CN111047328A

CN111047328A - Mobile payment method, device, system and storage medium

Info

Publication number: CN111047328A
Application number: CN201911295208.XA
Authority: CN
Inventors: 郭润增; 王少鸣; 郑尚镇; 黄家宇; 邵帅
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-12-16
Filing date: 2019-12-16
Publication date: 2020-04-21
Anticipated expiration: 2039-12-16
Also published as: CN111047328B

Abstract

The application discloses a mobile payment method, a device, a system and a storage medium, belonging to the technical field of communication. The payment equipment can directly acquire the payment code and the member code of the user based on the acquired biological characteristic information of the user, and can send the payment code and the member code to the cash registering equipment in response to a code transmitting instruction, so that the cash registering equipment can adjust account resources of a member account indicated by the member code based on the member code, and perform payment operation on the payment account indicated by the payment code based on the payment code. The mobile payment method is high in payment efficiency and rich in functions.

Description

Mobile payment method, device, system and storage medium

Technical Field

The present disclosure relates to the field of communications technologies, and in particular, to a mobile payment method, apparatus, system, and storage medium.

Background

Mobile payment is a payment method without using cash, bank cards or checks and the like, and is widely applied to various payment scenes due to the advantages of convenience, high efficiency, reliability and the like.

In the related art, the mobile payment system may include a cash register device, which may be a Point Of Sale (POS), and a code scanning device. When the user demonstrates the payment code, sweep a yard equipment and can be through scanning this payment code in order to send this payment code to receive silver-colored equipment, receive silver-colored equipment and can deduct the operation of making money to the payment account number that this payment code belongs to based on the payment code that receives, realize mobile payment.

The mobile payment method in the related art has low payment efficiency.

Disclosure of Invention

The embodiment of the disclosure provides a mobile payment method, a device, a system and a storage medium, which can solve the problem of low payment efficiency in the related art. The technical scheme is as follows:

in one aspect, a mobile payment method is provided, which is applied to a payment device, and the method includes:

collecting biometric information of the user in response to the received payment instruction;

acquiring a payment code and a member code of the user based on the biometric information;

responding to a code transmitting instruction, sending the member code and the payment code to a cash register device, wherein the member code and the payment code are used for indicating the cash register device to adjust account resources of a member account indicated by the member code, and executing payment operation based on a payment account indicated by the payment code.

In another aspect, there is provided a mobile payment apparatus, the apparatus comprising:

the collection module is used for responding to the received payment instruction and collecting the biological characteristic information of the user;

the acquisition module is used for acquiring a payment code and a member code of the user based on the biological characteristic information;

the sending module is used for responding to a code transmission instruction, sending the member code and the payment code to a cash register device, wherein the member code and the payment code are used for indicating the cash register device to adjust account resources of a member account indicated by the member code, and executing payment operation based on a payment account indicated by the payment code.

Optionally, the code transmission instruction includes: a first code transmission instruction and a second code transmission instruction; the sending module is configured to: in response to the first code transfer instruction, sending the member code to a cash register device; and responding to the second code transmission instruction, and sending the payment code to a cash register device.

Optionally, the payment device includes: the first display screen and the second display screen are arranged oppositely; a biological characteristic information acquisition assembly is arranged on the side of the first display screen, and a code transmission control and a money collection control are displayed in the second display screen;

the acquisition module is used for: collecting the biological characteristic information of the user through the biological characteristic information collecting component;

the device further comprises:

the first generation module is used for responding to touch operation of the code transmission control to generate a first code transmission instruction before the member code and the payment code are sent to a cash register in response to the code transmission instruction;

and the second generation module is used for responding to the touch operation aiming at the collection control to generate the second code transmission instruction.

Optionally, the apparatus further comprises:

the receiving module is used for receiving a code transmitting instruction sent by the cash register device before responding to the code transmitting instruction and sending the member code and the payment code to the cash register device, wherein the code transmitting instruction is an instruction generated by the cash register device in response to a touch operation of a code transmitting control arranged on the cash register device.

Optionally, the acquisition module is configured to:

determining identity information of the user based on the biometric information;

determining a payment account and a member account of the user according to the identity information;

and generating a payment code according to the payment account, and generating a member code according to the member account.

Optionally, the biometric information includes: face information, fingerprint information, iris information, or voiceprint information.

In yet another aspect, a mobile payment system is provided, the system comprising a payment device and a cash register device, the payment device comprising the mobile payment apparatus according to the above aspect, and the payment device and the cash register device establishing a communication connection.

In another aspect, a terminal is provided, where the terminal includes: a processor and a memory having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by the processor to implement a mobile payment method as described in the above aspect.

In yet another aspect, there is provided a computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by the processor to implement the mobile payment method as described in the above aspect.

The beneficial effects brought by the technical scheme provided by the embodiment of the disclosure at least can include:

in summary, the embodiments of the present disclosure provide a mobile payment method, device, system and storage medium. Because the payment equipment can directly acquire the payment code and the member code of the user based on the acquired biological characteristic information of the user, and can respond to the code transmission instruction to send the payment code and the member code to the cash register equipment, the cash register equipment adjusts account resources of the member account indicated by the member code based on the member code, and executes payment operation on the payment account indicated by the payment code based on the payment code. Therefore, the mobile payment method is high in payment efficiency and rich in functions.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present disclosure, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

Fig. 1 is a schematic diagram of an implementation environment involved in a mobile payment method provided by an embodiment of the present disclosure;

FIG. 2 is a flow chart of a method for mobile payment provided by an embodiment of the present disclosure;

fig. 3 is a schematic interface diagram of a payment device provided in an embodiment of the present disclosure;

FIG. 4 is a schematic interface diagram of another payment device provided by embodiments of the present disclosure;

FIG. 5 is a flow chart of another method for mobile payment provided by embodiments of the present disclosure;

FIG. 6 is a flow chart of a method for obtaining a payment code and a membership code according to an embodiment of the present disclosure;

FIG. 7 is a flow chart of yet another method for mobile payment provided by embodiments of the present disclosure;

fig. 8 is a block diagram of a mobile payment device provided by an embodiment of the present disclosure;

fig. 9 is a block diagram of another mobile payment device provided by embodiments of the present disclosure;

fig. 10 is a block diagram of yet another mobile payment device provided by an embodiment of the present disclosure;

fig. 11 is a schematic structural diagram of a terminal according to an embodiment of the present disclosure.

Detailed Description

To make the objects, technical solutions and advantages of the present disclosure more apparent, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of an implementation environment involved in a mobile payment method provided by an embodiment of the present disclosure. As shown in FIG. 1, the implementation environment may include: a payment device 110, and a cash register device 120 connected to the payment device 110. For example, referring to fig. 1, the payment device 110 may establish a communication connection with the cash register device 120 through a wired or wireless network.

Optionally, the payment device 110 may be a terminal device facing a consumer and/or a cashier, and the implementation environment may further include a payment device server that provides services for the payment device 110. The cashier device 120 may be a cashier-oriented terminal device, and the implementation environment may further include a cashier device server that serves the cashier device 120, for example, the cashier device may be a POS machine, and the cashier device server may be a backend server of a merchant. It should be noted that the payment device server and the cash register device server may be one server, or may be a server cluster composed of several servers, or may be one cloud computing service center.

In the embodiment of the present disclosure, the payment device 110 may directly obtain the payment code and the member code of the user by collecting the biometric information of the user, and send the obtained payment code and the member code to the cash register device 120 through a communication connection with the cash register device 120. The cash register device 120 may perform mobile payment related operations based on the acquired payment code and membership code. The mobile payment method has high payment efficiency.

It should be noted that, since the payment device 110 mentioned above sends the member code and the payment code to the cash register device 120 respectively, that is, the cash register device 120 performs member identification based on the member code and performs payment operation based on the payment code, the scene member may also be referred to as a non-two-code-in-one member scene. Of course, the mobile payment method provided by the embodiment of the present disclosure may also be applied to a two-code-in-one member scenario, in which the payment device 110 only needs to send the payment code to the cash register device 120, and the cash register device 120 may directly check the member code based on the payment code. The following embodiments of the present disclosure take mobile payment in a non-two-code-in-one member scenario as an example.

Fig. 2 is a flowchart of a mobile payment method provided by an embodiment of the present disclosure, which may be applied to the payment device 110 shown in fig. 1. As shown in fig. 2, the method may include:

step 201, in response to the received payment instruction, collecting the biometric information of the user.

Optionally, a payment option may be provided on the payment device or the cash register device, and when the payment option is triggered, the payment device may receive the payment instruction. The payment device may then collect biometric information (e.g., facial information) of the user in response to the payment instruction.

Step 202, obtaining the payment code and the member code of the user based on the biological characteristic information.

After the payment device collects the biological characteristic information, the identity information of the user can be determined based on the biological characteristic information, and a payment code for uniquely indicating the payment account of the user and a member code for uniquely indicating the member account of the user are obtained based on the determined identity information.

Step 203, responding to the code transmission instruction, and sending the member code and the payment code to the cash register device.

Optionally, the payment device or the cashier device may further be provided with a code transmission related control, and when the code transmission related control is triggered, the payment device may acquire the code transmission instruction. Then, the payment device may transmit the acquired payment code and the member code of the user to the cash register device in response to the code transmission instruction. The member code and the payment code can be used for instructing the cashier device to adjust account resources of the member account indicated by the member code and executing payment operation based on the payment account indicated by the payment code.

In summary, the embodiment of the present disclosure provides a mobile payment method. Because the payment equipment can directly acquire the payment code and the member code of the user based on the acquired biological characteristic information of the user, and can respond to the code transmission instruction to send the payment code and the member code to the cash register equipment, the cash register equipment adjusts account resources of the member account indicated by the member code based on the member code, and executes payment operation on the payment account indicated by the payment code based on the payment code. Therefore, the mobile payment method has high payment efficiency and rich functions.

Optionally, in the embodiment of the present disclosure, the payment device 110 may include a first display screen and a second display screen that are oppositely disposed. Therein, fig. 3 shows a first display screen a1 (which may also be referred to as a front screen) of the payment device 110, and fig. 4 shows a second display screen a2 (which may also be referred to as a back screen) of the payment device 110.

As shown in fig. 3, the first display screen a1 may be provided with a biometric information collection assembly J1. For example, referring to fig. 3, which shows a non-display area on the side of the first display screen a1, a biometric information collection assembly J1 including a plurality of cameras is disposed, and accordingly, the payment device 110 may also be referred to as a dual-screen face terminal device. Optionally, the biometric information component J1 can also be other capture components (e.g., a fingerprint capture component). The payment device 110 may also be a full-screen device and, accordingly, the biometric information collection component J1 may be located in the first display screen a 1. In addition, referring to fig. 3, the side where the first display screen a1 is located may also include the name of the payment client "XX payments" supported by the payment device 110. Optionally, the payment device 110 may support a variety of payment clients.

As shown in fig. 4, a code-passing control, a money-collecting control, and a cancel control may be displayed in the second display screen a2, that is, the code-passing control, the money-collecting control, and the cancel control may all be virtual buttons. Of course, these controls may also be all physical buttons disposed in the non-display area on the side of the second display screen a 2.

It is noted that in the disclosed embodiment, the first display a1 of the payment device 110 may face the user (i.e., the customer) and the second display a2 of the payment device 110 may face the cashier. Even if the cashier operates on the second display screen a2, and facilitates the operation on the first display screen a1 or the collection of information related to the customer by the first display screen a 1. Because the cashier is more familiar with the payment operation process than the customer, the payment equipment can send the member code and the payment code to the cashier equipment at the correct time by matching with the cashier through the structure and the setting mode, and the payment efficiency is improved. In addition, with reference to fig. 3 and 4, the second display screen a2 may display the monitoring result of the first display screen a1, that is, the same content as that displayed by the first display screen a 1.

As an alternative implementation manner, the payment device 110 shown in fig. 3 and fig. 4 is taken as an example, and the code transmission instruction includes a first code transmission instruction and a second code transmission instruction, which describe the mobile payment method provided by the embodiment of the present disclosure. Fig. 5 is a flowchart of another mobile payment method provided by the embodiment of the present disclosure, which may be applied to the payment device 110 shown in fig. 1. As shown in fig. 5, the method may include:

step 501, collecting the biometric information of the user in response to the received payment instruction.

Optionally, the payment device 110 or the cash register device 120 may include a payment option, and when the user needs to pay, the user or the cash register may click the payment option, and accordingly, the payment device 110 may receive the payment instruction. At this time, the payment apparatus 110 may activate the biometric information collecting component J1 provided thereon in response to the payment instruction, and collect the biometric information of the user through the biometric information collecting component J1. And after the biometric information of the user is collected, the payment device may turn off the biometric information collection component J1 in order to avoid power consumption saving due to repeated collection.

Optionally, the biometric information may include: at least one of face information, fingerprint information, iris information, and voiceprint information. That is, the biometric information collection assembly J1 may include: at least one of a face information acquisition component (such as a camera shown in fig. 3), a fingerprint information acquisition component, an iris information acquisition component and a voiceprint information acquisition component.

For example, assuming that the biometric information collection component J1 disposed on the side of the first display screen a1 of the payment device 110 is a camera as shown in fig. 3, when receiving a payment instruction, the payment device 110 may activate the camera disposed thereon in response to the payment instruction and collect face information through the camera. This process may also be referred to as face recognition. In addition, referring to fig. 3, text messages of a rephotograph option, a cancel option "x" and "please wait for the cashier to initiate the cash collection" may also be displayed on the first display screen a 1.

Optionally, the payment option may be a physical button or a virtual control disposed on the side of the first display screen a1, and correspondingly, the payment instruction may be an instruction generated based on a triggering operation of the user for the payment option. Alternatively, the payment option may be a physical button or a virtual control provided on the second display screen a2 or the cash register device 120, and accordingly, the payment instruction may be an instruction generated based on a triggering operation of the cashier for the payment option. Of course, the disclosed embodiments do not limit whether the payment instruction is generated based on the trigger operation of the user or the cashier, and are merely illustrative.

Step 502, obtaining the payment code and the member code of the user based on the biological characteristic information.

In the embodiment of the present disclosure, after the payment device acquires the biometric information of the user, the payment code and the member code of the user may be acquired based on the biometric information. Optionally, fig. 6 is a flowchart of a method for acquiring a payment code and a membership code according to an embodiment of the present disclosure. As shown in fig. 6, the method may include:

step 5021, identity information of the user is determined based on the biological characteristic information.

Optionally, after the payment device collects the biometric information of the user, the payment device may send the biometric information to a server (such as a server to which a public security organization belongs) in which the correspondence between the biometric information and the user identity information is stored in advance. Then, the server may identify a user corresponding to the biometric information from the pre-stored correspondence based on the received biometric information, and transmit the identity information of the user to the payment apparatus. I.e. the payment device may receive the identity information of the user sent by the server.

Step 5022, determining the payment account and the member account of the user according to the identity information.

In the embodiment of the present disclosure, when the user registers the payment account and the member account, real-name authentication is required. For example, when the user registers a member account with the AA merchant, identity information (e.g., a real name) for uniquely identifying the user's identity may be sent to the backend server of the AA merchant, so that the backend server of the AA merchant generates a member account only belonging to the user for the user based on the identity information of the user. Similarly, when the user binds the payment account on the XX payment client, the identity information for uniquely identifying the identity of the user can be sent to the background server of the XX payment client, so that the background server of the XX payment client can uniquely bind the payment account based on the identity information of the user.

Accordingly, after determining the identity information of the user, the payment device may send the identity information of the user to a backend server (such as the aforementioned backend server of the AA merchant) storing a corresponding relationship between a member account and the identity information, where the backend server may search, based on the received identity information, a member account of the user to which the identity information belongs in a pre-stored corresponding relationship and send the member account to the payment device, that is, the payment device may receive the member account sent by the server. Of course, if the user to which the identity information belongs does not register a member account, the payment device cannot receive the member account of the user.

Similarly, after determining the identity information of the user, the payment device may send the identity information of the user to a background server (such as the background server of the XX payment client mentioned above) storing a corresponding relationship between the payment account and the identity information, where the background server may search, based on the received identity information, a payment account of the user to which the identity information belongs in a pre-stored corresponding relationship and send the searched payment account to the payment device, that is, the payment device may receive the payment account sent by the server.

For example, referring to fig. 3 and 4, the first display screen a1 and the second display screen a2 of the payment device 110 may each have a certain member account number (which may also be referred to as a member card) displayed thereon. The information of the membership card includes: the membership card name "AA member" (i.e., a member registered with the AA merchant), the credit "200", the balance "0", and the like. Of course, the information of the membership card is not limited to include the information shown in fig. 3 and 4.

Step 5023, generating a payment code according to the payment account and generating a member code according to the member account.

After obtaining the payment account and the member account, the payment device may generate a member code (e.g., a two-dimensional code) for uniquely indicating the member account based on the member account, and may generate a payment code for uniquely indicating the payment account based on the payment account. Alternatively, the payment code and the membership code may be updated each time face recognition is performed, i.e. the payment code and the membership code may be one-time.

It should be noted that, referring to fig. 3, the side of the first display a1 of the payment device 110 may be further provided with a scanning window K1, and accordingly, the payment device 110 may directly obtain the payment code and/or the member code scanned through the scanning window K1. For example, when the user checks out, he or she may directly align his or her payment code and/or member code with the scanning window K1, and the scanning window K1 may scan the payment code and/or member code, so that the payment device 110 directly obtains the payment code and/or member code based on the scanning result.

Step 503, responding to the touch operation for the code transferring control, and generating a first code transferring instruction.

In the embodiment of the present disclosure, with reference to fig. 4, when a member code needs to be sent to the cash register device, the cash register may click the code transferring control in the second display screen a2, and accordingly, the payment device 110 may generate the first code transferring instruction in response to the touch operation for the code transferring control. Of course, the touch operation for the code transmission control may also be directly performed by the user, which is not limited in this disclosure.

And 504, responding to the touch operation aiming at the money collecting control, and generating a second code transmitting instruction.

Similarly, referring to fig. 4, when a payment code needs to be sent to the cash register device, the cash register may click the cash register control in the second display screen a2, and accordingly, the payment device 110 may generate a second code transmission instruction in response to the touch operation on the cash register control. Of course, the touch operation for the money collection control may also be directly performed by the user, which is not limited in this disclosure.

Step 505, in response to the first code transmission instruction, a member code is transmitted to the cashier device.

For example, the payment device may transmit the member code to the cash register device via a communication connection with the cash register device in response to the first code transmission instruction after generating the first code transmission instruction. Also, referring to fig. 5, the cashier device 120 may perform a "member marketing" operation based on the received member code.

Step 506, in response to the second code transmission instruction, sending a payment code to the cash register device.

For example, the payment device may send the payment code to the cash register device over a communication connection with the cash register device in response to the second code-transfer instruction after generating the second code-transfer instruction. Also, referring to fig. 5, the cash register device 120 may perform a "deduction" operation based on the received payment code.

That is, the member code and the payment code may be used to instruct the cashier device to adjust account resources of the member account indicated by the member code, and to perform payment operation based on the payment account indicated by the payment code. For example, after acquiring the member code and the payment code, the cashier device may determine a preferential condition of the member account indicated by the member code (i.e., perform a member preferential confirmation operation), and deduct a payment account according to the preferential condition, and finally, the cashier device may adjust a member point of the member account according to the deduct amount.

It should be noted that, since the payment operation performed by the cash register device based on the payment code is generally performed after determining the membership rights based on the membership code, in conjunction with fig. 5, the payment device 110 may perform the above steps 503 and 505, and then perform the steps 504 and 506. That is, the payment device may be controlled to send the member code to the cash register device, and then the payment device may be controlled to send the payment code to the cash register device.

Through responding to different code transmission instructions, the member codes and the payment codes are respectively sent to the cash register device, so that the cash register device can execute mobile payment related operations according to a normal flow based on the member codes and the payment codes, namely, the cash register time sequence of the payment device and the cash register device is normally matched, and the payment efficiency is further ensured. In addition, the mobile payment method only sends information to the cash register device through the payment device, so that the payment device only needs to be modified in hardware and/or software, and the cost is low.

Optionally, only one code transmission control may be set on the payment device, and correspondingly, when the touch operation for the code transmission control is received, the payment device may only receive one code transmission instruction, and then the payment device may send the acquired payment code and the member code to the cash register device in response to the one code transmission instruction.

It should be noted that the sequence of the steps of the mobile payment method provided by the embodiment of the present disclosure may be appropriately adjusted, for example, steps 504 and 506 may be performed first, and then steps 503 and 505 may be performed. Any method that can be easily conceived by those skilled in the art within the technical scope of the present disclosure is covered by the protection scope of the present disclosure, and thus, the detailed description thereof is omitted.

As another alternative implementation manner, fig. 7 is a flowchart of another mobile payment method provided by the embodiment of the present disclosure, and the method may be applied to the payment device 110 provided in the implementation environment shown in fig. 1. As shown in fig. 7, the method may include:

step 701, collecting biometric information of a user in response to a received payment instruction.

For a specific implementation of this step, reference may be made to step 501 described above, which is not described herein again.

Step 702, the payment code and the member code of the user are obtained based on the biometric information.

For a specific implementation of this step, reference may be made to step 502 described above, which is not described herein again.

And step 703, receiving a code transmission instruction sent by the cash register device.

The code transmission instruction can be an instruction generated by the cash register device in response to a touch operation of a code transmission control part arranged on the cash register device. That is, the cash register device may be modified such that two-way communication between the cash register device and the payment device may be achieved. Optionally, the cash register device may be provided with a code transmission control, and when the cashier clicks the code transmission control, the cash register device may generate a code transmission instruction and send the code transmission instruction to the payment device.

For example, the code transmission control set on the cash register device may also include two types of code transmission controls and a cash register control shown in fig. 4, and when the cashier clicks the code transmission control, the cash register device may generate a first code transmission instruction based on the touch operation and send the first code transmission instruction to the payment device; when the cashier clicks the cash register control, the cash register device may generate a second code transmission instruction based on the touch operation and send the second code transmission instruction to the payment device. Of course, the code transmission instruction is not limited to be generated based on the touch operation of the cashier. Because the cashier device is generally a terminal device facing the cashier and the cashier is more familiar with the payment process than the customer, the code transmission instruction sent by the cashier device is generally generated by the cashier through triggering, and the payment efficiency is further ensured.

Step 704, in response to the code transmission instruction, the member code and the payment code are sent to the cash register device.

Optionally, the step may refer to the

above steps

505 and 506, which are not described herein again. Of course, if the payment device receives only one code-passing instruction sent by the cash register device, the payment device may send the member code and the payment code to the cash register device directly and simultaneously in response to the code-passing instruction.

It should be noted that, in the mobile payment method shown in fig. 7, the payment device directly receives the code transmission instruction sent by the cash register device, so that the payment device may only include the first display screen, which is not limited to this.

Fig. 8 is a block diagram of a mobile payment apparatus provided in an embodiment of the present disclosure, where the apparatus may be the payment device 110 in the implementation environment described in fig. 1, or the apparatus may also be disposed on the payment device 110. As shown in fig. 8, the apparatus 80 may include:

and an acquisition module 801, configured to acquire biometric information of the user in response to the received payment instruction.

An obtaining module 802, configured to obtain a payment code and a membership code of a user based on the biometric information.

A sending module 803, configured to send the member code and the payment code to the cash register device in response to the code transmission instruction.

The member code and the payment code can be used for instructing the cashier device to adjust account resources of the member account indicated by the member code, and executing payment operation based on the payment account indicated by the payment code.

Optionally, the code transmission instruction may include: a first pass instruction and a second pass instruction. Accordingly, the sending module 803 may be configured to: in response to the first code transmission instruction, sending a member code to the cash register device; and sending the payment code to the cash register device in response to the second code transmission instruction.

Optionally, the payment device may include: the first display screen and the second display screen are arranged oppositely. The side of the first display screen can be provided with a biological characteristic information acquisition assembly, and a code transmission control and a money collection control can be displayed in the second display screen.

Accordingly, the acquisition module 801 may be configured to: and collecting the biological characteristic information of the user through a biological characteristic information collecting component.

As an alternative implementation manner, fig. 9 is a block diagram of another mobile payment apparatus provided in the embodiment of the present disclosure. As shown in fig. 9, the apparatus 80 may further include:

the first generating module 804 is configured to generate a first code transmission instruction in response to a touch operation on the code transmission control before sending the member code and the payment code to the cash register device in response to the code transmission instruction.

The second generating module 805 is configured to generate a second code transmitting instruction in response to a touch operation for the collection control.

As another alternative implementation manner, fig. 10 is a block diagram of another mobile payment apparatus provided in the embodiment of the present disclosure. As shown in fig. 10, the apparatus 80 may further include:

the receiving module 806 is configured to receive a code transmission instruction sent by the cash register device before sending the member code and the payment code to the cash register device in response to the code transmission instruction. The code transmission instruction can be an instruction generated by the cash register device in response to a touch operation of a code transmission control part arranged on the cash register device.

Optionally, the obtaining module 802 may be configured to: the method comprises the steps of determining identity information of a user based on the biological characteristic information, determining a payment account and a member account of the user according to the identity information, generating a payment code according to the payment account, and generating a member code according to the member account.

Optionally, the biometric information may include: face information, fingerprint information, iris information, or voiceprint information.

In summary, the disclosed embodiments provide a mobile payment device. Because the device can directly acquire the payment code and the member code of the user based on the acquired biological characteristic information of the user, and can respond to the code transmission instruction to send the payment code and the member code to the cash register device, the cash register device adjusts account resources of the member account indicated by the member code based on the member code, and executes payment operation on the payment account indicated by the payment code based on the payment code. Therefore, the mobile payment device is high in payment efficiency and rich in functions when used for payment operation.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

Optionally, the embodiment of the present disclosure further provides a mobile payment system. As shown in fig. 1, the mobile payment system may include: a payment device 110 and a cash register device 120.

The payment device 110 may include a mobile payment apparatus as shown in any one of fig. 8 to 10, and a communication connection may be established between the payment device 110 and the cash register device 120.

Fig. 11 shows a block diagram of a terminal 1100 according to an exemplary embodiment of the present disclosure. The device 1100 may be: a terminal such as a smart phone, a tablet computer, a notebook computer or a desktop computer. Device 1100 may also be referred to by other names such as user equipment, portable terminals, laptop terminals, desktop terminals, and the like. Alternatively, the device 1100 may be a server. In general, the device 1100 includes a processor 1101 and a memory 1102.

Among other things, processor 1101 may include one or more processing cores, such as a 4-core processor, an 11-core processor, and so forth. The processor 1101 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable logic Array). The processor 1101 may also include a main processor and a coprocessor, where the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1101 may be integrated with a GPU (Graphics Processing Unit) that is responsible for rendering and rendering content that the display screen needs to display. In some embodiments, the processor 1101 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 1102 may include one or more computer-readable storage media, which may be non-transitory. Memory 1102 can also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1102 is used to store at least one instruction for execution by processor 1101 to implement a mobile payment method provided by embodiments of the present disclosure.

In some embodiments, the device 1100 may further comprise: a peripheral interface 1103 and at least one peripheral. The processor 1101, memory 1102 and peripheral interface 1103 may be connected by a bus or signal lines. Various peripheral devices may be connected to the peripheral interface 1103 by buses, signal lines, or circuit boards. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1104, touch display screen 1105, camera 1106, audio circuitry 1107, positioning component 1108, and power supply 1109.

The peripheral interface 1103 may be used to connect at least one peripheral associated with I/O (Input/Output) to the processor 1101 and the memory 1102. In some embodiments, the processor 1101, memory 1102, and peripheral interface 1103 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1101, the memory 1102 and the peripheral device interface 1103 may be implemented on separate chips or circuit boards, which is not limited by this embodiment.

The Radio Frequency circuit 1104 is used to receive and transmit RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuit 1104 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 1104 converts an electric signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electric signal. Optionally, the radio frequency circuit 1104 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 1104 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 1104 may also include NFC (Near Field Communication) related circuits, which are not limited by this disclosure.

The display screen 1105 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 1105 is a touch display screen, the display screen 1105 also has the ability to capture touch signals on or over the surface of the display screen 1105. The touch signal may be input to the processor 1101 as a control signal for processing. At this point, the display screen 1105 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display screen 1105 may be one, providing the front panel of the device 1100; in other embodiments, the display screens 1105 may be at least two, each disposed on a different surface of the device 1100 or in a folded design; in still other embodiments, the display 1105 may be a flexible display disposed on a curved surface or on a folded surface of the device 1100. Even further, the display screen 1105 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display screen 1105 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and the like.

Camera assembly 1106 is used to capture images or video. Optionally, camera assembly 1106 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 1106 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuitry 1107 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 1101 for processing or inputting the electric signals to the radio frequency circuit 1104 to achieve voice communication. The microphones may be multiple and placed at different locations on the device 1100 for stereo sound acquisition or noise reduction purposes. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 1101 or the radio frequency circuit 1104 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 1107 may also include a headphone jack.

The positioning component 1108 is used to locate the current geographic location of the device 1100 for navigation or LBS (location based Service). The positioning component 1108 may be a positioning component based on the united states GPS (global positioning System), the chinese beidou System, the russian graves System, or the european union's galileo System.

The power supply 1109 is used to provide power to the various components of the device 1100. The power supply 1109 may be alternating current, direct current, disposable or rechargeable. When the power supply 1109 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. Rechargeable batteries may also be used to support fast charge technologies.

In some embodiments, the device 1100 also includes one or more sensors 1110. The one or more sensors 1110 include, but are not limited to: acceleration sensor 1111, gyro sensor 1112, pressure sensor 1113, fingerprint sensor 1114, optical sensor 1115, and proximity sensor 1116.

The acceleration sensor 1111 can detect the magnitude of acceleration in three coordinate axes of a coordinate system established with the apparatus 1100. For example, the acceleration sensor 1111 may be configured to detect components of the gravitational acceleration in three coordinate axes. The processor 1101 may control the touch display screen 1105 to display a user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1111. The acceleration sensor 1111 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 1112 may detect a body direction and a rotation angle of the device 1100, and the gyro sensor 1112 may acquire a 3D motion of the user to the device 1100 in cooperation with the acceleration sensor 1111. From the data collected by gyroscope sensor 1112, processor 1101 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensors 1113 may be disposed on the side bezel of the device 1100 and/or on the underlying layers of the touch display screen 1105. When the pressure sensor 1113 is disposed on the side frame of the device 1100, the holding signal of the user to the device 1100 can be detected, and the processor 1101 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 1113. When the pressure sensor 1113 is disposed at the lower layer of the touch display screen 1105, the processor 1101 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 1105. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 1114 is configured to collect a fingerprint of the user, and the processor 1101 identifies the user according to the fingerprint collected by the fingerprint sensor 1114, or the fingerprint sensor 1114 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the user is authorized by the processor 1101 to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. The fingerprint sensor 1114 may be disposed on the front, back, or side of the device 1100. When a physical key or vendor Logo is provided on the device 1100, the fingerprint sensor 1114 may be integrated with the physical key or vendor Logo.

Optical sensor 1115 is used to collect ambient light intensity. In one embodiment, the processor 1101 may control the display brightness of the touch display screen 1105 based on the ambient light intensity collected by the optical sensor 1115. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1105 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1105 is turned down. In another embodiment, processor 1101 may also dynamically adjust the shooting parameters of camera assembly 1106 based on the ambient light intensity collected by optical sensor 1115.

A proximity sensor 1116, also referred to as a distance sensor, is typically provided on the front panel of the device 1100. The proximity sensor 1116 is used to capture the distance between the user and the front of the device 1100. In one embodiment, the touch display screen 1105 is controlled by the processor 1101 to switch from a bright screen state to a dark screen state when the proximity sensor 1116 detects that the distance between the user and the front face of the device 1100 is gradually decreasing; when the proximity sensor 1116 detects that the distance between the user and the front face of the device 1100 becomes progressively larger, the touch display screen 1105 is controlled by the processor 1101 to switch from a breath-screen state to a light-screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 11 does not constitute a limitation of the device 1100, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be employed.

Also provided in embodiments of the present disclosure is a computer-readable storage medium having at least one instruction, at least one program, set of codes, or set of instructions stored therein, the at least one instruction, the at least one program, set of codes, or set of instructions being loaded and executed by a processor to implement a mobile payment method as shown in any of fig. 2, fig. 5, or fig. 7.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc. The above description is intended to be exemplary only and not to limit the present disclosure, and any modification, equivalent replacement, or improvement made without departing from the spirit and scope of the present disclosure is to be considered as the same as the present disclosure.

Claims

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

2. The method of claim 1, wherein the code-transfer instruction comprises: a first code transmission instruction and a second code transmission instruction; the sending the member code and the payment code to a cash register device in response to a code transmission instruction comprises:

in response to the first code transfer instruction, sending the member code to a cash register device;

and responding to the second code transmission instruction, and sending the payment code to a cash register device.

3. The method of claim 2, wherein the payment device comprises: the first display screen and the second display screen are arranged oppositely; a biological characteristic information acquisition assembly is arranged on the side of the first display screen, and a code transmission control and a money collection control are displayed in the second display screen;

the collecting the biological characteristic information of the user comprises the following steps: collecting the biological characteristic information of the user through the biological characteristic information collecting component;

before the sending the membership code and the payment code to a cash register device in response to a code transmission instruction, the method further comprises:

responding to touch operation aiming at the code transmission control, and generating the first code transmission instruction;

and responding to the touch operation aiming at the money collection control, and generating the second code transmission instruction.

4. The method of claim 1, wherein prior to said sending the membership code and the payment code to a cash register device in response to a code transfer instruction, the method further comprises:

receiving a code transmission instruction sent by the cash register device, wherein the code transmission instruction is generated by the cash register device in response to a touch operation aiming at a code transmission control piece arranged on the cash register device.

5. The method of any one of claims 1 to 4, wherein said obtaining a payment code and a membership code for the user based on the biometric information comprises:

6. The method of any of claims 1 to 4, wherein the biometric information comprises: face information, fingerprint information, iris information, or voiceprint information.

7. A mobile payment device, the device comprising:

8. A mobile payment system, characterized in that the system comprises a payment device and a cash register device, the payment device comprises the mobile payment apparatus according to claim 7, and the payment device and the cash register device establish a communication connection.

9. A terminal, characterized in that the terminal comprises: a processor and a memory having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions that is loaded and executed by the processor to implement a mobile payment method as claimed in any one of claims 1 to 6.

10. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions that is loaded and executed by a processor to implement a mobile payment method as claimed in any one of claims 1 to 6.