CN111047328B - Mobile payment method, device, system and storage medium - Google Patents

Mobile payment method, device, system and storage medium Download PDF

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Publication number
CN111047328B
CN111047328B CN201911295208.XA CN201911295208A CN111047328B CN 111047328 B CN111047328 B CN 111047328B CN 201911295208 A CN201911295208 A CN 201911295208A CN 111047328 B CN111047328 B CN 111047328B
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payment
code
display screen
cashier
instruction
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CN111047328A (en
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郭润增
王少鸣
郑尚镇
黄家宇
邵帅
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Tencent Technology Shenzhen Co Ltd
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Tencent 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The application discloses a mobile payment method, a mobile payment device, a mobile payment system and a storage medium, and belongs to the technical field of communication. The payment device can directly acquire a payment code and a 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 cashier device in response to the code transmission instruction, so that the cashier device can adjust account resources of the member account indicated by the member code based on the member code, and execute payment operation on the payment account indicated by the payment code based on the payment code. The mobile payment method provided by the application is higher in payment efficiency and richer in functions.

Description

Mobile payment method, device, system and storage medium
Technical Field
The disclosure relates to the technical field of communication, and in particular relates to a mobile payment method, a mobile payment device, a mobile payment system and a storage medium.
Background
Mobile payment is widely applied to various payment scenes because of the advantages of convenience, high efficiency, reliability and the like as a payment mode for payment without using cash, bank cards, checks or the like.
In the related art, the mobile payment system may include a cashier device and a code scanner device, where the cashier device may be a Point Of Sale (POS) device. When the user displays the payment code, the code scanning device can scan the payment code to send the payment code to the cashing device, and the cashing device can deduct money on the payment account to which the payment code belongs based on the received payment code, so that mobile payment is realized.
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 mobile payment device, a mobile payment system and a storage medium, which can solve the problem of low payment efficiency in the related technology. The technical scheme is as follows:
in one aspect, a mobile payment method is provided and applied to a payment device, and the method includes:
responding to the received payment instruction, and collecting the biological characteristic information of the user;
acquiring a payment code and a member code of the user based on the biometric information;
and responding to the code transmission instruction, sending the member code and the payment code to cashier equipment, wherein the member code and the payment code are used for indicating the cashier equipment 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 device, the device comprising:
the acquisition module is used for responding to the received payment instruction and acquiring 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 transmitting module is used for responding to the code transmitting instruction, transmitting the member code and the payment code to cashing equipment, wherein the member code and the payment code are used for indicating the cashing equipment to adjust account resources of member accounts indicated by the member code, and executing payment operation based on the payment account indicated by the payment code.
Optionally, the code transmitting instruction includes: the first code transmission instruction and the second code transmission instruction; the sending module is used for: responding to the first code transmission instruction, and sending the member code to cashier equipment; and responding to the second code transmission instruction, and sending the payment code to cashier equipment.
Optionally, the payment device includes: the first display screen and the second display screen are arranged oppositely; the side of the first display screen is provided with a biological characteristic information acquisition component, and the second display screen is internally provided with a code transmission control and a collection control;
the acquisition module is used for: collecting biological characteristic information of a user through the biological characteristic information collecting component;
the apparatus further comprises:
the first generation module is used for responding to the touch operation of the code transmission control and generating a first code transmission instruction before the code transmission instruction is responded to the code transmission instruction and the member code and the payment code are sent to cashier equipment;
And the second generation module is used for responding to the touch operation of the collection control and generating the second code transmission instruction.
Optionally, the apparatus further includes:
and the receiving module is used for receiving the code transmission instruction sent by the cashing equipment before the member code and the payment code are sent to the cashing equipment in response to the code transmission instruction, wherein the code transmission instruction is generated by the cashing equipment in response to the touch operation of the code transmission control arranged on the cashing equipment.
Optionally, the acquisition module is configured to:
determining identity information of the user based on the biometric information;
determining a payment account number and a member account number of the user according to the identity information;
and generating a payment code according to the payment account number and generating a membership code according to the membership account number.
Optionally, the biometric information includes: face information, fingerprint information, iris information, or voiceprint information.
In a further aspect, there is provided a mobile payment system comprising a payment device and a cashier device, the payment device comprising a mobile payment apparatus as described in the above aspect, and the payment device and the cashier device establishing a communication connection.
In yet another aspect, there is provided a terminal including: a processor and a memory having stored therein at least one instruction, at least one program, code set or instruction set, the at least one instruction, the at least one program, the code set or the instruction set being loaded and executed by the processor to implement the mobile payment method as described in the above aspects.
In yet another aspect, a computer readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set loaded and executed by the processor to implement a mobile payment method as described in the above aspects is provided.
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. The payment 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 cashier device, so that the cashier 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 method has higher payment efficiency and richer functions.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings required for the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art.
Fig. 1 is a schematic diagram of an implementation environment related to a mobile payment method according to an embodiment of the disclosure;
FIG. 2 is a flow chart of a method of mobile payment provided by an embodiment of the present disclosure;
FIG. 3 is an interface schematic of a payment device provided by an embodiment of the present disclosure;
FIG. 4 is an interface schematic of another payment device provided by an embodiment of the present disclosure;
FIG. 5 is a flow chart of another method of mobile payment provided by an embodiment of the present disclosure;
FIG. 6 is a flow chart of a method for acquiring payment codes and membership codes provided by an embodiment of the present disclosure;
FIG. 7 is a flow chart of a method of yet another mobile payment provided by an embodiment 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 an embodiment 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 diagram of a terminal structure according to an embodiment of the disclosure.
Detailed Description
For the purposes of clarity, technical solutions and advantages of the present disclosure, the following further details the embodiments of the present disclosure with reference to the accompanying drawings.
Fig. 1 is a schematic diagram of an implementation environment related to a mobile payment method according to an embodiment of the disclosure. As shown in fig. 1, the implementation environment may include: a payment device 110, and a cashier 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 cashier device 120 through a wired network or a wireless network.
Optionally, the payment device 110 may be a consumer and/or cashier oriented terminal device, and the implementation environment may further include a payment device server that provides services to 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 provides services for the cashier device 120, for example, the cashier device may be a POS machine, and the cashier device server may be a background server of a merchant. It should be noted that, the payment device server and the cashing device server may be one server, or may be a server cluster formed by a plurality of servers, or may be a cloud computing service center.
In the embodiment of the present disclosure, the payment device 110 may directly acquire the payment code and the member code of the user by acquiring the biometric information of the user, and transmit the acquired payment code and member code to the cashier device 120 through a communication connection with the cashier device 120. The cashier device 120 may perform a mobile payment-related operation based on the acquired payment code and membership code. The mobile payment method has higher payment efficiency.
It should be noted that, since the payment device 110 sends the member code and the payment code to the cashier device 120, that is, the cashier device 120 performs the member identification based on the member code and performs the 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, where the payment device 110 only needs to send a payment code to the cashing device 120, and the cashing device 120 may directly check the member code based on the payment code. The following embodiments of the present disclosure are all described by taking mobile payment under a non-two-code-in-one member scenario as an example.
Fig. 2 is a flowchart of a mobile payment method according to 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, responding to the received payment instruction, and collecting the biometric information of the user.
Optionally, a payment option may be set on the payment device or the cashier 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., face information) of the user in response to the payment instruction.
Step 202, acquiring a payment code and a membership code of the user based on the biometric information.
After the biometric information is acquired, the payment device can determine the identity information of the user based on the biometric information, and acquire 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 based on the determined identity information.
And 203, transmitting a membership code and a payment code to the cashier device in response to the code transmission instruction.
Optionally, a code transmission related control may be further provided on the payment device or the cashier device, and when the code transmission related control is triggered, the payment device may acquire the code transmission instruction. The payment device may then send the retrieved payment code and member code of the user to the cashier device in response to the code instruction. The membership code and the payment code can be used for indicating the cashing device to adjust account resources of the membership account indicated by the membership code and execute payment operation based on the payment account indicated by the payment code.
In summary, the embodiment of the disclosure provides a mobile payment method. The payment 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 cashier device, so that the cashier 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 method has higher payment efficiency and richer functions.
Optionally, in an embodiment of the present disclosure, the payment device 110 may include a first display screen and a second display screen that are disposed opposite to each other. Wherein fig. 3 shows a first display screen A1 (which may also be referred to as front screen) of the payment device 110, and fig. 4 shows a second display screen A2 (which may also be referred to as back screen) of the payment device 110.
As shown in fig. 3, the side of the first display screen A1 may be provided with a biometric information collection assembly J1. For example, referring to fig. 3, a non-display area on the side of the first display screen A1 is shown to be provided with a biometric information collection assembly J1 including a plurality of cameras, and accordingly, the payment device 110 may also be referred to as a dual-screen face terminal device. Alternatively, the biometric information component J1 may be another collection component (such as a fingerprint collection 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 A1. In addition, referring to fig. 3, the side of the first display screen A1 may further include a name of the payment client "XX payment" supported by the payment device 110. Optionally, the payment device 110 may support a variety of payment clients.
As shown in fig. 4, the second display screen A2 may display a code transmission control, a money collection control and a cancellation control, that is, the code transmission control, the money collection control and the cancellation control may be virtual buttons. Of course, these controls may also be physical buttons disposed in the non-display area on the side of the second display screen A2.
It should be noted that, in the embodiment of the present disclosure, the first display screen A1 of the payment device 110 may face the user (i.e., the customer), and the second display screen A2 of the payment device 110 may face the cashier. Even if the cashier operates on the second display screen A2, and is convenient to operate on the first display screen A1 or is convenient for the first display screen A1 to collect relevant information of the customer. Because the cashier is more familiar with the payment operation flow than the customer, through the structure and the setting mode, the payment equipment can be matched with the cashier to send the member code and the payment code to the cashier at the correct time, and the payment efficiency is improved. In addition, referring to fig. 3 and 4, the second display screen A2 may display the monitoring result of monitoring the first display screen A1, that is, the same content as that displayed on the first display screen A1.
As an alternative implementation manner, taking the payment device 110 shown in fig. 3 and fig. 4 as an example, and taking the code transmission instruction to include the first code transmission instruction and the second code transmission instruction, the mobile payment method provided by the embodiment of the present disclosure is described. Fig. 5 is a flowchart of another mobile payment method provided in an 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, in response to a received payment instruction, biometric information of a user is collected.
Optionally, the payment device 110 or the cashier device 120 may include a payment option, and when the user needs to pay, the user or cashier may click on the payment option, and accordingly, the payment device 110 may receive the payment instruction. At this time, the payment device 110 may activate the biometric information collection component J1 provided thereon in response to the payment instruction, and collect biometric information of the user through the biometric information collection component J1. And after the biometric information of the user is collected, the payment device may close the biometric information collection assembly J1 in order to avoid repeated collection and save power consumption.
Alternatively, 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, as shown in fig. 3, the biometric information collection component J1 disposed on the side of the first display screen A1 of the payment device 110 is a camera, when the payment device 110 receives a payment instruction, the camera disposed thereon may be started in response to the payment instruction, and face information may be collected by the camera. This process may also be referred to as face recognition. In addition, referring to fig. 3, the first display screen A1 may also display text information of a re-shooting option, a cancel option "x" and "please wait for the cashier to initiate a collection".
Optionally, the payment option may be an entity button or a virtual control disposed on the side where the first display screen A1 is located, and correspondingly, the payment instruction may be an instruction generated based on a triggering operation of the user on the payment option. Alternatively, the payment option may be an entity button or a virtual control disposed on the side of the second display screen A2 or on the cashier 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 are not limited to whether the payment instruction is generated based on a triggering operation by a user or a cashier, but are merely illustrative.
Step 502, acquiring a payment code and a membership code of the user based on the biometric information.
In the embodiment of the disclosure, after the payment device collects the biometric information of the user, the payment code and the membership code of the user can be obtained based on the biometric information. Optionally, fig. 6 is a flowchart of a method for obtaining payment codes and membership codes according to an embodiment of the present disclosure. As shown in fig. 6, the method may include:
step 5021, determining identity information of the user based on the biometric information.
Optionally, after the payment device collects the biometric information of the user, the biometric information may be sent to a server that stores in advance a correspondence between the biometric information and the user identity information. Then, the server may identify a user corresponding to the biometric information from among the pre-stored correspondence relations based on the received biometric information, and transmit the identity information of the user to the payment device. I.e. the payment device may receive the identity information of the user sent by the server.
Step 5022, determining a payment account number and a member account number of the user according to the identity information.
In the embodiment of the disclosure, the user needs to perform real-name authentication when registering the payment account and the member account. For example, when a user registers a member account with an AA merchant, identity information (such as a real name) for uniquely identifying the user's own identity may be sent to a background server of the AA merchant, so that the background 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 user can send the identity information for uniquely identifying the user to the background server of the XX payment client, so that the background server of the XX payment client uniquely binds the payment account based on the identity information of the user.
Accordingly, after the payment device determines the identity information of the user, the identity information of the user may be sent to a background server (such as the background server of the AA merchant mentioned above) storing the correspondence between the member account and the identity information, where the background server may search, based on the received identity information, the member account of the user to which the identity information belongs in the pre-stored correspondence 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 the member account, the payment device cannot receive the member account of the user.
Similarly, after the payment device determines the identity information of the user, the identity information of the user may be sent to a background server (such as the background server of the XX payment client mentioned above) storing the correspondence between the payment account and the identity information, where the background server may search, based on the received identity information, the payment account of the user to which the identity information belongs in the pre-stored correspondence and send the 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, a certain member account number (also referred to as a membership card) may be displayed on each of the first display screen A1 and the second display screen A2 of the payment device 110. The information of the membership card includes: membership cards are named "AA membership" (i.e., members registered with the AA merchant), points "200", balance "0", etc. 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 number and generating a membership code according to the membership account number.
After the payment account number and the member account number are acquired, the payment device may generate a member code (such as a two-dimensional code) for uniquely indicating the member account number based on the member account number, and may generate a payment code for uniquely indicating the payment account number based on the payment account number. Alternatively, the payment code and the membership code may be updated each time a face is recognized, i.e., the payment code and the membership code may be disposable.
It should be noted that, referring to fig. 3, the side of the first display screen A1 of the payment device 110 may also be provided with a scanning window K1, and accordingly, the payment device 110 may directly obtain the payment code and/or the member code obtained by scanning through the scanning window K1. For example, the user may directly aim their payment code and/or membership code at the scanning window K1 when checking out, and the scanning window K1 may scan the payment code and/or membership code so that the payment device 110 obtains the payment code and/or membership code directly based on the scanning result.
Step 503, generating a first code transmission instruction in response to a touch operation for the code transmission control.
In the embodiment of the disclosure, in conjunction with fig. 4, when a member code needs to be sent to the cashier device, the cashier may click on the code transmission control in the second display screen A2, and accordingly, the payment device 110 may generate the first code transmission instruction in response to the touch operation for the code transmission control. Of course, the touch operation for the code transmission control may also be directly performed by the user, which is not limited by the embodiment of the disclosure.
Step 504, in response to the touch operation for the collection control, generating a second code instruction.
Similarly, in conjunction with fig. 4, when a payment code needs to be sent to the cashier device, the cashier may click on the collection control in the second display screen A2, and accordingly, the payment device 110 may generate the second code instruction in response to the touch operation for the collection control. Of course, the touch operation for the collection control may also be directly performed by the user, which is not limited by the embodiments of the present disclosure.
Step 505, in response to the first code transmission instruction, a member code is sent to the cashier device.
For example, the payment device may send a membership code to the cashier device over a communication connection with the cashier device in response to the first pass code instruction after the first pass code instruction is generated. Also, referring to fig. 5, the cashier device 120 may perform a "member marketing" operation based on the received member code.
And step 506, transmitting a payment code to the cashier device in response to the second code transmission instruction.
For example, the payment device may send the payment code to the cashier device over a communication connection with the cashier device in response to the second pass code instruction after the second pass code instruction is generated. And, referring to fig. 5, the cashier device 120 may perform a "deduction" operation based on the received payment code.
That is, the membership code and the payment code may be used to instruct the cashing device to adjust account resources of the membership account indicated by the membership code, and to perform a payment operation based on the payment account indicated by the payment code. For example, after the cashing device obtains the member code and the payment code, the cashing device may determine the preferential condition of the member account indicated by the member code (that is, execute the member preferential confirmation operation), perform the deduction operation on the payment account according to the preferential condition, and finally, the cashing device may adjust the member score of the member account according to the deduction amount.
It should be noted that, since the payment operation performed by the cashier device based on the payment code is generally performed after the member benefit is determined based on the member code, the payment device 110 may perform the steps 503 and 505 described above first and then perform the steps 504 and 506 in conjunction with fig. 5. The payment device can be controlled to send the member code to the cashier device, and then the payment device is controlled to send the payment code to the cashier device.
By responding to different code transmission instructions and respectively sending the member code and the payment code to the cashier equipment, the cashier equipment can execute mobile payment related operation according to a normal flow based on the member code and the payment code, namely cashier time sequences of the payment equipment and the cashier equipment are matched normally, and the payment efficiency is further ensured. In addition, the mobile payment method only sends information to the cashier device by the payment device, so that only hardware and/or software modification is needed for the payment device, and the cost is low.
Optionally, only one code transmission control may be set on the payment device, and accordingly, when a 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 obtained payment code and the member code to the cashier device at the same time in response to the one code transmission instruction.
It should be noted that the sequence of steps of the mobile payment method provided in 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 should be covered in the protection scope of the present disclosure, and thus will not be repeated.
In summary, the embodiment of the disclosure provides a mobile payment method. The payment 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 cashier device, so that the cashier 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 method has higher payment efficiency and richer functions.
As another alternative implementation, fig. 7 is a flowchart of another mobile payment method provided by an embodiment of the present disclosure, which 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, responding to the received payment instruction, and collecting the biometric information of the user.
For a specific implementation of this step, reference may be made to step 501 described above, which is not described herein.
Step 702, obtaining payment codes and membership codes of the user based on the biometric information.
For a specific implementation of this step, reference may be made to step 502 described above, and will not be described in detail herein.
Step 703, receiving a code transmission instruction sent by the cashier device.
The code transmission instruction may be an instruction generated by the cashier device in response to a touch operation for a code transmission control set on the cashier device. That is, the cashier device may be modified so that two-way communication may be achieved between the cashier device and the payment device. Optionally, a code transmission control may be disposed on the cashier device, and when the cashier clicks the code transmission control, the cashier 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 cashier device may also include two types of code transmission control and cashier control shown in fig. 4, and when the cashier clicks the code transmission control, the cashier 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 can 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 instruction is not limited to being generated based on a touch operation by a cashier. Because the cashier is generally terminal equipment facing the cashier, and the cashier is more familiar with the payment flow than the customer, the code transmission instruction sent by the cashier is generally generated by the triggering of the cashier, and the payment efficiency is further ensured.
Step 704, in response to the code transmission instruction, a member code and a payment code are sent to the cashier device.
Alternatively, reference may be made to the above steps 505 and 506, which are not described herein. Of course, if the payment device receives only one code transmission instruction sent by the cashier device, the payment device may directly send the member code and the payment code to the cashier device simultaneously in response to the code transmission 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 cashier device, so the payment device may only include the first display screen, which is not limited.
In summary, the embodiment of the disclosure provides a mobile payment method. The payment 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 cashier device, so that the cashier 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 method has higher payment efficiency and richer functions.
Fig. 8 is a block diagram of a mobile payment device provided in an embodiment of the present disclosure, which may be the payment device 110 in the implementation environment described in fig. 1, or the device may be disposed on the payment device 110. As shown in fig. 8, the apparatus 80 may include:
and the acquisition module 801 is used for responding to the received payment instruction and acquiring the biological characteristic information of the user.
An acquisition module 802 for acquiring a payment code and a membership code of the user based on the biometric information.
And the sending module 803 is used for responding to the code transmission instruction and sending the member code and the payment code to the cashier device.
The member code and the payment code can be used for indicating the cashing 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 transmitting instruction may include: the first code transmission instruction and the second code transmission instruction. Accordingly, the sending module 803 may be configured to: responding to the first code transmission instruction, and sending a member code to cashier equipment; and transmitting a payment code to the cashier 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 where the first display screen is located can be provided with a biological characteristic information acquisition component, and the second display screen can be provided with a code transmission control and a collection control.
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, fig. 9 is a block diagram of another mobile payment device provided by an 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, in response to a touch operation for the code transmission control, a first code transmission instruction before transmitting the member code and the payment code to the cashier device in response to the code transmission instruction.
The second generating module 805 is configured to generate a second code transmission instruction in response to a touch operation for the collection control.
As another alternative implementation, fig. 10 is a block diagram of yet another mobile payment device provided by an embodiment of the present disclosure. As shown in fig. 10, the apparatus 80 may further include:
and a receiving module 806, configured to receive the code transmission instruction sent by the cashier device before sending the member code and the payment code to the cashier device in response to the code transmission instruction. The code transmission instruction may be an instruction generated by the cashier device in response to a touch operation for a code transmission control set on the cashier device.
Alternatively, the acquiring module 802 may be configured to: the identity information of the user is determined based on the biological characteristic information, a payment account and a member account of the user are determined according to the identity information, a payment code is generated according to the payment account, and a member code is generated according to the member account.
Alternatively, the biometric information may include: face information, fingerprint information, iris information, or voiceprint information.
In summary, the embodiments of the present disclosure provide a mobile payment device. The device can directly acquire the payment code and the membership 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 membership code to the cashier device, so that the cashier device adjusts account resources of the membership account indicated by the membership code based on the membership code, and executes payment operation on the payment account indicated by the payment code based on the payment code. Therefore, the mobile payment device has higher payment efficiency and richer functions in payment operation.
The specific manner in which the various modules perform the operations in the apparatus of the above embodiments have been described in detail in connection with the embodiments of the method, and will not be described in detail herein.
Optionally, the embodiment of the disclosure further provides a mobile payment system. As shown in fig. 1, the mobile payment system may include: a payment device 110 and a cashier 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 cashier device 120.
Fig. 11 shows a block diagram of a terminal 1100 provided by 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 of user devices, portable terminals, laptop terminals, desktop terminals, and the like. Alternatively, the device 1100 may be a server. In general, device 1100 includes a processor 1101 and a memory 1102.
The processor 1101 may include one or more processing cores, such as a 4-core processor, an 11-core processor, etc. The processor 1101 may be implemented in at least one hardware form of DSP (Digital Signal Processing ), FPGA (Field-Programmable Gate Array, field programmable gate array), PLA (Programmable Logic Array ). The processor 1101 may also include a main processor, which is a processor for processing data in an awake state, also called a CPU (Central Processing Unit ), and a coprocessor; 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, image processor) for taking care of rendering and rendering of content that the display screen is required to display. In some embodiments, the processor 1101 may also 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 may 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 the mobile payment method provided by embodiments of the present disclosure.
In some embodiments, the device 1100 may further include: 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. The individual peripheral devices may be connected to the peripheral device interface 1103 by buses, signal lines or circuit boards. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1104, touch display 1105, camera 1106, audio circuitry 1107, and power supply 1109.
A peripheral interface 1103 may be used to connect I/O (Input/Output) related at least one peripheral device to the processor 1101 and 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 both of the processor 1101, memory 1102, and peripheral interface 1103 may be implemented on a separate chip or circuit board, which is not limited in this embodiment.
The Radio Frequency circuit 1104 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 1104 communicates with a communication network and other communication devices via electromagnetic signals. The radio frequency circuit 1104 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1104 includes: antenna systems, RF transceivers, one or more amplifiers, tuners, oscillators, digital signal processors, codec chipsets, subscriber identity module cards, and so forth. The radio frequency circuitry 1104 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to: metropolitan area networks, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and/or WiFi (Wireless Fidelity ) networks. In some embodiments, the radio frequency circuitry 1104 may also include NFC (Near Field Communication, short range wireless communication) related circuitry, which is 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 1105 is a touch display, the display 1105 also has the ability to collect touch signals at or above the surface of the display 1105. The touch signal may be input to the processor 1101 as a control signal for processing. At this time, the display screen 1105 may also be used to provide virtual buttons and/or virtual keyboards, also referred to as soft buttons and/or soft keyboards. In some embodiments, the display 1105 may be one, providing a front panel of the device 1100; in other embodiments, the display 1105 may be at least two, each disposed on a different surface of the device 1100 or in a folded configuration; in still other embodiments, the display 1105 may be a flexible display disposed on a curved surface or a folded surface of the device 1100. Even more, the display 1105 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The display 1105 may be made of LCD (Liquid Crystal Display ), OLED (Organic Light-Emitting Diode) or other materials.
The camera assembly 1106 is used to capture images or video. Optionally, the camera assembly 1106 includes a front camera and a rear camera. Typically, the front camera is disposed on the front panel of the terminal and the rear camera is disposed on the rear surface of the terminal. In some embodiments, the at least two rear cameras are any one of a main camera, a depth camera, a wide-angle camera and a tele camera, so as to realize that the main camera and the depth camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize a panoramic shooting and Virtual Reality (VR) shooting function or other fusion shooting functions. In some embodiments, the camera assembly 1106 may also include a flash. The flash lamp can be a single-color temperature flash lamp or a double-color temperature flash lamp. The dual-color temperature flash lamp refers to a combination of a warm light flash lamp and a cold light flash lamp, and can be used for light compensation under different color temperatures.
The audio circuit 1107 may include a microphone and a speaker. The microphone is used for collecting sound waves of users and environments, 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 for voice communication. The microphone may be provided in a plurality of different locations of the apparatus 1100 for stereo acquisition or noise reduction purposes. The microphone may also be an array microphone or an omni-directional pickup microphone. The speaker is used to convert electrical signals from the processor 1101 or the radio frequency circuit 1104 into sound waves. The speaker may be a conventional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only the electric signal can be converted into a sound wave audible to humans, but also the electric signal can be converted into a sound wave inaudible to humans for ranging and other purposes. In some embodiments, the audio circuit 1107 may also include a headphone jack.
The power supply 1109 is used to power the various components in the device 1100. The power source 1109 may be an alternating current, a direct current, a disposable battery, or a rechargeable battery. 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 technology.
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, gyroscope sensor 1112, pressure sensor 1113, fingerprint sensor 1114, optical sensor 1115, and proximity sensor 1116.
The acceleration sensor 1111 can detect the magnitudes of accelerations on three coordinate axes of the coordinate system established with the apparatus 1100. For example, the acceleration sensor 1111 may be configured to detect components of 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 a gravitational acceleration signal acquired by the acceleration sensor 1111. Acceleration sensor 1111 may also be used for the 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 apparatus 1100, and the gyro sensor 1112 may collect 3D actions of the user on the apparatus 1100 in cooperation with the acceleration sensor 1111. The processor 1101 may implement the following functions based on the data collected by the gyro sensor 1112: motion sensing (e.g., changing UI according to a tilting operation by a user), image stabilization at shooting, game control, and inertial navigation.
Pressure sensor 1113 may be positioned at a side frame of device 1100 and/or at an underlying layer of touch display 1105. When the pressure sensor 1113 is disposed on a side frame of the device 1100, a user's grip signal on the device 1100 may be detected, and the processor 1101 performs a left-right hand recognition or a shortcut operation based on the grip 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 controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.
The fingerprint sensor 1114 is used to collect a fingerprint of the user, and the processor 1101 identifies the identity of the user based on the collected fingerprint of the fingerprint sensor 1114, or the fingerprint sensor 1114 identifies the identity of the user based on 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. Fingerprint sensor 1114 may be disposed on the front, back, or side of device 1100. When a physical key or vendor Logo is provided on device 1100, fingerprint sensor 1114 may be integrated with the physical key or vendor Logo.
The optical sensor 1115 is used to collect the ambient light intensity. In one embodiment, the processor 1101 may control the display brightness of the touch display screen 1105 based on the intensity of ambient light collected by the optical sensor 1115. Specifically, when the intensity of the ambient light is high, the display luminance of the touch display screen 1105 is turned up; when the ambient light intensity is low, the display luminance of the touch display screen 1105 is turned down. In another embodiment, the processor 1101 may also dynamically adjust the shooting parameters of the camera assembly 1106 based on the intensity of ambient light collected by the 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 face of the device 1100. In one embodiment, when the proximity sensor 1116 detects a gradual decrease in the distance between the user and the front face of the device 1100, the processor 1101 controls the touch display 1105 to switch from the bright screen state to the off screen state; when the proximity sensor 1116 detects that the distance between the user and the front face of the device 1100 gradually increases, the touch display screen 1105 is controlled by the processor 1101 to switch from the off-screen state to the on-screen state.
Those skilled in the art will appreciate that the structure shown in fig. 11 is not limiting of the device 1100 and may include more or fewer components than shown, or may combine certain components, or may employ a different arrangement of components.
Also provided in embodiments of the present disclosure is a computer-readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set that is loaded and executed by a processor to implement a mobile payment method as shown in any of fig. 2, 5, or 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 for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc. The foregoing description of the preferred embodiments of the present disclosure is provided for the purpose of illustration only, and is not intended to limit the disclosure to the particular embodiments disclosed, but on the contrary, the intention is to cover all modifications, equivalents, alternatives, and alternatives falling within the spirit and principles of the disclosure.

Claims (11)

1. A mobile payment method, characterized by being applied to a payment device, the payment device comprising: the first display screen and the second display screen are arranged oppositely; the system comprises a first display screen, a second display screen, a biological characteristic information acquisition component, a code transmission control and a collection control, wherein the side of the first display screen is provided with the biological characteristic information acquisition component, the first display screen faces a user, the second display screen is provided with the code transmission control and the collection control, the second display screen faces the collection party, and the second display screen is provided with a monitoring result for monitoring the first display screen; the method comprises the following steps:
responding to the received payment instruction, and collecting the biological characteristic information of the user through the biological characteristic information collecting component;
acquiring a payment code and a member code of the user based on the biometric information;
responding to touch operation for the code transmission control, and generating a first code transmission instruction; responding to the first code transmission instruction, and sending the member code to cashier equipment;
generating a second code transmission instruction in response to touch operation for the collection control; and responding to the second code transmission instruction, sending the payment code to the cashier device, wherein the member code and the payment code are used for indicating 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.
2. The method according to claim 1, wherein the method further comprises:
and receiving a code transmission instruction sent by the cashier equipment, wherein the code transmission instruction is an instruction generated by the cashier equipment in response to the touch operation of a code transmission control arranged on the cashier equipment.
3. The method according to any one of claims 1 to 2, wherein the acquiring the payment code and the member code of the user based on the biometric information comprises:
determining identity information of the user based on the biometric information;
determining a payment account number and a member account number of the user according to the identity information;
and generating a payment code according to the payment account number and generating a membership code according to the membership account number.
4. The method according to any one of claims 1 to 2, wherein the biometric information comprises: face information, fingerprint information, iris information, or voiceprint information.
5. A mobile payment device, characterized by being applied to a payment apparatus, the payment apparatus comprising: the first display screen and the second display screen are arranged oppositely; the system comprises a first display screen, a second display screen, a biological characteristic information acquisition component, a code transmission control and a collection control, wherein the side of the first display screen is provided with the biological characteristic information acquisition component, the first display screen faces a user, the second display screen is provided with the code transmission control and the collection control, the second display screen faces the collection party, and the second display screen is provided with a monitoring result for monitoring the first display screen; the device comprises:
The collection module is used for responding to the received payment instruction and collecting the biological characteristic information of the user through the biological characteristic information collection component;
the acquisition module is used for acquiring a payment code and a member code of the user based on the biological characteristic information;
the first generation module is used for responding to the touch operation of the code transmission control and generating a first code transmission instruction;
the sending module is used for responding to the first code transmission instruction and sending the member code to cashier equipment;
the second generation module is used for responding to the touch operation of the collection control and generating a second code transmission instruction;
the sending module is configured to send the payment code to the cashier device in response to the second code transmission instruction, where the member code and the payment code are used to instruct the cashier device to adjust account resources of the member account indicated by the member code, and execute a payment operation based on the payment account indicated by the payment code.
6. The apparatus of claim 5, wherein the apparatus further comprises:
the receiving module is used for receiving a code transmission instruction sent by the cashier equipment, wherein the code transmission instruction is an instruction generated by the cashier equipment in response to the touch operation of a code transmission control arranged on the cashier equipment.
7. The apparatus according to any one of claims 5 to 6, wherein the obtaining module is configured to:
determining identity information of the user based on the biometric information;
determining a payment account number and a member account number of the user according to the identity information;
and generating a payment code according to the payment account number and generating a membership code according to the membership account number.
8. The apparatus of any one of claims 5 to 6, wherein the biometric information comprises: face information, fingerprint information, iris information, or voiceprint information.
9. A mobile payment system, characterized in that the system comprises a payment device and a cashier device, the payment device comprising the mobile payment apparatus of claim 5, and the payment device and the cashier device establishing a communication connection.
10. A terminal, the terminal comprising: 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, the at least one instruction, the at least one program, the set of codes or the set of instructions being loaded and executed by the processor to implement the mobile payment method of any one of claims 1 to 4.
11. A computer readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set, the at least one instruction, the at least one program, the code set, or the instruction set being loaded and executed by a processor to implement the mobile payment method of any of claims 1 to 4.
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