CN111833067B

CN111833067B - Mobile payment method, device and payment system

Info

Publication number: CN111833067B
Application number: CN202010680549.5A
Authority: CN
Inventors: 孙健康; 杨磊
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2018-05-28
Filing date: 2018-05-28
Publication date: 2024-02-09
Anticipated expiration: 2038-05-28
Also published as: CN111833067A; CN108830605A; CN108830605B; TWI725385B; WO2019227999A1; TW202004599A

Abstract

The embodiment of the application provides a mobile payment method, a device and a payment system, wherein the method comprises the following steps: firstly, broadcasting respective dynamic passwords by a mobile terminal, and uploading a payment request generated according to the dynamic passwords to a cloud server after the dynamic passwords are acquired by a collection device; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

Description

Mobile payment method, device and payment system

The application is a divisional application of 2018, 05 month and 28 days, the application number is 201810525342.3, and the name of the divisional application is 'a mobile payment method, a mobile payment device and a payment system'.

Technical Field

The present disclosure relates to the field of offline payment, and in particular, to a mobile payment method, device and payment system.

Background

Currently, with the rapid development of mobile internet technology and with the continuous upgrading of functions of mobile terminals (e.g., smartphones), the use of mobile terminals to complete offline payments has become an indispensable part of people's daily lives. For example, the near field mobile payment modes that are currently widely used are: code scanning payment and NFC near field payment.

For code scanning payment, two payment modes are mainly included, and one mode is as follows: the purchaser uses the mobile terminal to scan and identify the merchant provided checkout to complete the off-line payment, another way is: the merchant uses the collection device to scan and identify the payment code displayed on the mobile terminal of the purchaser so as to complete offline payment, however, in the process, the condition of long payment time or payment failure may occur due to focusing or abnormal identification of the two-dimensional code; for NFC near field payment, a purchaser approaches a mobile terminal to a collection device of a merchant, and data exchange is carried out between the mobile terminal and the collection device through an NFC technology to finish offline payment, but in the process, the NFC near field payment has the characteristics of quick and convenient payment, the mobile terminal is required to have an NFC module and needs to be called, and if the mobile terminal does not have the NFC module or has limited use of NFC functions, the NFC near field payment mode cannot be fully popularized.

As can be seen from the above, the existing near field mobile payment method has the above-mentioned drawbacks, and it is necessary to provide a mobile payment method that is fast and not limited by the NFC function.

Disclosure of Invention

The embodiment of the application aims to provide a mobile payment method, a mobile payment device and a mobile payment system, wherein the association between a mobile terminal and a collection device is realized based on a dynamic password, and meanwhile, automatic triggering payment confirmation is realized based on a payment triggering signal, so that the mobile payment can be rapidly completed without executing code scanning operation or NFC (near field communication) function of the mobile terminal, and the convenience and the universality of the mobile payment are improved.

In order to solve the technical problems, the embodiment of the application is realized as follows:

the embodiment of the application provides a mobile payment method which is applied to a collection device and comprises the following steps:

acquiring a dynamic password broadcasted by at least one mobile terminal;

determining a target dynamic password in the obtained dynamic passwords, generating a payment request according to the target dynamic password, and uploading the payment request to a cloud server so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password;

And sending a deduction triggering signal in a preset range, so that the target mobile terminal aims at the payment confirmation request and sends a deduction request to the cloud server after detecting the deduction triggering signal.

The embodiment of the application provides a mobile payment method, which is applied to a mobile terminal and comprises the following steps:

broadcasting a dynamic password to a collection device, so that the collection device uploads a payment request generated according to the dynamic password to a cloud server after receiving the dynamic password;

receiving a payment confirmation request issued by the cloud server, wherein the payment confirmation request is generated by the cloud server according to the payment request uploaded by the collection device;

and aiming at the payment confirmation request, after detecting a deduction trigger signal sent by the collection equipment, sending a deduction request to the cloud server so that the cloud server deducts money in a target account corresponding to the mobile terminal based on the deduction request.

The embodiment of the application provides a mobile payment method, which is applied to a cloud server and comprises the following steps:

receiving a payment request uploaded by a collection device, wherein the payment request is generated by the collection device according to a dynamic password broadcasted by a mobile terminal;

Determining a target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored corresponding relation between the terminal and the password;

sending a payment confirmation request to the target mobile terminal, so that the target mobile terminal aims at the payment confirmation request and sends a deduction request after detecting a deduction trigger signal sent by the collection equipment;

and receiving the deduction request sent by the target mobile terminal, and performing deduction in a target account corresponding to the target mobile terminal based on the deduction request.

The embodiment of the application provides a mobile payment device, the device sets up in collection equipment, the device includes:

the dynamic password acquisition module is used for acquiring a dynamic password broadcasted by at least one mobile terminal;

the payment request sending module is used for determining a target dynamic password in the obtained dynamic passwords, generating a payment request according to the target dynamic password, and uploading the payment request to a cloud server so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password;

and the trigger signal sending module is used for sending a deduction trigger signal within a preset range, so that the target mobile terminal aims at the payment confirmation request and sends a deduction request to the cloud server after detecting the deduction trigger signal.

The embodiment of the application provides a mobile payment device, the device sets up in mobile terminal, the device includes:

the dynamic password broadcasting module is used for broadcasting a dynamic password to the collection equipment so that the collection equipment can upload a payment request generated according to the dynamic password to a cloud server after receiving the dynamic password;

the confirmation request receiving module is used for receiving a payment confirmation request issued by the cloud server, wherein the payment confirmation request is generated by the cloud server according to the payment request uploaded by the collection device;

and the deduction request sending module is used for sending a deduction request to the cloud server after detecting a deduction trigger signal sent by the collection equipment aiming at the payment confirmation request, so that the cloud server deducts money in a target account corresponding to the mobile terminal based on the deduction request.

The embodiment of the application provides a mobile payment device, the device sets up in high in the clouds server, the device includes:

the payment request receiving module is used for receiving a payment request uploaded by the collection equipment, wherein the payment request is generated by the collection equipment according to a dynamic password broadcasted by the mobile terminal;

The target terminal determining module is used for determining a target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored corresponding relation between the terminal and the password;

the confirmation request sending module is used for sending a payment confirmation request to the target mobile terminal so that the target mobile terminal can send a deduction request aiming at the payment confirmation request and after detecting a deduction trigger signal sent by the collection equipment;

and the deduction request receiving module is used for receiving the deduction request sent by the target mobile terminal and deducting money in a target account corresponding to the target mobile terminal based on the deduction request.

The embodiment of the application provides mobile payment equipment, which comprises the following components: a processor; and

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

acquiring a dynamic password broadcasted by at least one mobile terminal;

The embodiments of the present application provide a storage medium for storing computer executable instructions that when executed implement the following:

acquiring a dynamic password broadcasted by at least one mobile terminal;

According to the mobile payment method, device and payment system, firstly, the mobile terminal broadcasts respective dynamic passwords, and after the collection equipment acquires the dynamic passwords, a payment request generated according to the dynamic passwords is uploaded to a cloud server; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.

Fig. 1 is an application scenario schematic diagram of a mobile payment system provided in an embodiment of the present application;

fig. 2 is a schematic flow chart of a first mobile payment method applied to a collection device according to an embodiment of the present application;

fig. 3 is a schematic diagram of a first information interaction of a mobile payment method according to an embodiment of the present application;

fig. 4 is a schematic flow chart of a second mobile payment method applied to a collection device according to an embodiment of the present application;

fig. 5 is a third flowchart of a mobile payment method applied to a collection device according to an embodiment of the present application;

fig. 6 is a schematic diagram of a second information interaction of a mobile payment method according to an embodiment of the present application;

fig. 7 is a schematic diagram of an implementation principle of a magnetic field induction signal sent by a collection device in the mobile payment method according to the embodiment of the present application;

Fig. 8 is a flow chart of a mobile payment method applied to a mobile terminal according to an embodiment of the present application;

fig. 9 is a flowchart of a mobile payment method applied to a cloud server according to an embodiment of the present application;

fig. 10 is a schematic diagram of module composition of a mobile payment device provided in a payment collecting device according to an embodiment of the present application;

fig. 11 is a schematic diagram of module composition of a mobile payment device provided in a mobile terminal according to an embodiment of the present application;

fig. 12 is a schematic diagram of module composition of a mobile payment device provided in the cloud server according to an embodiment of the present application;

fig. 13 is a schematic diagram of module composition of a mobile payment system according to an embodiment of the present application;

fig. 14 is a schematic structural diagram of a mobile payment device according to an embodiment of the present application.

Detailed Description

In order to better understand the technical solutions in the present application, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

The embodiment of the application provides a mobile payment method, a mobile payment device and a mobile payment system, wherein the association between a mobile terminal and a collection device is realized based on a dynamic password, meanwhile, automatic triggering payment confirmation is realized based on a payment triggering signal, thus, the mobile payment can be rapidly completed without executing code scanning operation or NFC (near field communication) function of the mobile terminal, and the convenience and the universality of the mobile payment are improved.

Fig. 1 is an application scenario schematic diagram of a mobile payment system provided in an embodiment of the present application, as shown in fig. 1, the payment system includes: the mobile terminal can be a smart phone, a tablet personal computer and the like, the collection device can be a device for radiating magnetic field induction signals, the cloud server is in communication connection with the collection device and the mobile terminal, and firstly, the cloud server sends a dynamic password to the mobile terminal according to a preset time interval; after receiving the dynamic password, the mobile terminal broadcasts the dynamic password on the network where the mobile terminal is located; after receiving the dynamic password, the collection device generates a corresponding payment request and reports the payment request to a cloud server; after receiving the payment request, the cloud server sends a payment confirmation request to the mobile terminal corresponding to the dynamic password; after receiving the payment confirmation request, the mobile terminal displays corresponding merchant information and payment information, and after the consumer confirms that the consumer is free of errors, the mobile terminal is close to the collection device, and at the moment, the mobile terminal detects a magnetic field induction signal radiated outwards by the collection device and sends the generated deduction request to the cloud server; and after receiving the deduction request, the cloud server deducts money from the target account corresponding to the mobile terminal, thereby completing the off-line mobile payment.

Fig. 2 is a flow chart of a mobile payment method according to an embodiment of the present application, where the method in fig. 2 can be executed by the collection device in fig. 1, and as shown in fig. 2, the method at least includes the following steps:

s201, acquiring a dynamic password broadcasted by at least one mobile terminal; wherein, this dynamic password includes: the random character string or the secret key can be, for example, a random Token string, and the random Token string has the characteristics of strong randomness and unpredictability, and specifically, the dynamic password can be generated by the cloud server according to a preset time interval and issued to the mobile terminal, or can be generated randomly by the mobile terminal based on a preset algorithm.

S202, determining a target dynamic password in the acquired at least one dynamic password; when the number of the obtained dynamic passwords is one, determining the dynamic password as a target dynamic password; when the number of the obtained dynamic passwords is multiple, namely, a plurality of mobile terminals broadcasting the dynamic passwords exist in the preset range of the collection equipment, the target dynamic password is required to be selected from the dynamic passwords according to the preset rule.

S203, generating a payment request according to the determined target dynamic password; the payment request carries a target dynamic password, so that the cloud server determines a corresponding target mobile terminal according to the target dynamic password.

S204, uploading the generated payment request to a cloud server, so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password; the payment confirmation request can carry information such as merchant information, payment information and the like, so that a consumer confirms the information such as merchant information, payment information and the like, and after the consumer confirms the information, the target mobile terminal is attached to the collection device, wherein the payment information can be the total amount to be paid or the collection details to be paid.

S205, sending a deduction trigger signal within a preset range, so that the target mobile terminal aims at the payment confirmation request and sends a deduction request to the cloud server after detecting the deduction trigger signal; specifically, the collection device automatically transmits a deduction triggering signal outwards, when the mobile terminal approaches to the collection device, the mobile terminal detects the deduction triggering signal to trigger the mobile terminal to send a deduction request to the cloud server, and after the cloud server receives the deduction request, deduction is carried out in a target account corresponding to the mobile terminal, so that off-line mobile payment is completed.

In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

Specifically, as shown in fig. 3, a process of information interaction between multiple terminals in the mobile payment method is provided, specifically:

s301, broadcasting a dynamic password to a collection device by the mobile terminal;

s302, the collection device determines a target dynamic password in the received at least one dynamic password;

s303, the collection equipment generates a payment request according to the determined target dynamic password;

s304, the collection device uploads the generated payment request to the cloud server;

s305, the cloud server sends a payment confirmation request to the mobile terminal corresponding to the target dynamic password;

s306, the money receiving equipment transmits a money deduction trigger signal outwards;

s307, the mobile terminal generates a deduction request after detecting the deduction trigger signal;

s308, the mobile terminal sends the generated deduction request to the cloud server;

s309, the cloud server deducts money in the corresponding target account after receiving the money deduction request.

Specifically, an electromagnetic coil is arranged in the collection equipment, and generates a magnetic field induction signal after the electromagnetic coil is electrified, and the magnetic field induction signal is radiated outwards;

specifically, considering that there may be a plurality of mobile terminals around the collection device, in order to avoid the situation of false triggering, only when the distance between the mobile terminal and the collection device is smaller than the preset distance, the mobile terminal is triggered to generate and send a deduction request, as shown in fig. 4, S205 sends a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server for payment confirmation request after detecting the deduction trigger signal, and specifically includes:

S2051, radiating the generated magnetic field induction signal outwards to enable the target mobile terminal to send a deduction request to the cloud server after detecting the magnetic field induction signal and the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold;

the preset intensity threshold is determined according to the intensity of the magnetic field generated by the magnetic field induction signal at a preset distance from the collection device.

Specifically, as the mobile terminal is closer to the collection device, the magnetic field strength of the magnetic field induction signal received by the mobile terminal is stronger, if the preset strength threshold is equal to the magnetic field strength at the preset distance from the collection device, when the distance between the mobile terminal and the collection device is smaller than the preset distance, the magnetic field strength detected by the mobile terminal is larger than the preset strength threshold, so that when determining whether to generate the payment request, the mobile terminal detects the magnetic field induction signal, and meanwhile, the mobile terminal needs to ensure that the magnetic field strength of the magnetic field induction signal is larger than the preset strength threshold, and then triggers the generation of the payment request. That is, only after the consumer confirms the payment confirmation information, the mobile terminal is close to the collection device, and at this time, because the distance between the mobile terminal and the collection device is smaller than the preset distance, the magnetic field strength of the magnetic field sensing signal detected by the mobile terminal is larger than the preset strength threshold, the mobile terminal triggers to generate the payment deduction request, so that the situation that the mobile terminal which triggers non-payment by mistake generates the payment deduction request can be avoided.

Further, considering that other magnetic field induction signals may exist in the environment where the collection device is located, the magnetic field induction signals received by the mobile terminal may not be sent by the collection device, but peripheral interference magnetic field signals, so as to avoid false triggering caused by the peripheral interference magnetic field signals, based on this, the magnetic field induction signals generated by the external radiation of S2051 specifically include:

step one, generating a magnetic field induction signal with specified characteristic parameters, wherein the specified characteristic parameters comprise: at least one of a specified operating frequency, a specified operating frequency variation trend, and a specified magnetic field strength variation trend;

and secondly, radiating magnetic field induction signals with specified characteristic parameters outwards so that the target mobile terminal can send a deduction request to the cloud server after determining that the detected magnetic field induction signals come from the collection equipment.

Specifically, the characteristic parameters of the magnetic field induction signals radiated outwards by the collection device can be controlled to be specified characteristic parameters by controlling the magnitude and/or the frequency of the current passing through the electromagnetic coil, so that the characteristic parameters of the magnetic field induction signals radiated outwards by the collection device are different from the magnetic field induction signals of other surrounding interference magnetic field signals, and after the mobile terminal detects the magnetic field induction signals, whether the characteristic parameters of the magnetic field induction signals are consistent with the specified characteristic parameters or not is judged, and a payment deduction request is generated only if the characteristic parameters are consistent with the specified characteristic parameters. That is, when determining whether to generate the deduction request, the mobile terminal introduces a reference factor of the characteristic parameter of the magnetic field induction signal, that is, the mobile terminal detects the magnetic field induction signal, the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, and the magnetic field induction signal has the specified characteristic parameter, so that the mobile terminal triggers to generate the deduction request, thereby avoiding false triggering caused by surrounding interference of the magnetic field signal.

Further, considering that the number of the possible received dynamic passwords is multiple for a certain collection device, at this time, instead of directly uploading all the dynamic passwords to the cloud server, a target dynamic password is selected from the multiple dynamic passwords according to a preset rule, so that the cloud server uniquely determines the mobile terminal that needs to pay currently according to the target dynamic password, based on this, as shown in fig. 5, the step S201 of acquiring the dynamic password broadcasted by at least one mobile terminal specifically includes:

s2011, receiving a plurality of dynamic passwords broadcasted by a plurality of mobile terminals, namely, mobile terminals broadcasting respective dynamic passwords exist in a preset range of the collection equipment;

correspondingly, the step S202 of determining the target dynamic password in the obtained at least one dynamic password specifically includes:

s2021, selecting the dynamic password broadcasted by the mobile terminal with the minimum distance to the collection equipment as the target dynamic password according to the received transmission parameters of each dynamic password, wherein the transmission parameters are signal strength or signal transmission duration.

Correspondingly, the step S2021 selects, according to the received transmission parameters of the dynamic passwords, the dynamic password broadcasted by the mobile terminal with the smallest distance from the collecting device as the target dynamic password, where the transmission parameter is the signal strength, and specifically includes:

Step one, selecting a dynamic password with the maximum signal strength according to the received signal strength of each dynamic password; specifically, the closer the mobile terminal is to the collection device, the stronger the signal strength of the dynamic password broadcast to the collection device, so that the dynamic password broadcast by the mobile terminal with the smallest distance to the collection device can be determined by comparing the signal strengths of the dynamic passwords.

Step two, determining the dynamic password with the maximum signal strength as a target dynamic password; specifically, the dynamic password with the maximum signal strength is the dynamic password broadcasted by the mobile terminal with the minimum distance from the collection device.

In addition, the target dynamic password may be selected based on the signal transmission duration, and for the case that the transmission parameter is the signal transmission duration, correspondingly, S2021 selects, according to the received transmission parameter of each dynamic password, the dynamic password broadcasted by the mobile terminal with the minimum distance from the collecting device as the target dynamic password, where the method specifically includes:

step one, selecting a dynamic password with the shortest signal transmission duration according to the received signal transmission duration of each dynamic password; specifically, because the signal transmission speeds are the same, the shorter the signal transmission time of the dynamic password transmitted from the mobile terminal to the collection device is, the closer the mobile terminal is to the collection device, and therefore, the dynamic password broadcasted by the mobile terminal with the minimum distance to the collection device can be determined by comparing the signal transmission time of each dynamic password.

Step two, determining the dynamic password with the shortest signal transmission time length as a target dynamic password; specifically, the dynamic password with the shortest signal transmission duration is the dynamic password broadcasted by the mobile terminal with the smallest distance with the collection device.

Specifically, the signal transmission duration of the dynamic password is the difference between a starting time stamp of the mobile terminal for starting broadcasting the dynamic password and an ending time stamp of the receiving device for receiving the dynamic password, wherein the starting time stamp is notified to the receiving device by the mobile terminal, and specifically comprises the following steps:

the step S2011 of receiving a plurality of dynamic passwords broadcasted by a plurality of mobile terminals specifically includes:

and receiving a plurality of dynamic passwords with starting time stamps broadcasted by a plurality of mobile terminals, so that the collection device can determine the signal transmission time length of each dynamic password according to the starting time stamp of the dynamic password and the ending time stamp of the received dynamic password.

In order to avoid unnecessary trouble brought to non-consumers due to the uploading error of the target dynamic password, the cloud server sends a payment confirmation request to the corresponding mobile terminal after receiving the payment request, wherein the payment confirmation request carries merchant information and payment information, so that a user holding the mobile terminal confirms the merchant information and the payment information, thereby improving the accuracy of deduction triggering operation, and based on the determination, the step 203 of generating the payment request according to the determined target dynamic password specifically comprises the following steps:

Acquiring settlement information to be paid and equipment identification of a collection device;

and generating a payment request according to the acquired target dynamic password, settlement information and equipment identification.

Specifically, after receiving a payment request, the cloud server determines payment information according to settlement information to be paid; determining the information of the payee according to the equipment identifier of the payee equipment;

and generating a payment confirmation request according to the payment information and the payee information, and sending the payment confirmation request to the mobile terminal corresponding to the target dynamic password, so that the mobile terminal analyzes and displays the payee information and the payment information carried in the payment confirmation request.

Further, considering that there may be a situation that the collecting device and the mobile terminal are located in different networks, in order to ensure that the collecting device can accurately receive the dynamic password broadcasted by the mobile terminal, a wireless access point AP is set in the collecting device, and the mobile terminal is accessed into a wireless local area network generated by the wireless access point AP in advance, so as to further realize transmission and reception of the dynamic password between the mobile terminal and the collecting device, based on this, S201 further includes, before acquiring the dynamic password broadcasted by at least one mobile terminal:

And controlling the mobile terminal to access the wireless local area network where the collection equipment is located based on a wifi quick connection technology, wherein the wifi quick connection technology can be a Smart Config technology or a Smart Connect technology.

The dynamic password is issued to the mobile terminal by the cloud server, and the corresponding relation between the mobile terminal and the dynamic password is stored in the cloud server.

Specifically, as shown in fig. 6, a process of information interaction between multiple terminals in the mobile payment method is provided, specifically:

s601, a cloud server generates a random character string and stores a corresponding relation between a mobile terminal and the random character string, wherein in order to reduce the information processing amount of the cloud server, unnecessary trouble is avoided for a non-payment user, and the corresponding random character string is sent to the mobile terminal only after the mobile terminal is detected to start a designated application and trigger a preset clicking operation;

s602, the cloud server transmits the random character string to the corresponding mobile terminal;

s603, after receiving the random character string, the mobile terminal broadcasts the random character string to the collection device;

s604, the collection device determines a target random character string in the received at least one random character string;

S605, the collection equipment generates a payment request according to the determined target random character string;

s606, the collection device uploads the generated payment request to the cloud server, wherein the payment request carries a target random character string, a self device identifier and settlement information to be paid;

s607, after receiving the payment request, the cloud server determines a mobile terminal corresponding to a target random string in the payment request according to a pre-stored corresponding relation;

s608, the cloud server sends a payment confirmation request to the mobile terminal corresponding to the target random string, wherein the payment confirmation request carries merchant information and payment information;

s609, after receiving the payment confirmation request, the mobile terminal analyzes and displays merchant information and payment information carried in the payment confirmation request, so that a consumer holding the mobile terminal confirms the merchant information and the payment information, and after the consumer confirms the merchant information and the payment information, the mobile terminal is attached to the collection device;

s610, the collection device radiates a magnetic field induction signal outwards, wherein the magnetic field intensity of the magnetic field induction signal at a preset distance from the collection device is a preset intensity threshold value, and the characteristic parameter of the magnetic field induction signal is a specified characteristic parameter;

S611, after the magnetic field intensity is greater than the magnetic field induction signal of the preset intensity threshold value and the characteristic parameter is consistent with the specified characteristic parameter, the mobile terminal generates a deduction request, as shown in fig. 7, when the magnetic field intensity is greater than the preset intensity threshold value in the range enclosed by the solid line, and only when the distance between the mobile terminal and the collection device is smaller than the preset distance, the deduction request is generated;

s612, the mobile terminal sends the generated deduction request to the cloud server;

s613, the cloud server deducts money in the corresponding target account after receiving the money deduction request so as to complete off-line mobile payment.

According to the mobile payment method, firstly, the mobile terminal broadcasts respective dynamic passwords, and after the collection device acquires the dynamic passwords, a payment request generated according to the dynamic passwords is uploaded to a cloud server; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

In accordance with the mobile payment method described in fig. 2 to 6, based on the same technical concept, another embodiment of the present application further provides a mobile payment method, and fig. 8 is a schematic flow chart of the mobile payment method provided in the embodiment of the present application, where the method in fig. 8 can be executed by the mobile terminal in fig. 1, and as shown in fig. 8, the method at least includes the following steps:

s801, broadcasting a dynamic password to a collection device, so that the collection device can upload a payment request generated according to the dynamic password to a cloud server after receiving the dynamic password, and specifically, broadcasting respective dynamic passwords by a mobile terminal in a network where the mobile terminal is located;

s802, receiving a payment confirmation request issued by a cloud server, wherein the payment confirmation request is generated by the cloud server according to a payment request uploaded by a collection device;

s803, aiming at the received payment confirmation request, after a deduction trigger signal sent by the collection equipment is detected, a deduction request is sent to the cloud server, so that the cloud server deducts money in a target account corresponding to the mobile terminal based on the deduction request.

Wherein, the dynamic password comprises: the random character string or the secret key can be, for example, a random Token string, and the random Token string has the characteristics of strong randomness and unpredictability, and specifically, the dynamic password can be generated by the cloud server according to a preset time interval and issued to the mobile terminal, or can be generated randomly by the mobile terminal based on a preset algorithm.

Specifically, an electromagnetic coil is set in the collection device, and after the electromagnetic coil is electrified, a magnetic field induction signal is generated and radiated outwards, namely the deduction triggering signal comprises: a magnetic field induced signal;

specifically, considering that there may be a plurality of mobile terminals around the collection device, in order to avoid the situation of false triggering, only when the distance between the mobile terminal and the collection device is smaller than the preset distance, the mobile terminal is triggered to generate and send a deduction request, based on this, after detecting the deduction trigger signal sent by the collection device, the S803 sends the deduction request to the cloud server, which specifically includes:

after detecting a magnetic field induction signal sent by the collection equipment, judging whether the magnetic field intensity of the magnetic field induction signal is larger than a preset intensity threshold value, wherein the preset intensity threshold value is determined according to the magnetic field intensity generated by the magnetic field induction signal at a preset distance from the collection equipment;

And if the magnetic field strength is greater than the preset strength threshold, sending a deduction request to the cloud server.

Further, considering that other magnetic field induction signals may exist in the environment where the collection device is located, the magnetic field induction signal received by the mobile terminal may not be sent by the collection device, but peripheral interference magnetic field signals, so as to avoid false triggering caused by the peripheral interference magnetic field signals, based on this, the sending a payment deduction request to the cloud server specifically includes:

after determining that the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold, judging whether the characteristic parameters of the magnetic field induction signal are consistent with the specified characteristic parameters, wherein the specified characteristic parameters comprise: at least one of a specified operating frequency, a specified operating frequency variation trend, and a specified magnetic field strength variation trend;

and if the characteristic parameters of the magnetic field induction signals are consistent with the appointed characteristic parameters, sending a deduction request to the cloud server.

Wherein, for the case that the dynamic password is generated and issued for the cloud server, the step S801 further includes:

receiving a dynamic password issued by a cloud server, wherein the cloud server stores a corresponding relation between the mobile terminal and the dynamic password.

Further, in order to avoid unnecessary trouble to non-consumer caused by transmission state password error on the collection device, the cloud server sends a payment confirmation request to the corresponding mobile terminal after receiving the payment request, where the payment confirmation request carries merchant information and payment information, so that a user holding the mobile terminal confirms the merchant information and the payment information, thereby improving accuracy of deduction triggering operation, and based on this, after receiving the payment confirmation request issued by the cloud server, the method further includes:

analyzing the received payment confirmation request to obtain payee information and payment information, wherein the payment information can be the total amount to be paid or the payment detail to be paid;

the payee information and the payment information are displayed such that a user holding the mobile terminal confirms the payee information and the payment information.

Further, considering that there may be a situation that the collecting device and the mobile terminal are located in different networks, in order to ensure that the collecting device can accurately receive the dynamic password broadcasted by the mobile terminal, a wireless access point AP is set in the collecting device, and the mobile terminal is accessed into a wireless local area network generated by the wireless access point AP in advance, so as to further realize transmission and reception of the dynamic password between the mobile terminal and the collecting device, based on this, the step 801 further includes, before broadcasting the dynamic password to the collecting device:

the wireless local area network where the collection device is located is accessed based on a wifi quick connection technology, wherein the wifi quick connection technology can be Smart Config technology or Smart Connect technology.

It should be noted that, another embodiment of the present application and an embodiment of the present application are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing mobile payment method, and the repetition is not repeated.

In accordance with the mobile payment method described in fig. 2 to 6, based on the same technical concept, still another embodiment of the present application further provides a mobile payment method, and fig. 9 is a schematic flow chart of the mobile payment method provided in the embodiment of the present application, where the method in fig. 9 can be executed by the cloud server in fig. 1, and as shown in fig. 9, the method at least includes the following steps:

s901, receiving a payment request uploaded by a collection device, wherein the payment request is generated by the collection device according to the determined target dynamic password;

s902, determining a target mobile terminal corresponding to the target dynamic password according to the target dynamic password in the received payment request and the corresponding relation between the pre-stored terminal and the password;

s903, sending a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request aiming at the payment confirmation request after detecting a deduction trigger signal sent by the collection equipment;

S904, receiving a deduction request sent by the target mobile terminal, and deducting money in a target account corresponding to the target mobile terminal based on the deduction request.

Wherein, for the case that the dynamic password is generated and issued for the cloud server, before receiving the payment request uploaded by the collection device, the step S901 further includes:

generating and downloading a dynamic password to the mobile terminal, and storing the corresponding relation between the mobile terminal and the dynamic password.

In order to avoid unnecessary trouble to non-consumer caused by transmission state password error on the collection device, the cloud server sends a payment confirmation request to the corresponding mobile terminal after receiving the payment request, wherein the payment confirmation request carries merchant information and payment information so that a user holding the mobile terminal confirms the merchant information and the payment information, thereby improving the accuracy of deduction triggering operation;

correspondingly, before the step S903 of sending the payment confirmation request to the target mobile terminal, the method further includes:

determining payment information according to settlement information to be paid in the payment request; determining the information of the payee according to the equipment identifier of the payee equipment in the payment request;

and generating a payment confirmation request according to the determined payment information and the payee information.

It should be noted that, the further embodiment of the present application and the embodiment of the present application are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing mobile payment method, and the repetition is not repeated.

Corresponding to the mobile payment method described in fig. 2 to 9, based on the same technical concept, the embodiment of the present application further provides a mobile payment device, and fig. 10 is a schematic diagram of module composition of the mobile payment device provided in the embodiment of the present application, where the device is used to execute the mobile payment method described in fig. 2, and the device is set in a collection device, as shown in fig. 10, and the device includes:

a dynamic password obtaining module 1001, configured to obtain a dynamic password broadcasted by at least one mobile terminal;

the payment request sending module 1002 is configured to determine a target dynamic password from the obtained dynamic passwords, generate a payment request according to the target dynamic password, and upload the payment request to a cloud server, so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password;

the trigger signal sending module 1003 is configured to send a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server after detecting the deduction trigger signal and aiming at the payment confirmation request.

Optionally, the dynamic password includes: random strings or keys.

Optionally, the deduction trigger signal includes: a magnetic field induced signal;

the trigger signal sending module 1003 is specifically configured to:

radiating the generated magnetic field induction signal outwards to enable the target mobile terminal to send a deduction request to the cloud server after the magnetic field induction signal is detected and the magnetic field intensity of the magnetic field induction signal is larger than a preset intensity threshold;

Optionally, the trigger signal sending module 1003 is further specifically configured to:

generating a magnetic field induced signal having specified characteristic parameters, wherein the specified characteristic parameters include: at least one of a specified operating frequency, a specified operating frequency variation trend, and a specified magnetic field strength variation trend;

and radiating the magnetic field induction signals with the specified characteristic parameters outwards so that the target mobile terminal can send a deduction request to the cloud server after determining that the detected magnetic field induction signals come from the collection equipment.

Optionally, the dynamic password obtaining module 1001 is specifically configured to:

Receiving a plurality of dynamic passwords broadcasted by a plurality of mobile terminals;

correspondingly, the payment request sending module 1002 is specifically configured to:

and selecting the dynamic password broadcasted by the mobile terminal with the minimum distance with the collection equipment as a target dynamic password according to the transmission parameters of each dynamic password.

Optionally, the transmission parameters include: signal strength;

the payment request sending module 1002 is further specifically configured to:

selecting the dynamic password with the maximum signal strength according to the signal strength of each dynamic password;

and determining the dynamic password with the maximum signal strength as a target dynamic password.

Optionally, the transmission parameters include: signal transmission time length;

the payment request sending module 1002 is further specifically configured to:

selecting the dynamic password with the shortest signal transmission time length according to the signal transmission time length of each dynamic password;

and determining the dynamic password with the shortest signal transmission time length as a target dynamic password.

Optionally, the dynamic password is issued to the mobile terminal by a cloud server, and the corresponding relation between the mobile terminal and the dynamic password is stored in the cloud server.

Optionally, the payment request sending module 1002 is further specifically configured to:

Acquiring settlement information to be paid and equipment identification of the collection equipment;

and generating a payment request according to the target dynamic password, the settlement information and the equipment identifier.

Optionally, the collection device and the mobile terminal are located in different networks; the device further comprises: a network access control module;

the network access control module is used for controlling the mobile terminal to access to the wireless local area network where the collection device is located based on a wifi quick connection technology before the dynamic password broadcasted by at least one mobile terminal is acquired.

In the mobile payment device in the embodiment of the application, firstly, the mobile terminal broadcasts respective dynamic passwords, and after the collection device acquires the dynamic passwords, a payment request generated according to the dynamic passwords is uploaded to a cloud server; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

It should be noted that, the mobile payment device provided in the embodiment of the present application and the mobile payment method provided in the embodiment of the present application are based on the same inventive concept, so that the implementation of the mobile payment device may refer to the implementation of the foregoing mobile payment method, and the repetition is not repeated.

Corresponding to the mobile payment method described in fig. 2 to 9, based on the same technical concept, the embodiment of the present application further provides a mobile payment device, and fig. 11 is a schematic block diagram of the mobile payment device provided in the embodiment of the present application, where the device is configured to execute the mobile payment method described in fig. 8, and the device is set in a mobile terminal, as shown in fig. 11, and the device includes:

the dynamic password broadcasting module 1101 is configured to broadcast a dynamic password to a collection device, so that the collection device uploads a payment request generated according to the dynamic password to a cloud server after receiving the dynamic password;

a confirmation request receiving module 1102, configured to receive a payment confirmation request issued by the cloud server, where the payment confirmation request is generated by the cloud server according to uploading the payment request by the collection device;

and the deduction request sending module 1103 is configured to send a deduction request to the cloud server after detecting a deduction trigger signal sent by the collection device, so that the cloud server deducts money in a target account corresponding to the mobile terminal based on the deduction request.

Optionally, the dynamic password includes: random strings or keys.

correspondingly, the deduction request sending module 1103 is specifically configured to:

after detecting a magnetic field induction signal sent by the collection device, judging whether the magnetic field intensity of the magnetic field induction signal is larger than a preset intensity threshold, wherein the preset intensity threshold is determined according to the magnetic field intensity generated by the magnetic field induction signal at a preset distance from the collection device;

if yes, sending a deduction request to the cloud server.

Optionally, the deduction request sending module 1103 is further specifically configured to:

after determining that the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold, judging whether the characteristic parameters of the magnetic field induction signal are consistent with specified characteristic parameters, wherein the specified characteristic parameters comprise: at least one of a specified operating frequency, a specified operating frequency variation trend, and a specified magnetic field strength variation trend;

if yes, sending a deduction request to the cloud server.

Optionally, the apparatus further includes: a dynamic password receiving module; the dynamic password receiving module is specifically configured to:

Before broadcasting the dynamic password to the collection device, receiving the dynamic password issued by the cloud server, wherein the corresponding relation between the mobile terminal and the dynamic password is stored in the cloud server.

Optionally, the apparatus further includes: a payment information display module; the payment information display module is specifically configured to:

after receiving a payment confirmation request issued by the cloud server, analyzing the payment confirmation request to obtain payee information and payment information;

and displaying the payee information and the payment information.

Optionally, the collection device and the mobile terminal are located in different networks; the device further comprises: a network access module; the network access module is specifically configured to:

before broadcasting a dynamic password to the collection equipment, accessing a wireless local area network where the collection equipment is located based on a wifi quick connection technology.

Corresponding to the mobile payment method described in fig. 2 to 9, based on the same technical concept, the embodiment of the present application further provides a mobile payment device, and fig. 12 is a schematic diagram of module composition of the mobile payment device provided in the embodiment of the present application, where the device is used to execute the mobile payment method described in fig. 9, and the device is set in a cloud server, as shown in fig. 12, and the device includes:

a payment request receiving module 1201, configured to receive a payment request uploaded by a payment receiving device, where the payment request is generated by the payment receiving device according to a dynamic password broadcasted by a mobile terminal;

a target terminal determining module 1202, configured to determine a target mobile terminal corresponding to the dynamic password according to the dynamic password and a pre-stored correspondence between terminals and passwords;

a confirmation request sending module 1203, configured to send a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request for the payment confirmation request after detecting a deduction trigger signal sent by the collection device;

And the deduction request receiving module 1204 is configured to receive the deduction request sent by the target mobile terminal, and perform deduction in a target account corresponding to the target mobile terminal based on the deduction request.

Optionally, the apparatus further includes: a dynamic password issuing module; the dynamic password issuing module is specifically configured to:

before receiving the payment request uploaded by the collection device, generating and downloading a dynamic password to the mobile terminal, and storing the corresponding relation between the mobile terminal and the dynamic password.

Optionally, the dynamic password includes: random strings or keys.

Optionally, the payment request carries settlement information to be paid and a device identifier of the collection device;

correspondingly, the device further comprises: a confirmation request generation module; the confirmation request generation module is specifically configured to:

before sending a payment confirmation request to the target mobile terminal, determining payment information according to the settlement information to be paid; determining the information of a payee according to the equipment identifier of the payee equipment;

and generating a payment confirmation request according to the payment information and the payee information.

Corresponding to the mobile payment method described in fig. 2 to 9, based on the same technical concept, the embodiment of the present application further provides a mobile payment system, and fig. 13 is a schematic diagram of module composition of the mobile payment system provided in the embodiment of the present application, where the system is used to execute the mobile payment method described in fig. 2 to 9, and as shown in fig. 13, the system includes: the cash register 10, the cloud server 20 and the mobile terminal 30 are connected in sequence;

wherein, the collecting device 10 is configured to obtain a dynamic password broadcasted by at least one mobile terminal 30; determining a target dynamic password in the acquired dynamic passwords, generating a payment request according to the target dynamic password, and uploading the payment request to a cloud server 20; sending a deduction trigger signal within a preset range;

the mobile terminal 30 is configured to broadcast a dynamic password to the collection device 10; receiving a payment confirmation request issued by the cloud server 20; and for the payment confirmation request, after detecting a deduction trigger signal sent by the collection device 10, sending a deduction request to the cloud server 20;

the cloud server 20 is configured to receive a payment request uploaded by the collection device 10; determining a target mobile terminal 30 corresponding to the dynamic password according to the dynamic password and the pre-stored correspondence between the terminal and the password; and sending a payment confirmation request to the target mobile terminal 30; and receiving the deduction request sent by the target mobile terminal 30, and deducting money in a target account corresponding to the target mobile terminal 30 based on the deduction request.

In the embodiment of the application, the association between the mobile terminal 30 and the collection device 10 is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal 30 is not required to have the NFC function, the offline mobile payment can be rapidly completed, and the convenience and the universality of the offline mobile payment are improved.

In one embodiment, the information interaction process between the collection device 10, the cloud server 20, and the mobile terminal 30 in the mobile payment system is specifically:

the cloud server 20 generates a random character string at regular time and stores a corresponding relation between the mobile terminal 30 and the random character string, wherein in order to reduce the information processing amount of the cloud server 20, unnecessary trouble is avoided for a non-payment user, and the corresponding random character string is sent to the mobile terminal 30 only after detecting that the mobile terminal 30 starts a designated application and triggers a preset clicking operation;

the cloud server 20 issues the random character string to the corresponding mobile terminal 30;

after receiving the random string, the mobile terminal 30 broadcasts the random string to the collecting device 10;

the collecting device 10 determines a target random character string among the received at least one random character string;

The collection device 10 generates a payment request according to the determined target random character string;

the collecting device 10 uploads the generated payment request to the cloud server 20, wherein the payment request carries a target random string, a self device identifier and settlement information to be paid;

after receiving the payment request, the cloud server 20 determines the mobile terminal 30 corresponding to the target random string according to a pre-stored corresponding relation;

the cloud server 20 sends a payment confirmation request to the mobile terminal 30 corresponding to the target random string, wherein the payment confirmation request carries merchant information and payment information;

after receiving the payment confirmation request, the mobile terminal 30 analyzes and displays merchant information and payment information carried in the payment confirmation request, so that a consumer holding the mobile terminal 30 confirms the merchant information and the payment information, and after the consumer confirms the merchant information and the payment information, the mobile terminal 30 is attached to the collection device 10;

the collecting device 10 radiates a magnetic field induction signal outwards, wherein the magnetic field intensity of the magnetic field induction signal at a preset distance from the collecting device 10 is a preset intensity threshold value, and the characteristic parameter of the magnetic field induction signal is a specified characteristic parameter;

The mobile terminal 30 generates a deduction request after the magnetic field strength is greater than a magnetic field induction signal of a preset strength threshold value and the characteristic parameter is consistent with the specified characteristic parameter, in fig. 7, the magnetic field strength is greater than the preset strength threshold value within a range enclosed by a solid line, and the deduction request is generated only when the distance between the mobile terminal 30 and the collection device 10 is smaller than the preset distance;

the mobile terminal 30 sends the generated deduction request to the cloud server 20;

the cloud server 20 receives the deduction request and then deducts money from the corresponding target account number to complete off-line mobile payment.

In the mobile payment system in the embodiment of the application, firstly, the mobile terminal broadcasts respective dynamic passwords, and after the collection device acquires the dynamic passwords, a payment request generated according to the dynamic passwords is uploaded to a cloud server; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. In the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the code scanning operation is not required to be executed, the mobile terminal is not required to have the NFC function, the off-line mobile payment can be rapidly completed, and the convenience and the universality of the off-line mobile payment are improved.

It should be noted that, the mobile payment system provided in the embodiment of the present application and the mobile payment method provided in the embodiment of the present application are based on the same inventive concept, so that the implementation of the mobile payment system can refer to the implementation of the foregoing mobile payment method, and the repetition is not repeated.

Further, according to the method shown in fig. 2 to 9, based on the same technical concept, the embodiment of the application further provides a mobile payment device, which is used for executing the mobile payment method as shown in fig. 14.

The mobile payment device may vary considerably in configuration or performance and may include one or more processors 1401 and memory 1402, where the memory 1402 may store one or more stored applications or data. Wherein memory 1402 may be a transitory storage or a persistent storage. The application program stored in memory 1402 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for use in a mobile payment device. Still further, the processor 1401 may be configured to communicate with the memory 1402 and execute a series of computer executable instructions in the memory 1402 on the mobile payment device. The mobile payment device may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input output interfaces 1405, one or more keyboards 1406, and the like.

In one particular embodiment, a mobile 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 mobile payment device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:

acquiring a dynamic password broadcasted by at least one mobile terminal;

Optionally, the computer executable instructions, when executed, the dynamic password comprising: random strings or keys.

Optionally, the deduction trigger signal comprises: a magnetic field induced signal;

the sending a deduction triggering signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server for the payment confirmation request after detecting the deduction triggering signal, including:

Optionally, the computer executable instructions, when executed, radiate the generated magnetic field induced signal outward, comprising:

Optionally, the computer executable instructions, when executed, obtain a dynamic password broadcasted by the at least one mobile terminal, comprising:

the determining the target dynamic password in the obtained dynamic passwords comprises the following steps:

Optionally, the transmission parameters include, when executed, computer executable instructions: signal strength;

according to the transmission parameters of each dynamic password, selecting the dynamic password broadcasted by the mobile terminal with the smallest distance with the collection equipment as a target dynamic password, wherein the method comprises the following steps:

Optionally, the transmission parameters include, when executed, computer executable instructions: signal transmission time length;

Optionally, when the computer executable instruction is executed, the dynamic password is issued to the mobile terminal by the cloud server, and the corresponding relationship between the mobile terminal and the dynamic password is stored in the cloud server.

Optionally, the computer executable instructions, when executed, generate a payment request from the target dynamic password, comprising:

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

the collection device and the mobile terminal are located in different networks;

before acquiring the dynamic password broadcasted by at least one mobile terminal, the method further comprises the following steps:

and controlling the mobile terminal to access the wireless local area network where the collection equipment is located based on a wifi quick connection technology.

Firstly, broadcasting respective dynamic passwords by a mobile terminal, and uploading a payment request generated according to the dynamic passwords to a cloud server after the dynamic passwords are acquired by a collection device; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. Therefore, through the mobile payment equipment in the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the off-line mobile payment can be rapidly completed without executing code scanning operation or the NFC function of the mobile terminal, and the convenience and the universality of the off-line mobile payment are improved.

In another particular embodiment, a mobile 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 mobile payment device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:

after detecting the deduction trigger signal sent by the collection device, sending a deduction request to the cloud server, wherein the deduction request comprises the following steps:

If yes, sending a deduction request to the cloud server.

Optionally, the sending, by the computer executable instructions when executed, a deduction request to the cloud server includes:

if yes, sending a deduction request to the cloud server.

before broadcasting the dynamic password to the collection device, the method further comprises:

receiving a dynamic password issued by a cloud server, wherein the cloud server stores a corresponding relation between a mobile terminal and the dynamic password.

after receiving the payment confirmation request issued by the cloud server, the method further comprises the following steps:

Analyzing the payment confirmation request to obtain payee information and payment information;

and displaying the payee information and the payment information.

Optionally, the computer-executable instructions, when executed, further comprise computer-executable instructions for: the collection device and the mobile terminal are located in different networks;

and accessing the wireless local area network where the collection equipment is located based on a wifi quick connection technology.

In yet another particular embodiment, a mobile 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 mobile payment device, and the execution of the one or more programs by one or more processors comprises computer-executable instructions for:

before receiving the payment request uploaded by the collection device, the method further comprises the following steps:

the payment request carries settlement information to be paid and equipment identification of the collection equipment;

before sending the payment confirmation request to the target mobile terminal, the method further comprises:

determining payment information according to the settlement information to be paid; determining the information of a payee according to the equipment identifier of the payee equipment;

Further, in correspondence to the methods shown in fig. 2 to 9, based on the same technical concept, the embodiments of the present application further provide a storage medium, which is used to store computer executable instructions, and in a specific embodiment, the storage medium may be a U disc, an optical disc, a hard disk, etc., where the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:

acquiring a dynamic password broadcasted by at least one mobile terminal;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the dynamic password comprises: random strings or keys.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the deduction trigger signal comprises: a magnetic field induced signal;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, radiate the generated magnetic field induced signal comprising:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, obtain the dynamic password broadcasted by the at least one mobile terminal, including:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the transmission parameters include: signal strength;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the transmission parameters include: signal transmission time length;

Optionally, when the computer executable instruction stored in the storage medium is executed by the processor, the dynamic password is issued to the mobile terminal by the cloud server, and the corresponding relationship between the mobile terminal and the dynamic password is stored in the cloud server.

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, generate a payment request according to the target dynamic password, comprising:

Optionally, the computer executable instructions stored by the storage medium, when executed by the processor, further implement the following:

When the computer executable instructions stored in the storage medium in the embodiment of the application are executed by the processor, firstly, the mobile terminal broadcasts respective dynamic passwords, and after the collection device acquires the dynamic passwords, a payment request generated according to the dynamic passwords is uploaded to the cloud server; then, the cloud server sends a payment confirmation request to a corresponding target mobile terminal according to the dynamic password, and the mobile terminal automatically sends a deduction request to the cloud server after receiving the payment confirmation request and detecting a deduction trigger signal sent by a collection device; and finally, the cloud server performs deduction operation based on the deduction request. Therefore, through the storage medium in the embodiment of the application, the association between the mobile terminal and the collection equipment is realized based on the dynamic password, and meanwhile, the automatic triggering payment confirmation is realized based on the payment triggering signal, so that the off-line mobile payment can be rapidly completed without executing code scanning operation or the NFC function of the mobile terminal, and the convenience and the universality of the off-line mobile payment are improved.

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, where the computer executable instructions stored in the storage medium when executed by the processor implement the following procedures:

if yes, sending a deduction request to the cloud server.

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, send a deduction request to the cloud server, including:

if yes, sending a deduction request to the cloud server.

and displaying the payee information and the payment information.

In yet another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, where the computer executable instructions stored on the storage medium when executed by the processor implement the following procedures:

In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present application.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application 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.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims

1. A mobile payment method applied to a collection device, the method comprising:

acquiring a dynamic password broadcasted by a mobile terminal, determining a target dynamic password in the acquired dynamic password, generating a payment request according to the target dynamic password, and uploading the payment request to a cloud server so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password;

Sending a deduction triggering signal, so that the target mobile terminal responds to the confirmation operation of the consumer on the payment confirmation request, and sending a deduction request to the cloud server after detecting the deduction triggering signal, wherein the deduction triggering signal comprises the following components: the magnetic field induces a signal.

2. The method of claim 1, wherein the sending a deduction trigger signal to enable the target mobile terminal to send a deduction request to the cloud server after detecting the deduction trigger signal in response to a confirmation operation of the consumer on the payment confirmation request comprises:

3. The method of claim 2, the externally-radiated magnetic field induced signal comprising:

4. The method of claim 1, wherein the acquiring the dynamic password broadcasted by the mobile terminal, and determining the target dynamic password from the acquired dynamic passwords, comprises:

5. The method of claim 4, the transmission parameters comprising: signal strength or signal transmission duration;

under the condition that the transmission parameters comprise the signal intensity, selecting the dynamic password with the maximum signal intensity according to the signal intensity of each dynamic password, and determining the dynamic password with the maximum signal intensity as a target dynamic password; or,

And under the condition that the transmission parameters comprise the signal transmission time length, selecting the dynamic password with the shortest signal transmission time length according to the signal transmission time length of each dynamic password, and determining the dynamic password with the shortest signal transmission time length as a target dynamic password.

6. The method of claim 1, the generating a payment request from the target dynamic password, comprising:

7. The method of any one of claims 1 to 6, the checkout device being located in a different network than the mobile terminal;

8. A mobile payment method applied to a mobile terminal, the method comprising:

acquiring a dynamic password issued by a cloud server;

responding to the confirmation operation of the consumer on the payment confirmation request, and after detecting a deduction trigger signal sent by the collection device, sending a deduction request to the cloud server so that the cloud server deducts money in a target account corresponding to the mobile terminal based on the deduction request, wherein the deduction trigger signal comprises: the magnetic field induces a signal.

9. The method of claim 8, wherein the sending a deduction request to the cloud server after detecting a deduction trigger signal sent by the collection device comprises:

if yes, sending a deduction request to the cloud server.

10. The method of claim 9, the sending a deduction request to the cloud server comprising:

if yes, sending a deduction request to the cloud server.

11. The method of claim 8, after receiving a payment confirmation request issued by the cloud server, further comprising:

and displaying the payee information and the payment information.

12. The method of any of claims 8 to 11, the checkout device being located in a different network than the mobile terminal;

13. A mobile payment method applied to a cloud server, the method comprising:

generating and downloading a dynamic password to the mobile terminal, and storing a corresponding relation between the mobile terminal and the dynamic password;

sending a payment confirmation request to the target mobile terminal, so that the target mobile terminal responds to the confirmation operation of a consumer on the payment confirmation request, and sending a deduction request after detecting a deduction trigger signal sent by the collection device, wherein the deduction trigger signal comprises: a magnetic field induced signal;

14. A mobile payment device, the device disposed at a checkout device, the device comprising:

the dynamic password acquisition module is used for acquiring a dynamic password broadcasted by the mobile terminal and determining a target dynamic password in the acquired dynamic password;

the payment request sending module is used for generating a payment request according to the target dynamic password and uploading the payment request to a cloud server so that the cloud server sends a payment confirmation request to a target mobile terminal corresponding to the target dynamic password;

The trigger signal sending module is used for sending a deduction trigger signal so that the target mobile terminal responds to the confirmation operation of the consumer on the payment confirmation request, and sends a deduction request to the cloud server after detecting the deduction trigger signal, wherein the deduction trigger signal comprises: the magnetic field induces a signal.

15. A mobile payment device, the device being disposed at a mobile terminal, the device comprising:

the dynamic password acquisition module is used for acquiring a dynamic password issued by the cloud server;

the payment request sending module is configured to send a payment request to the cloud server after detecting a payment triggering signal sent by the collection device in response to a confirmation operation of a consumer on the payment confirmation request, so that the cloud server performs payment in a target account corresponding to the mobile terminal based on the payment request, where the payment triggering signal includes: the magnetic field induces a signal.

16. A mobile payment device, the device disposed at a cloud server, the device comprising:

the dynamic password issuing module is used for generating and issuing a dynamic password to the mobile terminal and storing the corresponding relation between the mobile terminal and the dynamic password;

the system comprises a confirmation request sending module, a payment confirmation request sending module and a payment confirmation module, wherein the confirmation request sending module is used for sending a payment confirmation request to the target mobile terminal so that the target mobile terminal responds to the confirmation operation of a consumer on the payment confirmation request and sends a deduction request after detecting a deduction trigger signal sent by the collection equipment, and the deduction trigger signal comprises: a magnetic field induced signal;

17. A mobile payment system, the system comprising: the collection device, the cloud server and the mobile terminal are connected in sequence;

the collection equipment is used for acquiring a dynamic password broadcasted by the mobile terminal, determining a target dynamic password in the acquired dynamic password, generating a payment request according to the target dynamic password, and uploading the payment request to the cloud server; sending a deduction trigger signal;

the mobile terminal is used for acquiring a dynamic password issued by the cloud server; broadcasting a dynamic password to a collection device, so that the collection device uploads a payment request generated according to the dynamic password to a cloud server after receiving the dynamic password; receiving a payment confirmation request issued by the cloud server; and responding to the confirmation operation of the consumer on the payment confirmation request, and after detecting a deduction trigger signal sent by the collection device, sending a deduction request to the cloud server, wherein the deduction trigger signal comprises: a magnetic field induced signal;

the cloud server is used for generating and downloading a dynamic password to the mobile terminal and storing the corresponding relation between the mobile terminal and the dynamic password; receiving a payment request uploaded by a collection device; determining a target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored corresponding relation between the terminal and the password; sending a payment confirmation request to the target mobile terminal; and receiving the deduction request sent by the target mobile terminal, and performing deduction in a target account corresponding to the target mobile terminal based on the deduction request.

18. A mobile payment device, comprising:

a processor; and

19. A mobile payment device, comprising:

a processor; and

acquiring a dynamic password issued by a cloud server;

20. A mobile payment device, comprising:

a processor; and

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

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

acquiring a dynamic password issued by a cloud server;

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