CN111415143B

CN111415143B - Payment device and payment method and device thereof

Info

Publication number: CN111415143B
Application number: CN202010223259.8A
Authority: CN
Inventors: 张燚; 张垒垒
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-03-26
Filing date: 2020-03-26
Publication date: 2022-10-04
Anticipated expiration: 2040-03-26
Also published as: CN111415143A

Abstract

The embodiment of the specification provides a payment device and a payment method and device thereof, wherein the payment device comprises: the main control module is used for responding to the payment operation of the user and determining a target payment mode; the acquisition module is connected with the main control module and scans the appointed payment code image when the target payment mode is the first payment mode; the safety module is connected with the main control module and used for storing payment certificate information of the appointed payment application; the communication module is connected with the main control module, and is used for sending a first payment request to the server according to first payment information and payment certificate information determined based on the payment code image so that the server can carry out payment processing according to the first payment information and the payment certificate information and receive payment processing result information sent by the server; the payment voucher information is voucher information for payment based on a payment account pre-bound by the payment equipment.

Description

Payment device and payment method and device thereof

Technical Field

The document relates to the technical field of intelligent equipment, in particular to payment equipment and a payment method and device thereof.

Background

The mobile payment is not strange to people, and the user can finish the payment by owning one smart phone without preparing cash or making change by a merchant. However, for some groups, the smart phone is inconvenient or inadmissible to use, for example, for the elderly, a payment application needs to be found from the smart phone first during payment, a payment icon needs to be found from a plurality of icons displayed on a page after the payment application is opened, and then mobile payment is performed based on a payment function, which is very complicated for the elderly and is not convenient; furthermore, for students in middle and primary schools, the use of smart phones is not allowed no matter the management system of the school side or the management and control mode of parents. Therefore, how to enable the elder, middle and primary school students and other groups to conveniently carry out mobile payment without using a smart phone and the like is a problem to be solved urgently.

Disclosure of Invention

One or more embodiments of the present disclosure are directed to a payment device, a payment method and a payment apparatus thereof, so that payment can be performed quickly and conveniently without a device such as a smartphone.

To solve the above technical problem, one or more embodiments of the present specification are implemented as follows:

one or more embodiments of the present specification provide a payment device comprising:

the main control module is used for responding to the payment operation of the user and determining a target payment mode;

the acquisition module is connected with the main control module and scans the appointed payment code image when the target payment mode is a first payment mode;

the safety module is connected with the main control module and used for storing payment certificate information of the appointed payment application; the payment credential information is credential information for payment based on a payment account of the payment application pre-bound by the payment device;

and the communication module is connected with the main control module, and is used for sending a first payment request to a server according to the first payment information determined based on the payment code image and the payment certificate information, so that the server performs payment processing according to the first payment information and the payment certificate information, and receives payment processing result information sent by the server.

One or more embodiments of the present specification provide a payment method applied to a payment device, including:

responding to the payment operation of the user, and determining a target payment mode;

if the target payment mode is the first payment mode, determining first payment information based on the scanned specified payment code image;

sending a first payment request to a server according to the first payment information and the stored payment voucher information, so that the server performs payment processing according to the first payment information and the payment voucher information; the payment certificate information is certificate information for payment based on a payment account of a payment application pre-bound by the payment equipment;

and receiving payment processing result information sent by the server.

One or more embodiments of the present specification provide a payment method, applied to a server, including:

receiving a first payment request sent by a payment device; wherein the first payment request comprises payment credential information and first payment information; the payment voucher information is voucher information of payment of the payment equipment based on a pre-bound payment account of the payment application;

performing payment processing according to the payment voucher information and the first payment information;

and sending payment processing result information to the payment equipment.

One or more embodiments of the present specification provide a payment apparatus, applied to a payment device, including:

the first determining module is used for responding to the payment operation of the user and determining a target payment mode;

the second determination module is used for determining first payment information based on the scanned appointed payment code image if the target payment mode is the first payment mode;

the sending module is used for sending a first payment request to a server according to the first payment information and the stored payment certificate information so as to enable the server to carry out payment processing according to the first payment information and the payment certificate information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

and the receiving module is used for receiving the payment processing result information sent by the server.

One or more embodiments of the present specification provide a payer apparatus, applied to a server, including:

the payment device comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving a first payment request sent by the payment device; wherein the first payment request includes payment credential information and first payment information; the payment voucher information is voucher information of payment of the payment equipment based on a pre-bound payment account of the payment application;

the processing module is used for carrying out payment processing according to the payment voucher information and the first payment information;

and the sending module is used for sending payment processing result information to the payment equipment.

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

sending a first payment request to a server according to the first payment information and the stored payment voucher information so that the server performs payment processing according to the first payment information and the payment voucher information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

and receiving payment processing result information sent by the server.

One or more embodiments of the present specification provide a payment device, including:

a processor; and the number of the first and second groups,

receiving a first payment request sent by a payment device; wherein the first payment request includes payment credential information and first payment information; the payment voucher information is voucher information of payment of the payment equipment based on a pre-bound payment account of the payment application;

and sending payment processing result information to the payment equipment.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following:

sending a first payment request to a server according to the first payment information and the stored payment voucher information, so that the server performs payment processing according to the first payment information and the payment voucher information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

and receiving payment processing result information sent by the server.

and sending payment processing result information to the payment equipment.

The payment device provided in an embodiment of the present specification, as a proprietary device of a payment application corresponding to a bound payment account, can perform payment based on the bound payment account when it is determined that a target payment mode is a first payment mode, so that quick payment can be performed without a smart phone or without being convenient to operate the smart phone, and the like.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a schematic diagram of a first scenario of a payment method according to one or more embodiments of the present disclosure;

fig. 2 is a schematic diagram of a second scenario of a payment method provided in one or more embodiments of the present specification;

fig. 3 is a first schematic diagram of a payment device according to one or more embodiments of the present disclosure;

fig. 4 is a second schematic illustration of a payment device according to one or more embodiments of the present disclosure;

fig. 5 is a third schematic diagram of a payment device provided in one or more embodiments of the present disclosure;

fig. 6 is a fourth schematic diagram of a payment device according to one or more embodiments of the present disclosure;

fig. 7 is a fifth schematic diagram of a payment device according to one or more embodiments of the present disclosure;

fig. 8 is a sixth schematic illustration of a payment device according to one or more embodiments of the present disclosure;

fig. 9 is a seventh schematic diagram of a payment device according to one or more embodiments of the present disclosure;

fig. 10 is an eighth schematic block diagram of a payment device according to one or more embodiments of the present disclosure;

fig. 11 is a first schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

fig. 12 is a second flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 13 is a third schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

fig. 14 is a schematic diagram illustrating a fourth scenario of a payment method according to one or more embodiments of the present disclosure;

FIG. 15 is a first detailed diagram of step S200-4 provided in one or more embodiments of the present description;

FIG. 16 is a diagram illustrating a second refinement of step S200-4 provided in one or more embodiments of the disclosure;

fig. 17 is a fifth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 18 is a sixth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 19 is a seventh flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 20 is a first flowchart of a binding process performed by a server according to one or more embodiments of the present disclosure;

fig. 21 is a second flowchart of a binding process performed by a server according to one or more embodiments of the present disclosure;

fig. 22 is a schematic diagram illustrating a first module of a payment device according to one or more embodiments of the present disclosure;

fig. 23 is a schematic diagram illustrating a second module of a payment device according to one or more embodiments of the present disclosure;

fig. 24 is a schematic structural diagram of a payment device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step, shall fall within the scope of protection of this document.

It is considered that not only are there currently some groups of users that do not have the convenience or permission to operate smartphones for mobile payments, but also some merchants are not equipped with payment collection devices such as code-scanning guns. Based on this, one or more embodiments of the present specification provide a payment device with a scanning function, and in a case of being separated from a smartphone, a quick payment can be performed in a manner of scanning a payment code, so as to adapt to a payment scenario in which a payment apparatus is not equipped.

Fig. 1 is a schematic view of an application scenario of a payment method of a payment device according to one or more embodiments of the present specification, where as shown in fig. 1, the scenario includes: a payment device and a server; the payment device is in data communication with a client of a designated payment application in advance so as to bind a payment account of the payment application, namely the payment device is used as a proprietary payment device of the payment application, and payment is carried out based on the payment account; the server is a server corresponding to the payment application bound to the payment device, and may be an independent server or a server cluster composed of a plurality of servers.

Specifically, the payment device responds to the payment operation of the user, determines a target payment mode, and determines first payment information based on a scanned specified payment code image when the target payment mode is a first payment mode; sending a first payment request to a server side according to the first payment information and the stored payment certificate information; the payment code image is provided by a merchant, and the payment certificate information is certificate information for payment based on a payment account pre-bound by the payment equipment. The server receives a first payment request sent by the payment equipment, performs payment processing according to first payment information and payment certificate information included in the first payment request, and sends payment processing result information to the payment equipment; and the payment equipment receives the payment processing result information sent by the server. Therefore, the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out in a mode of scanning the appointed payment code image based on the bound payment account, the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Further, the payment device not only supports the first payment method, i.e., the code scanning payment method, but also supports a second payment method, i.e., a payment method in which the payment code is displayed so that the payment is completed by scanning the payment device of the merchant, which is also referred to as a scanned payment method. Accordingly, as shown in fig. 2, the payment scenario includes: the payment device, the collection device and the server side; specifically, the payment equipment responds to the payment operation of the user and determines a target payment mode; if the target payment mode is the second payment mode, generating second payment code information based on the stored payment certificate information, and displaying a payment code corresponding to the second payment code information; the payment code is scanned by the collection device, and a second payment request is sent to the server side based on second payment information and second payment code information obtained by scanning the payment code; and the server receives the second payment request, acquires the payment certificate information from the second payment code information, performs payment processing according to the second payment information and the payment certificate information, and sends payment processing result information to the payment device and the collection device. Therefore, the payment device serves as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the second payment mode, payment can be conducted in a scanned mode through displaying the payment code based on the bound payment account, the rapid payment requirement that a user is separated from a smart phone is met, and the payment device is simple to operate, suitable for more user groups and universal in applicability.

Based on the application scenario architecture, one or more embodiments of the present specification provide a payment device. Fig. 3 is a schematic diagram illustrating a module composition of a payment device according to one or more embodiments of the present disclosure, where, as shown in fig. 3, the payment device includes:

a main control module 101, which responds to the payment operation of the user and determines the target payment mode;

the acquisition module 102 is connected with the main control module 101 and scans the appointed payment code image when the target payment mode is the first payment mode;

a security module 103, connected to the main control module 101, for storing payment credential information of a specific payment application; the payment certificate information is certificate information for payment based on a payment account bound in advance by the payment equipment;

and the communication module 104 is connected with the main control module 101, and sends a first payment request to the server according to the first payment information and the payment certificate information determined based on the payment code image, so that the server performs payment processing according to the first payment information and the payment certificate information, and receives payment processing result information sent by the server.

The payment device provided by one or more embodiments of the present specification is a proprietary device of a payment application corresponding to a bound payment account, and when it is determined that a target payment method is a first payment method, payment can be performed by scanning an image of a specified payment code based on the bound payment account, so that a demand of a user for quick payment without a smartphone is met, and the payment device can be applied to a payment scene where a merchant is not equipped with a payment receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

In one or more embodiments of the present description, the payment device may be a smart card with payment functionality, for portability and ease of use. The smart card comprises a security module 103 for storing sensitive data related to transactions, and the problem that the storage security level of the sensitive data related to user transactions is weak due to the fact that no security module exists in the existing part of smart cards is solved. The security module may also be referred to as a Security Element (SE), and optionally, the security module 103 may adopt any one of a Z32HUAJQ1 chip, a Z32HUBJQ1 chip, an N32S032JQ1 chip, and other security chips.

Further, in order to ensure the security of payment, in one or more embodiments of the present specification, as shown in fig. 4, the security module 103 may include: an encryption/decryption circuit;

the encryption and decryption circuit is used for encrypting the payment certificate information to obtain first ciphertext data when the payment equipment pays based on the bound payment account;

correspondingly, the communication module 104 sends a first payment request to the server according to the first payment information and the first ciphertext data determined based on the payment code image; and the server decrypts the first ciphertext data according to a first preset decryption mode to obtain payment certificate information, and performs payment processing according to the first payment information and the payment certificate information.

It should be noted that, in the payment device in the embodiment of the present specification, a special hardware encryption and decryption manner is used to perform encryption and decryption processing on corresponding data, which is different from a software encryption manner of a mobile phone. The payment equipment encrypts information related to the appointed payment application in a hardware encryption mode and sends encrypted ciphertext data to a server side corresponding to the appointed payment application; and when the server determines that the received data is from the payment equipment, the server decrypts the received ciphertext data in the same encryption and decryption mode and encrypts the data sent to the payment equipment.

As described above, the payment device provided in the embodiments of the present specification not only supports the first payment method, i.e., the code scanning payment method; but also supports a second payment method, the scanned payment method. In order to enable the user to select an appropriate payment method according to an actual payment scenario, as shown in fig. 5, the payment device may further include: a display module 105 connected to the main control module 101;

the display module 105 is used for displaying a plurality of preset payment modes based on the control information sent by the main control module 101 so that a user can select a required payment mode in a touch mode;

correspondingly, the main control module 101 determines a payment method selected by the user from the plurality of payment methods displayed by the display module 105 as a target payment method.

Alternatively, as shown in fig. 6, the payment apparatus further includes: a key module 106 connected to the main control module 101;

a key module 106 for user operation to select payment mode;

correspondingly, the main control module 101 detects the operation state of the key module 106, and determines the target payment mode according to the detected operation state.

Optionally, the key module 106 includes a selection key, and presets different operation modes to represent different payment modes; for example, a single click on the selection key is set to represent a payment mode as a first payment mode, a double click on the selection key is set to represent a payment mode as a second payment mode, and correspondingly, when the main control module 101 detects a single click operation state of the selection key, a target payment mode is determined as the first payment mode, and when a double click operation state of the selection key is detected, a target payment mode is determined as the second payment mode; for another example, the payment mode represented by pressing the selection key for a long time is set as a first payment mode, the payment mode represented by pressing the selection key for a short time is set as a second payment mode, and the like, and the payment mode can be set in practical application according to needs. Or, the key module 106 includes two selection keys, one of which corresponds to the first payment method and the other of which corresponds to the second payment method; correspondingly, the main control module 101 determines the payment mode corresponding to the detected pressed key as the target payment mode.

Therefore, when the user uses the payment equipment to pay, the user only needs to touch the display interface or operate the selection key to select the payment mode to carry out convenient payment, and the user does not need to search for payment applications, open the payment applications, search for payment functions and other series of operations during payment through the smart phone. The payment equipment provided by the embodiment of the specification is simple to operate, is suitable for more user groups, and has universal applicability.

Since in the first payment method, the user is generally required to input the payment amount, in one or more embodiments of the present specification, as shown in fig. 7, on the basis that the payment device includes the display module 105, the method may further include: an input module 107;

specifically, the communication module 104 sends a merchant information acquisition request to the server according to first payment code information in the payment code image, so that the server analyzes the first payment code information to obtain corresponding merchant information; receiving merchant information sent by the server;

a display module 105 displaying a payment confirmation interface to ask the user whether to confirm the payment; the payment confirmation interface comprises merchant information and a payment amount input box;

an input module 107 for a user to input a payment amount in the payment amount input box;

the communication module 104 is used for responding to the payment confirmation operation of the user based on the payment confirmation interface and acquiring the payment amount from the payment amount input box; and determining the payment amount and the merchant information as the first payment information, or determining the payment amount as the first payment information.

The input module 107 may be a physical key or a virtual key.

Further, in order to enable the server to correspond each payment request to the merchant so as to perform effective payment processing, the server generates an order identifier when receiving the merchant information acquisition request, and sends the merchant information and the order identifier to the payment device in an associated manner. Correspondingly, the communication module 104 receives the merchant information and the order identifier sent by the server; and sending a first payment request to the server according to the first payment information, the payment voucher information and the order identification.

As described above, the payment device provided in the embodiments of the present specification can also perform payment through the second payment method. Correspondingly, if the target payment mode is determined to be the second payment mode, the main control module 101 generates second payment code information based on the first ciphertext data of the payment credential information;

the display module 105 displays the payment code corresponding to the second payment code information, so that the payment device scans the displayed payment code, and sends a second payment request to the server based on the second payment information and the second payment code information obtained by scanning the payment code, so that the server obtains payment credential information from the second payment code information, and performs payment processing according to the second payment information and the payment credential information.

Optionally, an applet, such as an applet, specifying the payment application is also stored in the secure module 103; a generation rule of second payment code information is set in the small program; correspondingly, the main control module 101 generates second payment code information based on the first ciphertext data obtained by encrypting the payment credential information by the encryption and decryption circuit through the applet.

In order to enable the payment device to make a payment based on the payment account of the specific payment application, in one or more embodiments of the present description, the payment device is bound to the payment account of the specific payment application before making a payment based on the payment device. Specifically, the main control module 101, before responding to the payment operation of the user and determining the target payment mode, responds to the binding operation of the user and determines the current network connection state; and performing corresponding binding processing according to the determined network connection state to acquire payment certificate information.

Specifically, if the network connection state is determined to be the connected state, the main control module 101 sends a first binding request to the server through the communication module 104, so that the server generates second ciphertext data of the first binding code based on the allocated binding identifier, and receives the second ciphertext data sent by the server;

the encryption and decryption circuit is used for decrypting the second ciphertext data to obtain a first binding code;

the display module 105 is used for displaying the first binding code so that the client of the designated payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates third ciphertext data of payment certificate information based on the determined payment account when the identity verification information passes verification, and sends the third ciphertext data to the payment equipment;

the communication module 104 is used for receiving third ciphertext data sent by the server;

and the encryption and decryption circuit is used for decrypting the third ciphertext data to obtain payment credential information and storing the payment credential information into the security module 103.

Specifically, when the display module 105 displays the first binding code, the user may operate a terminal device (e.g., a mobile phone) where the client of the specified application is located, scan the first binding code to obtain a binding identifier, collect the identity verification information of the user, and send a second binding request to the server according to the obtained binding identifier and the collected identity verification information. Or the client of the designated application scans the first binding code to obtain a binding identifier, then sends the binding identifier to the server, collects user identity verification information when receiving an identity verification request sent by the server, and sends a second binding request to the server according to the identity verification information.

Further, in order to enable the binding of the payment account when the payment device is not connected to the network, in one or more embodiments of the present disclosure, the communication module 104 includes: a Bluetooth communication module;

correspondingly, if the network connection state is determined to be the unconnected state, the main control module 101 generates a second binding code according to the bluetooth connection address of the payment device;

the display module 105 is used for displaying the second binding code so that the client of the payment application establishes Bluetooth connection with the payment equipment based on the Bluetooth connection address obtained by scanning the second binding code; sending a third binding request to the server according to the acquired identity verification information of the user, so that the server generates third ciphertext data of the payment certificate information based on the determined payment account when the identity verification information is verified to pass, and sending the third ciphertext data to the client;

the Bluetooth communication module is used for establishing Bluetooth connection with the client and receiving third ciphertext data sent by the client through the established Bluetooth connection;

It should be noted that the encryption/decryption mode of the encryption/decryption circuit in the binding process of the payment account may be the same as or different from the encryption/decryption mode in the payment process based on the payment account, and the setting may be performed as required in actual application.

In order to enable the payment device to be applicable to various communication environments, in one or more embodiments of the present description, the communication module 104 may further include one or more of a wireless communication module, a mobile communication module, an NB-IoT communication module, and a ZigBee communication module.

Further, as shown in fig. 8, in one or more embodiments of the present description, the payment device may further include a storage module 108; the storage module 108 is connected with the main control module 101 and is used for storing the relevant information of the user and the payment equipment; such as storing the telephone numbers of bound users, storing configuration information of the device, etc.

Further, as shown in fig. 9, in one or more embodiments of the present disclosure, the payment device further includes a power module 109, which is connected to the main control module 101 and supplies power to the payment device.

Further, as shown in fig. 10, in one or more embodiments of the present disclosure, the payment device may further include the above modules at the same time.

The payment device provided by one or more embodiments of the specification is a proprietary device of a payment application corresponding to a bound payment account, and when a target payment mode is determined to be a first payment mode, payment can be performed through a specified scanned payment code image based on the bound payment account, so that the rapid payment requirement of a user without a smart phone is met, and the payment device can be applied to a payment scene where a merchant is not equipped with a collection device; the method is simple to operate, suitable for more user groups and universal in applicability.

Corresponding to the payment devices described in fig. 3 to 10, based on the same technical concept, one or more embodiments of the present specification further provide a payment method applied to the payment devices described in fig. 3 to 10. Fig. 11 is a schematic flow chart of a payment method provided in one or more embodiments of the present disclosure, as shown in fig. 11, the method includes the following steps:

step S202, responding to the payment operation of the user, and determining a target payment mode;

optionally, displaying a plurality of preset payment modes, and determining a payment mode selected by a user from the plurality of payment modes through touch control as a target payment mode; or detecting the operation state of a key of the payment equipment, and determining the target payment mode according to the detected operation state.

Step S204, if the target payment mode is the first payment mode, determining first payment information based on the scanned specified payment code image;

specifically, a merchant information acquisition request is sent to the server according to first payment code information obtained by scanning a payment code image, so that the server analyzes the first payment code information to obtain corresponding merchant information; receiving merchant information sent by a server; displaying a payment confirmation interface to ask the user whether to confirm the payment; the payment confirmation interface comprises merchant information and a payment amount input box; responding to a payment confirmation operation of a user based on a payment confirmation interface, and acquiring a payment amount input by the user from a payment amount input box; and determining the payment amount and the merchant information as the first payment information, or determining the payment amount as the first payment information.

Further, in order to enable the server to correspond each payment request to the merchant so as to perform effective payment processing, the server generates an order identifier when receiving the merchant information acquisition request, and sends the merchant information and the order identifier to the payment device in an associated manner. Correspondingly, the receiving of the merchant information sent by the server includes: and receiving merchant information and order identification sent by the server.

Step S206, according to the first payment information and the stored payment voucher information, sending a first payment request to the server, so that the server carries out payment processing according to the first payment information and the payment voucher information; the payment certificate information is certificate information for payment based on a payment account of a payment application pre-bound by the payment equipment;

specifically, a first payment request is sent to the server according to the first payment information, the stored payment voucher information and the received order identification.

And step S208, receiving payment processing result information sent by the server.

In one or more embodiments of the specification, the payment device is used as a proprietary device of a payment application corresponding to a bound payment account, and when it is determined that a target payment mode is a first payment mode, payment can be performed through a specified scanned payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from a smart phone is met, and the payment device can be applied to a payment scene where a merchant is not equipped with a cash receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

To secure the payment, as shown in fig. 12, step S206 may include the following step S206-2;

step S206-2, carrying out encryption processing on the payment certificate information to obtain first ciphertext data; sending a first payment request to the server side according to the first payment information and the first ciphertext data; and the server side decrypts the first ciphertext data according to a first preset encryption mode to obtain payment certificate information, and performs payment processing according to the first payment information and the payment certificate information.

The payment device provided by the embodiment of the specification supports a first payment mode, namely a code scanning payment mode; a second payment method, a scanned payment method, is also supported. Accordingly, as shown in fig. 13, the method further includes:

step S210, if the target payment mode is a second payment mode, generating second payment code information according to the stored payment certificate information;

specifically, if the target payment mode is determined to be the second payment mode, the stored payment certificate information is encrypted to obtain first ciphertext data; and generating second payment code information according to the first ciphertext data.

Step S212, displaying the payment code corresponding to the second payment code information, so that the payment device scans the payment code, sending a second payment request to the server based on the second payment information and the second payment code information obtained by scanning the payment code, so that the server obtains payment certificate information from the second payment code information, performing payment processing according to the second payment information and the payment certificate information, and executing step S208.

Specifically, when the server receives a second payment request, the server analyzes the second payment code information to obtain first ciphertext data, and decrypts the first ciphertext data according to a first preset decryption mode to obtain payment certificate information; and carrying out payment processing according to the second payment information and the payment voucher information. The second payment information includes information such as merchant information and payment amount.

In order to enable the payment device to make a payment based on the payment account of the specific payment application, in one or more embodiments of the present specification, the payment device is bound to the payment account of the specific payment application before making a payment based on the payment device. Specifically, as shown in fig. 14, before step S202, the method further includes:

step S200-2, responding to the binding operation of the user, and determining the current network connection state of the payment equipment;

and step S200-4, performing corresponding binding processing according to the network connection state to acquire payment certificate information, and storing the acquired payment certificate information.

Specifically, as shown in fig. 15, step S200-4 includes:

step S200-4-2, if the network connection state is the connected state, a first binding request is sent to the server, so that the server generates second ciphertext data of the first binding code based on the allocated binding identifier;

s200-4-4, carrying out decryption processing on the received second ciphertext data sent by the server to obtain a first binding code;

s200-4-6, displaying the first binding code, so that the client of the payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment certificate information based on the determined payment account when the identity verification information is verified, and sends third ciphertext data of the payment certificate information to the payment equipment;

s200-4-8, carrying out decryption processing on the received third ciphertext data sent by the server side to obtain payment certificate information;

and S200-4-10, storing the payment certificate information into a security module of the payment equipment.

Therefore, when the network connection state of the payment equipment is the connected state, the first binding code is acquired from the server side through data communication with the server side, and the binding of the payment account is completed based on the first binding code. Further, when the network connection state of the payment apparatus is the unconnected state, as shown in fig. 16, step S200-4 includes the following steps S200-4-12 to S200-4-18;

step S200-4-12, if the network connection state is the unconnected state, generating a second binding code according to the Bluetooth connection address of the payment equipment;

step S200-4-14, displaying the second binding code so that the client of the payment application establishes Bluetooth connection with the payment equipment based on the Bluetooth connection address obtained by scanning the second binding code; sending a third binding request to the server according to the acquired identity verification information of the user, so that the server generates payment certificate information based on the determined payment account when the identity verification information is verified to pass, and sending third ciphertext data of the payment certificate information to the client;

s200-4-16, establishing Bluetooth connection with a client of the payment application, and receiving third ciphertext data sent by the client through the Bluetooth connection;

and S200-4-18, decrypting the third ciphertext data to obtain payment certificate information, and storing the payment certificate information into a security module of the payment device.

Therefore, when the network connection state of the payment equipment is the disconnection state, the Bluetooth connection is established with the client of the appointed payment application, the third ciphertext data acquired by the client from the server side is received based on the Bluetooth connection, the third ciphertext data is decrypted, the payment certificate information is obtained, and therefore the binding of the payment account is completed.

In one or more embodiments of the present description, the payment device is used as a proprietary device of a payment application corresponding to a bound payment account, and when it is determined that a target payment method is a first payment method, payment can be performed by scanning a payment code image specified based on the bound payment account, so that a quick payment requirement that a user is detached from a smart phone is met, and the payment device can be applied to a payment scene where a merchant is not equipped with a payment receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

On the basis of the same technical concept, corresponding to the payment methods described in fig. 11 to 16, one or more embodiments of the present specification further provide another payment method applied to the server. Fig. 17 is a schematic flow chart of another payment method provided in one or more embodiments of the present specification, where, as shown in fig. 17, the method includes the following steps:

step S302, receiving a first payment request sent by payment equipment; wherein the first payment request comprises payment credential information and first payment information; the payment certificate information is certificate information of payment of the payment device based on a payment account of a pre-bound payment application;

step S304, payment processing is carried out according to the payment voucher information and the first payment information;

step S306, the payment processing result information is sent to the payment device.

In one or more embodiments of the present specification, when receiving a first payment request sent by a payment device, a server performs payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for payment of the payment device based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

In order to enable the user to clearly see the merchant information and enable the server to accurately correspond the merchant to the payment request when the payment device performs payment in the first payment method, so as to perform effective payment processing, in one or more embodiments of the present specification, step S302 may further include:

step S300-2, receiving a merchant information acquisition request sent by payment equipment; the merchant information acquisition request comprises first payment code information;

step S300-4, determining corresponding merchant information according to the first payment code information;

step S300-6, generating an order identification, and storing the order identification and merchant information in a correlation manner;

and step S300-8, the order identification and the merchant information are sent to the payment equipment, so that the payment equipment displays the merchant information for the user to confirm whether to pay.

Specifically, when receiving the order identification and the merchant information sent by the server, the payment equipment displays and displays a payment confirmation interface to inquire whether a user confirms payment; the payment confirmation interface comprises merchant information and a payment amount input box; the payment equipment responds to payment confirmation operation of a user based on a payment confirmation interface, and obtains payment amount input by the user from a payment amount input box; and determining the payment amount and the merchant information as first payment information, or determining the payment amount as the first payment information, and sending a first payment request to the server according to the first payment information.

Further, if the first payment information includes the payment amount and the merchant information, step S304 includes:

if the merchant information in the first payment information is determined to be matched with the merchant information associated with the order identifier in the first payment request, analyzing the payment voucher information to obtain a corresponding payment account; and determining a collection account according to the merchant information, and performing payment processing according to the payment account, the collection account and the payment amount. Specifically, the associated merchant information is inquired according to the order identification in the first payment request; matching the merchant information obtained or inquired with the merchant information in the first payment information, and if the matching is successful, analyzing the payment certificate information to obtain a corresponding payment account; determining a collection account according to the merchant information, and performing payment processing according to the payment account, the collection account and the payment amount; and if the matching fails, sending payment failure information to the payment equipment.

Further, if the first payment information includes a payment amount, step S304 includes:

acquiring merchant information associated with the order identification in the first payment request; analyzing the payment voucher information to obtain a payment account, and determining a collection account according to the merchant information; and carrying out payment processing according to the payment account, the collection account and the payment amount.

Further, in order to ensure the payment security, the first payment request may further include first ciphertext data of the payment credential information, and specifically, as shown in fig. 18, step S302 includes the following step S302-2;

step S302-2, receiving a first payment request sent by payment equipment; the first payment request comprises first ciphertext data and first payment information;

correspondingly, as shown in fig. 18, step S304 includes the following steps S304-2;

step S304-2, decrypting the first ciphertext data according to a first preset decryption mode to obtain payment credential information; performing payment processing according to the payment voucher information and the first payment information; the payment voucher information is voucher information of payment of the payment device based on a pre-bound payment account of the payment application.

The payment equipment provided by the embodiment of the specification not only supports a first payment mode, namely a code scanning payment mode; a second payment method, a swept payment method, is also supported. Correspondingly, as shown in fig. 19, the method further includes:

step S308, receiving a second payment request sent by the payment receiving device, wherein the second payment request is sent by the payment receiving device based on the payment code displayed by the scanning payment device, and the second payment request comprises second payment information and second payment code information corresponding to the payment code;

specifically, when the payment device determines that the target payment mode is the second payment mode, the payment credential information is encrypted to obtain first ciphertext data, second payment code information is generated according to the first ciphertext data, a payment code corresponding to the second payment code information is displayed, so that the payment code is scanned by the payment device of the merchant, and a second payment request is sent to the server side based on the second payment information and the second payment code information obtained by scanning the payment code. The second payment information includes merchant information, payment amount, and the like.

Step S310, analyzing the second payment code information to obtain first ciphertext data;

step S312, decrypting the first ciphertext data according to a first preset decryption mode to obtain payment credential information;

step S314, performing payment processing according to the payment credential information and the second payment information, and sending payment processing result information to the payment device and the payment receiving device, respectively.

In order to enable the payment device to make payment based on the payment account of the specified payment application, in one or more embodiments of the present specification, before making payment based on the payment device, a binding process of the payment device to the payment account of the specified payment application is further performed. Specifically, when the network connection state of the payment device is the connected state, as shown in fig. 20, the binding process of the payment account includes:

step S300-10, receiving a first binding request sent by the payment equipment, distributing a binding identifier of the payment equipment, and generating a first binding code according to the binding identifier;

the first binding request can include device information of the payment device, and after the server allocates the binding identifier of the payment device, the device information and the binding identifier are stored in an associated manner.

Step S300-12, encrypting the first binding code according to a second preset encryption mode to obtain second ciphertext data, sending the second ciphertext data to the payment equipment so that the payment equipment decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and enabling the client of the payment application to send a second binding request to the server based on the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code;

step S300-14, receiving a second binding request sent by the client, and if the identity verification information in the second binding request passes verification, determining a payment account corresponding to the identity verification information;

specifically, a second binding request sent by the client is received, if the binding identifier in the second binding request is determined to be valid, the identity verification information in the second binding request is verified, and if the identity verification information passes the verification, the payment account corresponding to the identity verification information is determined; and if the verification fails, sending binding failure information to the client and the character equipment respectively.

The identity verification information can be biological characteristic information, such as face information, fingerprint information, iris information and the like; a payment password, etc. may also be used. And the server matches the identity verification information in the second binding request with the stored identity verification information, and if the matching is successful, the payment account associated with the successfully matched identity verification information is obtained.

Optionally, the server side further receives a binding identifier sent by the client side before receiving the second binding request, and if the binding identifier is determined to be valid, sends an identity verification request to the client side so that the client side collects identity verification information of the user and sends the second binding request to the server side according to the identity verification information; correspondingly, when receiving the second binding request, the server side directly verifies the identity verification information in the second binding request.

Step S300-16, generating payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data;

the second preset encryption mode may be the same as or different from the first preset encryption mode.

And S300-18, sending third ciphertext data to the payment equipment corresponding to the binding identifier in the second binding request, so that the payment equipment decrypts the third ciphertext data to obtain payment certificate information, and storing the payment certificate information into the security module.

Specifically, the device information stored in association is queried according to the binding identifier in the second binding request, and third ciphertext data is sent to the payment device corresponding to the queried device information.

Therefore, when the network connection state of the payment device is the networking state, the binding of the payment device to the payment account of the specified payment application is completed through data communication with the payment device and the client of the specified payment application.

Further, when the network connection state of the payment device is the unconnected state, as shown in fig. 21, the binding process of the payment account:

step S300-20, receiving a third binding request sent by a client of the payment application; the third binding request is sent by the client based on the second binding code displayed by the scanning payment equipment, and the third binding request comprises identity verification information to be verified of the user;

step S300-22, if the identity verification information is verified, determining a payment account corresponding to the identity verification information, and generating payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data;

step S300-24, third ciphertext data is sent to the client, so that the client sends the third ciphertext data to the payment equipment through Bluetooth connection with the payment equipment; and the payment equipment decrypts the third ciphertext data to obtain payment certificate information and stores the payment certificate information into the safety module.

Therefore, when the network connection state of the payment device is the non-networking state, the server side performs data communication with the client side of the appointed payment application and sends payment certificate information to the payment device through the client side, and the binding of the payment device to the payment account is completed.

In one or more embodiments of the specification, when receiving a first payment request sent by a payment device, a server performs payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for payment of the payment device based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

On the basis of the same technical concept, corresponding to the payment methods described in fig. 11 to 16, one or more embodiments of the present specification further provide a payment apparatus applied to a payment device. Fig. 22 is a schematic diagram illustrating a module composition of a payment apparatus according to one or more embodiments of the present disclosure, where the apparatus is configured to perform the payment method described in fig. 11 to fig. 16, and as shown in fig. 22, the apparatus includes:

a first determining module 401, configured to determine a target payment method in response to a payment operation of a user;

a second determining module 402, configured to determine first payment information based on the scanned specified payment code image if the target payment method is the first payment method;

a sending module 403, configured to send a first payment request to a server according to the first payment information and the stored payment credential information, so that the server performs payment processing according to the first payment information and the payment credential information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

the receiving module 404 receives the payment processing result information sent by the server.

The payment device provided by one or more embodiments of the present specification can perform payment by scanning an appointed payment code image based on a bound payment account when it is determined that a target payment mode is a first payment mode, so that a quick payment requirement that a user is separated from a smart phone is met, and the payment device can be applied to a payment scene in which a merchant is not equipped with a payment receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, the sending module 403 encrypts the payment credential information to obtain first ciphertext data; and the number of the first and second groups,

and sending a first payment request to the server side according to the first payment information and the first ciphertext data.

Optionally, the apparatus further comprises: a generation module and a display module;

the generating module is used for generating second payment code information according to the first ciphertext data if the target payment mode is a second payment mode;

the display module displays the payment code corresponding to the second payment code information so that a payment receiving device scans the payment code, and sends a second payment request to the server based on second payment information and the second payment code information obtained by scanning the payment code so that the server obtains the payment certificate information from the second payment code information and carries out payment processing according to the second payment information and the payment certificate information.

Optionally, the apparatus further comprises: a binding module;

the first determining module 401, before determining a target payment mode in response to a payment operation of a user, further determines a current network connection state of the payment device in response to a binding operation of the user;

and the binding module performs corresponding binding processing according to the network connection state to acquire the payment certificate information.

Optionally, the binding module sends a first binding request to the server if the network connection state is a connected state, so that the server generates second ciphertext data of the first binding code based on the allocated binding identifier; and the number of the first and second groups,

decrypting the received second ciphertext data sent by the server to obtain the first binding code;

displaying the first binding code, so that a client of the payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment certificate information based on the determined payment account when the identity verification information passes verification, and sends third ciphertext data of the payment certificate information to the payment equipment;

decrypting the received third ciphertext data sent by the server to obtain the payment credential information;

and storing the payment voucher information into a security module of the payment device.

Optionally, the binding module generates a second binding code according to the bluetooth connection address of the payment device if the network connection state is an unconnected state; and (c) a second step of,

displaying the second binding code so that the client corresponding to the payment account establishes Bluetooth connection with the payment equipment based on the Bluetooth connection address obtained by scanning the second binding code; sending a third binding request to the server according to the acquired identity verification information of the user, so that the server generates payment credential information based on the determined payment account when the identity verification information is verified, and sending third ciphertext data of the payment credential information to the client;

establishing Bluetooth connection with the client, and receiving the third ciphertext data sent by the client through the Bluetooth connection;

and decrypting the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module of the payment device.

The payment device provided by one or more embodiments of the specification can perform payment by scanning the specified payment code image based on the bound payment account when the target payment mode is determined to be the first payment mode, so that the quick payment requirement of a user without a smart phone is met, and the payment device can be applied to a payment scene of a merchant without a cash register; the method is simple to operate, suitable for more user groups and universal in applicability.

It should be noted that, the embodiment of the payment apparatus in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding payment method applied to the payment device, and repeated details are not described again.

Further, based on the same technical concept, the payment method described with reference to fig. 17 to 21 is applied to a server according to one or more embodiments of the present disclosure. Fig. 23 is a schematic diagram of a module composition of another payment apparatus provided in one or more embodiments of the present disclosure, the apparatus being configured to perform the payment method described in fig. 17 to 21, and as shown in fig. 23, the apparatus includes:

a receiving module 501, configured to receive a first payment request sent by a payment device; wherein the first payment request includes payment credential information and first payment information; the payment voucher information is voucher information of payment of the payment equipment based on a pre-bound payment account of the payment application;

the processing module 502 performs payment processing according to the payment credential information and the first payment information;

a sending module 503, configured to send payment processing result information to the payment device.

The payment apparatus provided in one or more embodiments of the present disclosure performs, when receiving a first payment request sent by a payment device, payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for the payment device to perform payment based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, the first payment request includes first ciphertext data of the payment credential information;

the processing module 502 decrypts the first ciphertext data according to a first preset decryption manner to obtain the payment credential information; and carrying out payment processing according to the payment voucher information and the first payment information.

Optionally, the receiving module 501 further receives a second payment request sent by a receiving device, where the second payment request is sent by the receiving device based on scanning a payment code displayed by the payment device, and the second payment request includes second payment code information and second payment information corresponding to the payment code;

the processing module 502 analyzes the second payment code information to obtain first ciphertext data; and the number of the first and second groups,

decrypting the first ciphertext data according to a first preset decryption mode to obtain the payment credential information;

and carrying out payment processing according to the payment voucher information and the second payment information.

Optionally, the apparatus further comprises: the system comprises a distribution module, a verification module and a generation module;

the receiving module 501, before receiving a first payment request sent by a payment device, also receives a first binding request sent by the payment device;

the distribution module distributes the binding identifier of the payment equipment and generates a first binding code according to the binding identifier; encrypting the first binding code according to a preset encryption mode to obtain second ciphertext data;

the sending module 503 sends the second ciphertext data to the payment device, so that the payment device decrypts the second ciphertext data to obtain the first binding code, displays the first binding code, and sends a second binding request to the server based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code;

the receiving module 501 receives the second binding request sent by the client;

the verification module is used for determining a payment account corresponding to the identity verification information if the identity verification information passes verification;

the generating module generates payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data;

the sending module 503 sends the third ciphertext data to the payment device corresponding to the binding identifier in the second binding request, so that the payment device decrypts the third ciphertext data to obtain the payment credential information, and stores the payment credential information in the security module.

Optionally, the apparatus further comprises: a verification module and a generation module;

the receiving module 501, before receiving the first payment request sent by the payment device, also receives a third binding request sent by the client of the payment application; the third binding request is sent by the client based on scanning a second binding code displayed by the payment equipment, and the third binding request comprises identity verification information to be verified of the user;

the generating module is used for generating payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data;

the sending module 503 is configured to send the third ciphertext data to the client, so that the client sends the third ciphertext data to the payment device through a bluetooth connection with the payment device; and enabling the payment equipment to decrypt the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module.

In a payment apparatus provided in one or more embodiments of the present specification, when a first payment request sent by a payment device is received, payment processing is performed according to payment credential information included in the first payment request, where the payment credential information is credential information for payment performed by the payment device based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

It should be noted that, the embodiment of the payment apparatus in this specification and the embodiment of the payment method applied to the server in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding payment method applied to the server, and repeated parts are not described again.

Further, corresponding to the payment method described above, based on the same technical concept, one or more embodiments of the present specification further provide a payment device for performing the payment method described above, and fig. 24 is a schematic structural diagram of a payment device provided in one or more embodiments of the present specification.

As shown in fig. 24, the payment device may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where one or more stored applications or data may be stored in the memory 602. Wherein the memory 602 may be transient or persistent storage. The application program stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment device. Still further, processor 601 may be configured to communicate with memory 602 to execute a series of computer-executable instructions in memory 602 on the payment device. The payment apparatus may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input-output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a payment device includes memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

and receiving payment processing result information sent by the server.

The payment device provided by one or more embodiments of the specification can perform payment by scanning the specified payment code image based on the bound payment account when the target payment mode is determined to be the first payment mode, so that the quick payment requirement of a user without a smart phone is met, and the payment device can be applied to a payment scene where a merchant is not equipped with a cash collecting device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, when executed, the computer-executable instructions send a first payment request to a server according to the first payment information and the saved payment credential information, where the sending includes:

encrypting the payment certificate information to obtain first ciphertext data;

Optionally, the computer executable instructions, when executed, the method further comprises:

if the target payment mode is a second payment mode, generating second payment code information according to the first ciphertext data;

and displaying the payment code corresponding to the second payment code information so that a payment receiving device scans the payment code, sending a second payment request to the server based on second payment information and the second payment code information obtained by scanning the payment code, so that the server obtains the payment certificate information from the second payment code information, and performing payment processing according to the second payment information and the payment certificate information.

Optionally, the computer executable instructions, when executed, further comprise, before determining the target payment method in response to the payment operation of the user:

determining the current network connection state of the payment device in response to the binding operation of the user;

and performing corresponding binding processing according to the network connection state to acquire the payment voucher information.

Optionally, when executed, the computer-executable instructions perform corresponding binding processing according to the network connection status to obtain the payment credential information, including:

if the network connection state is the connected state, sending a first binding request to the server side so that the server side generates second ciphertext data of a first binding code based on the distributed binding identifier;

displaying the first binding code, so that the client of the payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment credential information based on the determined payment account when the identity verification information is verified, and sends third ciphertext data of the payment credential information to the payment equipment;

if the network connection state is an unconnected state, generating a second binding code according to the Bluetooth connection address of the payment equipment;

In another particular embodiment, a payment device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

and sending payment processing result information to the payment equipment.

In the payment device provided in one or more embodiments of the present specification, when a first payment request sent by the payment device is received, payment processing is performed according to payment credential information included in the first payment request, where the payment credential information is credential information for payment of the payment device based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, the computer executable instructions, when executed, the first payment request comprises first ciphertext data of the payment credential information;

the performing payment processing according to the payment voucher information and the first payment information comprises:

and performing payment processing according to the payment voucher information and the first payment information.

Optionally, the computer executable instructions, when executed, further comprise:

receiving a second payment request sent by a payment receiving device, wherein the second payment request is sent by the payment receiving device based on scanning a payment code displayed by the payment device, and the second payment request comprises second payment code information and second payment information corresponding to the payment code;

analyzing the second payment code information to obtain first ciphertext data;

Optionally, the computer executable instructions, when executed, further comprise, before receiving the first payment request sent by the payment device:

receiving a first binding request sent by the payment device;

distributing a binding identifier of the payment equipment, and generating a first binding code according to the binding identifier; encrypting the first binding code according to a preset encryption mode to obtain second ciphertext data;

sending the second ciphertext data to the payment device, so that the payment device decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to the server side by the client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; and (c) a second step of,

receiving the second binding request sent by the client;

if the identity verification information passes verification, determining a payment account corresponding to the identity verification information;

generating payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data;

and sending the third ciphertext data to the payment equipment corresponding to the binding identifier in the second binding request, so that the payment equipment decrypts the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module.

receiving a third binding request sent by a client of the payment application; the third binding request is sent by the client based on scanning a second binding code displayed by the payment equipment, and the third binding request comprises identity verification information to be verified of the user;

sending the third ciphertext data to the client, so that the client sends the third ciphertext data to the payment equipment through Bluetooth connection with the payment equipment; and enabling the payment equipment to decrypt the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module.

In the payment device provided in one or more embodiments of the present specification, when a first payment request sent by the payment device is received, performing payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for performing payment by the payment device based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

It should be noted that the embodiment of the payment device in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the corresponding payment method, and repeated details are not repeated.

Further, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and when the storage medium stores the computer-executable instructions, the following processes can be implemented when the processor executes the computer-executable instructions:

and receiving payment processing result information sent by the server.

When the computer executable instructions stored in the storage medium provided by one or more embodiments of the present specification are executed by the processor, when it is determined that the target payment method is the first payment method, the payment can be performed by scanning the specified payment code image based on the bound payment account, which not only meets the demand of quick payment when a user is detached from the smart phone, but also can be applied to a payment scenario in which a merchant is not equipped with a payment receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, when executed by a processor, the computer-executable instructions stored in the storage medium send a first payment request to a server according to the first payment information and the saved payment credential information, where the sending includes:

encrypting the payment certificate information to obtain first ciphertext data;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, further comprise, before determining the target payment method in response to the payment operation of the user:

Optionally, when executed by a processor, the storage medium stores computer-executable instructions for performing a corresponding binding process according to the network connection status to obtain the payment credential information, including:

Optionally, when executed by a processor, the computer-executable instructions stored in the storage medium perform corresponding binding processing according to the network connection status to obtain the payment credential information, including:

displaying the second binding code so that the client corresponding to the payment account establishes Bluetooth connection with the payment equipment based on the Bluetooth connection address obtained by scanning the second binding code; sending a third binding request to the server according to the acquired identity verification information of the user, so that the server generates payment certificate information based on the determined payment account when the identity verification information passes verification, and sends third ciphertext data of the payment certificate information to the client;

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and the storage medium stores computer-executable instructions that, when executed by the processor, implement the following process:

and sending payment processing result information to the payment equipment.

When executed by a processor, when receiving a first payment request sent by a payment device, performing payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for the payment device to perform payment based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, so that the quick payment requirement that a user is separated from the smart phone is met, and the payment device is suitable for a payment scene that a merchant is not provided with a money receiving device; the method is simple to operate, suitable for more user groups and universal in applicability.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, the first payment request includes first ciphertext data of the payment credential information;

the performing payment processing according to the payment credential information and the first payment information includes:

decrypting the first ciphertext data according to a first preset decryption mode to obtain the payment certificate information;

and carrying out payment processing according to the payment voucher information and the first payment information.

analyzing the second payment code information to obtain first ciphertext data;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, prior to receiving the first payment request sent by the payment device:

receiving a first binding request sent by the payment device;

sending the second ciphertext data to the payment device, so that the payment device decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to the server side by the client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; and the number of the first and second groups,

receiving the second binding request sent by the client;

When executed by a processor, when receiving a first payment request sent by a payment device, performing payment processing according to payment credential information included in the first payment request, where the payment credential information is credential information for the payment device to perform payment based on a payment account of a pre-bound payment application; the payment device is used as a proprietary device of the payment application corresponding to the bound payment account, when the target payment mode is determined to be the first payment mode, payment can be carried out by scanning the appointed scanning payment code image based on the bound payment account, the rapid payment requirement of a user without a smart phone is met, and the payment device is suitable for a payment scene of a merchant without a cash register; the method is simple to operate, suitable for more user groups and universal in applicability.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the aforementioned corresponding payment method, and repeated details are not repeated.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as ABEL (Advanced Boolean Expression Language), AHDL (alternate Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using 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 that stores computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, 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 for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, 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 divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the 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 computer storage media 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 Disks (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. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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 a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description 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 tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked 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.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the system embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for relevant points.

The above description is only an example of the present document and is not intended to limit the present document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment device, comprising:

the main control module is used for responding to the binding operation of the user, determining the current network connection state, performing corresponding binding processing according to the network connection state to acquire payment voucher information, and responding to the payment operation of the user to determine a target payment mode;

the acquisition module is connected with the main control module and scans the appointed payment code image when the target payment mode is the first payment mode;

the safety module is connected with the main control module and stores payment certificate information of the appointed payment application; the payment credential information is credential information for payment based on a payment account pre-bound to the payment device, wherein the security module includes: an encryption/decryption circuit; the encryption and decryption circuit encrypts the payment credential information to obtain first ciphertext data when the payment device pays based on the payment account;

the communication module is connected with the main control module, and is used for sending a first payment request to a server according to first payment information determined based on the payment code image and first ciphertext data corresponding to the payment credential information, so that the server performs payment processing according to the first payment information and the first ciphertext data, and receives payment processing result information sent by the server;

wherein the payment device further comprises: the display module is connected with the main control module;

the main control module sends a first binding request to the server through the communication module if the network connection state is determined to be the connected state, so that the server generates second ciphertext data of a first binding code based on the distributed binding identifier, and receives the second ciphertext data sent by the server;

the encryption and decryption circuit is used for decrypting the second ciphertext data to obtain the first binding code;

the display module displays the first binding code, so that the client of the payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, the server generates third ciphertext data of the payment certificate information based on the determined payment account when the identity verification information passes verification, and sends the third ciphertext data to the payment equipment;

the communication module is used for receiving the third ciphertext data sent by the server;

and the encryption and decryption circuit is used for decrypting the third ciphertext data to obtain the payment certificate information and storing the payment certificate information into the safety module.

2. The payment device of claim 1, the payment device further comprising: the display module is connected with the main control module;

the main control module generates second payment code information according to the first ciphertext data if the target payment mode is determined to be a second payment mode;

the display module displays the payment code corresponding to the second payment code information so that a payment device scans the payment code, sends a second payment request to the server based on second payment information and the second payment code information obtained by scanning the payment code, enables the server to obtain the payment voucher information from the second payment code information, and carries out payment processing according to the second payment information and the payment voucher information.

3. The payment device of claim 1, the payment device further comprising: the display module is connected with the main control module; the communication module includes: a Bluetooth communication module;

the main control module generates a second binding code according to the Bluetooth connection address of the payment equipment if the network connection state is determined to be the unconnected state;

the display module displays the second binding code so that the client of the payment application establishes Bluetooth connection with the payment equipment based on the Bluetooth connection address obtained by scanning the second binding code; sending a third binding request to the server according to the acquired identity verification information of the user, so that the server generates third ciphertext data of payment credential information based on the determined payment account when the identity verification information passes verification, and sends the third ciphertext data to the client;

the Bluetooth communication module establishes Bluetooth connection with the client and receives the third ciphertext data sent by the client through the Bluetooth connection;

and the encryption and decryption circuit is used for carrying out decryption processing on the third ciphertext data to obtain the payment certificate information and storing the payment certificate information into the security module.

4. The payment device of claim 1, the payment device being a smart card.

5. The payment device of claim 1, the security module being any one of a Z32HUAJQ1 chip, a Z32HUBJQ1 chip, and a N32S032JQ1 chip.

6. The payment device of any one of claims 1-5, the payment device further comprising:

and the power supply module is connected with the main control module and supplies power to the payment equipment.

7. A payment method is applied to a payment device and comprises the following steps:

responding to the binding operation of a user, determining the current network connection state of the payment equipment, and performing corresponding binding processing according to the network connection state to obtain payment credential information, wherein if the network connection state is a connected state, a first binding request is sent to a server, so that the server generates second ciphertext data of a first binding code based on an allocated binding identifier; decrypting the received second ciphertext data sent by the server to obtain the first binding code; displaying the first binding code, so that a client of a payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment credential information based on a determined payment account when the identity verification information is verified, and sends third ciphertext data of the payment credential information to the payment equipment; decrypting the received third ciphertext data sent by the server to obtain the payment credential information; storing the payment credential information into a security module of the payment device;

encrypting the payment certificate information to obtain first ciphertext data; sending a first payment request to a server according to the first payment information and the first ciphertext data, so that the server performs payment processing according to the first payment information and the first ciphertext data corresponding to the payment credential information; the payment certificate information is certificate information for payment based on a payment account of a payment application pre-bound by the payment equipment;

and receiving payment processing result information sent by the server.

8. The method of claim 7, further comprising:

9. The method of claim 7, wherein the performing a corresponding binding process to obtain the payment credential information according to the network connection status comprises:

if the network connection state is the unconnected state, generating a second binding code according to the Bluetooth connection address of the payment equipment;

10. A payment method is applied to a server and comprises the following steps:

receiving a first binding request sent by payment equipment, distributing a binding identifier of the payment equipment, and generating a first binding code according to the binding identifier; encrypting the first binding code according to a preset encryption mode to obtain second ciphertext data;

sending the second ciphertext data to the payment equipment, so that the payment equipment decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to the server side by the client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; and the number of the first and second groups,

receiving the second binding request sent by the client, and if the identity verification information passes verification, determining a payment account corresponding to the identity verification information;

sending the third ciphertext data to the payment device corresponding to the binding identifier in the second binding request, so that the payment device decrypts the third ciphertext data to obtain the payment certificate information, and stores the payment certificate information into a security module;

and sending payment processing result information to the payment equipment.

11. The method of claim 10, the first payment request comprising first ciphertext data of the payment credential information;

12. The method of claim 10, further comprising:

analyzing the second payment code information to obtain first ciphertext data;

13. The method of claim 10, prior to receiving the first payment request sent by the payment device, further comprising:

14. A payment device applied to payment equipment comprises:

the first determining module is used for responding to the binding operation of a user, determining the current network connection state of the payment equipment, and performing corresponding binding processing according to the network connection state to acquire payment certificate information; decrypting the received second ciphertext data sent by the server to obtain the first binding code; displaying the first binding code, so that a client of a payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment credential information based on a determined payment account when the identity verification information is verified, and sends third ciphertext data of the payment credential information to the payment equipment; decrypting the received third ciphertext data sent by the server to obtain the payment credential information; storing the payment credential information into a security module of the payment device; responding to the payment operation of the user, and determining a target payment mode;

the second determining module is used for determining first payment information based on the scanned specified payment code image if the target payment mode is the first payment mode;

the sending module is used for encrypting the payment certificate information to obtain first ciphertext data; according to the first payment information and the first ciphertext data, the server side carries out payment processing according to the first payment information and the first ciphertext data corresponding to the payment credential information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

15. A payer device, applied to a server, comprising:

the receiving module is used for receiving a first binding request sent by the payment equipment, distributing a binding identifier of the payment equipment and generating a first binding code according to the binding identifier; encrypting the first binding code according to a preset encryption mode to obtain second ciphertext data; sending the second ciphertext data to the payment equipment, so that the payment equipment decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to the server side by the client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; receiving the second binding request sent by the client, and if the identity verification information passes verification, determining a payment account corresponding to the identity verification information; generating payment voucher information according to the determined payment account; encrypting the payment certificate information according to a second preset encryption mode to obtain third ciphertext data; sending the third ciphertext data to the payment equipment corresponding to the binding identifier in the second binding request, so that the payment equipment decrypts the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module; receiving a first payment request sent by the payment device; wherein the first payment request includes payment credential information and first payment information; the payment voucher information is voucher information of payment of the payment equipment based on a pre-bound payment account of the payment application;

16. A payment device, comprising:

a processor; and the number of the first and second groups,

encrypting the payment certificate information to obtain first ciphertext data; sending a first payment request to a server according to the first payment information and the first ciphertext data, so that the server performs payment processing according to the first payment information and the first ciphertext data corresponding to the payment credential information; the payment credential information is credential information for payment based on a payment account of a payment application pre-bound by the payment device;

and receiving payment processing result information sent by the server.

17. A payment device, comprising:

a processor; and the number of the first and second groups,

sending the second ciphertext data to the payment device, so that the payment device decrypts the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to a server side by a client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; and the number of the first and second groups,

sending the third ciphertext data to the payment equipment corresponding to the binding identifier in the second binding request, so that the payment equipment decrypts the third ciphertext data to obtain the payment certificate information, and storing the payment certificate information into a security module;

and sending payment processing result information to the payment equipment.

18. A storage medium storing computer-executable instructions that when executed implement the following:

responding to the binding operation of a user, determining the current network connection state of the payment equipment, and performing corresponding binding processing according to the network connection state to obtain payment credential information, wherein if the network connection state is the connected state, a first binding request is sent to a server, so that the server generates second ciphertext data of a first binding code based on an allocated binding identifier; decrypting the received second ciphertext data sent by the server to obtain the first binding code; displaying the first binding code, so that a client of a payment application sends a second binding request to the server according to the acquired identity verification information of the user and the binding identifier obtained by scanning the first binding code, so that the server generates payment certificate information based on a determined payment account when the identity verification information passes verification, and sends third ciphertext data of the payment certificate information to the payment equipment; decrypting the received third ciphertext data sent by the server to obtain the payment credential information; storing the payment credential information into a security module of the payment device;

sending a first payment request to a server according to the first payment information and the stored payment voucher information so that the server performs payment processing according to the first payment information and the payment voucher information; the payment certificate information is certificate information for payment based on a payment account of a payment application pre-bound by the payment equipment;

and receiving payment processing result information sent by the server.

19. A storage medium storing computer-executable instructions that when executed implement the following:

sending the second ciphertext data to the payment equipment so that the payment equipment can decrypt the second ciphertext data to obtain the first binding code, displaying the first binding code, and sending a second binding request to a server side by a client side of the payment application based on the obtained identity verification information of the user and the binding identifier obtained by scanning the first binding code; and the number of the first and second groups,

and sending payment processing result information to the payment equipment.