CN110751487A

CN110751487A - Payment method, payment verification method and electronic equipment

Info

Publication number: CN110751487A
Application number: CN201910927372.1A
Authority: CN
Inventors: 陈龙
Original assignee: Vivo Mobile Communication Co Ltd
Current assignee: Vivo Mobile Communication Co Ltd
Priority date: 2019-09-27
Filing date: 2019-09-27
Publication date: 2020-02-04

Abstract

The embodiment of the invention provides a payment method, a payment verification method and electronic equipment, which are applied to the technical field of communication and are used for solving the problems that a payment code is stolen and swiped and the safety is low in the process of carrying out secret-free payment in public places. The method comprises the following steps: the first electronic equipment displays the first check code, receives first check information sent by the second electronic equipment, and updates the first check code into the payment code when the first check information is matched with preset check information.

Description

Payment method, payment verification method and electronic equipment

Technical Field

The embodiment of the invention relates to the technical field of communication, in particular to a payment method, a payment verification method and electronic equipment.

Background

With the gradual increase of hardware configuration and expansion of functions of mobile electronic devices (e.g., smart phones), the mobile electronic devices have become indispensable necessities for daily life, and a large number of users are more accustomed to mobile payment through the mobile electronic devices. For the small payment of the mobile payment, most users set the payment as the secret-free payment, and the users directly show the payment codes to the merchants to scan in the payment process to complete the payment.

However, because the user usually calls the payment code in advance to wait for payment when queuing for payment, the lawless persons can take the opportunity, and the lawless persons can easily read money by scanning the payment code of other persons.

Namely, in the process of carrying out secret-free payment in public places, the problem that the payment code is stolen and swiped and the safety is low exists.

Disclosure of Invention

The embodiment of the invention provides a payment method, a payment verification method and electronic equipment, and aims to solve the problems that a payment code is stolen and swiped and the safety is low in the process of secret-free payment in public places.

In order to solve the technical problem, the present application is implemented as follows:

in a first aspect, an embodiment of the present invention provides a payment method, which is applied to a first electronic device, and the method includes: displaying the first check code; receiving first verification information sent by second electronic equipment; and updating the first check code into the payment code when the first check information is matched with the preset check information.

Optionally, the predetermined verification information includes at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device, and the commodity information of the target commodity.

Optionally, before the displaying the first check code, the method further includes: and receiving second authentication information sent by the second electronic equipment. Wherein the predetermined verification information includes second authentication information.

Optionally, the first check code includes the first authentication information, and the matching of the first check information and predetermined check information specifically includes: the first verification information and the predetermined verification information both comprise the first authentication information.

Optionally, the predetermined verification information includes: the item amount of the target item; the updating the first check code to the payment code includes: and updating the first check code into a payment code according to the first check information, wherein the payment code comprises the commodity amount.

In a second aspect, an embodiment of the present invention further provides a payment verification method, which is applied to a second electronic device, and the method includes: scanning a first check code of first electronic equipment; acquiring first check information according to the first check code; and sending first verification information to the first electronic equipment through the near field communication function.

Optionally, the first check information includes at least one of: first authentication information of the first electronic device, second authentication information of the second electronic device, and commodity information of a target commodity.

Optionally, before the scanning the first check code of the first electronic device, the method further includes: transmitting the second authentication information to the first electronic device; wherein the predetermined verification information includes second authentication information.

Optionally, after the scanning the first check code of the first electronic device, the method further includes: the second electronic equipment obtains the first authentication information according to the first check code; sending first verification information to the first electronic device through a near field communication function, specifically including: and sending first verification information containing the first authentication information to the first electronic equipment through a near field communication function.

In a third aspect, an embodiment of the present invention further provides a first electronic device, where the first electronic device includes: the display module is used for displaying the first check code; the first receiving module is used for receiving first verification information sent by second electronic equipment; and the updating module is used for updating the first check code displayed by the display module into a payment code when the first check information received by the receiving module is matched with preset check information.

Optionally, the predetermined verification information includes at least one of: first authentication information of the first electronic device, second authentication information of the second electronic device, and commodity information of a target commodity.

Optionally, the first electronic device further includes: and the second receiving module is used for receiving second authentication information sent by the second electronic equipment. Wherein the predetermined verification information includes second authentication information.

Optionally, the first check code includes the first authentication information, and the matching of the first check information and predetermined check information specifically includes: the first verification information and the predetermined verification information both include the first authentication information.

Optionally, the predetermined verification information includes: the commodity amount of the target commodity; the update module is specifically configured to: and updating the first check code into a payment code according to the first check information received by the receiving module, wherein the payment code comprises the commodity amount.

In a fourth aspect, an embodiment of the present invention further provides a second electronic device, where the second electronic device includes: the scanning module is used for scanning a first check code of the first electronic equipment; the first acquisition module is used for acquiring first check information according to the first check code scanned by the scanning module; and the sending module is used for sending the first verification information acquired by the acquiring module to the first electronic equipment through a near field communication function.

Optionally, the sending module is further configured to send the second authentication information to the first electronic device; wherein the predetermined verification information includes second authentication information.

Optionally, the second electronic device further includes: the second obtaining module is used for obtaining the first authentication information according to the first check code; the sending module is specifically configured to send first verification information including the first authentication information to the first electronic device through a near field communication function.

In a fifth aspect, an embodiment of the present invention provides an electronic device, including a processor, a memory, and a computer program stored on the memory and executable on the processor, where the computer program, when executed by the processor, implements the steps of the payment method according to the first aspect and/or the second aspect.

In a sixth aspect, the present invention provides a computer-readable storage medium on which a computer program is stored, the computer program, when executed by a processor, implementing the steps of the payment method according to the first aspect and/or the second aspect.

In the embodiment of the invention, after the first electronic equipment displays the first check code, if the first electronic equipment receives that the first check information sent by the second electronic equipment is matched with the preset check information, the check code displayed by the first electronic equipment is updated to the payment code, and the payment is completed, so that the problem that the payment code is stolen and swiped in the process of secret-free payment of the electronic equipment in public places is avoided, and the safety of the payment code is improved.

Drawings

Fig. 1 is a schematic diagram of an architecture of a possible android operating system according to an embodiment of the present invention;

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

fig. 3 is a schematic flow chart of a payment verification method according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a first electronic device according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a second electronic device according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a hardware structure of a terminal device according to an embodiment of the present invention.

Detailed Description

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

It should be noted that "/" in this context means "or", for example, A/B may mean A or B; "and/or" herein is merely an association describing an associated object, and means that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone.

It should be noted that "a plurality" herein means two or more than two.

It should be noted that, in the embodiments of the present invention, words such as "exemplary" or "for example" are used to indicate examples, illustrations or explanations. Any embodiment or design described as "exemplary" or "e.g.," an embodiment of the present invention is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the word "exemplary" or "such as" is intended to present concepts related in a concrete fashion.

It should be noted that, for the convenience of clearly describing the technical solutions of the embodiments of the present invention, in the embodiments of the present invention, words such as "first" and "second" are used to distinguish the same items or similar items with substantially the same functions or actions, and those skilled in the art can understand that the words such as "first" and "second" do not limit the quantity and execution order. For example, the first authentication information and the second authentication information are for distinguishing different authentication information, not for describing a specific order of the authentication information.

The first electronic device and the second electronic device in the embodiment of the present invention may be terminal devices. The terminal device may be a mobile terminal device or a non-mobile terminal device. The mobile terminal device may be a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal device, a wearable device, an ultra-mobile personal computer (UMPC), a netbook or a Personal Digital Assistant (PDA), etc.; the non-mobile terminal device may be a Personal Computer (PC), a Television (TV), a teller machine, a self-service machine, or the like; the embodiments of the present invention are not particularly limited.

The second electronic device in the embodiment of the present invention may be a barcode scanning device for reading barcode or two-dimensional code information. The embodiments of the present invention do not specifically limit the types (handheld type, platform type), interfaces (e.g., Small Computer System Interface (SCSI), Enhanced Parallel Interface (EPP), Universal Serial Bus (USB) and PS/2 interfaces), types (e.g., Charge-coupled Device (CCD) type scanning, laser handheld type scanning, full angle scanning, etc.), and the like.

The first electronic device and the second electronic device in the embodiment of the present invention may be electronic devices having an operating system. The operating system may be an Android (Android) operating system, an ios operating system, or other possible operating systems, and embodiments of the present invention are not limited in particular.

The following describes a software environment applied to the payment method provided by the embodiment of the present invention, taking an android operating system as an example.

Fig. 1 is a schematic diagram of an architecture of a possible android operating system according to an embodiment of the present invention. In fig. 1, the architecture of the android operating system includes 4 layers, which are respectively: an application layer, an application framework layer, a system runtime layer, and a kernel layer (specifically, a Linux kernel layer).

The application program layer comprises various application programs (including system application programs and third-party application programs) in an android operating system.

The application framework layer is a framework of the application, and a developer can develop some applications based on the application framework layer under the condition of complying with the development principle of the framework of the application.

The system runtime layer includes libraries (also called system libraries) and android operating system runtime environments. The library mainly provides various resources required by the android operating system. The android operating system running environment is used for providing a software environment for the android operating system.

The kernel layer is an operating system layer of an android operating system and belongs to the bottommost layer of an android operating system software layer. The kernel layer provides kernel system services and hardware-related drivers for the android operating system based on the Linux kernel.

Taking an android operating system as an example, in the embodiment of the present invention, a developer may develop a software program for implementing the payment method provided in the embodiment of the present invention based on the system architecture of the android operating system shown in fig. 1, so that the payment method may operate based on the android operating system shown in fig. 1. That is, the processor or the electronic device may implement the payment method provided by the embodiment of the present invention by running the software program in the android operating system.

The following describes a payment method according to an embodiment of the present invention with reference to a flowchart of the payment method shown in fig. 2, and as shown in fig. 2, a payment method provided by an embodiment of the present invention includes steps 201 to 203:

step 201: the first electronic equipment displays the first check code.

In the embodiment of the present invention, optionally, the first check code may be a two-dimensional code and/or a barcode.

It should be noted that the first check code is not a true deductible two-dimensional code, but a two-dimensional code and/or a bar code carrying check information (e.g., an identity authentication Token (Token) of the first electronic device).

For example, when the first electronic device needs to pay, in order to ensure the security of payment, a first check code for checking is displayed on the payment interface of the first electronic device, and the real payment code is not displayed until the payment environment is secure.

Step 202: the first electronic equipment receives first verification information sent by the second electronic equipment.

For example, the first electronic device may be: an electronic device having a Near Field Communication (NFC) function by itself. For example, the first electronic device detects first verification information sent by the second electronic device through the NFC function.

It should be noted that the first verification information may be identity authentication Token (Token) information including the second electronic device.

Step 203: and the first electronic equipment updates the first check code into a payment code when the first check information is matched with preset check information.

For example, when the first verification information matches with the predetermined verification information, the first electronic device may determine that the current payment environment is safe, so as to update the first verification code displayed in the payment interface to a real payment code, thereby completing the payment.

Optionally, the first electronic device matches the received first verification information sent by the second electronic device with predetermined verification information, if the matching is successful, the first verification code is updated to the payment code, and the second electronic device completes payment by scanning the payment code; and if the matching fails, the first check code is not updated.

In an embodiment of the present invention, the payment code may be a two-dimensional code and/or a barcode.

Optionally, in an embodiment of the present invention, in a scenario that a payment environment is secure (for example, the second electronic device is a security device), the first verification information may include at least one of the following: first authentication information of the first electronic device, second authentication information of the second electronic device, and commodity information of a target commodity.

Optionally, in an embodiment of the present invention, the predetermined verification information includes at least one of: first authentication information of the first electronic device, second authentication information of the second electronic device, and commodity information of a target commodity.

In this way, the first verification information is verified by using the authentication information of the electronic equipment or the preset verification information such as the commodity information of the target commodity, which is difficult to obtain by lawless persons, so that the safety of the first electronic equipment in the payment process is improved.

For example, the first authentication information may be: the first authentication information stored in the storage device, the second authentication information, and the product information of the target product may be: the second electronic device transmits to the first electronic device through Near Field Communication (NFC).

For example, the first authentication information may be Token of the first electronic device, where the Token is used to verify identity information of the first electronic device. The second authentication information may be Token of the second electronic device, where the Token is used to verify the identity information of the second electronic device.

For example, the first check code may be used to trigger the second electronic device to obtain the first check information (for example, after the second electronic device scans the code, the second authentication information may be directly sent to the first electronic device as the first check information), or the first check information includes information included in the first check code (for example, after the second electronic device scans the code, the first check information may be obtained based on information included in the first check code (for example, the first authentication information)).

Illustratively, the commodity information of the target commodity includes at least one of: commodity name, commodity place of production, commodity date and commodity amount.

Illustratively, the matching of the first verification information and the predetermined verification information may include at least one of: the first verification information and the preset verification information both comprise first authentication information of the first electronic device, the first verification information and the preset verification information both comprise second authentication information of the second electronic device, and at least one commodity information in the first verification information is matched with at least one commodity information in the preset verification information.

Optionally, in an embodiment of the present invention, in a case that the first check code includes the first authentication information, matching the first check information with predetermined check information specifically includes: the first verification information and the predetermined verification information both include the first authentication information of the first electronic device.

For example, when the first check code includes the first authentication information, the first check information includes: and the second electronic equipment scans the first check code to obtain the first authentication information.

Illustratively, when a first electronic device performs payment, the first electronic device generates a first check code, where the check code includes the Token of the first electronic device and is displayed on a display interface of the first electronic device, and a second electronic device scans the first check code, may acquire the Token of the first electronic device by analyzing the first check code, and then generates first check information based on the acquired Token of the first electronic device, the Token of the second electronic device, commodity information, and the like, and sends the first check information to the first electronic device for checking.

Therefore, the first check code comprises the first authentication information of the first electronic device, and when the first check information fed back by the second electronic device comprises the first authentication information, the fact that the user of the first electronic device allows the second electronic device to scan the first verification code indicates that the first electronic device can determine that the second electronic device is a safety device, and therefore the safety of the first electronic device in the payment process is improved.

Optionally, in this embodiment of the present invention, before step 201, the method further includes the following step 201 a:

step 201 a: and the first electronic equipment receives second authentication information of the second electronic equipment, which is sent by the second electronic equipment.

Further optionally, the predetermined verification information includes second authentication information of the second electronic device.

For example, in the process that the first electronic device determines that the second electronic device is a secure device according to the second authentication information, after receiving the Token of the second electronic device, the first electronic device may search the database using the device information (e.g., the device number) in the Token as an index to determine whether the second electronic device is a secure device that is already registered in the database. For example, if the first electronic device retrieves the device number of the second electronic device from the database, the second electronic device may be determined as a secure device that is registered in the database, and if the device number of the second electronic device is not retrieved from the database, the second electronic device may be determined as an insecure second electronic device that is not registered in the database.

Therefore, after the first electronic device acquires the second authentication information, whether the second electronic device is a security device can be determined according to the second authentication information, and if the second electronic device is the security device, the second authentication information is used as the predetermined verification information.

Further optionally, after the step 201a, the method further includes the following step 201b 1:

step 201b 1: and if the first electronic equipment determines that the second electronic equipment is the safety equipment according to the second authentication information, the first electronic equipment updates the first check code into the target check code.

It should be noted that, if the first electronic device determines that the second electronic device is an insecure device according to the second authentication information, no processing is performed on the first check code.

For example, the first check code may be a check code obtained by performing a blurring process (e.g., a gaussian blurring process or a mosaic process) on the target check code; the target check code and the first check information include first authentication information of the first electronic device.

Exemplarily, when a first electronic device pays, a check code subjected to fuzzy processing is generated, the check code is not a true payment code capable of paying, at this time, a common acquisition device cannot correctly read information of the check code at all, when a second electronic device of a merchant approaches the first electronic device, the second electronic device sends Token of the second electronic device to the first electronic device through NFC, and the first electronic device determines whether the second electronic device is a security device according to the Token of the second electronic device; if yes, removing the fuzzy processing of the check code.

Optionally, in an embodiment of the present invention, the predetermined verification information includes: in the case of the product amount of the target product, the step 202 specifically includes the following step 202 a:

step 202 a: and the first electronic equipment updates the first check code into a payment code according to the first check information, wherein the payment code comprises the commodity amount.

Illustratively, if the first electronic device receives first verification information sent by the second electronic device and the first verification information matches with predetermined verification information, the first electronic device updates the first verification code to the payment code according to the first verification information.

The payment code comprises the commodity amount set by the merchant for the target commodity.

For example, when the amount of the commodity is included in the first verification information, the first electronic device may set amount information for the payment code based on the amount of the commodity. Therefore, after the second electronic equipment scans the payment code, only the amount equal to the amount of the commodity can be deducted, and the safety of the payment code is further ensured.

According to the payment method provided by the embodiment of the invention, after the first electronic equipment displays the first check code, if the first electronic equipment receives that the first check information sent by the second electronic equipment is matched with the preset check information, the check code displayed by the first electronic equipment is updated to the payment code, so that the payment is completed, the problem that the payment code is stolen and swiped in the process of secret-free payment of the electronic equipment in public places is avoided, and the safety of the payment code is improved.

The following describes a payment verification method according to an embodiment of the present invention with reference to a flowchart of the payment verification method shown in fig. 3, and as shown in fig. 3, the payment verification method provided in the embodiment of the present invention includes steps 301 to 303:

step 301: the second electronic device scans the first check code of the first electronic device.

For example, when the second electronic device needs to collect money from the first electronic device, the first check code displayed by the first electronic device may be scanned first, and since the first check code displayed on the interface of the first electronic device is not a real two-dimensional code capable of deducting money, the second electronic device cannot complete the collection after scanning the first check code of the first electronic device for the first time.

Step 302: and the second electronic equipment acquires the first check information according to the first check code.

For example, after scanning the first check code, the second electronic device decodes the first check code, and extracts the check information carried in the first check code, and at this time, the second electronic device may generate corresponding first check information based on the check information and send the corresponding first check information to the first electronic device, so that the first electronic device performs secure payment check.

Step 303: and the second electronic equipment sends the first verification information to the first electronic equipment through NFC.

For example, the second electronic device may be: the code scanning device of NFC is arranged in the device. For example, the second electronic device sends the first verification information to the first electronic device by approaching the first electronic device and then by the NFC function.

Exemplarily, the second electronic device sends the first verification information to the first electronic device, and if the first electronic device matches the first verification information with the predetermined verification information, the second electronic device may complete payment verification by scanning the payment code if matching is successful; and if the matching fails, the payment verification of the second electronic equipment fails.

Optionally, in this embodiment of the present invention, before the step 301, the method further includes the following step 301 a:

step 301 a: and the second electronic equipment sends the second authentication information to the first electronic equipment.

Wherein the predetermined verification information includes second authentication information.

For example, before scanning the first electronic device, the second electronic device may further inform the first electronic device that it is a secure device by sending second authentication information to the first electronic device. And after the first electronic equipment determines that the second electronic equipment is the safety equipment according to the second authentication information, the first electronic equipment can use the second authentication information as the preset verification information.

Optionally, in the embodiment of the present invention, after the step 301, the method further includes the following step 301 b:

step 301 b: and the second electronic equipment obtains first authentication information according to the first check code.

Illustratively, the second electronic device scans the first check code of the first electronic device and analyzes the first check code to obtain Token of the first electronic device.

Further, in combination with the step 302a, the step 203 includes the following steps 303 a:

step 303 a: the second electronic device sends first verification information containing the first authentication information to the first electronic device through the NFC function.

Therefore, when the second electronic device can obtain the first authentication information of the first electronic device through code scanning, it indicates that the user of the first electronic device allows the second electronic device to scan the first verification code, and at this time, if the second electronic device feeds back the first verification information including the first authentication information to the first electronic device, the first electronic device can determine that the second electronic device is a security device, thereby improving the security of the first electronic device in the payment process.

According to the payment verification method provided by the embodiment of the invention, after the first electronic equipment displays the first verification code, the second electronic equipment can scan the first verification code of the first electronic equipment and send the first verification information to the first electronic equipment through the near-field communication function, so that after the first electronic equipment receives the first verification information, when the first verification information is matched with the preset verification information, the verification code displayed by the first electronic equipment is updated to the payment code, the payment is completed, the problem that the payment code is stolen and swiped in the process of carrying out secret-free payment on public occasions by the electronic equipment is avoided, and the safety of the payment code is improved.

Fig. 4 is a schematic structural diagram of a first electronic device according to an embodiment of the present invention, and as shown in fig. 4, the first electronic device 400 includes: a display module 401, a first receiving module 402, and an updating module 403, wherein:

the display module 401 is configured to display the first check code.

The first receiving module 402 is configured to receive first verification information sent by a second electronic device.

The updating module 403 is configured to update the first verification code displayed by the display module 401 to the payment code when the first verification information received by the receiving module 402 matches with the predetermined verification information.

Optionally, the predetermined verification information includes at least one of: the first authentication information of the first electronic device 400, the second authentication information of the second electronic device, and the commodity information of the target commodity.

Optionally, as shown in fig. 4, the first electronic device 400 further includes: a second receiving module 404, wherein: a second receiving module 404, configured to receive second authentication information sent by a second electronic device, where the predetermined verification information includes the second authentication information.

Optionally, the first check code includes first authentication information of the first electronic device 400; the matching of the first verification information and the predetermined verification information specifically includes: the first verification information and the predetermined verification information both include first authentication information.

Optionally, the predetermined verification information includes: the commodity amount of the target commodity; the updating module 403 is specifically configured to: according to the first verification information received by the first receiving module 402, the first verification code displayed by the display module 401 is updated to a payment code, and the payment code includes the amount of the commodity.

It should be noted that, as shown in fig. 4, modules that are necessarily included in the first electronic device 400 are illustrated by solid line boxes, such as a display module 401; modules that may or may not be included in the first electronic device 400 are illustrated with dashed boxes, as are the second receiving module 404.

According to the first electronic device provided by the embodiment of the invention, after the first electronic device displays the first check code, if the first electronic device receives that the first check information sent by the second electronic device is matched with the preset check information, the check code displayed by the first electronic device is updated to the payment code, and payment is completed, so that the problem that the payment code is stolen and swiped in the process of secret-free payment of the electronic device in a public place is avoided, and the safety of the payment code is improved.

The first electronic device provided in the embodiment of the present invention can implement all the processes in the above method embodiments, and is not described here again to avoid repetition.

Fig. 5 is a schematic structural diagram of a second electronic device according to an embodiment of the present invention, and as shown in fig. 5, the second electronic device 500 includes: a scanning module 501, a first obtaining module 502 and a sending module 503, wherein:

the scanning module 501 is configured to scan a first check code of a first electronic device.

A first obtaining module 502, configured to obtain first check information according to the first check code scanned by the scanning module;

the sending module 503 is configured to send the first verification information obtained by the obtaining module to the first electronic device through a near field communication function.

Optionally, the first check information includes at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device 500, and the product information of the target product.

Optionally, the sending module 503 is further configured to send second authentication information to the first electronic device; wherein the predetermined verification information includes second authentication information.

Optionally, as shown in fig. 5, the second electronic device 500 further includes: a second obtaining module 504, wherein: a second obtaining module 504, configured to obtain first authentication information according to the first check code; the sending module 503 is specifically configured to send first verification information including the first authentication information to the first electronic device through a near field communication function.

It should be noted that, as shown in fig. 5, modules that are necessarily included in the second electronic device 500 are illustrated by solid line boxes, such as the scanning module 501; modules that may or may not be included in the second electronic device 500 are illustrated with dashed boxes, such as the second obtaining module 504.

According to the second electronic device provided by the embodiment of the invention, after the first electronic device displays the first check code, the second electronic device scans the first check code of the first electronic device and sends the first check information to the first electronic device through the near field communication function, so that after the first electronic device receives the first check information, when the first check information is matched with the preset check information, the check code displayed by the first electronic device is updated to the payment code, payment is completed, the problem that the payment code is stolen and swiped in the process of carrying out secret-free payment on public occasions by the electronic device is avoided, and the safety of the payment code is improved.

The second electronic device provided in the embodiment of the present invention can implement all the processes in the foregoing method embodiments, and details are not described here to avoid repetition.

Take the first electronic device and/or the second electronic device as the terminal device for example. As shown in fig. 6, fig. 6 is a schematic diagram of a hardware structure of a terminal device for implementing various embodiments of the present invention, where the terminal device 100 includes, but is not limited to: radio frequency unit 101, network module 102, audio output unit 103, input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110, and power supply 111. Those skilled in the art will appreciate that the configuration of the terminal device 100 shown in fig. 6 does not constitute a limitation of the terminal device, and that the terminal device 100 may include more or less components than those shown, or combine some components, or arrange different components. In the embodiment of the present invention, the terminal device 100 includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal device, a wearable device, a pedometer, and the like.

In a case that the terminal device 100 is a first electronic device, the display unit 106 displays a first check code, the rf unit 101 is configured to receive first check information sent by a second electronic device, and the processor 110 is configured to update the first check code to a payment code when the first check information matches with predetermined check information.

According to the terminal device provided by the embodiment of the invention, after the terminal device displays the first check code, if the terminal device receives that the first check information sent by the second electronic device is matched with the preset check information, the check code displayed by the terminal device is updated to the payment code, and payment is completed, so that the problem that the payment code is stolen and swiped in the process of secret-free payment of the terminal device in public places is avoided, and the safety of the payment code is improved.

Alternatively, the first and second electrodes may be,

in a case that the terminal device 100 is a second electronic device, the input unit 104 is configured to scan a first check code of the first electronic device; and the radio frequency unit 101 is configured to send first verification information to the first electronic device through a near field communication function.

According to the terminal device provided by the embodiment of the invention, after the first electronic device displays the first check code, the terminal device can scan the first check code of the first electronic device and send the first check information to the first electronic device through the near field communication function, so that after the first electronic device receives the first check information, when the first check information is matched with the preset check information, the check code displayed by the first electronic device is updated to the payment code, payment is completed, the problem that the payment code is stolen and swiped in the process of password-free payment of the terminal device in a public place is avoided, and the safety of the payment code is improved.

It should be understood that, in the embodiment of the present invention, the radio frequency unit 101 may be used for receiving and sending signals during a message transmission or call process, and specifically, after receiving downlink data from a base station, the downlink data is processed by the processor 110; in addition, the uplink data is transmitted to the base station. Typically, radio frequency unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 101 can also communicate with a network and other devices through a wireless communication system.

The terminal device 100 provides the user with wireless broadband internet access via the network module 102, such as helping the user send and receive e-mails, browse web pages, and access streaming media.

The audio output unit 103 may convert audio data received by the radio frequency unit 101 or the network module 102 or stored in the memory 109 into an audio signal and output as sound. Also, the audio output unit 103 may also provide audio output related to a specific function performed by the terminal device 100 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 103 includes a speaker, a buzzer, a receiver, and the like.

The input unit 104 is used to receive an audio or video signal. The input Unit 104 may include a Graphics Processing Unit (GPU) 1041 and a microphone 1042, and the Graphics processor 1041 processes image data of a still picture or video obtained by an image capturing device (e.g., a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 106. The image frames processed by the graphic processor 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the radio frequency unit 101 or the network module 102. The microphone 1042 may receive sound and may be capable of processing such sound into audio data. The processed audio data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 101 in case of a phone call mode.

The terminal device 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 1061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 1061 and/or the backlight when the terminal device 100 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the terminal device posture (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration identification related functions (such as pedometer, tapping), and the like; the sensors 105 may also include fingerprint sensors, pressure sensors, iris sensors, molecular sensors, gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc., which are not described in detail herein.

The display unit 106 is used to display information input by a user or information provided to the user. The Display unit 106 may include a Display panel 1061, and the Display panel 1061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 107 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the terminal device 100. Specifically, the user input unit 107 includes a touch panel 1071 and other input devices 1072. Touch panel 1071, also referred to as a touch screen, may collect touch operations by a user on or near the touch panel 1071 (e.g., operations by a user on or near touch panel 1071 using a finger, stylus, or any suitable object or attachment). The touch panel 1071 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 110, and receives and executes commands sent by the processor 110. In addition, the touch panel 1071 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 1071, the user input unit 107 may include other input devices 1072. Specifically, other input devices 1072 may include, but are not limited to, a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, and a joystick, which are not described in detail herein.

Further, the touch panel 1071 may be overlaid on the display panel 1061, and when the touch panel 1071 detects a touch operation thereon or nearby, the touch panel 1071 transmits the touch operation to the processor 110 to determine the type of the touch event, and then the processor 110 provides a corresponding visual output on the display panel 1061 according to the type of the touch event. Although in fig. 6, the touch panel 1071 and the display panel 1061 are two independent components to implement the input and output functions of the terminal device 100, in some embodiments, the touch panel 1071 and the display panel 1061 may be integrated to implement the input and output functions of the terminal device 100, and is not limited herein.

The interface unit 108 is an interface for connecting an external device to the terminal apparatus 100. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 108 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the terminal apparatus 100 or may be used to transmit data between the terminal apparatus 100 and the external device.

The memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 109 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 110 is a control center of the terminal device 100, connects various parts of the entire terminal device 100 by various interfaces and lines, and performs various functions of the terminal device 100 and processes data by running or executing software programs and/or modules stored in the memory 109 and calling data stored in the memory 109, thereby performing overall monitoring of the terminal device 100. Processor 110 may include one or more processing units; alternatively, the processor 110 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.

The terminal device 100 may further include a power supply 111 (such as a battery) for supplying power to each component, and optionally, the power supply 111 may be logically connected to the processor 110 through a power management system, so as to implement functions of managing charging, discharging, and power consumption through the power management system.

In addition, the terminal device 100 includes some functional modules that are not shown, and are not described in detail here.

Optionally, an embodiment of the present invention further provides a terminal device, which includes a processor, a memory, and a computer program stored in the memory and capable of running on the processor 110, where the computer program, when executed by the processor, implements each process of the above-mentioned payment method and/or payment verification method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not described here again.

The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when executed by a processor, the computer program implements each process of the above-mentioned payment method and/or payment verification method embodiment, and can achieve the same technical effect, and is not described herein again to avoid repetition. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

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

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.

While the present embodiments have been described with reference to the accompanying drawings, it is to be understood that the invention is not limited to the precise embodiments described above, which are meant to be illustrative and not restrictive, and that various changes may be made therein by those skilled in the art without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. A payment method is applied to a first electronic device, and is characterized in that the method comprises the following steps:

displaying the first check code;

receiving first verification information sent by second electronic equipment;

and updating the first check code into a payment code when the first check information is matched with preset check information.

2. The method of claim 1, wherein the predetermined verification information comprises at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device and the commodity information of the target commodity.

3. The method of claim 2, wherein prior to displaying the first verification code, the method further comprises:

receiving the second authentication information sent by the second electronic equipment;

wherein the predetermined verification information includes the second authentication information.

4. The method according to claim 2, wherein the first check code includes the first authentication information, and the matching of the first check information with predetermined check information specifically includes: the first verification information and the predetermined verification information both include the first authentication information.

5. A payment verification method is applied to a second electronic device, and is characterized by comprising the following steps:

scanning a first check code of first electronic equipment;

acquiring first check information according to the first check code;

and sending the first verification information to the first electronic equipment through a near field communication function.

6. The method of claim 5, wherein the first verification information comprises at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device and the commodity information of the target commodity.

7. The method of claim 6, wherein after scanning the first check code of the first electronic device, the method further comprises:

obtaining the first authentication information according to the first check code;

the sending of the first verification information to the first electronic device through the near field communication function specifically includes:

and sending first verification information containing the first authentication information to the first electronic equipment through a near field communication function.

8. A first electronic device, wherein the first electronic device comprises:

the display module is used for displaying the first check code;

the first receiving module is used for receiving first verification information sent by second electronic equipment;

and the updating module is used for updating the first check code displayed by the display module into a payment code when the first check information received by the receiving module is matched with preset check information.

9. The first electronic device of claim 8, wherein the predetermined verification information comprises at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device and the commodity information of the target commodity.

10. The first electronic device of claim 9, wherein the first electronic device further comprises:

the second receiving module is used for receiving the second authentication information sent by the second electronic equipment;

11. The first electronic device of claim 9, wherein the first check code includes the first authentication information, and the matching of the first check information with predetermined check information specifically includes: the first verification information and the predetermined verification information both include the first authentication information.

12. A second electronic device, characterized in that the second electronic device comprises:

the scanning module is used for scanning a first check code of the first electronic equipment;

the first acquisition module is used for acquiring first check information according to the first check code scanned by the scanning module;

and the sending module is used for sending the first verification information acquired by the acquiring module to the first electronic equipment through a near field communication function.

13. The second electronic device of claim 12, wherein the first verification information comprises at least one of: the first authentication information of the first electronic device, the second authentication information of the second electronic device and the commodity information of the target commodity.

14. The second electronic device of claim 13, further comprising:

the second obtaining module is used for obtaining the first authentication information according to the first check code;

the sending module is specifically configured to send first verification information including the first authentication information to the first electronic device through a near field communication function.

15. An electronic device comprising a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of a payment method as claimed in any one of claims 1 to 4 or a payment verification method as claimed in any one of claims 5 to 7.

16. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps of the payment method as set forth in any one of the claims 1 to 4 or the payment verification method as set forth in any one of the claims 5 to 7.