sends the payment information to the server, and the server analyzes the payment identifier of the target payment account according to the payment information, so that the payment operation is carried out in the target payment account.

In the method in fig. 4, the internet of things device saving payment identifier may specifically be: and storing the payment identifier of the target payment account in a storage unit of the Internet of things equipment. Correspondingly, before the internet of things device generates the payment barcode of the target payment account according to the payment identifier of the target payment account, the internet of things device may further: and when the Internet of things equipment is offline, the payment identifier of the target payment account is acquired from the storage unit.

Specifically, the internet of things device stores the payment identifier of the target payment account in the storage unit, and when the internet of things device is offline, the internet of things device can obtain the payment identifier of the target payment account from the storage unit and perform payment operation according to the payment identifier, so that the effect of offline payment is achieved.

Fig. 5 is a diagram of an application scenario of a device payment method according to another embodiment of the present application, as shown in fig. 5, the scenario includes an internet of things device 100, a payment receiving device 400, and a server 300, where the payment receiving device 400 may include a barcode scanning gun and other devices.

Fig. 6 is a schematic flowchart of a device payment method according to another embodiment of the present application, as shown in fig. 6, based on the scenario in fig. 5, the method includes:

step S602, the internet of things device acquires the payment identifier of the target payment account from the storage unit in an offline state.

Step S604, the Internet of things equipment generates and displays a payment bar code of the target payment account according to the payment identifier of the target payment account and an offline bar code generation algorithm;

step S606, the collection device collects the bar code information of the payment bar code;

step S608, the money receiving equipment sends the bar code information, the transaction information and the merchant information to a server;

step S610, the server receives the bar code information of the payment bar code, the transaction information and the merchant information sent by the collection device, the server analyzes the bar code information of the payment bar code to obtain the payment identifier of the target payment account, analyzes the merchant information to determine the collection account of the merchant, and determines the collection amount according to the transaction information;

and step S612, the server deducts money from the target payment account according to the payment identifier and the collection amount of the target payment account, and performs corresponding check-in operation in the collection account of the merchant according to the collection amount.

In summary, the present embodiment has the following advantages:

1. the payment function is combined with the NB-IoT, the advantages of the NB-IoT are applied to the payment field, and the payment experience is optimized.

2. The mobile payment method is very suitable for mobile payment of the Internet of things equipment, and based on the advantages of low power consumption, wide coverage and large capacity of NB-IoT, the payment operation of the Internet of things equipment can be carried out for a long time.

3. The Internet of things equipment can realize off-line payment, and is convenient for a user to operate.

4. The effect of remote communication can be achieved through NB-IoT, and interaction between the Internet of things equipment and the server is facilitated.

Fig. 7 is a schematic flowchart of a device payment method according to another embodiment of the present application, where the method may be applied to a mobile terminal and executed by the mobile terminal, and as shown in fig. 7, the flowchart includes the following steps:

step S702, acquiring an account binding request from the Internet of things equipment, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; the method comprises the steps that an account binding request is transmitted by the Internet of things equipment after response information which is from a server and indicates that the payment function is allowed to be opened is received, and the response information is sent by the server according to a payment function opening request from the Internet of things equipment; the Internet of things equipment and the server communicate in an NB-IoT communication mode;

step S704, according to the account binding request, sending a binding notification message to the server, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things device.

Therefore, in the embodiment of the application, the mobile terminal can acquire the account binding request from the internet of things device, and send the binding notification message to the server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the internet of things device, so that the target payment account is bound with the internet of things device, the internet of things device has a payment function, and the payment scene of a user is expanded.

In step S704, sending a binding notification message to the server according to the account binding request, which may specifically be: and generating account binding inquiry information according to the account binding request, wherein the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the equipment of the Internet of things, and if the user determines that the user allows the target payment account to be bound with the equipment of the Internet of things, sending a binding notification message to the server.

For example, the mobile terminal generates a bullet frame according to the account binding request, the bullet frame displays "whether the account XXX is bound with the device XXX is determined", the mobile terminal also displays a determination button and a cancel button, if the user clicks the determination button, the mobile terminal determines that the user allows the target payment account to be bound with the internet of things device, and sends a binding notification message to the server, and if the user clicks the cancel button, the mobile terminal ends the binding process.

Further, before generating the account binding inquiry information, the mobile terminal may also perform authentication on the user, and if it is determined that the user authentication passes, the account binding inquiry information is generated.

Specifically, the mobile terminal can perform identity authentication on the user, the authentication modes include but are not limited to biometric authentication, account password authentication, short message authentication code authentication and the like, if the user identity authentication is confirmed to pass, account binding inquiry information is generated, and after the fact that the user allows the target payment account to be bound with the internet of things equipment is confirmed, a binding notification message is sent to the server. And if the user identity authentication is not passed, the mobile terminal can display corresponding prompt information. In the embodiment, the accuracy and the safety of account binding can be ensured through the dual modes of identity verification and inquiry authentication.

Therefore, the payment function of the Internet of things equipment can be realized through the embodiment. The mobile terminal in this embodiment can implement each process implemented by the foregoing mobile terminal, and achieve the same effect, which is not repeated here.

Fig. 8 is a schematic flowchart of a device payment method according to another embodiment of the present application, where the method may be applied to a server and executed by the server, and as shown in fig. 8, the flowchart includes the following steps:

step S802, receiving a payment function opening request sent by the Internet of things equipment in an NB-IoT communication mode, and returning response information to the Internet of things equipment in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened;

step S804, receiving a binding notification message sent by the mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the Internet of things equipment, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

step 806, issuing a payment identifier of the target payment account to the internet of things device in an NB-IoT communication mode, wherein the payment identifier of the target payment account is used for deduction operation in the target payment account.

In the embodiment of the application, the server can receive the payment function opening request sent by the internet of things device in the NB-IoT communication mode, return response information to the internet of things device in the NB-IoT communication mode according to the payment function opening request, receive the binding notification message sent by the mobile terminal, bind the target payment account in the mobile terminal and the internet of things device according to the binding notification message, and issue the payment identifier of the target payment account to the internet of things device in the NB-IoT communication mode, so that the internet of things device can realize the payment function based on the payment identifier, and the payment scene of a user is expanded.

In the step S802, response information is returned to the internet of things device in an NB-IoT communication manner according to the payment function provisioning request, specifically: extracting equipment characteristic information of the Internet of things equipment from the payment function opening request, such as an equipment identifier, verifying whether the Internet of things equipment is equipment allowing the opening of the payment function or not according to the equipment characteristic information of the Internet of things equipment, if so, returning response information for indicating that the opening of the payment function is allowed to the Internet of things equipment through an NB-IoT communication mode, and if not, returning response information for indicating that the opening of the payment function is not allowed to the Internet of things equipment through the NB-IoT communication mode.

Specifically, a table is stored in the server, and the table is used for recording device characteristic information of a device allowing the payment function to be opened, after the device characteristic information of the internet of things device is extracted by the server, the extracted device characteristic information is searched in the table, if the extracted device characteristic information is found, the internet of things device is determined to be the device allowing the payment function to be opened, response information indicating that the payment function is allowed to be opened is returned to the internet of things device, if the extracted device characteristic information is not found, the internet of things device is determined to be the device not allowing the payment function to be opened, and response information indicating that the payment function is not allowed to be opened is returned to the. Of course, in other manners, the table may also record device feature information of a device that does not allow the payment function to be activated, which is not described herein again.

In the step S802, the target payment account in the mobile terminal is bound to the internet of things device according to the binding notification message, specifically: and according to the binding notification message, judging whether the number of the bound accounts corresponding to the Internet of things equipment is greater than a first number threshold value or not, and judging whether the number of the bound equipment corresponding to the target payment account is greater than a second number threshold value or not, if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold value and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold value, binding the target payment account and the Internet of things equipment.

Specifically, in order to avoid binding too many devices to the same payment account, or binding too many payment accounts to the same device, in this embodiment, after receiving the binding notification message, the server determines whether the number of the bound accounts corresponding to the internet of things device is greater than a first number threshold, and determines whether the number of the bound devices corresponding to the target payment account is greater than a second number threshold, where the first number threshold and the second number threshold may be set as needed, and if the number of the bound accounts corresponding to the internet of things device is not greater than the first number threshold, and the number of the bound devices corresponding to the target payment account is not greater than the second number threshold, the target payment account is bound to the internet of things device. The binding process may be: the server saves a binding record in the database, and the binding record records an account identifier of the target payment account and an equipment identifier of the internet of things equipment in a one-to-one correspondence manner so as to represent that the target payment account and the internet of things equipment are bound with each other.

If the number of the bound accounts corresponding to the internet of things device is larger than the first number threshold, or the number of the bound devices corresponding to the target payment account is larger than the second number threshold, the server may return prompt information that the binding cannot be performed to the mobile terminal.

Through the embodiment, the problem of payment confusion caused by binding too many devices on the same payment account or binding too many payment accounts on the same device can be avoided.

In this embodiment, the server may further receive bar code information of a payment bar code sent by the collection device, where the payment bar code is generated by the internet of things device according to the payment identifier of the target payment account, the bar code information of the payment bar code is collected by the payment device from the internet of things device, the bar code information of the payment bar code is analyzed to obtain the payment identifier of the target payment account, and a deduction operation is performed in the target payment account according to the payment identifier of the target payment account.

The server analyzes the barcode information to obtain an algorithm of a payment identifier, the algorithm corresponds to an algorithm of the internet of things device for generating a payment barcode according to the payment identifier, and after the server obtains the payment identifier, the server deducts money from the target payment account according to the payment identifier of the target payment account specifically includes: and determining the account identification of the target payment account according to the payment identification of the target payment account and the pre-recorded corresponding relation between the payment identification and the account identification, and carrying out deduction operation in the target payment account according to the account identification of the target payment account.

Therefore, the payment function of the Internet of things equipment can be realized through the embodiment. The server in this embodiment can implement each process implemented by the foregoing server, and achieve the same effect, which is not repeated here.

The embodiment of the present application further provides an equipment payment device, which is applied to internet of things equipment, fig. 9 is a schematic diagram of module composition of the equipment payment device provided in the embodiment of the present application, and as shown in fig. 9, the device includes:

the request opening module 91 is configured to send a payment function opening request to the server in an NB-IoT communication mode, and receive response information returned by the server according to the payment function opening request in the NB-IoT communication mode;

the request binding module 92 is configured to transmit an account binding request to the mobile terminal if the response information is used to indicate that the payment function is allowed to be activated, where the account binding request is used to request that a target payment account in the mobile terminal is bound with the internet of things device;

the identifier storage module 93 is configured to receive a payment identifier of the target payment account issued by the server through an NB-IoT communication mode, and store the payment identifier; the payment identifier of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to an account binding request, the binding notification message is used for notifying the server to bind the target payment account and the internet of things equipment, and the payment identifier is used for deducting money in the target payment account.

Optionally, the apparatus further comprises a payment module for: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying the payment bar code of the target payment account, wherein the bar code information of the payment bar code is collected by the collection equipment and is sent to the server so as to carry out payment deduction operation in the target payment account through the server.

Optionally, the identifier saving module 93 is specifically configured to: storing the payment identifier of the target payment account in a storage unit of the Internet of things equipment; the device also includes: the off-line acquisition module is used for acquiring the payment identifier of the target payment account from the storage unit when the internet of things equipment is off-line before generating the payment bar code of the target payment account according to the payment identifier of the target payment account.

The equipment payment device in the embodiment of the application can realize all processes realized by the Internet of things equipment, achieves the same effect and is not repeated here.

An embodiment of the present application further provides an apparatus payment device, which is applied to a mobile terminal, fig. 10 is a schematic diagram of a module composition of the apparatus payment device provided in an embodiment of the present application, and as shown in fig. 10, the apparatus includes:

the request obtaining module 101 is configured to obtain an account binding request from an internet of things device, where the account binding request is used to request that a target payment account in a mobile terminal is bound with the internet of things device; the account binding request is transmitted by the Internet of things equipment after response information which is from the server and indicates that the payment function is allowed to be opened is received, and the response information is sent by the server according to the payment function opening request from the Internet of things equipment; the Internet of things equipment and the server communicate in a narrowband Internet of things NB-IoT communication mode;

the notification sending module 102 is configured to send a binding notification message to the server according to the account binding request, where the binding notification message is used to notify the server to bind the target payment account with the internet of things device.

Optionally, the notification sending module 102 is specifically configured to: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the apparatus further comprises: the identity authentication module is used for authenticating the identity of the user before generating the account binding inquiry information; and if the user identity authentication is confirmed to pass, generating account binding inquiry information.

The device payment device in the embodiment of the application can realize each process realized by the mobile terminal and achieve the same effect, and the process is not repeated here.

An embodiment of the present application further provides an apparatus payment device, which is applied to a server, and fig. 11 is a schematic diagram of a module composition of the apparatus payment device provided in an embodiment of the present application, as shown in fig. 11, the apparatus includes:

the request receiving module 111 is configured to receive a payment function provisioning request sent by the internet of things device through a narrowband internet of things NB-IoT communication mode, and return response information to the internet of things device through the NB-IoT communication mode according to the payment function provisioning request, where the response information is used to indicate that the payment function is allowed to be provisioned;

the account binding module 112 is configured to receive a binding notification message sent by the mobile terminal, and bind a target payment account in the mobile terminal with the internet of things device according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the Internet of things equipment, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

the identifier issuing module 113 is configured to issue a payment identifier of a target payment account to the internet of things device in an NB-IoT communication manner, where the payment identifier of the target payment account is used to perform a deduction operation in the target payment account.

Optionally, the request receiving module 111 is specifically configured to: extracting equipment characteristic information of the Internet of things equipment from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing the payment function to be opened or not according to the equipment characteristic information of the Internet of things equipment; and if so, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment in an NB-IoT communication mode.

Optionally, the account binding module 112 is specifically configured to: according to the binding notification message, judging whether the number of the bound accounts corresponding to the Internet of things equipment is greater than a first number threshold value or not, and judging whether the number of the bound equipment corresponding to the target payment account is greater than a second number threshold value or not; and if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold value and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold value, binding the target payment account and the Internet of things equipment.

Optionally, the apparatus further comprises a deduction module for: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected by the payment equipment from the Internet of things equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and carrying out deduction operation in the target payment account according to the payment identifier of the target payment account.

The device payment apparatus in the embodiment of the present application can implement the processes implemented by the aforementioned server, and achieve the same effect, which is not repeated here.

Further, an electronic device is provided in an embodiment of the present application, fig. 12 is a schematic structural diagram of the electronic device provided in an embodiment of the present application, as shown in fig. 12, the electronic device may generate a relatively large difference due to different configurations or performances, and may include one or more processors 1201 and a memory 1202, where the memory 1202 may store one or more stored applications or data. Memory 1202 may be, among other things, transient storage or persistent storage. The application programs stored in memory 1202 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the electronic device. Still further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the electronic device. The electronic device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input-output interfaces 1205, one or more keypads 1206, and the like.

In one particular embodiment, an electronic device includes memory, and one or more programs, where the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the electronic device, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

sending a payment function opening request to a server in a narrowband Internet of things NB-IoT communication mode, and receiving response information returned by the server according to the payment function opening request in the NB-IoT communication mode;

if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

receiving a payment identifier of a target payment account issued by a server in an NB-IoT communication mode, and storing the payment identifier; the payment identifier of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to an account binding request, the binding notification message is used for notifying the server to bind the target payment account and the internet of things equipment, and the payment identifier is used for deducting money in the target payment account.

Optionally, the computer executable instructions, when executed, further comprise: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying the payment bar code of the target payment account, wherein the bar code information of the payment bar code is collected by the collection equipment and is sent to the server so as to carry out payment deduction operation in the target payment account through the server.

Optionally, the computer executable instructions, when executed, save the payment identification, comprising: storing the payment identifier of the target payment account in a storage unit of the Internet of things equipment; before generating the payment barcode of the target payment account according to the payment identifier of the target payment account, the method further includes: and when the Internet of things equipment is offline, the payment identifier of the target payment account is acquired from the storage unit.

The electronic equipment in the embodiment of the application can realize the processes realized by the Internet of things equipment, and achieves the same effect, and the processes are not repeated.

In another particular embodiment, an electronic device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the electronic device, and the one or more programs configured for execution by the one or more processors include computer-executable instructions for:

acquiring an account binding request from the Internet of things equipment, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; the account binding request is transmitted by the Internet of things equipment after response information which is from the server and indicates that the payment function is allowed to be opened is received, and the response information is sent by the server according to the payment function opening request from the Internet of things equipment; the Internet of things equipment and the server communicate in a narrowband Internet of things NB-IoT communication mode;

and sending a binding notification message to the server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment.

Optionally, the computer executable instructions, when executed, send a binding notification message to the server in accordance with the account binding request, comprising: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the computer executable instructions, when executed, further comprise, prior to generating the account binding inquiry information: carrying out identity authentication on the user; and if the user identity authentication is confirmed to pass, generating account binding inquiry information.

The electronic device in the embodiment of the application can realize each process realized by the mobile terminal and achieve the same effect, and the processes are not repeated here.

receiving a payment function opening request sent by the Internet of things equipment in a narrowband Internet of things NB-IoT communication mode, and returning response information to the Internet of things equipment in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened;

receiving a binding notification message sent by the mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the Internet of things equipment, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

and issuing a payment identifier of the target payment account to the Internet of things equipment in an NB-IoT communication mode, wherein the payment identifier of the target payment account is used for deduction operation in the target payment account.

Optionally, when executed, the computer executable instructions return response information to the internet of things device in an NB-IoT communication manner according to the payment function provisioning request, and include: extracting equipment characteristic information of the Internet of things equipment from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing the payment function to be opened or not according to the equipment characteristic information of the Internet of things equipment; and if so, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment in an NB-IoT communication mode.

Optionally, when executed, the computer executable instructions bind the target payment account in the mobile terminal with the internet of things device according to the binding notification message, including: according to the binding notification message, judging whether the number of the bound accounts corresponding to the Internet of things equipment is greater than a first number threshold value or not, and judging whether the number of the bound equipment corresponding to the target payment account is greater than a second number threshold value or not; and if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold value and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold value, binding the target payment account and the Internet of things equipment.

Optionally, the computer executable instructions, when executed, further comprise: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected by the payment equipment from the Internet of things equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and carrying out deduction operation in the target payment account according to the payment identifier of the target payment account.

The electronic device in the embodiment of the present application can implement each process implemented by the foregoing server, and achieve the same effect, which is not repeated here.

Further, embodiments of the present application also provide a storage medium for storing computer-executable instructions, in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the storage medium stores computer-executable instructions that, when executed by a processor, implement the following processes:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, further comprise: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying the payment bar code of the target payment account, wherein the bar code information of the payment bar code is collected by the collection equipment and is sent to the server so as to carry out payment deduction operation in the target payment account through the server.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, maintain the payment identification, comprising: storing the payment identifier of the target payment account in a storage unit of the Internet of things equipment; before generating the payment barcode of the target payment account according to the payment identifier of the target payment account, the method further includes: and when the Internet of things equipment is offline, the payment identifier of the target payment account is acquired from the storage unit.

The storage medium in the embodiment of the application can realize the processes realized by the internet of things device, and achieves the same effect, which is not repeated here.

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and when executed by the processor, the storage medium stores computer-executable instructions for implementing the following processes:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, send a binding notification message to the server in accordance with the account binding request, comprising: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, prior to generating the account binding query information: carrying out identity authentication on the user; and if the user identity authentication is confirmed to pass, generating account binding inquiry information.

The storage medium in the embodiment of the present application can implement the processes implemented by the foregoing mobile terminal, and achieve the same effect, which is not repeated here.

Optionally, when executed by the processor, the computer-executable instructions stored in the storage medium return response information to the internet of things device in an NB-IoT communication manner according to the payment function provisioning request, and include: extracting equipment characteristic information of the Internet of things equipment from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing the payment function to be opened or not according to the equipment characteristic information of the Internet of things equipment; and if so, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment in an NB-IoT communication mode.

Optionally, when executed by the processor, the computer-executable instructions stored in the storage medium bind the target payment account in the mobile terminal with the internet of things device according to the binding notification message, and include: according to the binding notification message, judging whether the number of the bound accounts corresponding to the Internet of things equipment is greater than a first number threshold value or not, and judging whether the number of the bound equipment corresponding to the target payment account is greater than a second number threshold value or not; and if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold value and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold value, binding the target payment account and the Internet of things equipment.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, further comprise: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected by the payment equipment from the Internet of things equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and carrying out deduction operation in the target payment account according to the payment identifier of the target payment account.

The storage medium in the embodiment of the present application can implement the foregoing processes implemented by the server, and achieve the same effect, and will not be repeated here.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. The device payment method is applied to intelligent household appliances and comprises the following steps:

sending a payment function opening request to a server in a narrowband Internet of things NB-IoT communication mode, and receiving response information returned by the server according to the payment function opening request in the NB-IoT communication mode; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened;

if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

receiving a payment identifier of the target payment account issued by a server through the NB-IoT communication mode, and storing the payment identifier; the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal; the binding notification message is sent by the mobile terminal according to the account binding request, wherein the mobile terminal carries out identity authentication on a user after receiving the account binding request, if the user identity authentication is confirmed to pass, account binding inquiry information used for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance is generated, and if the user is confirmed to allow the target payment account to be bound with the intelligent household appliance, the binding notification message is sent to a server; the binding notification message carries the unique character string, the device characteristic information, the user identity information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold, wherein the payment identifier is used for carrying out deduction operation in the target payment account; the payment identification is generated by the server according to the target payment account.

2. The method of claim 1, further comprising:

generating a payment bar code of the target payment account according to the payment identifier of the target payment account;

and displaying the payment bar code of the target payment account, wherein the bar code information of the payment bar code is collected by the collection equipment and is sent to the server so as to carry out deduction operation in the target payment account through the server.

3. The method of claim 2,

saving the payment identification, including: storing the payment identifier of the target payment account in a storage unit of the intelligent household appliance;

before the generating of the payment barcode of the target payment account according to the payment identifier of the target payment account, the method further includes: and when the intelligent household appliance is offline, acquiring the payment identifier of the target payment account from the storage unit.

4. A device payment method is applied to a mobile terminal and comprises the following steps:

acquiring an account binding request from an intelligent household appliance, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request is transmitted by the intelligent household appliance after receiving response information which is from the server and indicates that the payment function is allowed to be opened, and the response information is sent by the server according to the payment function opening request from the intelligent household appliance; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened; the intelligent household appliance and the server are communicated in a narrow-band Internet of things NB-IoT communication mode; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

sending a binding notification message to a server according to the account binding request, wherein after the account binding request is received, a user is authenticated, if the user is determined to pass the authentication, account binding inquiry information for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance is generated, and if the user is determined to allow the target payment account to be bound with the intelligent household appliance, the binding notification message is sent to the server; the binding notification message carries the unique character string, the device characteristic information, the user identity information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account and the intelligent household appliance and generate a payment identifier according to the target payment account if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold.

5. A device payment method is applied to a server and comprises the following steps:

receiving a payment function opening request sent by an intelligent household appliance in a narrowband Internet of things NB-IoT communication mode, and returning response information to the intelligent household appliance in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened;

receiving a binding notification message sent by a mobile terminal, judging whether the number of the bound accounts corresponding to the intelligent household appliance is greater than a first number threshold value or not according to the binding notification message, and judging whether the number of the bound devices corresponding to a target payment account is greater than a second number threshold value or not; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the intelligent household appliance, wherein the mobile terminal performs identity authentication on a user after receiving the account binding request, if the user identity authentication is confirmed to pass, account binding inquiry information used for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance is generated, and if the user is confirmed to allow the target payment account to be bound with the intelligent household appliance, the binding notification message is sent to a server; the binding notification message carries the unique character string, the device characteristic information of the intelligent household appliance, the user identity information and the account identifier of the target payment account, and the account binding request is used for requesting to bind the target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information;

if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold value and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold value, binding the target payment account with the intelligent household appliance;

issuing a payment identifier of the target payment account to the intelligent household appliance in the NB-IoT communication mode, wherein the payment identifier of the target payment account is used for carrying out deduction operation in the target payment account; the payment identification is generated by the server according to the target payment account.

6. The method of claim 5, wherein returning response information to the smart appliance in the NB-IoT communication manner according to the payment function provisioning request comprises:

extracting the equipment characteristic information of the intelligent household appliance from the payment function opening request;

verifying whether the intelligent household appliance is a device allowing a payment function to be opened or not according to the device characteristic information of the intelligent household appliance;

and if so, returning response information for indicating that the payment function is allowed to be opened to the intelligent household appliance through the NB-IoT communication mode.

7. The method of claim 5 or 6, further comprising:

receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the intelligent household appliance according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected from the intelligent household appliance by the payment equipment;

analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account;

and carrying out deduction operation in the target payment account according to the payment identifier of the target payment account.

8. The utility model provides a device payment apparatus which characterized in that is applied to intelligent household electrical appliances, includes:

the request opening module is used for sending a payment function opening request to the server in a narrowband Internet of things (NB-IoT) communication mode and receiving response information returned by the server according to the payment function opening request in the NB-IoT communication mode; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened;

the request binding module is used for transmitting an account binding request to the mobile terminal if the response information is used for indicating that the payment function is allowed to be opened, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

the identity storage module is used for receiving the payment identity of the target payment account issued by the server in the NB-IoT communication mode and storing the payment identity; the payment identification of the target payment account is sent by a server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the mobile terminal performs identity authentication on a user after receiving the account binding request, if the user identity authentication is confirmed to pass, account binding inquiry information for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance is generated, and if the user determines that the user allows the target payment account to be bound with the intelligent household appliance, the binding notification message is sent to the server; the binding notification message carries the unique character string, the device characteristic information, the user identity information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold, wherein the payment identifier is used for carrying out deduction operation in the target payment account; the payment identification is generated by the server according to the target payment account.

9. The apparatus of claim 8, further comprising a payment module to:

10. The apparatus of claim 9,

the identifier saving module is specifically configured to: storing the payment identifier of the target payment account in a storage unit of the intelligent household appliance;

the device further comprises: and the off-line acquisition module is used for acquiring the payment identifier of the target payment account from the storage unit when the intelligent household appliance is off-line before the payment barcode of the target payment account is generated according to the payment identifier of the target payment account.

11. A device payment apparatus is applied to a mobile terminal, and comprises:

the system comprises a request acquisition module, a request processing module and a processing module, wherein the request acquisition module is used for acquiring an account binding request from an intelligent household appliance, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request is transmitted by the intelligent household appliance after receiving response information which is from the server and indicates that the payment function is allowed to be opened, and the response information is sent by the server according to the payment function opening request from the intelligent household appliance; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened; the intelligent household appliance and the server are communicated in a narrow-band Internet of things NB-IoT communication mode; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

a notification sending module, configured to send a binding notification message to a server according to the account binding request, where after receiving the account binding request, an identity of the user is authenticated, if it is determined that the user identity is authenticated, account binding inquiry information for inquiring whether the user allows the target payment account to be bound to the intelligent household appliance is generated, and if it is determined that the user allows the target payment account to be bound to the intelligent household appliance, the binding notification message is sent to the server; the binding notification message carries the unique character string, the device characteristic information, the user identity information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account and the intelligent household appliance and generate a payment identifier according to the target payment account if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold.

12. A device payment apparatus, applied to a server, includes:

the request receiving module is used for receiving a payment function opening request sent by an intelligent household appliance in a narrowband Internet of things (NB-IoT) communication mode, and returning response information to the intelligent household appliance in the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; the response information carries a unique character string generated for the intelligent household appliance by the server after the intelligent household appliance is verified to be the equipment allowing the payment function to be opened;

the quantity judgment module is used for receiving a binding notification message sent by the mobile terminal, judging whether the quantity of the bound accounts corresponding to the intelligent household appliance is greater than a first quantity threshold value or not according to the binding notification message, and judging whether the quantity of the bound equipment corresponding to the target payment account is greater than a second quantity threshold value or not; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the intelligent household appliance, wherein the mobile terminal performs identity authentication on a user after receiving the account binding request, if the user identity authentication is confirmed to pass, account binding inquiry information used for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance is generated, and if the user is confirmed to allow the target payment account to be bound with the intelligent household appliance, the binding notification message is sent to a server; the binding notification message carries the unique character string, the device characteristic information of the intelligent household appliance, the user identity information and the account identifier of the target payment account, and the account binding request is used for requesting to bind the target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information;

the account binding module is used for binding the target payment account with the intelligent household appliance if the number of the bound accounts corresponding to the intelligent household appliance is not greater than a first number threshold and the number of the bound devices corresponding to the target payment account is not greater than a second number threshold;

the identity issuing module is used for issuing the payment identity of the target payment account to the intelligent household appliance in the NB-IoT communication mode, wherein the payment identity of the target payment account is used for deduction operation in the target payment account; the payment identification is generated by the server according to the target payment account.

13. The apparatus of claim 12, wherein the request receiving module is specifically configured to:

14. The apparatus of claim 12 or 13, further comprising a deduction module for:

15. An electronic device, comprising: a processor; and a memory arranged to store computer executable instructions which, when executed, cause the processor to carry out the steps of the device payment method of any one of the preceding claims 1 to 3; or, the step of implementing the device payment method of the above claim 4; or, implementing the steps of the device payment method of any of the above claims 5 to 7.

16. A storage medium storing computer-executable instructions, wherein the computer-executable instructions, when executed, implement the steps of the device payment method of any one of the preceding claims 1 to 3; or, the step of implementing the device payment method of the above claim 4; or, implementing the steps of the device payment method of any of the above claims 5 to 7.