CN109903037B - Internet of things payment platform and payment method for diversified payment scenes - Google Patents
Internet of things payment platform and payment method for diversified payment scenes Download PDFInfo
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Abstract
The invention discloses an internet of things payment platform and a payment method for diversified payment scenes. The internet of things payment platform comprises an intelligent control center, wherein the intelligent control center is connected with a payment behavior detection sensor, a running condition monitoring sensor, a man-machine interaction control interface, a payment operation control interface and an internet of things wireless communication unit. The intelligent control center is communicated with at least one man-machine interaction payment implementation device and the result feedback device through a man-machine interaction control interface to conduct information interaction. The intelligent control center is communicated with at least one payment operation unit through a payment operation control interface for information interaction. The intelligent control center performs wireless communication interaction with the Internet of things cloud service system through the Internet of things wireless communication unit. The invention improves the payment experience feeling of the user in various payment scenes, is flexible and convenient to pay, improves the management and control capability of merchants on payment facilities in various payment scenes, and greatly reduces the safety risk.
Description
Technical Field
The invention relates to an internet of things payment platform for diversified payment scenes and a payment method realized by the internet of things payment platform, and belongs to the technical field of mobile payment.
Background
Along with the progress of financial electronic technology, especially the rapid development of mobile payment technology, various emerging payment technologies are emerging while bringing convenience to the life of people, so that various payment scenes of financial industry, such as business superelevation, electronic business and the like, are derived, and in addition, a large number of payment scenes of non-financial industry exist in non-financial industry with huge body volume, such as public transportation, self-service retail and the like.
Throughout the various payment scenarios and payment techniques, they suffer from the following disadvantages:
first, the payment scenario only supports a single payment technology: currently, due to business competition, a certain payment scenario usually only supports a single payment technology, which makes users forced to use specific payment means, and the payment experience feel worse.
Second, the payment scenario supports multiple payment technologies: at present, for a payment scene supporting multiple payment technologies, as various payment facilities are laid successively, the interconnection and intercommunication relation among the payment technologies is lost or insufficient, the payment technologies cannot be effectively linked with each other, manual intervention is required by merchants, the intellectualization is insufficient, the labor cost is increased, and repeated laying of the payment facilities with similar functions is caused, so that the resource is wasted intangibly.
Third, across industry payment scenarios: due to industry barriers, payment technologies of the financial industry and the non-financial industry coexist for a long time, which makes payment facilities more and more complex, has higher compatibility requirements, and causes inconvenience in use when switching between the traditional payment technology and the emerging payment technology, and has poor payment experience feeling.
Fourth, merchants have inadequate control over payment facilities, which occurs more in trans-industry payment facilities. For the payment facilities in the traditional non-financial industry, merchants have difficulty in timely and effective management and monitoring of the payment facilities due to the limitation of communication conditions, and a certain risk exists.
Therefore, under the current situation that the payment scene is more and more refined and the payment technology is more and more diversified, the payment platform which can be flexibly applicable to the diversified payment scene is designed, and the payment platform is a problem which needs to be solved at present.
Disclosure of Invention
The invention aims to provide an Internet of things payment platform for diversified payment scenes and a payment method realized by the Internet of things payment platform, wherein the Internet of things payment platform improves the payment experience feeling of a user in various payment scenes, is flexible and convenient to pay, improves the management and control capability of merchants on payment facilities in various payment scenes, and greatly reduces the safety risk.
In order to achieve the above purpose, the present invention adopts the following technical scheme:
a thing networking payment platform for diversified payment scene, its characterized in that: the intelligent control center is connected with a payment behavior detection sensor for detecting user payment behaviors, a running condition monitoring sensor for monitoring general physical parameters of the running condition of the intelligent control center, a man-machine interaction control interface, a payment operation control interface and an internet of things wireless communication unit, wherein: the intelligent control center is communicated with at least one man-machine interaction payment implementation device and a result feedback device through a man-machine interaction control interface to conduct information interaction; the intelligent control center is communicated with at least one payment operation unit through a payment operation control interface for information interaction; the intelligent control center performs wireless communication interaction with the Internet of things cloud service system through the Internet of things wireless communication unit.
The payment method based on the internet of things payment platform for diversified payment scenes is characterized by comprising the following steps of:
s1) idle state: the payment behavior detection sensor detects the payment behavior of a user in real time, and the intelligent control center, the man-machine interaction control interface, the payment operation control interface and the wireless communication unit of the Internet of things are in standby;
s2) when the payment behavior detection sensor detects the payment behavior, the intelligent control center judges the payment technology possibly adopted by the user based on the physical parameter detected by the payment behavior detection sensor;
s3) the intelligent control center is communicated with the man-machine interaction payment implementation equipment and the result feedback equipment which correspond to the payment technology which are judged to be possibly adopted by the user through the man-machine interaction control interface;
s4) the intelligent control center acquires payment technical characteristic data from the connected man-machine interaction payment implementation equipment through the man-machine interaction control interface, calculates the priority of the payment technology adopted by each man-machine interaction payment implementation equipment which is actually connected based on the payment technical characteristic data, takes the payment technology with the highest priority as the payment technology which is actually adopted by a user, and then communicates the payment operation unit corresponding to the payment technology through the payment operation control interface;
s5) the intelligent control center acquires payment information of the transaction of the man-machine interaction payment implementation equipment corresponding to the payment technology which is judged to be actually adopted by the user, and after the identity authentication passes and the payment feasibility is confirmed, the payment operation unit finishes the payment operation offline or online;
s6) the payment operation unit feeds back the transaction result obtained after offline or online payment operation, the result feedback equipment displays transaction result information to the user, the payment process is finished, and the S1) is returned.
The invention has the advantages that:
1. the invention supports various payment technologies, including payment technology of financial industry and payment technology of non-financial industry, can be suitable for various payment scenes, especially for cross-industry payment scenes between financial industry and non-financial industry, and can obtain good payment experience feeling, so that the user is prevented from being forced to use a specific payment means, and inconvenience in use caused by complicated payment facilities and high compatibility requirements is avoided.
2. The invention ensures that various payment technologies are interconnected and intercommunicated, including effective linkage between the payment technology in the financial industry and the payment technology in the non-financial industry, reduces manual intervention of merchants in the transaction process, avoids repeated laying of payment facilities with similar functions, and reduces labor cost and resource waste.
3. According to the internet of things payment platform, the payment facility is the terminal equipment of the internet of things cloud service system, the merchant can effectively manage and control the payment facility through the internet of things cloud service system, the management and control capability of the merchant on the payment facility is improved, and the payment facility is particularly used as a cross-industry payment facility, so that the merchant is effectively managed and monitored from unmanaged or weakly managed to effectively managed and monitored in real time, and financial risks are effectively prevented.
Drawings
Fig. 1 is a block diagram of a payment platform of the internet of things of the present invention.
Fig. 2 is a flow chart of a payment method implemented by the internet of things payment platform of the present invention.
FIG. 3 is a block diagram of an embodiment of a payment platform of the Internet of things of the present invention.
Detailed Description
As shown in fig. 1, the internet of things payment platform for diversified payment scenarios of the present invention includes an intelligent control center 30, corresponding signal ports of the intelligent control center 30 are respectively connected with signal ports of a payment behavior detection sensor 10 for detecting a payment behavior of a user, an operation condition monitoring sensor 20 for monitoring general physical parameters of an operation condition of the intelligent control center 30, a man-machine interaction control interface 60, a payment operation control interface 70 and an internet of things wireless communication unit 40, wherein: the intelligent control center 30 is communicated with at least one man-machine interaction payment implementation device 90 and a result feedback device 100 through a man-machine interaction control interface 60 for information interaction; the intelligent control center 30 is communicated with at least one payment operation unit 80 through the payment operation control interface 70 for information interaction; the intelligent control center 30 performs wireless communication interaction with the internet of things cloud service system 50 through the internet of things wireless communication unit 40.
The operation condition monitoring sensor 20 is used for measuring general physical parameters reflecting the operation condition of the intelligent control center 30, such as physical parameters of positioning, speed, temperature, electric quantity, etc., and feeding back these physical parameters to the intelligent control center 30.
In the present invention, the operation condition monitoring sensor 20 is any one or any several of a GPS 201, a temperature sensor 202, a speed sensor, and an electric quantity sensor, which is not limited.
The payment behavior detection sensor 10 is used for detecting the payment behavior of a user and feeding back a detection signal to the intelligent control center 30, so that the accuracy and response speed of the intelligent control center 30 for identifying the payment technology are improved.
In the present invention, the payment behavior detection sensor 10 is the distance sensor 101 and the NFC power sensor 102, which is of course not limited.
In the present invention, the man-machine interaction payment implementing apparatus 90 is, of course, not limited to, the camera 901, the silver-joint flash payment card 902 and the public transportation card 903.
The result feedback device 100 is used for feeding back the transaction result after the transaction is finished to the user in a display manner or the like. The result feedback device 100 is a display 1001, of course without limitation.
The payment computing unit 80 is, of course, not limited to, the face recognition computing unit 801, the non-kernel computing unit 802, and the PSAM verification computing unit 803.
The wireless communication unit 40 of the internet of things is a radio frequency wireless communication device 401, which is not limited.
The intelligent control center 30 is a central module, and its roles mainly include: providing a multimedia man-machine interaction function, intelligently processing multimedia information, intelligently identifying various payment technologies, guiding a payment process, and intelligently coordinating interconnection and intercommunication among the payment technologies; the operation condition information of the whole platform is collected, including positioning, speed, temperature, electric quantity and the like, and is uploaded to the internet of things cloud service system 50 through the internet of things wireless communication unit 40 by means of an air interface, so that a merchant can acquire relevant information in real time, and management and control are facilitated; controlling the operation modes of the whole platform, such as starting, dormancy, authorization, OTA upgrading and the like; the control command is issued by the merchant or the control command is issued by the merchant (the path is that the merchant transmits the control command to the intelligent control center 30 through the internet of things cloud service system 50 and the internet of things wireless communication unit 40), so that the management capability of the merchant on payment facilities is improved.
In the present invention, the intelligent control center 30 may be an intelligent processing chip such as a desktop processor or a mobile processor, which has functions of information collection, processing, transmission, etc.
The man-machine interaction payment implementing device 90 is used as an intermediary for interaction between the user and the payment facility, on the one hand, it transmits the payment behavior of the user to the intelligent control center 30, and on the other hand, the intelligent control center 30 feeds back payment result information to the user through it. Generally, the man-machine interaction payment implementation device 90 may be classified into a man-machine interaction payment implementation device applicable to a payment technology of financial industry and a payment technology of non-financial industry, and the specific form is determined by the payment technology adopted by the user.
The man-machine interaction control interface 60 is used for controlling the communication state between each man-machine interaction payment implementation device 90 and the intelligent control center 30, i.e. the man-machine interaction control interface 60 gates one or more man-machine interaction payment implementation devices 90 to interact with the intelligent control center 30.
Each payment computing unit 80 is used for storing payment computing algorithms corresponding to various payment technologies, and has a function of executing payment computing, where the function includes identification, key acquisition, online status query, transaction result query, etc. In general, the payment operation unit 80 may be classified into a payment operation unit that performs a payment operation on a financial industry payment technology and a non-financial industry payment technology.
In the present invention, the payment operation unit 80 is a hardware electronic device having the capability of storing data, performing operations, and the like.
The payment operation control interface 70 is used for controlling the communication state between each payment operation unit 80 and the intelligent control center 30, that is, the payment operation control interface 70 gates one or more payment operation units 80 to perform information interaction with the intelligent control center 30.
The cloud service system 50 of the internet of things mainly provides management and control capability for merchants, and specifically comprises the following functions: the monitoring function, the merchant can obtain real-time operation information of the payment facility, including positioning, speed, temperature, electric quantity and the like; and the management function is that the merchant can control the whole platform in real time, namely the operation mode of the payment facility, including startup, dormancy, authorization, OTA upgrading and the like. The internet of things cloud service system 50 also has the capability of performing payment operations in conjunction with the payment operation unit 80.
In the present invention, the internet of things cloud service system 50 includes cloud service hardware devices.
The wireless communication unit 40 of the internet of things is configured to perform interactive transmission of data information between the baseband and the radio frequency in a wireless manner, specifically: in the uplink direction, the baseband data of the intelligent control center 30 is converted into a radio frequency signal conforming to the national radio standard through the internet of things wireless communication unit 40, and is transmitted out through an air interface, so that the radio frequency signal is uploaded to the internet of things cloud service system 50. In the downlink direction, the internet of things wireless communication unit 40 receives the radio frequency signal sent by the internet of things cloud service system 50 from the air interface, converts the radio frequency signal into baseband data, and then sends the baseband data to the intelligent control center 30.
In the present invention, the wireless communication unit 40 of the internet of things is a hardware electronic device with wireless communication and uplink and downlink data transmission capability, such as an LTE/NB-IoT radio with LTE and NB-IoT wireless communication functions.
In practical designs, the intelligent control center 30, the man-machine interaction control interface 60 and the payment computation control interface 70 may be integrated into one body, for example, into the intelligent platform 301 shown in fig. 3.
The payment method implemented by the internet of things payment platform of the present invention is described below in connection with fig. 2, which is applicable to payment transactions in various payment scenarios.
Referring to fig. 2, based on the internet of things payment platform for diversified payment scenes, the invention further provides a payment method, which comprises the following steps:
s1) idle state: the payment behavior detection sensor 10 detects the payment behavior of the user in real time, and the intelligent control center 30, the man-machine interaction control interface 60, the payment operation control interface 70 and the internet of things wireless communication unit 40 are in standby;
s2) when the payment behavior detection sensor 10 detects the payment behavior, the intelligent control center 30 judges the payment technology (one or more payment technologies) that the user may employ based on the physical parameters (e.g., distance, electromagnetic field power, etc.) detected by the payment behavior detection sensor 10;
s3) the intelligent control center 30 communicates with the man-machine interaction payment implementation device 90 (one or more man-machine interaction payment implementation devices) and the result feedback device 100 corresponding to the payment technology which is judged to be possibly adopted by the user through the man-machine interaction control interface 60;
s4) the intelligent control center 30 acquires payment technology characteristic data from the connected man-machine interaction payment implementation equipment 90 through the man-machine interaction control interface 60, the payment technology characteristic data represents the characteristics of the payment technology adopted by the man-machine interaction payment implementation equipment 90, then calculates the priority of the payment technology adopted by each man-machine interaction payment implementation equipment 90 which is actually connected based on the payment technology characteristic data, takes the payment technology with the highest priority as the payment technology which is actually adopted by the user, and then communicates the payment operation unit 80 corresponding to the payment technology through the payment operation control interface 70;
s5) the intelligent control center 30 acquires the payment information of the transaction of the man-machine interaction payment implementation equipment 90 corresponding to the payment technology which is judged to be actually adopted by the user, and after the identity authentication passes and the payment is confirmed to be feasible, the payment operation unit 80 finishes the payment operation offline or online;
s6) the payment operation unit 80 feeds back the transaction result obtained after the offline or online payment operation through the intelligent control center 30, and the result feedback device 100 displays the transaction result information to the user, and the payment process ends, returning to S1).
The step S1) is executed and any one or any several steps of the following steps are included:
the operation condition monitoring sensor 20 monitors general physical parameters for reflecting the operation condition of the intelligent control center 30 in real time;
the merchant obtains the running state information (such as physical parameters of positioning, speed, temperature, electric quantity and the like) of the internet of things payment platform through the internet of things cloud service system 50;
the merchant issues control commands for controlling the operation modes (such as starting up, dormancy, authorization, OTA upgrading and the like) of the payment platform of the internet of things through the internet of things cloud service system 50.
In step S2), when the payment behavior detection sensor 10 detects the payment behavior, an interrupt request is sent to the intelligent control center 30, and the intelligent control center 30 determines at least one payment technique that the user may use according to the physical parameter detected by the payment behavior detection sensor 10 that sent the interrupt request.
In step S4):
the payment technology characteristic data is combined with the physical parameters and the priority determination parameters detected by the payment behavior detection sensor 10, the priority of the payment technology of each of the man-machine interaction payment implementation devices 90 which are actually connected is calculated through a weight calculation mode, and a payment technology priority list is established, wherein the priority is ordered from high to low in the payment technology priority list, so that the payment technology at the first position (highest priority) of the payment technology priority list is taken as the payment technology actually adopted by the user, wherein: for the man-machine interaction payment implementation device 90 corresponding to the payment technology that is determined to be likely to be adopted by the user, if the intelligent control center 30 cannot acquire the payment technology characteristic data from the man-machine interaction payment implementation device 90 through the man-machine interaction control interface 60, the payment technology adopted by the man-machine interaction payment implementation device 90 is determined not to be the payment technology that is actually adopted by the user.
In the actual design, the priority determination parameters may be payment scenes, etc., and the payment technical characteristic data, the physical parameters detected by the payment behavior detection sensor 10, and the weights occupied by the priority determination parameters are different, so that the actual design may be reasonably performed according to the actual requirements. In actual calculation, based on the payment technical characteristic data, the physical parameters detected by the payment behavior detection sensor 10, and the weight occupied by each priority determination parameter, a numerical value representing the priority level is calculated, and the method for calculating the numerical value may adopt the following manner:
PRI(n，m)＝f(n，m)×WD(n，m)+p(n，m)×WP(n，m) 1)
in formula 1):
n represents an nth payment technology, N is set to be 1,2, … … and N is a positive integer greater than 1,
m represents the mth payment scene (i.e. priority determination parameter), the invention is set to be suitable for M payment scenes in total, the value of M is 1,2, … …, M and M are positive integers greater than 1,
(n, m) means that in the mth payment scenario using the nth payment technique,
f (n, m) represents the characteristic data equivalent using the nth payment technique in the mth payment scenario. When the characteristic data matches the payment technique, f (n, m) is 1, otherwise 0,
WD (n, m) represents a characteristic data weight using the nth payment technique in the mth payment scenario, which can be reasonably designed according to actual requirements,
p (n, m) represents the physical parameter equivalent using the nth payment technique in the mth payment scenario. When the physical parameter meets the threshold range of the payment technique, p (n, m) is 1, otherwise 0,
WP (n, m) represents the physical parameter weight of the nth payment technology under the mth payment scene, which can be reasonably designed according to actual requirements,
PRI (n, m) represents a priority value using an nth payment technique in an mth payment scenario.
According to formula 1), the priority values of all payment technologies used in the mth payment scene are calculated respectively, and the following numerical sequence is obtained:
PRI(1，m)，PRI(2，m)，……，PRI(N，m) 2)
and (3) arranging the numerical sequences in the formula 2) according to the order from large to small to obtain a payment technology priority list.
In step S5):
when the payment operation unit 80 performs the payment operation offline, the intelligent control center 30 obtains the payment information of the transaction from the man-machine interaction payment implementation device 90 through the man-machine interaction control interface 60 and feeds the payment information back to the payment operation unit 80, and after the payment operation unit 80 performs the identity authentication offline and determines that the payment is feasible, the payment operation unit 80 completes the payment operation offline, otherwise, if the identity authentication does not pass or the payment is determined to be not feasible, the payment operation unit 80 does not perform the payment operation.
For a specific payment technology, when the payment operation unit 80 performs online payment operation, the intelligent control center 30 acquires payment information of the transaction from the man-machine interaction payment implementation device 90 through the man-machine interaction control interface 60 and feeds the payment information back to the payment operation unit 80, the payment operation unit 80 performs encryption processing on the payment information, and after the intelligent control center 30, the internet of things wireless communication unit 40 and the internet of things cloud service system 50 perform identity authentication and determine that payment is feasible, the internet of things cloud service system 50 completes the payment operation, otherwise, if the identity authentication does not pass or the payment is determined to be not feasible, the internet of things cloud service system 50 does not perform the payment operation.
In the present invention, the payment information is, for example, payment information such as a user face ID extracted by the camera 901, payment information such as a card number of the public transportation card 903 and an application menu, and payment information such as a card number of the parallel payment card 902 and an application menu.
In practical implementation, the payment operation performed by the payment operation unit 80 when offline may include identification, key acquisition, online status inquiry, transaction result calculation, etc., and the payment operation performed by the payment operation unit 80 when online may include key acquisition, online status inquiry, transaction result calculation, etc., which are not limited. The payment operation process of the payment operation unit 80, the payment algorithm adopted, and the like are well known in the art, and are not described in detail herein.
In step S6):
when the payment operation unit 80 performs the payment operation offline, the payment operation unit 80 feeds back the transaction result to the human-computer interaction payment implementation device 90 through the human-computer interaction control interface 60 by the intelligent control center 30;
when the payment operation unit 80 performs online payment operation, the internet of things cloud service system 50 feeds back the transaction result to the payment operation unit 80 via the internet of things wireless communication unit 40 and the intelligent control center 30 after completing the payment operation, the payment operation unit 80 decrypts the transaction result, and for the man-machine interaction payment implementation device 90 such as a camera and the like without data receiving requirements, feeds back the decrypted transaction result to the intelligent control center 30, or for the man-machine interaction payment implementation device 90 such as a Union pay card and a public transportation card and the like with data receiving requirements, feeds back the decrypted transaction result to the man-machine interaction payment implementation device 90 via the man-machine interaction control interface 60 through the intelligent control center 30.
Fig. 3 shows an embodiment of the internet of things payment platform of the present invention, which is applicable to new public transportation payment, and is a payment scenario across the financial industry and public transportation industry. In this embodiment, 3 technologies are loaded (i.e., n=3), and the payment scenario is set to 8 th payment scenario (i.e., m=8), the face recognition payment technology is set to 1 st payment technology, the financial non-access payment technology is set to 2 nd payment technology, the public transportation card payment technology is set to 3 rd payment technology, weights WD (1, 8) =50, WD (2, 8) =40, WD (3, 8) =50, WP (1, 8) =30, WP (2, 8) =50, WP (3, 8) =50 are set.
In fig. 3, the intelligent control center 30, the man-machine interaction control interface 60 and the payment operation control interface 70 are integrated into a whole to form an intelligent platform 301, the intelligent platform 301 is connected with a distance sensor 101, an NFC power sensor 102, a GPS 201, a temperature sensor 202, a camera 901, a silver-joint flash card 902, a public transportation card 903, a display screen 1001, a face recognition operation unit 801, a non-kernel operation unit 802, a PSAM verification operation unit 803 and a radio frequency wireless communication device 401, and the radio frequency wireless communication device 401 is used for performing wireless communication with a cloud-based background management system 501, wherein:
the distance sensor 101 and the NFC power sensor 102 are payment behavior detection sensors 10, wherein the distance sensor 101 is used for detecting the payment behavior of the face recognition payment technology, and the NFC power sensor 102 is used for detecting the payment behavior of the financial non-connection payment technology and the public transportation card payment technology;
the GPS 201 and the temperature sensor 202 are running condition monitoring sensors 20, respectively provide positioning information and temperature information, and a merchant can monitor the running condition of the whole platform according to the positioning information and the temperature information;
the device comprises a camera 901, a silver-joint flash payment card 902 and a public transport card 903, wherein the camera 901 is used for implementing a face recognition payment technology, the silver-joint flash payment card 902 is used for implementing a financial non-contact payment technology, and the public transport card 903 is used for implementing a public transport card payment technology;
the display screen 1001 is a result feedback device 100, and is configured to display a transaction result to a user;
the face recognition operation unit 801, the non-kernel operation unit 802, and the PSAM verification operation unit 803 are payment operation units 80, where the face recognition operation unit 801 is configured to implement face recognition payment operation; the non-receiving kernel operation unit 802 is used for implementing financial non-receiving silver-joint flash payment operation; the PSAM authentication operation unit 803 is configured to implement public transportation card payment operation;
the radio frequency wireless communication device 401 is an internet of things wireless communication unit 40, and the radio frequency wireless communication device 401 can adopt wireless communication devices with functions of LTE and NB-IoT;
the cloud-based backend management system 501 is an internet of things cloud service system 50.
The embodiment shown in fig. 3 relates to three payment technologies, namely a face recognition payment technology, a financial non-contact payment technology and a public transport card payment technology.
The working procedure of the embodiment shown in fig. 3 is:
when the user employs the face recognition payment technique, the distance sensor 101 detects a physical parameter, i.e., a distance, reflecting that the user approaches and a payment action occurs, and then the distance sensor 101 issues an interrupt request to the smart platform 301. The smart phone platform 301 learns that the face recognition payment technology is a candidate payment technology based on the interrupt request. At this time, the smart platform 301 calculates p (1, 8) =1, p (2, 8) =0, and p (3, 8) =0.
The smart platform 301 connects the camera 901 and the display 1001.
The smart phone platform 301 acquires payment technology characteristic data (such as a multimedia video image (user's face) or the like) representing a face recognition payment technology through the camera 901, then calculates the priority of the face recognition payment technology in combination with the distance value detected by the distance sensor 101 and the priority determination parameter, and establishes a payment technology priority list, specifically, when the characteristic data (face data) matches the requirement of the face recognition payment technology, the smart phone platform 301 calculates f (1, 8) =1, f (2, 8) =0, and f (3, 8) =0. According to equation 2), the smart platform 301 calculates the value sequences PRI (1, 8) =80, PRI (2, 8) =0, PRI (3, 8) =0, and obtains the payment technology priority list 80 (n=1), 0 (n=2), 0 (n=3). It can be seen that the face recognition payment technique is located at the top of the list, and then the face recognition payment technique is determined to be the payment technique actually adopted by the user. The smart phone platform 301 is then connected to the face recognition operation unit 801.
The intelligent machine platform 301 extracts the user face ID through the camera 901 as payment information, sends the payment information to the face recognition operation unit 801, the face recognition operation unit 801 encrypts the payment information, and then the intelligent machine platform 301 and the radio frequency wireless communication device 401 are connected to the cloud-based background management system 501 for successful identity authentication and sufficient balance (payment feasibility) confirmation, and the cloud-based background management system 501 completes payment operation and successful payment. If the identity authentication is unsuccessful or the balance is not confirmed to be sufficient, the cloud-based backend management system 501 does not perform payment operation, and the payment fails.
Finally, after the cloud-based background management system 501 completes payment operation, the transaction result is fed back to the face recognition operation unit 801 through the radio frequency wireless communication device 401 and the intelligent machine platform 301, the face recognition operation unit 801 decrypts the transaction result and feeds back to the intelligent machine platform 301, the transaction result is displayed on the display screen 1001, feedback of the transaction result to a user is completed, and then the user returns to an idle state.
When the user employs the financial contactless payment technique, the NFC power sensor 102 detects that a physical parameter, i.e., a change in electromagnetic field power, exceeds a threshold value, indicating that a payment action has occurred, and then the NFC power sensor 102 issues an interrupt request to the smart machine platform 301. The smart machine platform 301 learns that the financial contactless payment technology and the public transportation card payment technology are candidate payment technologies based on the interrupt request. At this time, the smart platform 301 calculates p (1, 8) =0, p (2, 8) =1, and p (3, 8) =1.
The smart platform 301 connects the Unionpay card 902, the public transportation card 903 and the display 1001.
The smart phone platform 301 obtains payment technology characteristic data (e.g., electromagnetic field power characteristics, unionpay flag data, etc.) representing a financial non-receiving payment technology via the Unionpay flash card 902. But the smart platform 301 cannot be connected to the mass transit card 903, so that payment technology characteristic data representing the mass transit card payment technology cannot be acquired, and then the smart platform 301 calculates f (1, 8) =0, f (2, 8) =1, f (3, 8) =0. According to equation 2), the smart platform 301 calculates the value sequences PRI (1, 8) =0, PRI (2, 8) =90, PRI (3, 8) =50, and obtains the payment technology priority lists 90 (n=2), 50 (n=3), 0 (n=1). It can be seen that the financial non-connected payment technology is located at the top of the list, and then the financial non-connected payment technology is determined to be the payment technology actually adopted by the user. The intelligent platform 301 is then connected to the non-connected kernel arithmetic unit 802.
The intelligent machine platform 301 extracts the payment information such as the card number and the application menu through the Unionpay flash card 902, sends the payment information to the non-connected core operation unit 802, the non-connected core operation unit 802 encrypts the payment information, and then the intelligent machine platform 301 and the radio frequency wireless communication device 401 perform identity authentication to the cloud-based background management system 501 and confirm that the payment is feasible, and the cloud-based background management system 501 completes payment operation and successful payment. If the identity authentication is unsuccessful or the payment is confirmed to be not viable, the cloud-based backend management system 501 does not perform the payment operation, and the payment fails.
Finally, after the cloud-based background management system 501 completes payment operation, the transaction result is fed back to the non-connected core operation unit 802 through the radio frequency wireless communication device 401 and the intelligent machine platform 301, the non-connected core operation unit 802 decrypts the transaction result, and then feeds back the transaction result to the Unionpay flash card 902 through the intelligent machine platform 301, and the transaction result is displayed on the display screen 1001, so that feedback of the transaction result to a user is completed, and then an idle state is returned.
When a user pays for reasons of misoperation, etc., while holding the silver-joint flash payment card 902 and the public transportation card 903, the NFC power sensor 102 detects that a physical parameter, that is, a change of electromagnetic field power exceeds a threshold value, which indicates that a payment behavior occurs, and then the NFC power sensor 102 issues an interrupt request to the smart platform 301. The smart machine platform 301 learns that the financial contactless payment technology and the public transportation card payment technology are candidate payment technologies based on the interrupt request. At this time, the smart platform 301 calculates p (1, 8) =0, p (2, 8) =1, and p (3, 8) =1.
The smart platform 301 connects the Unionpay card 902, the public transportation card 903 and the display 1001.
The smart phone platform 301 obtains payment technology characteristic data (e.g., electromagnetic field power characteristics, unionpay flag data, etc.) representing financial non-receiving payment technologies through the Unionpay flash card 902 and obtains payment technology characteristic data (e.g., electromagnetic field power characteristics, public transportation card flag data, etc.) representing public transportation card payment technologies through the public transportation card 903. Then, the payment technology characteristic data is combined with the electromagnetic field power detected by the NFC power sensor 102 and the priority determination parameter, the priorities of the financial non-receiving payment technology and the public transportation card payment technology are calculated, and a payment technology priority list is established, specifically, the intelligent platform 301 calculates f (1, 8) =0, f (2, 8) =1, and f (3, 8) =1. According to equation 2), the smart platform 301 calculates the value sequences PRI (1, 8) =0, PRI (2, 8) =90, PRI (3, 8) =100, and obtains the payment technology priority lists 100 (n=3), 90 (n=2), 0 (n=1). The public transportation card payment technology is determined to be the payment technology actually adopted by the user because the public transportation card payment technology has the highest priority and is positioned at the head of the list. The intelligent platform 301 is then connected to the PSAM authentication operation 803.
The smart phone platform 301 extracts the payment information such as the card number and the application menu via the public transportation card 903, and transmits the payment information to the PSAM authentication operation unit 803. Meanwhile, after the PSAM verification operation unit 803 performs identity authentication successfully offline and confirms that the balance is sufficient (payment is feasible), the PSAM verification operation unit 803 completes payment operation offline, and the payment is successful. If the identity authentication is unsuccessful or the payment is confirmed to be not viable, the PSAM authentication operation unit 803 does not perform the payment operation, and the payment fails.
Finally, the PSAM verification operation unit 803 feeds back the transaction result to the public transport card 903 through the intelligent platform 301, and displays the transaction result on the display screen 1001, so as to complete the feedback of the transaction result to the user, and then returns to the idle state.
The invention has the advantages that:
1. the invention supports various payment technologies, including payment technology of financial industry and payment technology of non-financial industry, can be suitable for various payment scenes, especially for cross-industry payment scenes between financial industry and non-financial industry, and can obtain good payment experience feeling, so that the user is prevented from being forced to use a specific payment means, and inconvenience in use caused by complicated payment facilities and high compatibility requirements is avoided.
2. The invention ensures that various payment technologies are interconnected and intercommunicated, including effective linkage between the payment technology in the financial industry and the payment technology in the non-financial industry, reduces manual intervention of merchants in the transaction process, avoids repeated laying of payment facilities with similar functions, and reduces labor cost and resource waste.
3. According to the internet of things payment platform, the payment facility is the terminal equipment of the internet of things cloud service system, the merchant can effectively manage and control the payment facility through the internet of things cloud service system, the management and control capability of the merchant on the payment facility is improved, and the payment facility is particularly used as a cross-industry payment facility, so that the merchant is effectively managed and monitored from unmanaged or weakly managed to effectively managed and monitored in real time, and financial risks are effectively prevented.
The foregoing is a description of the preferred embodiments of the present invention and the technical principles applied thereto, and it will be apparent to those skilled in the art that any modifications, equivalent changes, simple substitutions and the like based on the technical scheme of the present invention can be made without departing from the spirit and scope of the present invention.
Claims (8)
1. A thing networking payment platform for diversified payment scene, its characterized in that: the intelligent control center is connected with a payment behavior detection sensor for detecting user payment behaviors, a running condition monitoring sensor for monitoring general physical parameters of the running condition of the intelligent control center, a man-machine interaction control interface, a payment operation control interface and an internet of things wireless communication unit, wherein: the intelligent control center is communicated with at least one man-machine interaction payment implementation device and a result feedback device through a man-machine interaction control interface to conduct information interaction; the intelligent control center is communicated with at least one payment operation unit through a payment operation control interface for information interaction; the intelligent control center performs wireless communication interaction with the Internet of things cloud service system through the Internet of things wireless communication unit; the internet of things payment platform for diversified payment scenes realizes a payment process by the following steps of:
s1) idle state: the payment behavior detection sensor detects the payment behavior of a user in real time, and the intelligent control center, the man-machine interaction control interface, the payment operation control interface and the wireless communication unit of the Internet of things are in standby;
s2) when the payment behavior detection sensor detects the payment behavior, the intelligent control center judges the payment technology possibly adopted by the user based on the physical parameter detected by the payment behavior detection sensor;
s3) the intelligent control center is communicated with the man-machine interaction payment implementation equipment and the result feedback equipment which correspond to the payment technology which are judged to be possibly adopted by the user through the man-machine interaction control interface;
s4) the intelligent control center acquires payment technology characteristic data from the connected man-machine interaction payment implementation equipment through the man-machine interaction control interface, calculates the priority of the payment technology adopted by each man-machine interaction payment implementation equipment which is actually connected based on the payment technology characteristic data, takes the payment technology with the highest priority as the payment technology which is actually adopted by a user, and then communicates the payment operation unit corresponding to the payment technology through the payment operation control interface, wherein: the payment technology characteristic data is combined with the physical parameters and the priority judging parameters detected by the payment behavior detection sensor, the priority of the payment technology of each of the man-machine interaction payment implementation devices which are actually communicated is calculated through a weight calculation mode, and a payment technology priority list is established, wherein the priority is ordered from high to low in the payment technology priority list, so that the payment technology at the first position of the payment technology priority list is used as the payment technology which is actually adopted by a user, wherein: for the man-machine interaction payment implementation equipment corresponding to the payment technology which is judged to be possibly adopted by the user, if the intelligent control center cannot acquire the payment technology characteristic data from the man-machine interaction payment implementation equipment through the man-machine interaction control interface, the payment technology adopted by the man-machine interaction payment implementation equipment is judged to be not the payment technology which is actually adopted by the user;
s5) the intelligent control center acquires payment information of the transaction of the man-machine interaction payment implementation equipment corresponding to the payment technology which is judged to be actually adopted by the user, and after the identity authentication passes and the payment feasibility is confirmed, the payment operation unit finishes the payment operation offline or online;
s6) the payment operation unit feeds back the transaction result obtained after offline or online payment operation, the result feedback equipment displays transaction result information to the user, the payment process is finished, and the S1) is returned.
2. The internet of things paymate for diversified payment scenarios of claim 1 wherein:
the running condition monitoring sensor is any one or more of a GPS, a temperature sensor, a speed sensor and an electric quantity sensor;
the payment behavior detection sensor is a distance sensor and an NFC power sensor;
the man-machine interaction payment implementation equipment comprises a camera, a silver-joint flash payment card and a public transportation card;
the result feedback equipment is a display screen;
the payment operation unit is a face recognition operation unit, a non-connected kernel operation unit and a PSAM verification operation unit;
the wireless communication unit of the Internet of things is radio frequency wireless communication equipment.
3. The internet of things paymate for diversified payment scenarios of claim 1 or 2 wherein:
the intelligent control center, the man-machine interaction control interface and the payment operation control interface are integrated into a whole.
4. A payment method implemented based on the internet of things payment platform for diversified payment scenarios according to any one of claims 1 to 3, characterized in that it comprises the steps of:
s1) idle state: the payment behavior detection sensor detects the payment behavior of a user in real time, and the intelligent control center, the man-machine interaction control interface, the payment operation control interface and the wireless communication unit of the Internet of things are in standby;
s2) when the payment behavior detection sensor detects the payment behavior, the intelligent control center judges the payment technology possibly adopted by the user based on the physical parameter detected by the payment behavior detection sensor;
s3) the intelligent control center is communicated with the man-machine interaction payment implementation equipment and the result feedback equipment which correspond to the payment technology which are judged to be possibly adopted by the user through the man-machine interaction control interface;
s4) the intelligent control center acquires payment technology characteristic data from the connected man-machine interaction payment implementation equipment through the man-machine interaction control interface, calculates the priority of the payment technology adopted by each man-machine interaction payment implementation equipment which is actually connected based on the payment technology characteristic data, takes the payment technology with the highest priority as the payment technology which is actually adopted by a user, and then communicates the payment operation unit corresponding to the payment technology through the payment operation control interface, wherein: the payment technology characteristic data is combined with the physical parameters and the priority judging parameters detected by the payment behavior detection sensor, the priority of the payment technology of each of the man-machine interaction payment implementation devices which are actually communicated is calculated through a weight calculation mode, and a payment technology priority list is established, wherein the priority is ordered from high to low in the payment technology priority list, so that the payment technology at the first position of the payment technology priority list is used as the payment technology which is actually adopted by a user, wherein: for the man-machine interaction payment implementation equipment corresponding to the payment technology which is judged to be possibly adopted by the user, if the intelligent control center cannot acquire the payment technology characteristic data from the man-machine interaction payment implementation equipment through the man-machine interaction control interface, the payment technology adopted by the man-machine interaction payment implementation equipment is judged to be not the payment technology which is actually adopted by the user;
s5) the intelligent control center acquires payment information of the transaction of the man-machine interaction payment implementation equipment corresponding to the payment technology which is judged to be actually adopted by the user, and after the identity authentication passes and the payment feasibility is confirmed, the payment operation unit finishes the payment operation offline or online;
s6) the payment operation unit feeds back the transaction result obtained after offline or online payment operation, the result feedback equipment displays transaction result information to the user, the payment process is finished, and the S1) is returned.
5. A payment method as recited in claim 4, wherein:
the step S1) is executed and any one or any several steps of the following steps are included:
the operation condition monitoring sensor monitors general physical parameters used for reflecting the operation condition of the intelligent control center in real time;
the merchant obtains the running condition information of the internet of things payment platform through the internet of things cloud service system;
and the merchant issues a control command for controlling the operation mode of the Internet of things payment platform through the Internet of things cloud service system.
6. A payment method as recited in claim 4, wherein:
in the step S2), when the payment behavior detection sensor detects the payment behavior, an interrupt request is sent to the intelligent control center, and the intelligent control center determines at least one payment technology possibly adopted by the user according to the physical parameter detected by the payment behavior detection sensor sending the interrupt request.
7. A payment method as recited in claim 4, wherein:
in said step S5):
when the payment operation unit carries out offline payment operation, the intelligent control center acquires payment information of the transaction from the man-machine interaction payment implementation equipment through the man-machine interaction control interface and feeds the payment information back to the payment operation unit, and after the payment operation unit carries out offline identity authentication and judges that payment is feasible, the payment operation unit completes offline payment operation;
when the payment operation unit performs online payment operation, the intelligent control center obtains payment information of the transaction from the man-machine interaction payment implementation equipment through the man-machine interaction control interface and feeds the payment information back to the payment operation unit, the payment operation unit performs encryption processing on the payment information, and the internet of things cloud service system completes payment operation after the intelligent control center, the internet of things wireless communication unit and the internet of things cloud service system perform identity authentication and judge that payment is feasible.
8. A payment method as recited in claim 4, wherein:
in said step S6):
when the payment operation unit carries out payment operation offline, the payment operation unit feeds back a transaction result to the man-machine interaction payment implementation equipment through the man-machine interaction control interface by the intelligent control center;
when the payment operation unit performs online payment operation, the internet of things cloud service system feeds back a transaction result to the payment operation unit through the internet of things wireless communication unit and the intelligent control center after the payment operation is completed, the payment operation unit performs decryption processing on the transaction result, and feeds back the decrypted transaction result to the intelligent control center or feeds back the decrypted transaction result to the man-machine interaction payment implementation equipment through the man-machine interaction control interface.
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