CN110880112A - Payment method, mobile terminal and storage device - Google Patents

Payment method, mobile terminal and storage device Download PDF

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Publication number
CN110880112A
CN110880112A CN201811039714.8A CN201811039714A CN110880112A CN 110880112 A CN110880112 A CN 110880112A CN 201811039714 A CN201811039714 A CN 201811039714A CN 110880112 A CN110880112 A CN 110880112A
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payment
dimensional code
information
code information
wireless signal
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张胜利
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Qiku Internet Technology Shenzhen Co Ltd
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Qiku Internet Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

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  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

The application discloses a payment method, a mobile terminal and a storage device, which are applied to the mobile terminal, wherein the payment method comprises the following steps: acquiring attribute information of a wireless signal corresponding to a target shop; acquiring two-dimensional code information associated with attribute information of the wireless signal; and responding to a payment instruction in the two-dimensional code information to pay. By means of the method, repeated scanning actions of the terminal user can be avoided, and the payment efficiency and the convenience of the payment process are improved.

Description

Payment method, mobile terminal and storage device
Technical Field
The present application relates to the field of communications technologies, and in particular, to a payment method, a mobile terminal, and a storage device.
Background
At present, the use of mobile payment is more and more common in daily life, and along with the popularization of various electronic devices and smart phones, the user has higher and higher requirements on the convenience of mobile payment in use and payment experience.
Two-dimensional code payment is a novel mobile payment scheme based on account system, and when a user uses a terminal to carry out mobile payment, the user can carry out payment by scanning the two-dimensional code of a merchant. In a general payment process, after a user opens a scanning application (such as WeChat and Paibao) to scan a two-dimensional code, merchant collection information is acquired, a password is input and payment is completed after confirmation. Generally, the two-dimension code for payment collection of some merchants is fixed, so that if a user needs to scan the two-dimension code information repeatedly every time the user goes to the same merchant for payment, the operation is troublesome, and the payment experience of the user is reduced.
Disclosure of Invention
The application provides a payment method, a mobile terminal and a storage device, which can avoid the problem that a terminal user repeatedly scans a two-dimensional code image for payment for many times, and improve the payment efficiency and the convenience of a payment process.
In order to solve the technical problem, the application adopts a technical scheme that: a payment method is provided and applied to a mobile terminal, and comprises the following steps: acquiring attribute information of a wireless signal corresponding to a target shop; acquiring two-dimensional code information associated with the attribute information of the wireless signal; and responding to a payment instruction in the two-dimension code information to pay.
In order to solve the above technical problem, another technical solution adopted by the present application is: there is provided a mobile terminal comprising a processor, a memory coupled to the processor, and a communication circuit, wherein the memory is for implementing program instructions of the incoming call processing method of any of the above.
In order to solve the above technical problem, the present application adopts another technical solution: there is provided a storage device storing a program file capable of implementing any one of the above-described methods.
The beneficial effect of this application is: the payment method, the mobile terminal and the storage device are provided, the quick payment is carried out by directly acquiring the two-dimensional code information associated with the wireless signal attribute information of the target shop, a mobile terminal user does not need to manually scan the two-dimensional code information to quickly enter a payment interface corresponding to the shop, repeated scanning actions of the terminal user can be avoided, and the payment efficiency and the convenience of the payment process are improved.
Drawings
FIG. 1 is a schematic flow chart of a first embodiment of a payment method of the present application;
FIG. 2 is a schematic flow chart of a second embodiment of the payment method of the present application;
FIG. 3 is a schematic flow chart diagram illustrating an embodiment of step S20 of the present application;
FIG. 4 is a schematic diagram illustrating a construction of a two-dimensional code pool according to an embodiment of the present application;
FIG. 5 is a schematic flow chart diagram illustrating an embodiment of step S22 of the present application;
FIG. 6 is a schematic flow chart diagram illustrating an embodiment of step S23 of the present application;
FIG. 7 is a schematic structural diagram of an embodiment of a mobile terminal according to the present application;
FIG. 8 is a schematic structural diagram of an embodiment of a memory device according to the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "first", "second" and "third" in this application are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any indication of the number of technical features indicated. Thus, a feature defined as "first," "second," or "third" may explicitly or implicitly include at least one of the feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless explicitly specifically limited otherwise. All directional indications (such as up, down, left, right, front, and rear … …) in the embodiments of the present application are only used to explain the relative positional relationship between the components, the movement, and the like in a specific posture (as shown in the drawings), and if the specific posture is changed, the directional indication is changed accordingly. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
Referring to fig. 1, fig. 1 is a schematic flow chart of a first embodiment of the payment method of the present application.
The two-dimensional Code is also called as a two-dimensional bar Code, and a common two-dimensional Code is a QR Code, which is a full-name quick response (quick response) and records data symbol information by using black and white figures distributed on a plane (in a two-dimensional direction) according to a certain rule by using a certain specific geometric figure. In daily life, a user can obtain various information by scanning the two-dimensional code and complete payment through a terminal (mobile phone end) channel provided by a bank or a third party for payment by scanning a commodity or a shop two-dimensional code. The payment method mainly realizes payment by utilizing the automatic recommendation function of the two-dimension code, and mainly comprises the following steps:
and S10, acquiring the attribute information of the wireless signal corresponding to the target shop.
Optionally, existing relatively popular short-range wireless connection technologies mainly include ZigBee, wireless local area network (Wi-Fi), Bluetooth (Bluetooth), Ultra Wide Band (Ultra Wide Band), Near Field Communication (NFC), and the like. The wireless signal in the application mainly adopts a wireless local area network to specifically introduce a payment method of the mobile terminal based on the two-dimensional code.
Wireless local area network (Wi-Fi), a technology that allows an electronic device to connect to a Wireless Local Area Network (WLAN), typically uses the 2.4G UHF or 5G SHF ISM radio frequency bands. The connection to the WLAN is typically password protected but may be open, thus allowing any device within range of the WLAN to connect. Generally speaking, almost every shop has a WIFI signal, and the two-dimensional code of the target shop is automatically identified by the user in a mode of binding the two-dimensional code information corresponding to the target shop and the attribute information of the wireless signal of the target shop, and payment is performed without manually scanning the two-dimensional code graph of the shop.
Specifically, in an application scenario of this embodiment, when a user walks into a target merchant, a mobile terminal of the user is automatically connected to WIFI of the target merchant, and when the user needs to pay, attribute information of a wireless signal corresponding to the target merchant is further obtained, where the attribute information may be one or a combination of a hardware address (MAC address), an internet protocol address (IP address), and identification code information (SSID) of the WIFI signal. Optionally, the MAC address is also called a physical address to define the address of the network device, and during the physical transmission process of the network bottom layer, the host is identified by the physical address, which must be globally unique, that is, the MAC address of the wireless signal of each different merchant is fixed and unique. Therefore, the MAC address of the wireless signal is taken as an example for detailed description in this embodiment.
Optionally, compared with the prior art in which payment two-dimensional code information is directly obtained by adopting a positioning mode, in the embodiment of the application, direct association relationship is established by adopting target shop wireless signal attribute information and target shop two-dimensional code information, so that the problem of deviation of the two-dimensional code information identified by the positioning mode can be further prevented, the payment accuracy and efficiency are improved, and the user experience is improved.
S11, two-dimensional code information associated with the attribute information of the wireless signal is acquired.
Optionally, after the attribute information, that is, the MAC address, of the wireless signal corresponding to the target store is obtained, the two-dimensional code information associated with the attribute information of the wireless signal is directly searched. It can be understood that the payment two-dimensional code information of different payment methods is different, for example, when WeChat payment and Paibao payment are performed, the two-dimensional code information is different, when a user searches for the two-dimensional code information associated with the wireless signal attribute information of a target store, the user needs to perform the payment method according to the selection of the user, that is, when the user needs to perform payment, an application interface is opened, for example, a WeChat interface or a Paibao interface is opened, and then a 'Paibao or WeChat payment interface' associated with the wireless attribute information is automatically displayed.
In another embodiment, after the attribute information of the wireless signal corresponding to the target store is acquired, the mobile terminal directly displays two-dimensional code information of different payment modes associated with the attribute information, and the user can select the payment mode by himself.
Optionally, the two-dimensional code information may include, but is not limited to, at least one of a payment two-dimensional code image corresponding to the target store, a payee name corresponding to the payment two-dimensional code image, payee position information corresponding to the payment two-dimensional code image, and the number of times the payment two-dimensional code image is scanned. The number of times that the two-dimensional code image is scanned may be the total number of times that the two-dimensional code image is scanned, that is, the number of times that the two-dimensional code image is scanned by all users in all time periods, or the total number of times that the two-dimensional code image is scanned in a preset time, where the preset time may be 1 hour, 1 day, 1 month, or the like, where no specific limitation is made, or the total number of times that the current mobile terminal user scans the two-dimensional code by himself/herself.
And S12, making payment in response to the payment instruction in the two-dimensional code information.
And after the two-dimension code information associated with the target shop wireless signal attribute information is acquired, responding to a payment instruction in the two-dimension code information to pay.
In the above embodiment, the payment is performed by directly acquiring the two-dimension code information associated with the target shop wireless signal attribute information, the mobile terminal user does not need to manually scan the two-dimension code information to quickly enter the payment interface corresponding to the shop, repeated scanning actions of the terminal user can be avoided, and the payment efficiency and the convenience of the payment process are improved.
Referring to fig. 2, fig. 2 is a schematic flow chart of a second embodiment of the payment method of the present application, this embodiment is a further extension of the first embodiment, and parts similar to the first embodiment are not described again here, and the payment method in this embodiment further includes the following steps:
and S20, pre-constructing two-dimensional code pools of different payment modes associated with wireless information of different target shops.
Optionally, when the mobile terminal user enters the target store for the first time to pay for consumption, an association relationship between the wireless information of the target store and the two-dimensional code information of payment and receipt corresponding to the wireless information of the target store needs to be established. It can be understood that the mobile terminal user can form a two-dimensional code pool by the association relationship between the attribute information of all the wireless signals of the shops consumed by the mobile terminal user and the corresponding two-dimensional code information of the payment and receipt. The two-dimension code pool can be stored in the mobile terminal, and can also be stored in a server side (cloud). In the embodiment of the application, the two-dimension code pool is stored in the server side for detailed description. Optionally, the two-dimensional code pool is stored in the mobile terminal or the server, and the difference between the two-dimensional code pool and the server is that the two-dimensional code pool is stored in the terminal, so that the two-dimensional code pool is only visible to the user of the mobile terminal, and cannot be seen by other terminal users, that is, the record of the terminal user scanning the two-dimensional code is not seen by other users, so that the privacy of the terminal user can be protected, and the payment security is improved.
If the two-dimensional code is stored in the server, the two-dimensional code pool can be shared, that is, as long as the attribute information of any wireless signal in the two-dimensional code pool is obtained, the two-dimensional code information associated with the attribute information of the wireless signal can be quickly identified, for example, a payment two-dimensional code image, a payee name and a position of the merchant and the number of times of scanning the payment two-dimensional code image are displayed, so that quick pushing of the merchant two-dimensional code can be realized, and the payment efficiency of a user is improved.
Specifically, referring to fig. 3, step S20 further includes the following sub-steps:
s201, acquiring two-dimension code information of different payment modes of a target shop.
Optionally, when the mobile terminal user enters the target store for the first time to pay for consumption, two-dimensional code information of different payment methods corresponding to the target store, such as two-dimensional code information of a pay bank and two-dimensional code information of a WeChat, may be obtained in a scanning or photographing manner. In a specific application scenario of this embodiment, if the two-dimensional code information of the target store is not stored in the two-dimensional code pool, the user needs to further confirm with the merchant after obtaining the two-dimensional code information in a scanning manner, for example, to confirm whether the name of the payee corresponding to the two-dimensional code image, the position information of the payee corresponding to the payment two-dimensional code image, and the information of the target store are consistent. If the two-dimensional code information of the target shop obtained by scanning is not shared, that is, the number of times that the two-dimensional code is scanned is 0 after scanning, in order to prevent the merchant two-dimensional code from being maliciously tampered or exchanged, the terminal user needs to further confirm with the merchant at this time, so that the payment security of the user is ensured. Certainly, in order to improve the payment security of the user, the two-dimensional code information of each target merchant may also be pre-stored in the database of the server, that is, the two-dimensional code information of different merchants has different identifiers, and the two-dimensional code information obtained after the user scans is directly matched with the two-dimensional code information stored by the server, so as to determine whether the two-dimensional code information is the two-dimensional code information of the target merchant, thereby greatly improving the security group of the user payment. Further, after confirming that the acquired two-dimensional code information is correct, step S202 is executed.
S202, correlating the two-dimension code information of different payment modes with the attribute information of the target shop wireless signal.
Further, the acquired two-dimensional code information of the target shop in different payment modes is associated with the attribute information of the wireless signal of the target shop. Specifically, similar to the wireless signal used in the first embodiment, the wireless signal in this embodiment also uses a WIFI signal, and its attribute information uses its fixed MAC address. Optionally, an association relationship is established between the MAC address of the target shop WIFI signal and two-dimensional code information of different payment methods corresponding to the MAC address. Please refer to fig. 4, fig. 4 is a schematic diagram illustrating a construction of a two-dimensional code pool according to an embodiment of the present application. As shown in fig. 4, assuming that a target shop is a, an MAC address of a WiFi signal thereof is B, the obtained WeChat payment two-dimensional code information of the target shop is a, and the Payment Pair two-dimensional code information is D, associating the WeChat payment two-dimensional code information C and Payment Pair two-dimensional code information D with the MAC address B of the WiFi signal respectively, that is, establishing a folder a and a folder B by using the MAC address B of the WiFi signal respectively. The WeChat payment two-dimensional code information C is stored in the folder a, and the Paibao payment two-dimensional code information D is stored in the folder b. Of course, if there is two-dimensional code information of other payment methods, a folder c, a folder d, and the like may also be established by using the MAC address B of the WiFi signal, and the two-dimensional code information of the payment method is respectively stored, which is not further limited herein.
And S203, adding the associated two-dimension code information of different payment modes into a payment instruction to construct a two-dimension code pool.
Further, after associating the two-dimensional codes of different payment modes corresponding to the target shop wireless signal attribute information, further adding a payment instruction into the associated two-dimensional code information, and storing the two-dimensional code information added with the payment instruction into a two-dimensional code pool. Wherein, this two-dimensional code pond can directly be preserved in mobile terminal itself, also can preserve in the high in the clouds, and the two-dimensional code pond is preserved in the high in the clouds in this embodiment.
Optionally, as can be seen in conjunction with fig. 4, two-dimensional code information associated with attribute information of wireless signals of different target shops may be included in the two-dimensional code pool. That is to say, the association relationship between the wireless signals of all shops paid by the mobile terminal user and the two-dimensional code information can be stored in the two-dimensional code pool, that is, once the user stores the association relationship, the operation of scanning the two-dimensional code image is not needed when the user enters the shop for consumption and payment next time, after the attribute information of the wireless signal of the shop is directly obtained, the mobile terminal or the cloud directly pushes the two-dimensional code information (including the name of the payee corresponding to the two-dimensional code image, the number of times the two-dimensional code image is scanned, the position information of the two-dimensional code image, and the like) corresponding to the wireless attribute information from the two-dimensional code pool, so that the user can pay.
Optionally, after the user completes payment in the manner, the mobile terminal or the cloud may further store the payment record of the time, that is, the payment record further includes the number of times of payment performed by the terminal user through the two-dimensional code information, the time and amount of each payment, and the like. The user pays once, the payment record is increased once, and the total paid times of the used user can be displayed when the payment is carried out next time. That is, the user can see the payment times of consumption of the user at the target store or the total payment times of all people who have consumed at the target store through the two-dimensional code through the scanning result. Therefore, the situation that payment errors occur due to scanning of the two-dimensional codes by mistake can be prevented.
According to the embodiment, the two-dimension code pool associated with the target shop two-dimension code information is established by adopting the fixed and unchangeable MAC address, a payment interface corresponding to a shop can be quickly and accurately obtained, repeated scanning actions of a terminal user are avoided, the payment efficiency and the payment process are improved, and the payment two-dimension code information is obtained in a mode of directly adopting positioning.
And S21, acquiring the attribute information of the wireless signal corresponding to the target shop.
S22, two-dimensional code information associated with the attribute information of the wireless signal is acquired.
Optionally, referring to fig. 5, step S22 further includes the following sub-steps:
s221, acquiring two-dimension code information of different payment modes related to attribute information of a target shop wireless signal at the current position of the mobile terminal from the two-dimension code pool.
With further reference to fig. 4, after the attribute information of the wireless signal corresponding to the target store is obtained, two-dimensional code information of different payment modes associated with the attribute information of the wireless signal is further searched from a two-dimensional code pool stored in the mobile terminal itself or a cloud. As shown in fig. 4, if the attribute information of the wireless signal corresponding to the target store a1 is B1, the folder a1 (the wechat payment two-dimensional code information C1) and the folder B1 (the pay payment two-dimensional code information D1) of the payment method corresponding to the attribute information B1 can be found according to the association relationship.
S222, selecting the two-dimension code information under the current payment mode.
Optionally, if the payment method currently adopted by the user is the wechat payment, the mobile terminal or the cloud may directly search the wechat payment two-dimensional code information C1 in the folder a1 associated with the attribute information B1, and directly display the wechat payment two-dimensional code information C1 on the display interface of the mobile terminal. Optionally, if the payment method selected by the user is the payment for the treasured payment, the mobile terminal or the cloud may directly search for the two-dimensional code information for treasured payment D1 in the folder B1 associated with the attribute information B1, and directly display the two-dimensional code information for treasured payment D1 on the display interface of the mobile terminal, which is described in detail in this embodiment by taking the wechat payment as an example.
And S223, judging whether the two-dimensional code information is replaced.
Optionally, the payment two-dimensional code may be replaced by a shop sometimes, for example, when the shop changes a store owner or changes a name of a payee, the two-dimensional code information stored in the mobile terminal or the cloud two-dimensional code pool is different from the two-dimensional code information of the replaced shop. At this time, the terminal user needs to further confirm whether the two-dimensional code information is correct with the merchant, that is, confirm the name of the payee of the two-dimensional code, the corresponding location information of the payee, and the like, so as to ensure the payment safety of the user.
If it is determined that the two-dimensional code information C1 is not replaced, step S224 is executed. If the two-dimensional code information C1 is replaced, step S225 is executed.
Optionally, in other embodiments, the dynamic two-dimensional code information generated by the name of the payment and receipt of the target merchant and the location information may also be stored in a database at the server, and the dynamic two-dimensional code information is further associated with the attribute information of the wireless signal corresponding to the target merchant. After the user obtains the two-dimensional code information of the target shop through the attribute information of the wireless signal, if the user does not perform payment operation within the preset time, the server side automatically considers that the two-dimensional code information is overdue, and then the two-dimensional code interface can be refreshed for real-time updating. According to the implementation mode, the target merchant does not need to change the two-dimension code image, the server directly generates dynamic two-dimension code information, the safety of the user payment process can be ensured, and the payment efficiency and the payment experience of the user are improved.
And S224, acquiring the two-dimensional code information associated with the attribute information in the current payment mode.
In step S224, if it is determined that the wechat payment two-dimensional code information is not replaced, the associated wechat payment two-dimensional code information C1 is directly pushed to the mobile terminal user.
And S225, updating the two-dimension code information which is associated with the attribute information of the target shop wireless signal in the two-dimension code pool.
In this embodiment, if it is determined that the two-dimensional code information associated with the attribute information corresponding to the obtained target shop wireless signal is not replaced, the mobile terminal user may further rescan the payment two-dimensional code image for payment by scanning or taking a picture, and when the payment is completed, the terminal reminds the user whether to store the two-dimensional code information, and if the user needs to store the two-dimensional code information, the association relationship between the attribute information of the target shop wireless signal and the two-dimensional code information may be reestablished by referring to the specific method in step S20 in this embodiment.
It can be understood that, in this embodiment, after the store changes the two-dimensional code pattern of the payee, the user needs to correspondingly update the two-dimensional code information associated with the MAC address of the target store in the two-dimensional code pool. That is, if the MAC address of the target store is not changed, only the two-dimensional code information in the different payment folders associated with the MAC address needs to be directly updated. Optionally, if the MAC address of the target store is also changed at this time, the two-dimensional code information associated with the attribute information of the wireless signal of the target store needs to be re-established and stored in the two-dimensional code pool. The two-dimensional code information is obtained again by scanning or photographing, the attribute information of the new wireless signal of the target store is obtained, and then the two are associated, and the association method is detailed in the above detailed description, and is not repeated here.
And S23, making payment in response to the payment instruction in the two-dimensional code information.
Optionally, with further reference to fig. 6, step S23 further includes the sub-steps of:
and S231, responding to the payment instruction to obtain the payment and receipt information corresponding to the target store.
After confirming the corresponding payment two-dimensional code information of the target shop, further responding to the payment instruction in the payment two-dimensional code information to obtain the payment and receipt information corresponding to the target shop, such as the payment and receipt amount, the shop name, the account number and the like.
And S232, verifying the payment and receipt information.
Optionally, after obtaining the payment and receipt information corresponding to the target store, the payment and receipt information needs to be further verified. The verification mode can also be that the mobile terminal user self-determines and confirms with the shop owner of the target shop. The payment and receipt information of the target store can be stored in the terminal or the cloud in advance, and at this time, the payment and receipt information corresponding to the currently acquired target store and the payment and receipt information stored in the terminal or the cloud in advance can be compared to verify the validity of the payment and receipt information of the target store.
And S233, if the payment receiving and paying information is correct, carrying out payment operation according to the payment receiving and paying information.
In step S232, if the payment receipt information of the target store is verified to be correct, the payment can be finely paid according to the payment receipt information. That is, after the mobile terminal displays the payment interface, corresponding payment operations, such as filling out a payment amount, a payment verification code or a payment fingerprint, etc., are usually input under the condition that the receipt and payment information, etc., are determined to be correct, and the mobile terminal can perform the payment operations after receiving the payment operations.
In the above embodiment, the two-dimensional code information associated with the target shop wireless signal attribute information is directly acquired for fast payment, so that a mobile terminal user does not need to manually scan the two-dimensional code information to quickly enter a payment interface corresponding to a shop, repeated scanning actions of the terminal user can be avoided, and the payment efficiency and the convenience of the payment process are improved.
Referring to fig. 7, fig. 7 is a schematic structural diagram of a mobile terminal according to an embodiment of the present application. As shown in fig. 7, the apparatus comprises a processor 11 and a memory 12 and a communication circuit 13 coupled to the processor.
The memory 12 stores program instructions for implementing the payment method of any of the above.
The processor 11, communication circuit 13 are used to execute the program instructions stored by the memory 12.
The processor 11 may also be referred to as a CPU (Central Processing Unit). The processor 11 may be an integrated circuit chip having signal processing capabilities. The processor 11 may also be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
In the above embodiment, the two-dimensional code information associated with the target shop wireless signal attribute information is directly acquired for fast payment, so that a mobile terminal user does not need to manually scan the two-dimensional code information to quickly enter a payment interface corresponding to a shop, repeated scanning actions of the terminal user can be avoided, and the payment efficiency and the convenience of the payment process are improved.
Referring to fig. 8, fig. 8 is a schematic structural diagram of an embodiment of a memory device according to the present application. The storage device of the present application stores a program file 21 capable of implementing all the methods described above, wherein the program file 21 may be stored in the storage device in the form of a software product, and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute all or part of the steps of the methods described in the embodiments of the present application. The aforementioned storage device includes: various media capable of storing program codes, such as a usb disk, a mobile hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, or terminal devices, such as a computer, a server, a mobile phone, and a tablet.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit is merely a logical division, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
In summary, those skilled in the art will readily understand that a payment method, a mobile terminal, and a storage device are provided, which are used for performing fast payment by directly obtaining two-dimensional code information associated with wireless signal attribute information of a target store, and a mobile terminal user does not need to manually scan the two-dimensional code information to quickly enter a payment interface corresponding to the store, and can also avoid repeated scanning actions of the terminal user, thereby improving payment efficiency and convenience of a payment process.
The above description is only for the purpose of illustrating embodiments of the present application and is not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the specification and the drawings of the present application or are directly or indirectly applied to other related technical fields, are also included in the scope of the present application.

Claims (10)

1. A payment method is applied to a mobile terminal, and is characterized in that the payment method comprises the following steps:
acquiring attribute information of a wireless signal corresponding to a target shop;
acquiring two-dimensional code information associated with the attribute information of the wireless signal;
and responding to a payment instruction in the two-dimension code information to pay.
2. The payment method of claim 1, wherein obtaining attribute information of the wireless signal corresponding to the target store comprises:
and pre-constructing two-dimensional code pools of different payment modes associated with the attribute information of different target shop wireless signals.
3. The payment method of claim 2, wherein the pre-established pool of two-dimensional codes for different payment methods associated with attribute information of different target shops wireless signals comprises:
acquiring two-dimensional code information of the target shop in different payment modes;
associating the two-dimension code information of different payment modes with the attribute information of the target shop wireless signal;
and adding the payment instruction into the associated two-dimension code information of different payment modes to construct the two-dimension code pool.
4. The payment method according to claim 3, wherein the obtaining of the two-dimensional code information of the target store in different payment modes is performed by taking a picture or scanning.
5. The payment method according to claim 2, wherein the acquiring two-dimensional code information associated with the attribute information of the wireless signal comprises:
acquiring two-dimension code information of different payment modes related to attribute information of the target shop wireless signal at the current position of the mobile terminal from the two-dimension code pool;
selecting the two-dimension code information in the current payment mode;
judging whether the two-dimension code information is replaced or not;
if the two-dimension code information is judged to be the attribute information of the target shop wireless signal, updating the two-dimension code information which is associated with the attribute information of the target shop wireless signal in the two-dimension code pool;
if not, acquiring the two-dimension code information associated with the attribute information in the current payment mode.
6. The payment method of claim 1, wherein the making of the payment in response to the payment instruction in the two-dimensional code information comprises:
responding to the payment instruction to obtain payment and receipt information corresponding to the target store;
verifying the receipt and payment information;
and if the payment receiving and paying information is correct, carrying out payment operation according to the payment receiving and paying information.
7. The payment method as claimed in any one of claims 1 to 6, wherein the attribute information of the wireless signal comprises at least one of a hardware address, an internet protocol address and identification code information of the wireless signal.
8. The payment method of any one of claims 1-6, wherein the two-dimensional code information comprises a payment two-dimensional code image, a name of a payee corresponding to the payment two-dimensional code image, location information of the payee corresponding to the payment two-dimensional code image, and a number of times the payment two-dimensional code image is scanned.
9. A mobile terminal comprising a processor, a memory coupled to the processor, and communication circuitry, wherein,
the memory stores program instructions for implementing an incoming call processing method according to any one of claims 1 to 8;
the processor, the communication circuitry to execute the program instructions stored by the memory.
10. A storage device in which a program file capable of implementing the method according to any one of claims 1 to 8 is stored.
CN201811039714.8A 2018-09-06 2018-09-06 Payment method, mobile terminal and storage device Withdrawn CN110880112A (en)

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Application publication date: 20200313