CN110009330A - Method of payment and device - Google Patents

Abstract

The present application provides a payment method and device, wherein the payment method includes: receiving a payment pre-start instruction in a payment area; collecting action data based on the payment pre-start instruction; identifying a device payment action corresponding to the action data; The payment interface corresponding to the device payment action cooperates with the payment receiving end to complete the payment. The payment method provided by the present application associates the device payment action sent by the user with the payment interface, which simplifies the user's operation process in the payment process and makes the payment process more convenient and efficient.

Description

Payment method and device

technical field

The present application relates to the field of mobile payment technologies, and in particular, to a payment method, a payment device, a computing device, and a computer-readable storage medium.

Background technique

With the popularization of smart phones and the increasingly perfect electronic money payment system, small-amount electronic money mobile payment has become an important payment method for people, and the convenience and security of mobile payment are issues that must be considered. Mobile payment identifies merchants and transaction information by scanning a QR code. Quick feedback code is one of the two-dimensional barcodes, which is widely used because its content can be quickly parsed.

At this stage, the operation process of using QR code for mobile payment in store consumption mainly includes: 1) The customer starts the payment application of the smart terminal; 2) Choose to scan the merchant's QR code for payment or let the merchant scan the payment QR code of the device; 3) Complete the follow-up payment operation, including the input of the payment amount and the input of the payment password, or automatic deduction.

However, scanning the QR code payment method obviously does not bring great convenience to the user. The user needs to manually start the payment application and select the payment method, which increases the operation and preparation time before payment, and the payment process is not convenient and fast.

SUMMARY OF THE INVENTION

In view of this, the present application provides a payment method to solve the technical defects existing in the prior art. The present application also provides a payment apparatus, a computing device, and a computer-readable storage medium.

This application provides a payment method including:

Receive payment pre-activation instructions in the payment area;

collecting action data based on the payment pre-start instruction;

Identify the device payment action corresponding to the action data;

The payment interface corresponding to the device payment action is activated to cooperate with the payment receiver to complete the payment.

Optionally, the device payment action includes at least one of the following:

Scan code action, show payment code action;

The payment interface includes at least one of the following:

Performing the code scanning action to scan the code scanning interface of the image feature code corresponding to the collection account of the payment receiving end during the payment process, and performing the displaying payment code action to display the corresponding payment account to the payment receiving end during the payment process The image feature code of the display payment code interface.

Optionally, the identifying the device payment action corresponding to the action data includes:

If the action corresponding to the action data is the code scanning action, execute the payment interface corresponding to the initiating the device payment action and cooperate with the payment receiving end to complete the payment step.

Optionally, the payment interface corresponding to the initiating the device payment action cooperates with the payment receiving end to complete the payment, including:

displaying the code scanning interface corresponding to the code scanning action;

Scan the image feature code corresponding to the payment account of the payment receiving end based on the scanning code interface;

parsing the image feature code;

The payment is made to the collection account of the payment receiving end obtained by the analysis.

Optionally, the identifying the device payment action corresponding to the action data includes:

When the action corresponding to the action data is the action of displaying the payment code, the payment interface corresponding to the action of starting the device payment is executed to cooperate with the payment receiving end to complete the payment step.

Optionally, the payment interface corresponding to the initiating the device payment action cooperates with the payment receiving end to complete the payment, including:

The display payment code interface corresponding to the display payment code action is displayed to cooperate with the payment receiving end to complete payment.

Optionally, the image feature code includes at least one of the following:

Quick feedback code, barcode, color QR code.

Optionally, before receiving the payment pre-start instruction, the method further includes:

If the received payment pre-start signal strength is greater than the preset signal strength threshold, it is determined to enter the payment area.

After receiving the payment pre-start instruction in the payment area, the method further includes:

Feedback a signal to the payment receiver to inform the payment receiver that it has entered the payment area.

Optionally, the payment pre-start instruction carries the identity information and/or payment function data of the payment receiving end;

Wherein, the payment function data includes the reference action type of the reference payment action, and the reference action type of the reference payment action includes:

Scan code action type and display payment code action type.

Optionally, after the step of identifying the device payment action corresponding to the action data is executed, and before the step of starting the payment interface corresponding to the device payment action is executed, the steps include:

Determine whether the action type corresponding to the device payment action matches the reference action type of the reference payment action specified by the payment receiver;

If so, execute the payment interface step corresponding to the activation of the device payment action;

Or, determine whether the action type corresponding to the device payment action matches at least one reference action type of the reference payment action;

If so, execute the payment interface step corresponding to the initiating the device payment action.

The application provides a payment device, including:

a receiving module, configured to receive a payment pre-start instruction in the payment area;

a collection module, configured to collect action data based on the payment pre-start instruction;

an identification module, configured to identify a device payment action corresponding to the action data;

The first payment module is configured to start the payment interface corresponding to the device payment action and cooperate with the payment receiver to complete the payment.

This application provides a second payment method, including:

Configure payment pre-start instructions;

sending the payment pre-start instruction to at least one payment terminal in the payment area;

Based on the payment interface started after the payment terminal receives the payment pre-start instruction, the payment is completed in cooperation with the payment terminal.

Optionally, the payment area is determined in the following manner:

The signal strength of the wireless signal transmitted by the signal transmitting unit configured at the payment receiving end is greater than the range of the preset signal strength threshold.

Optionally, after sending the payment pre-start instruction to at least one payment terminal in the payment area, the method further includes:

Receive the feedback signal from the payment terminal to confirm that the payment terminal has entered the payment area and received the payment pre-start instruction.

Optionally, the signal transmitting unit includes: an iBeacon base station;

Correspondingly, the wireless signal transmitted by the signal transmitting unit includes the iBeacon signal broadcast by the iBeacon base station.

Optionally, the payment pre-start instruction carries identity information and/or payment function data;

The payment function data includes a reference action type of a reference payment action, and the reference action type of the reference payment action includes a scan code action type and a payment code display action type.

The present application provides a second payment device, including:

a configuration module, configured to configure the payment pre-start instruction;

a sending module, configured to send the payment pre-start instruction to at least one payment terminal in the payment area;

The second payment module is configured to cooperate with the payment terminal to complete payment based on the payment interface activated after the payment terminal receives the payment pre-start instruction.

The present application provides a computing device including:

memory and processor;

The memory is used to store computer-executable instructions, and the processor is used to implement the steps of the payment method when executed.

The present application provides a computer-readable storage medium, which stores computer instructions, which implement the steps of the payment method when the instructions are executed by a processor.

Compared with the prior art, the present application has the following advantages:

The present application provides a payment method, comprising: receiving a payment pre-start instruction in a payment area; collecting action data based on the payment pre-start instruction; identifying a device payment action corresponding to the action data; The payment interface cooperates with the payment receiver to complete the payment.

In the payment method provided by this application, in the process that the payment terminal cooperates with the payment receiving terminal to make payment, specifically after entering the payment area of the payment receiving terminal, the payment pre-start instruction sent by the payment receiving terminal is used to detect and identify the user in the payment process. and automatically execute the corresponding payment operation on the basis of identifying the device payment action, thereby simplifying the user's operation process in the payment process and making the payment process more convenient and efficient.

The present application provides a second payment method, including: configuring a payment pre-start instruction; sending the payment pre-start instruction to at least one payment terminal in the payment area; after receiving the payment pre-start instruction by the payment terminal The activated payment interface cooperates with the payment terminal to complete the payment.

In the second payment method provided by this application, by pre-configuring the signal transmitting unit and the instruction information sent by the signal transmitting unit on the payment receiving end, when the user enters the payment area of the signal transmitting unit with the payment terminal, the user sends an instruction to the payment terminal. By sending the instruction information and cooperating with the payment terminal to detect the user's payment intention to perform the corresponding payment operation, the user's operation process in the payment process is simplified, and the user's payment experience is optimized.

Description of drawings

1 is a flowchart of a payment method provided by an embodiment of the present application;

2 is a schematic diagram of a payment terminal scanning a store payment code provided by an embodiment of the present application;

3 is a schematic diagram of a payment terminal displaying a payment code according to an embodiment of the present application;

4 is a schematic diagram of a store payment process provided by an embodiment of the present application;

5 is a schematic diagram of a payment device provided by an embodiment of the present application;

6 is a flowchart of a second payment method provided by an embodiment of the present application;

7 is a schematic diagram of a second payment device provided by an embodiment of the present application;

FIG. 8 is a structural block diagram of a computing device provided by an embodiment of the present application.

Detailed ways

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. However, the present application can be implemented in many other ways different from those described herein, and those skilled in the art can make similar promotions without violating the connotation of the present application. Therefore, the present application is not limited by the specific implementation disclosed below.

The terminology used in one or more embodiments of this specification is for the purpose of describing a particular embodiment only and is not intended to limit the one or more embodiments of this specification. As used in the specification or embodiments and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It will also be understood that the term "and/or" as used in this specification in one or more embodiments refers to and includes any and all possible combinations of one or more of the associated listed items.

It will be understood that although the terms first, second, etc. may be used in one or more embodiments of this specification to describe various information, such information should not be limited by these terms. These terms are only used to distinguish the same type of information from each other. For example, a first could be termed a second, and similarly, a second could be termed a first, without departing from the scope of one or more embodiments of this specification. Depending on the context, the word "if" as used herein can be interpreted as "at the time of" or "when" or "in response to determining."

The present application provides a payment method, and the present application also provides a payment device, a second payment method and device, two kinds of computing devices, and two kinds of machine-readable storage media. The following is a detailed description one by one with reference to the accompanying drawings of the embodiments provided in the present application, and each step of the method is described.

An example of a payment method provided by this application is as follows:

Referring to FIG. 1, it shows a flowchart of a payment method provided by this embodiment; referring to FIG. 2, it shows a schematic diagram of a payment terminal scanning a store payment code provided by this embodiment; FIG. 3 shows a schematic diagram of a payment terminal displaying a payment code provided by this embodiment.

Step S102, receiving a payment pre-start instruction in the payment area.

As mobile payment has become an important payment method for people, the convenience of payment is an issue that needs to be considered. A typical mobile payment method is scan code payment. Users need to start the payment application, select a payment method, and complete subsequent payment operations. Scan code payment steps are cumbersome and inconvenient for users to operate. The embodiment of the present application provides a method for automatically starting a payment service in a mobile device, so that the user does not need to open a payment application to select a payment method, and by simplifying the payment process, the payment process is more convenient and the user experience is better.

The payment methods described in the embodiments of the present application are implemented based on a payment terminal, and the payment terminal corresponds to a payer in the payment process, such as a user's mobile phone. The following second payment method provided by this application is realized based on the payment receiving end, and the payment receiving end corresponds to the payee in the payment process, such as the cash register equipment of the offline store, etc., and is completed through the mutual cooperation of the two payment process.

The payment pre-start instruction described in the embodiment of the present application refers to that when a user (such as a customer of an offline store) enters the payment area, the payment terminal carried by the user is detected by the payment receiving terminal configured in the payment area, and the The signal transmitting unit equipped at the payment receiving end sends an instruction to wake up the payment application of the payment end, and the instruction is the payment pre-start instruction.

In a preferred implementation manner provided by the embodiment of the present application, before receiving the payment pre-start instruction, the method further includes: the received payment pre-start signal strength is greater than a preset signal strength threshold, and it is determined to enter the payment area.

Preferably, after receiving the payment pre-start instruction in the payment area, the method further includes: feeding back a signal to the payment receiving end, informing the payment receiving end that it has entered the payment area.

When the user enters the store, the user's payment terminal receives the payment pre-start instruction. If the signal strength of the pre-start instruction is greater than the preset signal strength threshold, the payment terminal can determine that it has entered the payment area, and the payment pre-start instruction makes The payment app is awakened. The push of the pre-start instruction information requires the support of the payment application, but the payment terminal does not need to open the payment application to receive the information, as long as the application is installed and the Bluetooth function of the payment terminal is turned on.

Moreover, after receiving the payment pre-start instruction in the payment area, the payment terminal also feeds back a signal to the payment receiving terminal, which is used to inform the payment receiving terminal that it has entered the payment area. The payment terminal of the feedback signal has entered the payment area.

Preferably, the payment pre-start instruction carries the identity information and/or payment function data of the payment receiving end. The payment function data includes a reference action type of a reference payment action, and the reference action type of the reference payment action includes a scan code action type and a payment code display action type.

The payment pre-start instruction received by the payment terminal includes the unique identification information of the payment receiving terminal and the payment function data including the reference action type. Among them, the identity information is used to identify the identity of the store and determine the payment recipient. The payment function data includes two types of benchmark actions: scan code action and display payment code action. By detecting whether the user's payment action is one of the benchmark payment action types, it is determined whether the user has payment intention.

Step S104, collecting action data based on the payment pre-start instruction.

The action data described in the embodiment of the present application refers to the action data corresponding to the actions sent by the user holding the payment terminal and collected by the payment terminal after it is detected that the user enters the payment area with the payment terminal.

In practical applications, to collect motion data, a gyroscope and an accelerometer can be used to collect the motion data of the device. The gyroscope refers to a device for measuring or maintaining direction and angle; the accelerometer refers to a device for measuring acceleration.

Specifically, for example, the accelerometer is used to measure the three-dimensional acceleration a _x , a _y and _az of the device, and the resultant acceleration is obtained according to formula (1):

The gyroscope is used to measure the angular velocity ₁ , ₂ and ₃ of the device, and the angular velocity ω is obtained according to formula (2):

The deflection angle is calculated from the angular velocity ω, and the deflection angle is obtained according to formula (3):

θ=∫ω(t)dt (3);

The resultant acceleration and deflection angle are the collected motion data.

As mentioned above, the payment pre-start instruction carries the identification information and/or payment function data of the payment receiving end. The payment function data includes a reference action type of a reference payment action, and the reference action type of the reference payment action includes a scan code action type and a payment code display action type. On this basis, in a preferred implementation provided by the embodiment of this application, the user is judged by judging whether the device payment action sent by the user is consistent with the pre-specified action type included in the payment pre-start instruction sent by the payment receiving end. Whether there is a payment intention to prevent the payment application from being launched by mistake or refusing to launch.

Specifically, after identifying the device payment action corresponding to the action data and before starting the payment interface corresponding to the device payment action, it is determined whether the action type corresponding to the device payment action is the same as the one specified by the payment receiving end. The benchmark action type of the benchmark payment action matches;

If so, it indicates that the device payment action sent by the user conforms to the benchmark payment action specified by the payment receiver, and starts the payment interface corresponding to the device payment action; if not, it indicates that the action issued by the user is not the benchmark payment action specified by the payment receiver, It is considered that there is no payment intention, and even if the payment terminal is awakened, the payment interface will not be displayed.

For example, if the store only specifies one payment method, which is to scan the user's payment code with a code scanner, the user needs to make an action that meets the payment method specified by the store when making payment, that is, the user needs to Pick up the phone and point the screen at the code scanner to activate the corresponding payment code interface. If the user performs other actions, the payment application does not respond.

In addition, in the specific implementation, if the store does not specify the payment method, or stipulates that there are multiple payment methods, after identifying the device payment action corresponding to the action data, and starting the payment corresponding to the device payment action Before the interface, determine whether the action type corresponding to the device payment action matches at least one reference action type of the reference payment action;

If so, it indicates that the action type issued by the user is one of the two standard payment action types, that is, the action type issued by the user is the action type of scanning code or the action type of displaying payment code, and the payment interface corresponding to the device payment action is activated;

If not, it indicates that the action type sent by the user is not the specified reference payment action type, it is considered that there is no payment intention, and the payment application does not respond.

For example, after the user enters the store, the mobile phone carried by the user enters the iBeacon payment area of the store, and receives the information sent by the store. The information includes the store's identity information and payment function data. The payment function data includes the benchmark action of the benchmark payment action. The type is scan code action type or display payment code action type.

The payment application in the mobile phone is pre-launched. If the user makes an action with the mobile phone, it is judged whether the action type is one of the reference action types; if so, it indicates that the action type of the device payment action sent by the user is the scanning action type or the display payment action type. Code action type; if not, it indicates that the user has no payment intention, and the mobile payment application does not display the payment interface.

Step S106, identifying the device payment action corresponding to the action data.

Based on the collected action data, the payment terminal recognizes the payment actions made by the user when using the device, so as to determine the user's payment intention, such as scanning the store's payment code or displaying the device's payment code.

For example, when the user picks up the mobile phone and makes an action to aim at the object, the mobile phone collects the user's motion data at this time, and recognizes that the action made by the user is the action of scanning the code; when the user picks up the mobile phone and makes the mobile phone screen face up When the mobile phone collects the action data of the user at this time, it recognizes that the action made by the user is the action of displaying the payment code.

Preferably, the device payment action includes a code scanning action and an action of displaying the payment code; wherein, the scanning action includes the action of lifting the payment terminal and aiming at the object; the action of displaying the payment code includes the action of lifting the payment terminal and facing the screen upwards . In addition, the device payment action also includes other types of payment actions, and similarly, the scan code action also includes other types of payment sub-actions, and the display payment code action also includes other types of payment sub-actions Action, which is not limited in this example. For example, the action of displaying the payment code may also include: if the store uses a scanning device with the scanner facing upward, the user needs to turn the screen of the payment terminal down to display the payment code; if the store uses a code scanning gun, the user needs to place the payment terminal on the screen. The screen is facing away from you, towards the direction of the code scanning gun.

Based on this, the payment interface includes: a scan code interface for scanning the image feature code corresponding to the payment account of the payment receiving end during the payment process by performing the code scanning action, and performing the display payment code action during the payment process. A payment code display interface for displaying the image feature code corresponding to the payment account to the payment receiving end.

For example, when a user enters a store with a mobile phone, the mobile phone detects that his device has entered the payment range of the store, and the payment application is pre-launched. When it detects that the user lifts the mobile phone and scans the object, the application automatically displays the interface for scanning the store’s QR code. Refer to Figure 2 shows a schematic diagram of the payment terminal scanning the store payment code.

Or, in another scenario, the user enters the store with a mobile phone, the mobile phone detects that it has entered the payment range of the store, and the payment application is pre-launched. When the user lifts the mobile phone and the mobile phone screen is detected, the application automatically displays the payment code. , refer to the schematic diagram of the payment terminal showing the payment code shown in FIG. 3 .

Identify the device payment action corresponding to the action data in the following ways:

If the action corresponding to the action data is the scan code action, execute the payment interface corresponding to the start of the device payment action and cooperate with the payment receiver to complete the payment step, that is, to display the code corresponding to the scan code action. The code scanning interface scans the image feature code corresponding to the payment account of the payment receiving end based on the scanning code interface, parses the image feature code, and makes payment to the payment account of the payment receiving end obtained by the analysis .

In the case where the action corresponding to the action data is the action of displaying the payment code, execute the payment interface corresponding to the action of starting the device payment and cooperate with the payment receiving end to complete the payment step, that is, the action of displaying the payment code is displayed. The corresponding display payment code interface cooperates with the payment receiving end to complete payment.

If the action corresponding to the identification of the action data is not the action of scanning the code or the action of displaying the payment code, the action corresponding to the action data is determined to be a non-payment action, and the payment application does not respond.

For example, if the action made by the user holding the mobile phone is one of the standard payment actions, when the action of the mobile phone is that the device lifts the device and aims at the object, it is determined that the action is a code scanning action, the mobile phone displays a code scanning interface, and the user scans the code. The store QR code completes the payment; when the action of the mobile phone is that the device is lifted and the screen is up, the action is determined to be the action of displaying the payment code, the device displays the payment code interface, the user displays the payment code to the store, and the store scans the user's payment. When the action of the mobile phone is neither scanning the code nor displaying the payment code, it is determined that the action of the mobile phone is a non-payment action, and the payment application does not respond.

In addition, another method may be adopted for identifying the device payment action corresponding to the action data:

Determine whether the action corresponding to the action data is the scan code action;

If yes, start the payment interface corresponding to the device payment action and cooperate with the payment receiving end to complete the payment, that is, display the code scanning interface corresponding to the code scanning action, and scan the collection of the payment receiving end based on the code scanning interface. The image feature code corresponding to the account, parse the image feature code, and make payment to the collection account of the payment receiving end obtained by the analysis;

If not, it is preferable to continue to judge whether the action corresponding to the action data is the action of displaying the payment code;

If yes, start the payment interface corresponding to the device payment action to cooperate with the payment receiver to complete the payment, that is, display the display payment code interface corresponding to the display payment code action to cooperate with the payment receiver to complete the payment.

If not, the action corresponding to the action data is preferably determined as a non-payment action, and the payment application does not respond.

For example, if the action made by the user holding the mobile phone is one of the standard payment actions, it is determined whether the action of the mobile phone is the device lifting and aiming at the object. , the user scans the QR code of the store to complete the payment; if not, it is determined whether the action of the mobile phone is that the device is lifted and the screen is up; The payment code is displayed to the store, and the store scans the user's payment code to complete the collection; if not, it is determined that the action of the mobile phone is a non-payment action, and the payment application does not respond.

Step S108: Start the payment interface corresponding to the device payment action and cooperate with the payment receiving end to complete the payment.

In practical applications, the payment process is often that the payment end scans the image feature code of the payment receiving end to make payment, or scans the image feature code of the payment end by the payment receiving end to complete the payment. Based on this idea, and in the above On the basis that the device payment action includes the action of scanning the code and the action of displaying the payment code, in the embodiment of the present application, the payment interface specifically includes:

Performing the code scanning action to scan the code scanning interface of the image feature code corresponding to the collection account of the payment receiving end during the payment process, and performing the displaying payment code action to display the corresponding payment account to the payment receiving end during the payment process The image feature code of the display payment code interface.

The image feature code described in the embodiments of the present application preferably adopts a quick feedback (Quick Response, QR) code. The advantage of using the quick feedback code is that the quick feedback code is widely used, stores a lot of information, and can be quickly parsed.

In addition, other image feature codes other than the quick feedback code, such as barcodes and color two-dimensional codes, may also be used, which are not limited in this embodiment.

The above-mentioned payment method is implemented based on the payment terminal. After the step of receiving the payment pre-start instruction in the payment area is executed, the payment terminal invokes the payment application installed thereon; correspondingly, the activation of the device payment action corresponds to The payment interface cooperates with the payment receiving end to complete the payment, including: the payment end calling the payment application and displaying the payment interface of the payment application. The advantage of using the payment terminal to realize the payment method is that it can be compatible with third-party payment applications and has stronger applicability.

The embodiment of the present application further describes the payment method provided by the present application in conjunction with the following example of payment in a store. With reference to accompanying drawing 4, the specific implementation is as follows:

Step S402, it is detected that the user enters the store.

Specifically, if the strength of the iBeacon broadcast signal sent by the store's iBeacon base station received by the mobile phone is greater than the preset signal strength threshold, it is determined that the device has entered the payment area of the store.

Step S404, the user's mobile phone receives the store identification information and payment function data information sent from the store iBeacon base station.

The store identification information is used to identify the store identity and determine the payment recipient; the payment function data includes the benchmark action type of the benchmark payment action, and the benchmark action type of the benchmark payment action is the specification of the store for the user's payment operation in the store. Determine whether the action type corresponding to the device payment action sent by the user through the mobile phone is consistent with the reference action type, to determine whether the user has payment intention, so as to standardize the device payment action sent by the user through the mobile phone to be consistent with the reference action type specified by the store.

Step S406, the payment application installed on the user's mobile phone is pre-launched.

Specifically, the payment function data makes the payment application pre-launch and automatically launch the payment interface when the user's payment intention is detected. Users have two ways to present their mobile device during payment, either by raising their phone and turning their screen to face the store to display the payment quick feedback code presented by the user, or by pointing their rear camera at the receipt quick feedback code presented by the store. The gyroscope and accelerometer can easily detect these two motion trajectories and form a predictive model, which enables the payment application to perceive the user's payment intention.

Step S408, it is detected that the user takes out the mobile phone.

The sensor in the mobile phone senses the action of the user taking out the mobile phone, and the next step will determine the payment action type of the action the user will make.

Step S410, determine whether the device payment action sent by the user through the mobile phone is the action of lifting the mobile phone and aiming at the object, and the action type corresponding to this action is one of the benchmark payment action types specified by the above-mentioned store;

If yes, execute step S412;

If not, go to step S416.

In step S412, it is determined that the user's payment intention is to scan the quick feedback code of the store, and the payment application automatically starts the "scan quick feedback code" user interface.

Step S414, the user completes the payment by scanning the quick feedback code of the store.

Step S416, determine whether the device payment action sent by the user through the mobile phone is the action of lifting the mobile phone and the screen facing up, and the action type corresponding to this action is another kind of the benchmark payment action type specified by the above-mentioned store;

If yes, execute step S418;

If not, step S422 is executed.

In step S418, it is determined that the user's payment intention is to display his own quick feedback code, and the payment application automatically starts the "display quick feedback code" user interface.

In step S420, the store completes the payment collection by scanning the user's quick feedback code.

Step S422, it is determined that the device payment action sent by the user through the mobile phone is another type of action.

In step S424, the payment application may not perform the operation.

To sum up, a payment method provided by this application enables users to save the process of opening a payment application and selecting a payment method when entering a store to consume by mobile payment. Users only need to take out their mobile phones and make Corresponding payment actions, the payment application can automatically start and display the payment interface. The present application simplifies the operation process of the user using the mobile payment method in the store, making the payment process more convenient and efficient.

An example of a payment device provided by this application is as follows:

In the above-mentioned embodiment, a payment method is provided, and correspondingly, the present application also provides a payment device, which will be described below with reference to the accompanying drawings.

Referring to FIG. 5 , it shows a schematic diagram of an embodiment of a payment device provided by this embodiment.

Since the apparatus embodiment is basically similar to the method embodiment, the description is relatively simple, and for relevant parts, please refer to the corresponding description of the method embodiment provided above. The apparatus embodiments described below are merely illustrative.

The application provides a payment device, including:

a receiving module 502, configured to receive a payment pre-start instruction in the payment area;

a collection module 504, configured to collect action data based on the payment pre-start instruction;

An identification module 506, configured to identify the device payment action corresponding to the action data;

The payment module 508 is configured to start the payment interface corresponding to the device payment action and cooperate with the payment receiver to complete the payment.

Optionally, the device payment action includes at least one of the following:

Scan code action, show payment code action;

The payment interface includes at least one of the following:

Performing the code scanning action to scan the code scanning interface of the image feature code corresponding to the collection account of the payment receiving end during the payment process, and performing the displaying payment code action to display the corresponding payment account to the payment receiving end during the payment process The image feature code of the display payment code interface.

Optionally, the identification module 506 is specifically configured to execute the payment module 508 when the action corresponding to the action data is the code scanning action.

Optionally, the payment module 508 includes:

a code scanning interface display sub-module, configured to display the code scanning interface corresponding to the code scanning action;

a code scanning submodule, configured to scan the image feature code corresponding to the payment account of the payment receiving end based on the scanning code interface;

a parsing submodule, configured to parse the image feature code;

The payment sub-module is configured to make payment to the collection account of the payment receiver obtained through analysis.

Optionally, the identification module 506 is specifically configured to execute the payment module 508 when the action corresponding to the action data is the action of displaying the payment code.

Optionally, the payment module 508 is specifically configured to display the display payment code interface corresponding to the display payment code action to cooperate with the payment receiving end to complete payment.

Optionally, the image feature code includes at least one of the following:

Quick feedback code, barcode, color QR code.

Optionally, the payment device further includes:

The payment area judging module is configured to determine that the received payment pre-start signal strength is greater than the preset signal strength threshold, and determine to enter the payment area.

The signal feedback module is configured to feed back a signal to the payment receiving end to inform that the payment receiving end has entered the payment area.

Optionally, the payment pre-start instruction carries the identification information and/or payment function data of the payment receiving end; wherein, the payment function data includes the reference action type of the reference payment action, and the reference action type of the reference payment action. Action types include: scan code action type and display payment code action type.

Optionally, the payment device further includes:

The first action type judgment module is configured to judge whether the action type corresponding to the device payment action matches the reference action type of the reference payment action specified by the payment receiving end;

If so, execute the payment module 508;

Or, the second action type judgment module is configured to judge whether the action type corresponding to the device payment action matches at least one reference action type of the reference payment action;

If so, the payment module 508 is executed.

An example of the second payment method provided by this application is as follows:

In the above-mentioned embodiment, a payment method is provided. In addition, the present application also provides a second payment method, which cooperates with the payment method provided above, and is described below with reference to the accompanying drawings.

Referring to FIG. 6 , it shows a flow chart of the second payment method provided by this embodiment.

Since the second method embodiment cooperates with the first method embodiment, the description is relatively simple, and for relevant parts, please refer to the corresponding description of the method embodiment provided above. The embodiments described below are merely illustrative.

Step S602, configure a payment pre-start instruction.

The payment method described in the above embodiment is implemented based on the payment terminal, and the payment terminal corresponds to the payee in the payment process, such as the cash register equipment of an offline store. The second payment method provided in this application is implemented based on the payment receiving end, and the payment process is completed through the mutual cooperation of the two.

The payment receiver first configures the signal transmitting unit, and pre-configures the content of the broadcast, and the broadcast has a certain range. The user only needs to ensure that the Bluetooth function of the payment terminal is turned on, and the payment application is installed, then enter the After the scope is set, the payment application is ready to be opened, and there is no need to manually open the payment application.

Preferably, the payment area is determined in the following manner:

The signal strength of the wireless signal transmitted by the signal transmitting unit configured at the payment receiving end is greater than the range of the preset signal strength threshold.

Preferably, the signal transmitting unit includes: an iBeacon base station; correspondingly, the wireless signal transmitted by the signal transmitting unit includes: an iBeacon signal broadcast by the iBeacon base station.

The iBeacon described in the embodiments of this application refers to a device based on BLE (Bluetooth Low Energy) technology, which broadcasts its identity and metadata to nearby portable electronic devices. The advantages of using iBeacon are low power consumption, large transmission distance (over 100 meters under ideal conditions), and high security and stability.

The closer the payment terminal is to the iBeacon base station, the stronger the signal strength. The farther the payment terminal is from the iBeacon base station, the weaker the signal strength will be. After a certain distance, the signal strength will attenuate to zero. For example, the signal transmitting unit, i.e. the iBeacon base station of the store, continuously broadcasts signals around, and the signal spreads around like water waves. , the signal will weaken or even disappear, and once it exceeds a certain value, the signal will disappear, which shows that the broadcasting range of iBeacon is limited.

Besides, the determination of the payment area may also adopt other communication technologies, such as Bluetooth, infrared, NFC, etc., which is not limited in this embodiment.

The payment receiving end is configured with an iBeacon base station, and sends information configured with identification information and payment function data in the broadcast area. After the payment end enters the payment area, the payment application of the payment end is awakened.

Preferably, the payment pre-start instruction carries identification information and/or payment function data; wherein, the payment function data includes a reference action type of a reference payment action, and the reference action type of the reference payment action includes a code scanning action Type and show payment code action type.

The content broadcasted by the iBeacon base station to the payment terminal includes its unique identification information and payment function data including the reference action type. The identity information is used to identify the identity of the payment recipient and determine the payment recipient. The payment function data contains two types of benchmark actions: scan code action and display payment code action. The payment terminal determines whether the user has payment intention by detecting whether the user's payment action is one of the benchmark payment action types.

Step S604, sending the payment pre-start instruction to at least one payment terminal in the payment area.

The iBeacon base station uses a broadcast communication channel to send data packets at certain time intervals, and the sent data can be acquired by the payment terminal. The data packet includes its unique identification information and reference action type. Among them, the identity information is used to identify the identity of the store and determine the payment recipient. The reference action type included in the payment function data determines whether the user has payment intention by detecting whether the user's payment action is one of the reference payment action types.

Preferably, after sending the payment pre-start instruction to at least one payment terminal in the payment area, the method further includes:

Receive the feedback signal from the payment terminal to confirm that the payment terminal has entered the payment area.

After the payment terminal receives the payment and start instructions in the payment area, it feeds back a signal to the payment receiving terminal. After receiving the feedback signal, the payment receiving terminal confirms that the payment terminal that transmitted the feedback signal has entered the payment area.

Step S606, based on the payment interface activated after the payment terminal receives the payment pre-start instruction, cooperate with the payment terminal to complete the payment.

If the payment terminal starts the scan code interface, the payment receiving terminal does not need to operate. If the payment terminal starts to display the payment code interface, scan the user's payment code with the code scanner of the cash register device of the payment receiving terminal to complete the payment.

For example, the iBeacon base station of the store is pre-configured with the broadcast content and sends data packets at certain time intervals. After the user brings the mobile phone into the broadcast range, the iBeacon base station of the store receives the feedback signal from the mobile phone, and the mobile payment application is pre-launched. The data package includes its unique identification information, which is used to determine the payment recipient; and the reference action type, which is used to detect whether the user's payment action is a reference payment action: scan code action and display payment code action. If the user scans the code, the payment application will display the scan code interface, and the cashier equipment in the store does not need to operate; if the user performs the action of displaying the payment code, the payment application will display the payment code interface, and the scan code gun of the cashier equipment in the store scans the user's The payment code is used to complete the collection; if the action made by the user is not the standard payment action, the payment application will not respond and the payment process will not be performed.

To sum up, this application provides a second payment method. By pre-configuring the signal transmitting unit and the instruction information sent by the signal transmitting unit at the payment receiving end, when the user enters the payment area of the signal transmitting unit, the The payment terminal sends the instruction information, and the payment terminal detects the user's payment intention to perform the corresponding payment operation by sending the instruction information, which simplifies the user's operation process in the payment project and optimizes the user's payment experience.

The second embodiment of the payment device provided by this application is as follows:

In the above-mentioned embodiment, a second payment method is provided. Correspondingly, the present application also provides a second payment device, which will be described below with reference to the accompanying drawings.

Referring to FIG. 7 , it shows a schematic diagram of a second embodiment of a payment device provided by the present application.

Since the apparatus embodiment is basically similar to the method embodiment, the description is relatively simple, and for relevant parts, please refer to the corresponding description of the method embodiment provided above. The apparatus embodiments described below are merely illustrative.

The present application provides a second payment device, including:

a configuration module 702, configured to configure a payment pre-start instruction;

A sending module 704, configured to send the payment pre-start instruction to at least one payment terminal in the payment area;

The payment module 706 is configured to cooperate with the payment terminal to complete payment based on the payment interface activated after the payment terminal receives the payment pre-start instruction.

Optionally, the payment area is determined in the following manner:

The signal strength of the wireless signal transmitted by the signal transmitting unit configured at the payment receiving end is greater than the range of the preset signal strength threshold.

Optionally, the second payment device further includes:

The receiving feedback module is configured to receive the signal fed back by the payment terminal, confirming that the payment terminal has entered the payment area and received the payment pre-start instruction.

Optionally, the signal transmitting unit includes: an iBeacon base station;

Correspondingly, the wireless signal transmitted by the signal transmitting unit includes the iBeacon signal broadcast by the iBeacon base station.

Optionally, the payment pre-start instruction carries identity information and/or payment function data;

The payment function data includes a reference action type of a reference payment action, and the reference action type of the reference payment action includes a scan code action type and a payment code display action type.

An example of a computing device provided by this application is as follows:

FIG. 8 is a structural block diagram illustrating a computing device 800 according to an embodiment of the present specification. Components of the computing device 800 include, but are not limited to, a memory 810 and a processor 820 . The processor 820 is connected with the memory 810 through the bus 830, and the database 850 is used for saving data.

Computing device 800 also includes access device 840 that enables computing device 800 to communicate via one or more networks 860 . Examples of such networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. Access device 840 may include one or more of any type of network interface (eg, network interface card (NIC)), wired or wireless, such as IEEE 802.11 wireless local area network (WLAN) wireless interface, World Interoperability for Microwave Access ( Wi-MAX) interface, Ethernet interface, Universal Serial Bus (USB) interface, cellular network interface, Bluetooth interface, Near Field Communication (NFC) interface, and the like.

In one embodiment of the present specification, the above-described and other components of computing device 800 not shown in FIG. 8 may also be connected to each other, such as via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 8 is only for the purpose of example, rather than limiting the scope of this specification. Those skilled in the art can add or replace other components as required.

Computing device 800 may be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (eg, tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (eg, smart phones) ), wearable computing devices (eg, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. Computing device 800 may also be a mobile or stationary server.

The present application provides a computing device, including a memory 810, a processor 820, and computer instructions stored in the memory and executable on the processor, where the processor 810 is configured to execute the payment method corresponding to FIG. 1 or FIG. 6 . step.

An example of a computer-readable storage medium provided by this application is as follows:

An embodiment of the present application further provides a computer-readable storage medium, which stores computer instructions, and when the instructions are executed by a processor, is used to execute the steps in the payment method corresponding to FIG. 1 or FIG. 6 .

The above is a schematic solution of the second computer-readable storage medium of this embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the payment method above belong to the same concept. For details that are not described in detail in the technical solution of the storage medium, please refer to the description of the technical solution of the payment method.

The computer instructions include computer program code, which may be in source code form, object code form, an executable file, some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer memory, a read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium, etc. It should be noted that the content contained in the computer-readable media may be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction, for example, in some jurisdictions, according to legislation and patent practice, the computer-readable media Electric carrier signals and telecommunication signals are not included.

It should be noted that, for the convenience of description, the foregoing method embodiments are described as a series of action combinations, but those skilled in the art should know that the present application is not limited by the described action sequence. Because in accordance with the present application, certain steps may be performed in other orders or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily all necessary for the present application.

In the above-mentioned embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference may be made to the relevant descriptions of other embodiments.

The preferred embodiments of the present application disclosed above are only provided to help illustrate the present application. Alternative embodiments are not intended to exhaust all details, nor do they limit the invention to only the described embodiments. Obviously, many modifications and variations are possible in light of the content of this specification. These embodiments are selected and described in this specification in order to better explain the principles and practical applications of the present application, so that those skilled in the art can well understand and utilize the present application. This application is to be limited only by the claims, along with their full scope and equivalents.

Claims (20)

1. a kind of method of payment characterized by comprising

Revenue and expenditure is inscribed in payment region and pays pretrigger instruction；

Based on the payment pretrigger instruction acquisition action data；

Identify the corresponding equipment payment movement of the action data；

Start the equipment payment and acts the completion payment of corresponding payment interface cooperation payment receiving end.

2. method of payment according to claim 1, which is characterized in that the equipment payment movement, including following at least one :

Barcode scanning movement shows payment code movement；

The payment interface, including at least one of following:

It executes the barcode scanning movement and carries out the corresponding characteristics of image of collecting account for scanning the payment receiving end in payment process The barcode scanning interface of code, the execution displaying payment code movement carry out showing payment account to the payment receiving end in payment process The displaying payment code interface of corresponding characteristics of image code.

3. method of payment according to claim 2, which is characterized in that described to identify the corresponding equipment branch of the action data Pay movement, comprising:

In the case where the corresponding movement of the action data is barcode scanning movement, it is dynamic to execute the starting equipment payment Making corresponding payment interface cooperates the payment receiving end to complete payment step.

4. method of payment according to claim 3, which is characterized in that the starting equipment payment acts corresponding branch It pays payment receiving end described in interface fit and completes payment, comprising:

Show that the barcode scanning acts the corresponding barcode scanning interface；

Based on the corresponding characteristics of image code of collecting account for paying receiving end described in the barcode scanning interface scanning；

Described image condition code is parsed；

The collecting account of the payment receiving end obtained to parsing is paid.

5. method of payment according to claim 2, which is characterized in that described to identify the corresponding equipment branch of the action data Pay movement, comprising:

In the case where the corresponding movement of the action data is displaying payment code movement, the starting equipment is executed Payment acts corresponding payment interface and the payment receiving end is cooperated to complete payment step.

6. method of payment according to claim 5, which is characterized in that the starting equipment payment acts corresponding branch It pays payment receiving end described in interface fit and completes payment, comprising:

Show that payment is completed in payment receiving end described in the corresponding displaying payment code interface fit of the displaying payment code movement.

7. method of payment according to claim 2, which is characterized in that described image condition code, including at least one of following:

Rapid feedback code, bar code, color 2 D code.

8. method of payment according to claim 1, which is characterized in that before the reception payment pretrigger instruction, also wrap It includes:

Received payment pre-actuation signal intensity is greater than preset signal strength threshold value, determines and enters the payment region.

9. method of payment according to claim 1, which is characterized in that described to refer in the inscribed revenue and expenditure pair pretrigger in payment region After order, further includes:

To payment receiving end feedback signal, inform that payment receiving end itself has been introduced into payment region.

10. method of payment according to claim 1, which is characterized in that the payment pretrigger instruction carries the payment The identification information and/or payment function data of receiving end；

Wherein, the reference actions type comprising benchmark payment movement in the payment function data, the benchmark payment movement Reference actions type includes:

Barcode scanning type of action and displaying payment code type of action.

11. method of payment according to claim 10, which is characterized in that described to identify the corresponding equipment of the action data After paying action step execution, and before the corresponding payment interface step execution of the starting equipment payment movement, packet It includes:

Judge that the equipment payment acts whether corresponding type of action acts with the benchmark payment as defined in payment receiving end Reference actions type match；

If so, executing the starting equipment payment acts corresponding payment interface step；

Alternatively, judging that the equipment payment acts at least one base whether corresponding type of action acts with the benchmark payment Quasi- type of action matches；

If so, executing the starting equipment payment acts corresponding payment interface step.

12. a kind of payment mechanism characterized by comprising

Receiving module is configured as that revenue and expenditure pair pretrigger instruction is inscribed in payment region；

Acquisition module is configured as based on the payment pretrigger instruction acquisition action data；

Identification module is configured as identifying the corresponding equipment payment movement of the action data；

First payment module is configured as starting the equipment payment movement corresponding payment interface cooperation payment receiving end Complete payment.

13. a kind of method of payment characterized by comprising

Configuration payment pretrigger instruction；

At least one payment terminals into the payment region send the payment pretrigger instruction；

The payment interface started after the payment pretrigger instruction is received based on the payment terminals, cooperates the payment terminals complete At payment.

14. method of payment according to claim 13, which is characterized in that the payment region determines in the following way:

The signal strength of the wireless signal of the signal transmitter unit transmitting of payment receiving end configuration is greater than preset signal strength The range of threshold value.

15. method of payment according to claim 13, which is characterized in that at least one described into the payment region Payment terminals are sent after the payment pretrigger instruction, further includes:

The signal of payment terminals feedback is received, confirmation payment terminals have been introduced into payment region.

16. method of payment according to claim 14, which is characterized in that the signal transmitter unit includes: iBeacon base It stands；

Correspondingly, the wireless signal of the signal transmitter unit transmitting, comprising: the iBeacon of the iBeacon base station broadcast believes Number.

17. method of payment according to claim 13, which is characterized in that the payment pretrigger instruction carries identity Information and/or payment function data；

Wherein, the reference actions type comprising benchmark payment movement in the payment function data, the benchmark payment movement Reference actions type includes barcode scanning type of action and displaying payment code type of action.

18. a kind of payment mechanism characterized by comprising

Configuration module is configured as configuration payment pretrigger instruction；

Sending module is configured as at least one payment terminals into the payment region and sends the payment pretrigger instruction；

Second payment module is configured as receiving the payment started after the payment pretrigger instruction based on the payment terminals Interface cooperates the payment terminals to complete payment.

19. a kind of calculating equipment characterized by comprising

Memory and processor；

The memory is for storing computer executable instructions, and the processor is for realizing claim 1 to 11 when executing Or the step of 13 to 17 any one the method.

20. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of claim 1 to 11 or 13 to 17 any one the method are realized when row.