CN111325536B - Payment method and device - Google Patents

Payment method and device Download PDF

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Publication number
CN111325536B
CN111325536B CN202010082757.5A CN202010082757A CN111325536B CN 111325536 B CN111325536 B CN 111325536B CN 202010082757 A CN202010082757 A CN 202010082757A CN 111325536 B CN111325536 B CN 111325536B
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payment
service
user
information
business
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CN111325536A (en
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李江
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Koubei Shanghai Information Technology Co Ltd
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Koubei Shanghai Information Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The embodiment of the invention discloses a payment method and equipment. The method comprises the following steps: the first device is associated with first user information and the second device is associated with second user information; the first device monitors a second device associated with the service, the first device comprising: a device for directly providing business services for the second user; when the second equipment is monitored, second user information and payment information matched with the service are acquired; wherein the second device comprises: the second user obtains the equipment required by the business service provided by the first equipment; executing the service, generating a payment request according to the first user information, the second user information and the payment information, and sending the payment request to the settlement terminal. By adopting the scheme, the payment process and the process of obtaining the business service by the user are integrated together, and the user does not need to actively initiate additional payment operation, so that the operation required by the user in the process of obtaining the business is reduced, and the convenience is improved.

Description

Payment method and device
The application is a divisional application of an invention patent application with the name of a payment method, a payment device and a payment apparatus, and the application number is 2017104076357 on the application date of 2017, 06 and 02.
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a payment method and apparatus.
Background
With the popularization of the internet technology, the payment modes such as code scanning payment, acoustic wave payment and the like are widely applied due to the characteristics of safety, convenience, rapidness and the like.
In an actual payment scenario, if a consumer uses a business service (e.g., purchases goods) provided by a business provider (e.g., merchant), the consumer needs to pay the business provider, at which point the consumer may complete the payment using a corresponding payment instrument (e.g., payment application). Taking code scanning payment as an example, the specific process may be: the user unlocks the terminal (such as a smart phone), starts an application with a payment function, selects a code scanning function in the application, scans codes aiming at a digital object identifier (Digital Object Identifier, DOI) provided by a merchant, displays a payment interface, and performs payment after a consumer inputs the amount required to be paid in the payment interface.
However, for the existing payment methods, both the code scanning payment method and the sonic payment or other payment methods based on payment means, the consumer needs to perform the corresponding payment operation in addition to the operation related to the business (i.e. business operation) to complete the payment. For example: in the scenario where a consumer purchases a commodity, the consumer needs to pick the commodity to be purchased (the process where the consumer picks the commodity can be considered as a business operation), and then the consumer needs to pay for the selected commodity (i.e., issue a payment operation). Through business operations, the consumer can obtain the service or goods provided by the merchant, and then pay for the goods or services through payment operations.
Obviously, this way increases the amount of manipulation by the consumer, which is cumbersome for the consumer.
Disclosure of Invention
The embodiment of the invention provides a payment method, wherein first equipment is associated with first user information, and second equipment is associated with second user information; the method comprises the following steps:
a first device monitors a second device associated with a service, said first device comprising: a device for directly providing business services for the second user;
when the second equipment is monitored, acquiring the second user information and payment information matched with the service; wherein the second device comprises: the second user obtains equipment required by business services provided by the first equipment;
executing the service, generating a payment request according to the first user information, the second user information and the payment information, and sending the payment request to a settlement terminal.
Optionally, the first device monitors a second device related to the service, specifically including:
the first equipment monitors business operation sent by a second user and second equipment related to the business operation;
the obtaining of the second user information and the payment information matched with the service specifically comprises the following steps:
And acquiring the second user information and payment information generated based on the business operation.
Optionally, the payment information at least includes: a payment amount;
generating payment information based on the business operation specifically comprises the following steps:
determining a service type corresponding to the service operation;
determining the payment amount matched with the business operation according to the corresponding relation between the preset business type and the payment amount;
and generating payment information of the business operation according to the payment amount.
Optionally, the method further comprises:
the first equipment monitors a service state;
and when the service state is monitored to be unsuccessfully executed, sending a revocation request to the settlement terminal so that the settlement terminal revokes the processing of the payment request.
Optionally, before executing the service, the method further includes:
and the first equipment determines that the payment state corresponding to the second user information is normal.
Optionally, the first device further includes: means for associating with a business service; the first device is further used for sending a payment request to a settlement end;
the second device includes: the second user obtains equipment required for business services associated with the first equipment.
The embodiment of the invention also provides a payment device which is associated with the first user information, and the second device is associated with the second user information; the apparatus comprises:
the monitoring module monitors a second device related to the service, wherein the first device comprises: a device for directly providing business services for the second user;
the information acquisition module is used for acquiring the second user information and the payment information matched with the service when the second equipment is monitored; wherein the second device comprises: the second user obtains equipment required by business services provided by the first equipment;
a service component executing a service;
and the request transmission module generates a payment request according to the first user information, the second user information and the payment information and sends the payment request to a settlement terminal.
Optionally, the monitoring module monitors a service operation sent by a second user and a second device related to the service operation;
the information acquisition module acquires the second user information and payment information generated based on the business operation.
Optionally, the payment information at least includes: a payment amount;
the processing module determines the service type corresponding to the service operation, determines the payment amount matched with the service operation according to the corresponding relation between the preset service type and the payment amount, and generates the payment information of the service operation according to the payment amount.
Optionally, the apparatus further includes: and the payment revocation module is used for monitoring the service state, and sending a revocation request to the settlement terminal when the service state is not successfully executed, so that the settlement terminal revokes the processing of the payment request.
Optionally, the apparatus further includes: and the determining module is used for determining that the payment state corresponding to the second user information is normal before executing the service according to the service operation.
The embodiment of the application provides a payment method which is used for solving the problem that the payment process in part of business scenes is complicated.
The embodiment of the application provides a payment device, which is used for solving the problem that the payment process in part of business scenes is complicated.
The embodiment of the application adopts the following technical scheme:
the embodiment of the application provides a payment method, wherein first equipment is associated with first user information, and second equipment is associated with second user information, and the method comprises the following steps:
the first equipment monitors second equipment related to the service;
when the second equipment is monitored, acquiring the second user information and payment information matched with the service;
executing the service, generating a payment request according to the first user information, the second user information and the payment information, and sending the payment request to a settlement terminal.
The embodiment of the application also provides a payment method, wherein the first device is associated with the first user information, and the second device is associated with the second user information; the method comprises the following steps:
the settlement terminal receives a payment request sent by first equipment; wherein the payment request is generated by the first device based on the monitored second device associated with the service;
executing payment according to the payment request, and detecting a payment state;
and when the payment state abnormality is detected, recording the payment request.
The embodiment of the application also provides a payment method, which comprises the following steps: the second device being associated with second user information; the method comprises the following steps:
the second equipment establishes communication connection with the first equipment under the action of the first equipment;
and transmitting the second user information to the first device based on the communication connection.
The embodiment of the application also provides a payment method, which comprises the following steps:
the second equipment receives the abnormal identification information sent by the settlement end; the settlement terminal receives a payment request sent by the first equipment based on the monitored second equipment, and generates the payment request when abnormality is detected to the payment state according to the payment request;
And carrying out abnormality prompt according to the abnormality identification information.
The embodiment of the application provides a payment device, which is associated with first user information, and second device is associated with second user information; the apparatus comprises:
the monitoring module monitors second equipment related to the service;
the information acquisition module is used for acquiring the second user information and the payment information matched with the service when the second equipment is monitored;
a service component executing a service;
and the request transmission module generates a payment request according to the first user information, the second user information and the payment information and sends the payment request to a settlement terminal.
The embodiment of the application also provides a payment device, wherein the first equipment is associated with the first user information, and the second equipment is associated with the second user information; the device comprises:
the receiving module is used for receiving a payment request sent by the first equipment; wherein the payment request is generated by the first device based on the monitored second device associated with the service;
the processing module executes payment according to the payment request and detects the payment state;
and the recording module is used for recording the payment request when detecting that the payment state is abnormal.
The embodiment of the application also provides a payment device associated with the second user information, the device comprising:
an equipment body carrying a communication module;
and the communication module establishes communication connection with the first equipment under the action of the first equipment and sends the second user information to the first equipment based on the communication connection.
The embodiment of the application also provides a payment device, which comprises:
the device body is provided with a bearing receiving module and a prompting module;
the receiving module is used for receiving the abnormal identification information sent by the settlement end; the settlement terminal receives a payment request sent by the first equipment based on the monitored second equipment, and generates the payment request when abnormality is detected to the payment state according to the payment request;
and the prompt module is used for carrying out abnormal prompt according to the abnormal identification information.
The above-mentioned at least one technical scheme that this application embodiment adopted can reach following beneficial effect:
in a business scenario involving payment in part, an individual user (i.e., a second user) may interact with a first device affiliated with a business provider user (i.e., a first user) using a second device to which the user's own user information is bound to obtain a corresponding business service. In such a business scenario, the first device will monitor the second device used by the individual user to obtain business services. After the second device is monitored, the first device automatically acquires user information of the individual user and payment information bound with the second device. In the embodiment of the application, the process of acquiring the information by the first device is weakly perceived or unaware to the individual user, and the individual user is not required to actively send out a payment operation. And then, the first equipment sends the acquired information and the user information of the service provider user to a settlement end for providing the payment service, so that the settlement end completes the payment process based on the information.
Compared with the prior art, the payment process and the process of obtaining the business service by the user are integrated, and the user does not need to actively initiate additional payment operation, so that the operation required by the user in the process of obtaining the business is reduced, and the convenience is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:
fig. 1 is a schematic diagram of an architecture on which a payment method provided in an embodiment of the present application is based;
fig. 2 is a schematic diagram of a payment process based on a first device side according to an embodiment of the present application;
fig. 3 is a schematic diagram of a payment process based on a server side according to an embodiment of the present application;
fig. 4a and 4b are schematic diagrams of a payment process based on a second device side according to an embodiment of the present application;
fig. 5 is a schematic diagram of a payment process in an actual payment scenario provided in an embodiment of the present application;
fig. 6 is a schematic structural diagram of a payment device according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of a payment device based on a server side according to an embodiment of the present application;
Fig. 8 is a schematic structural diagram of a payment device according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of another payment device according to an embodiment of the present application.
Detailed Description
For the purposes, technical solutions and advantages of the present application, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
As described above, in the current actual payment scenario, the process of making a payment by a user is generally independent of the process of obtaining a service by the user, in other words, the user needs to perform an operation related to the payment in addition to the corresponding service operation. Obviously, such a way is cumbersome.
Therefore, in the embodiment of the application, a payment method is provided, which is used for combining the operation process of obtaining the business service by the user with the payment process in part of business scenes related to payment, so that the operation of the user is reduced, and meanwhile, the payment process is poorly perceived or not perceived by the user.
It should be noted that, in the embodiment of the present application, an architecture as shown in fig. 1 may be used. As can be seen from fig. 1, the architecture comprises a first user, a second user, a first device, a second device, and a clearing house.
Wherein the first user may be considered a service provider user, and may include: merchants such as shops, hotels, restaurants, cafes, gas stations, etc., are not particularly limited herein. The second user may be considered a business-consumer user (e.g., consumer), typically the second user is a personal user. In an actual business scenario, the first user may provide the second user with a corresponding business service, and accordingly, the second user may pay to the first user.
The first device may include: a device capable of providing business services to a second user, such as: intelligent coffee machines in coffee shops, intelligent meal dispensers in restaurants, intelligent fuel dispensers in gas stations, vending machines, etc., or business service related devices such as: intelligent door locks for hotel rooms, and the like. The second user interacts with the first device in the embodiment of the present application in the process of obtaining the business service.
The second device may be considered as a device required by the second user to obtain the business service (i.e., the second user will use the second device during the business interaction with the first device), and the second user cannot actively initiate the payment operation directly using the second device. Corresponding to the first device in the above example, the second device may be as follows: intelligent drinking cup, intelligent lunch-box, intelligent car, intelligent shopping card, intelligent door card etc.. It can be seen that in some embodiments of the present application, the second device is not a mobile communication terminal (e.g., a smart phone, a tablet computer, etc.) or a smart wearable device.
The settlement terminal is used for providing payment service, namely, completing payment settlement between the first user and the second user. The clearing terminal in the embodiment of the application can be a server, a server cluster, a computer and other devices. In a more general application scenario, the settlement end may be a service server of a background of the service provider (in this case, the service server may provide a payment service), or may be a payment server corresponding to a third party payment platform, where the third party payment platform may include: payment websites, banks, etc. In addition, in the scenario of using the blockchain technology, the settlement end in fig. 1 may be a network node in the blockchain network, and the settlement end and other blockchain network nodes implement payment settlement through processes such as consensus. Of course, the details are not repeated here. In the following embodiment, a scenario in which a clearing house is a server will be described.
It should be noted that, in order to enable payment, in an actual business scenario, a first device may be associated with first user information and a second device with second user information.
The first user information may include: user id of the first user, account information registered by the first user at the service server or the payment server of the third party payment platform, and the like. Similarly, the second user information may include: the userID of the second user, account information registered by the second user on the service server or the payment server of the third party payment platform, and the like. Of course, this is not a limitation of the present application.
Based on the architecture described in fig. 1, the technical solutions provided by the embodiments of the present application will be described in detail below.
In this embodiment of the present application, the payment process based on the first device side may be as shown in fig. 2, and specifically includes the following steps:
step S201: the first device monitors a second device associated with the service.
As described above, the second user needs to use the second device (i.e., the second device is considered to be related to the service to be obtained by the second user) in the process of performing service interaction with the first device, so as to obtain the corresponding service. The first device may then monitor the second device used by the second user. In the embodiment of the application, the first device may implement monitoring of the second device by establishing a communication connection with the second device through a communication technology such as bluetooth communication, near field communication (Near Field Communication, NFC), radio frequency identification (Radio Frequency Identification, RFID) communication, and so on. Of course, nothing herein should be taken as a limitation on the present application.
Step S202: and when the second equipment is monitored, acquiring the second user information and payment information matched with the service.
As described above, the second device is bound with the second user information, and then the first device may establish a communication connection with the second device to obtain the second user information. The manner of communication connection is as described above and will not be described in detail here.
In addition, the services to be obtained by the second user often correspond to different payment information. For example: the user uses different types of business services, which are different in the amount they need to pay, where the amount can be regarded as a kind of payment information.
In this embodiment of the present application, the payment information may include: the amount information to be paid, order number, business service type information, etc., are not particularly limited herein.
Step S203: executing the service, generating a payment request according to the first user information, the second user information and the payment information, and sending the payment request to a server so that the server processes the payment request.
As described above, when the first device is a device capable of directly providing the service, the service is executed, which may be considered that the first device directly provides the corresponding service to the second user, for example: the automatic coffee machine is used for making coffee beverage, the intelligent oiling machine is used for conveying oil to the automobile, the vending machine is used for delivering goods, and the like. When the first device is a device related to the business service, the first device performs operations that can enable the second user to obtain the business service, such as: the intelligent door lock performs automatic unlocking to enable a user to use a hotel room.
Furthermore, in the embodiments of the present application, the first device maintains a network connection with the server. The processing of the payment request by the server may be considered to be transferring the corresponding amount of credit from the account of the second user to the account of the first user according to the payment amount carried in the payment information. And will not be described in detail here.
It can be understood that, because the first device can automatically monitor and acquire the second user information and the corresponding payment information, the additional execution of the corresponding payment operation by the second user after the service operation is executed is reduced or avoided, so that the user has weak or even no perception on the payment process.
Through the above steps, in a business scenario involving payment in part, an individual user (i.e., a second user) may interact with a first device affiliated with a business provider user (i.e., a first user) using a second device to which the user's own user information is bound, to obtain a corresponding business service. In such a business scenario, the first device will monitor the second device used by the individual user to obtain business services. After the second device is monitored, the first device automatically acquires user information of the individual user and payment information bound with the second device. In the embodiment of the application, the process of acquiring the information by the first device is weakly perceived or unaware to the individual user, and the individual user is not required to actively send out a payment operation. After that, the first device transmits the acquired information and the user information of the service provider user to the server providing the payment service, so that the server completes the payment process based on the information.
Compared with the prior art, the payment process and the process of obtaining the business service by the user are integrated, and the user does not need to actively initiate additional payment operation, so that the operation required by the user in the process of obtaining the business is reduced, and the convenience is improved.
As another application scenario in the embodiment of the present application, the second user may further send out a corresponding business operation during the process of obtaining the business service by using the second device, for example: the second user may select a corresponding kind of coffee on the intelligent coffee machine, where the selection operation of the second user is a business operation. That is, in the embodiment of the present application, the business operation may be considered as an action, an instruction, etc. issued by the second user to obtain the business service, and it should be noted that the business operation in the embodiment of the present application does not include a payment operation, in other words, the user does not need to use any payment tool.
The first device monitors the second device related to the service, specifically: the first device monitors a business operation sent by a second user and the second device is related to the business operation.
As described above, the user needs to use the second device in the process of obtaining the business service, and in this scenario, the user sends out a corresponding business operation to obtain the business service, and then the second device related to the business may be regarded as the second device related to the business operation.
Of course, in actual operation, the first device may monitor the operation of the service issued by the second user, such as by its own sensor, signal acquisition unit, etc. The specific limitation is not particularly limited herein.
Based on this, in the foregoing step S202, the second user information and the payment information matched with the service may be obtained specifically as follows: and acquiring the second user information and payment information generated based on the business operation.
The business operations issued by the second user generally correspond to corresponding business services, whereas in an actual business scenario, different business services correspond to different payment information. For example: the user selects the corresponding type of coffee drink on the automatic coffee machine, while the amount to be paid for the different types of coffee drink is different. The first device may then further obtain payment information generated by the business operation.
Of course, in an actual service scenario, the first device may fail to acquire the second user information due to a problem of communication connection with the second device, in this case, the first device may perform a retry operation, and after a set number of retries, the first device may interrupt the service flow and prompt that the second user information is still not successfully acquired.
Taking an intelligent coffee machine as an example: assuming that a user selects a certain kind of coffee on the intelligent coffee machine and places an intelligent water cup with the user's own payment account number bound on the outlet of the intelligent coffee machine, if the intelligent coffee machine does not successfully obtain the user's payment account number bound on the intelligent water cup, the intelligent coffee machine will not perform the making of the coffee.
That is, in the embodiment of the present application, the first device will execute the service flow after acquiring the second user information.
In addition, in the stage of providing the business service, the first device may fail to execute the business due to an operation failure or the like. But at this point the first device has sent the corresponding payment request to the server, which may have completed the payment. For this case, the first device would monitor the traffic status and if it is monitored that the traffic status was not successfully performed, the first device would send a cancel payment request to the server to cause the server to cancel the completed payment process (i.e., rollback transaction). This should not be construed as limiting the present application.
The foregoing is a payment process based on the first device side, and on the server side, a payment method is further provided in the embodiments of the present application, which may also be based on the architecture shown in fig. 1, and the specific process may be shown in fig. 3, and includes the following steps:
Step S301: the server receives a payment request sent by the first device.
Wherein the payment request is generated by the first device based on the monitored business operation of the second user and the second device associated with the business operation. Of course, based on the foregoing, the payment request may include the first user information, the second user information, and the payment information.
Step S302: and executing payment according to the payment request, and detecting the payment state.
In an actual payment scenario, after receiving the payment request, the server will process the payment request, i.e. execute the payment according to the payment request. However, the second user's payment account may be subject to conditions such as insufficient balance, the account being frozen, etc., and the first user's payment account may be subject to account anomalies, which may result in a payment failure. Therefore, the server will detect the payment status after the payment has been performed.
For the case where an abnormality occurs in the payment state, the service will perform step S303 described below.
Step S303: and when the payment state abnormality is detected, recording the payment request.
For step S303, the server records for the payment request to execute the payment based on the recorded payment request again at a later time. Therefore, the method of recording the payment request by the server when the payment status is abnormal can be regarded as a "charge" processing method, that is, although the payment fails, the second user can still normally obtain the service provided by the first device, and the server can execute payment deduction at a future time.
Obviously, due to the adoption of the payment mode of 'charge account', the user can be ensured to normally obtain corresponding business service, and the business experience of the user can be improved.
In the actual operation process, the server may perform payment attempt based on the recorded payment request according to a set period until the payment state after payment is performed is normal, or the server may monitor the corresponding payment triggering condition by adopting a corresponding monitoring function, and perform payment based on the recorded payment request when the payment triggering condition is monitored. Wherein, the payment triggering condition may include: the thawing of the payment account of the first user or the payment account of the second user, the balance in the payment account of the second user being not less than the payment amount corresponding to the payment request, etc., of course, does not constitute a limitation of the present application.
In addition, as a feasible manner in the embodiment of the present application, when the payment is abnormal, the server generates corresponding abnormal identification information, establishes a corresponding relationship with the second user information, and sends the abnormal identification information to the second device. The second device prompts based on the abnormal identification information after receiving the abnormal identification information. For example: the second device may prompt in a light display, sound, etc. to prompt the second user that the payment is abnormal.
At the second device side, the embodiment of the present application further provides a payment method, which may also be based on the architecture shown in fig. 1, and the specific process may be shown in fig. 4a, and includes the following steps:
step S401: the second device establishes communication connection with the first device under the action of the first device.
As previously described, the first device monitors the second device and, upon monitoring the second device, obtains second user information associated with the second device. The process of the first device obtaining the second user information is actually a process of establishing a communication connection between the first device and the second device and transmitting data.
The communication connection may be the aforementioned connection of bluetooth, NFC, RFID, etc.
Step S402: and transmitting the second user information to the first device based on the communication connection.
In addition, at the second device side, the embodiment of the present application further provides a payment method, and the specific process may be as shown in fig. 4b, including the following steps:
step S411: and receiving the abnormal identification information sent by the server.
As described above, the anomaly identification information is generated when the server receives a payment request sent by the first device based on the monitored second device, and detects anomaly in the payment state according to the payment request.
Step S412: and carrying out abnormality prompt according to the abnormality identification information.
The indication of the abnormality identification information may be performed by means such as a light indication, a sound indication, etc., and is not particularly limited herein. The prompt of the abnormal identification information is used for informing the user that the payment is unsuccessful after a certain business operation.
In combination with the above method, in an actual payment scenario, the above payment method in the embodiment of the present application may be as shown in fig. 5, and includes the following steps:
step S501: the user sends out business operation aiming at the first equipment.
Step S502: the first device monitors business operations sent by the user and monitors the second device.
Step S503: and acquiring account information of the user bound with the second device.
Step S504: the first device determines that the payment status of the user's account is normal.
Step S505: the first device initiates a payment request to a server.
Step S506: the server performs payment according to the payment request and detects a payment status.
Step S507: when detecting that the payment state is abnormal, the server records the payment request, generates abnormal identification information corresponding to the account information of the user and sends the abnormal identification information to the second device.
Step S508: and the second equipment prompts according to the abnormal identification information.
Step S509: the server performs payment for the recorded payment information.
Step S510: and eliminating the abnormal identification information after successful payment aiming at the recorded payment information.
It should be understood that the steps shown in fig. 5 are merely one general procedure in the actual payment scenario in the embodiment of the present application, and the order of the steps performed should not be construed as limiting the present application. The adjustment of the execution sequence of the steps can be specifically performed according to the actual application requirement.
Based on the payment flow in fig. 5, the following is described with several specific application examples:
1. payment scene based on intelligent coffee machine
In this scenario, a smart coffee machine (i.e., a first device) is provided within a coffee shop (i.e., a merchant), which is able to make and provide different kinds of coffee drinks for a consumer (i.e., a second user), who uses a smart water cup (i.e., a second device) as a container for holding coffee. In addition, the intelligent water cup is bound with the payment account of the consumer, and the intelligent coffee machine is bound with the payment account of the merchant.
On this basis, the consumer selects a certain kind of coffee on the smart coffee machine (i.e. issues a business operation) and places the smart water cup at the outlet of the smart coffee machine. The intelligent coffee machine determines the amount of coffee selected by the consumer, establishes communication connection with the intelligent water cup through near field communication, and obtains a payment account of the consumer bound by the intelligent water cup. After successful acquisition of the consumer's payment account, the smart coffee machine makes coffee. Meanwhile, the intelligent coffee machine sends the amount to be paid, the payment account of the consumer and the payment account of the merchant to the payment server so as to apply for payment deduction.
And the payment server deducts the corresponding amount of money from the payment account of the consumer according to the amount required to be paid and transfers the money to the payment account of the merchant. If the balance in the consumer account is insufficient or the payment is not successful after a set number of attempts, the payment server records the payment, and forms a 'charge' record. When the payment condition is met, the payment server will pay preferentially for the "credit" record. Meanwhile, the payment server sends an abnormal identifier to the intelligent water cup, and the intelligent water cup carries out abnormal prompt according to the abnormal identifier, such as: be provided with the warning light on the intelligent drinking cup, then, intelligent drinking cup can be according to unusual sign, shows the warning light red to show that the payment appears unusual.
The intelligent coffee machine also monitors whether coffee is being provided normally and if not, sends a transaction retraction request to the payment server to cause the server to rollback the transaction.
2. Payment scene based on intelligent door lock
In this scenario, a customer (i.e., a second user) may swipe (i.e., business operate) a smart door lock (i.e., a first device) against each guest door of a hotel (i.e., a merchant) using a smart door card (i.e., a second device) that has the customer's own payment account bound. And the intelligent door lock acquires a payment account of the consumer bound with the intelligent door card during the card swiping operation of the consumer, sends the payment account of the consumer, the payment account of the hotel and the preset payment amount to the payment server, and simultaneously, automatically performs unlocking.
In this example, the process of performing payment by the server may refer to the foregoing, and will not be described in detail here.
3. Payment scene based on intelligent oiling machine
In this scenario, a gas station (i.e., a merchant) installs an intelligent fuel dispenser (i.e., a first device) that a user (i.e., a second user) can use to fuel the user's smart car (i.e., the second device). Wherein the smart car binds the user's payment account. When a user connects the oil gun of the intelligent oil feeder to the oil delivery port of the intelligent automobile, the intelligent oil feeder establishes communication connection with the intelligent automobile through a communication chip arranged on the oil gun, and a payment account of the user is acquired. Meanwhile, along with the pressing of a valve of the oiling gun by a user, the intelligent oiling machine conveys oil into the intelligent automobile. The fuel gauge on the fuel dispenser will count the fuel delivery and thereby generate the desired payment amount. Thereafter, the intelligent fuel dispenser sends the payment account of the user, the payment account of the gas station, and the amount of the payment required to the payment server.
In this example, the process of performing payment by the server may refer to the foregoing, and will not be described in detail here.
Of course, besides the above-listed examples, the payment scenario based on the intelligent meal dispenser, the payment scenario based on the vending machine, etc. are also applicable to the above-mentioned payment method of the present application, and specific reference may be made to the above-mentioned examples, which will not be repeated here.
As can be seen from the above examples, it is the payment method of the present application that is adopted, so that the user only needs to perform the corresponding business operation, and does not need to perform additional payment operation in the process of acquiring the business service.
The payment method provided in the embodiment of the present application is based on the same concept, and the embodiment of the present application further provides a payment device (i.e., the foregoing first device).
As shown in fig. 6, the payment device is associated with first user information, while the second device is associated with second user information, the payment device comprising:
a monitoring module 601, configured to monitor a second device associated with a service;
the information obtaining module 602 obtains the second user information and payment information matched with the service when the second device is monitored;
and the processing module 603 generates a payment request according to the first user information, the second user information and the payment information, and sends the payment request to a server, so that the server processes the payment request.
The service component 600 performs the service.
Here, the business component 600 is a hardware structure that can provide business services or relate to business services on the payment device shown in fig. 6. For example: smart coffee makers, vending machines, etc.
The business component 600 and the modules may be independent from each other, or the modules may be all or partially carried on the business component 600. The present invention is not particularly limited herein.
The monitoring module 601 monitors a service operation sent by a second user and a second device related to the service operation;
the information obtaining module 602 obtains the second user information and payment information generated based on the service operation.
The payment information at least comprises: a payment amount. The processing module 603 determines a service type corresponding to the service operation, determines a payment amount matched with the service operation according to a preset corresponding relation between the service type and the payment amount, and generates payment information of the service operation according to the payment amount.
The apparatus further comprises: and the payment revocation module 604 monitors a service state, and when the service state is not successfully executed, sends a revocation request to the server so that the server revokes the processing of the payment request.
The apparatus further comprises: and the determining module 605 determines that the payment state corresponding to the second user information is normal before executing the service according to the service operation.
The apparatus shown in fig. 6 may specifically include: means for providing a business service for the second user, or means associated with a business service; wherein the payment device is capable of issuing a payment request to a server. Such as: intelligent door lock, intelligent coffee machine, intelligent get meal machine, intelligent tanker aircraft, vending machine.
The second device includes: the second user obtains equipment required by business services provided by or related to the first equipment. Such as: intelligent door card, intelligent drinking cup, intelligent lunch-box, intelligent car, intelligent shopping card.
The embodiment of the application also provides a payment device based on the server side, as shown in fig. 7, the device includes:
a receiving module 701, configured to receive a payment request sent by a first device; wherein the payment request is generated by the first device based on the monitored second device associated with the service;
the processing module 702 executes payment according to the payment request and detects a payment status;
a recording module 703, configured to record the payment request when the payment status abnormality is detected.
The processing module 702 executes payment based on the recorded payment request until the payment state is normal, or monitors a payment trigger condition, and executes payment based on the recorded payment request when the payment trigger condition is monitored.
The apparatus further comprises: and the abnormality marking module 704 is used for generating abnormality identification information for the second user information when the processing module detects that the payment state of the second user information corresponding to the second device is abnormal, so that the second device bound with the second user information carries out abnormality prompt based on the abnormality identification information.
The embodiment of the present application further provides a payment device (i.e. the aforementioned second device), as shown in fig. 8, the payment device being associated with second user information, the payment device comprising:
an equipment body 800 carrying a communication module 801;
the communication module 801 establishes a communication connection with a first device under the action of the first device, and sends the second user information to the first device based on the communication connection.
Based on the payment device shown in fig. 8, the embodiment of the present application further provides a payment device (also a second device), as shown in fig. 9, including:
the device body 900, the bearing receiving module 901 and the prompting module 902;
a receiving module 901, for receiving the abnormal identification information sent by the server; the server receives a payment request sent by the first device after the first device is based on the monitored second device, and generates the abnormal identification information when the abnormal identification information is detected on the payment state according to the payment request.
And a prompting module 902 for prompting the abnormality according to the abnormality identification information.
Corresponding to the application examples listed in the foregoing method content:
1. payment scene based on intelligent coffee machine
Embodiments of the present application provide an intelligent coffee machine (i.e., a first device) comprising:
the machine body can be used for making coffee beverage according to the operation of consumers.
And the monitoring module is used for monitoring the intelligent water cup.
And the information acquisition module is used for acquiring consumer information and payment information associated with the intelligent water cup when the intelligent water cup is monitored.
And the processing module is used for generating a payment request according to the merchant information, the consumer information and the payment information which are associated with the intelligent coffee machine and sending the payment request to the settlement terminal.
The embodiment of the application also provides an intelligent water cup (namely, a second device), which comprises:
the cup body can hold beverage.
The communication module is in communication connection with the intelligent coffee machine and sends consumer information associated with the intelligent water cup to the intelligent coffee machine based on the communication connection; and the abnormal identification information sent by the settlement end can also be received.
And the prompt module is used for carrying out abnormal prompt according to the abnormal identification information.
2. Payment scene based on intelligent door lock
The embodiment of the application provides an intelligent door lock (namely, first equipment), which comprises the following components:
a door lock assembly that can perform physical locking and physical unlocking.
And the monitoring module is used for monitoring the intelligent door card.
And the information acquisition module is used for acquiring consumer information and payment information associated with the smart door card when the smart door card is monitored.
And the processing module generates a payment request according to the merchant information, the consumer information and the payment information which are related to the intelligent door lock, and sends the payment request to the settlement terminal.
The embodiment of the application also provides a smart door card (i.e. a second device), which comprises:
and (5) an entity card.
The communication module is used for establishing communication connection with the intelligent door lock and sending consumer information associated with the intelligent door card to the intelligent door lock based on the communication connection; and the abnormal identification information sent by the settlement end can also be received.
And the prompt module is used for carrying out abnormal prompt according to the abnormal identification information.
3. Payment scene based on intelligent oiling machine
Embodiments of the present application provide an intelligent fuel dispenser (i.e., a first device) comprising:
the engine body and the oil delivery assembly can be used for storing and delivering oil.
And the monitoring module is used for monitoring the intelligent automobile and the oil delivery quantity.
And the information acquisition module is used for acquiring consumer information associated with the intelligent automobile and payment information corresponding to the oil transportation amount when the intelligent automobile and the oil transportation amount are monitored.
And the processing module is used for generating a payment request according to the merchant information, the consumer information and the payment information which are associated with the intelligent oiling machine and sending the payment request to the settlement terminal.
The embodiment of the application also provides a smart car (i.e. a second device), comprising:
and a vehicle body.
The communication module is used for establishing communication connection with the intelligent oiling machine and sending consumer information associated with the intelligent automobile to the intelligent oiling machine based on the communication connection; and the abnormal identification information sent by the settlement end can also be received.
And the prompt module is used for carrying out abnormal prompt according to the abnormal identification information.
Of course, the payment device provided in the embodiments of the present application is not limited to the above examples, and will not be described in detail here.
In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present application.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular transactions or implement particular abstract data types. The application may also be practiced in distributed computing environments where transactions are performed by remote processing devices that are connected through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims (11)

1. A payment method, a first device associated with first user information, a second device associated with second user information; the method comprises the following steps:
a first device monitors a second device associated with a service, said first device comprising: a device for directly providing business services for the second user;
when the second equipment is monitored, acquiring the second user information and payment information matched with the service; wherein the second user information is bound to the second device, the second device comprising: the second user obtains equipment required by business services provided by the first equipment;
Executing the service, generating a payment request according to the first user information, the second user information and the payment information, and sending the payment request to a settlement terminal.
2. The method according to claim 1, wherein the first device monitors the second device associated with the service, in particular comprising:
the first equipment monitors business operation sent by a second user and second equipment related to the business operation;
the obtaining of the second user information and the payment information matched with the service specifically comprises the following steps:
and acquiring the second user information and payment information generated based on the business operation.
3. The method of claim 2, wherein the payment information includes at least: a payment amount;
generating payment information based on the business operation specifically comprises the following steps:
determining a service type corresponding to the service operation;
determining the payment amount matched with the business operation according to the corresponding relation between the preset business type and the payment amount;
and generating payment information of the business operation according to the payment amount.
4. The method of claim 1, the method further comprising:
the first equipment monitors a service state;
and when the service state is monitored to be unsuccessfully executed, sending a revocation request to the settlement terminal so that the settlement terminal revokes the processing of the payment request.
5. The method of claim 1, prior to executing the service, the method further comprising:
and the first equipment determines that the payment state corresponding to the second user information is normal.
6. The method of any of claims 1-5, the first device further comprising: means for associating with a business service; the first device is further used for sending a payment request to a settlement end;
the second device includes: the second user obtains equipment required for business services associated with the first equipment.
7. A payment device associated with first user information, a second device associated with second user information; the apparatus comprises:
the monitoring module monitors a second device related to the service, wherein the first device comprises: a device for directly providing business services for the second user;
the information acquisition module is used for acquiring the second user information and the payment information matched with the service when the second equipment is monitored; wherein the second device comprises: the second user obtains equipment required by business services provided by the first equipment;
a service component executing a service;
and the request transmission module generates a payment request according to the first user information, the second user information and the payment information and sends the payment request to a settlement terminal.
8. The device of claim 7, the monitoring module to monitor a business operation by a second user and a second device associated with the business operation;
the information acquisition module acquires the second user information and payment information generated based on the business operation.
9. The apparatus of claim 7, wherein the payment information includes at least: a payment amount;
the processing module determines the service type corresponding to the service operation, determines the payment amount matched with the service operation according to the corresponding relation between the preset service type and the payment amount, and generates the payment information of the service operation according to the payment amount.
10. The apparatus of claim 9, the device further comprising: and the payment revocation module is used for monitoring the service state, and sending a revocation request to the settlement terminal when the service state is not successfully executed, so that the settlement terminal revokes the processing of the payment request.
11. The apparatus of claim 7, the device further comprising: and the determining module is used for determining that the payment state corresponding to the second user information is normal before executing the service according to the service operation.
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