CN112613870A

CN112613870A - Payment processing method, payment processing device, self-service equipment, payment terminal, payment system and payment medium

Info

Publication number: CN112613870A
Application number: CN202011545844.6A
Authority: CN
Inventors: 徐旋
Original assignee: Chinabank Payments Beijing Technology Co Ltd
Current assignee: Chinabank Payments Beijing Technology Co Ltd
Priority date: 2020-12-23
Filing date: 2020-12-23
Publication date: 2021-04-06
Anticipated expiration: 2040-12-23
Also published as: CN112613870B

Abstract

The invention provides a payment processing method, a payment processing device, self-service equipment, a payment terminal, a payment system and a medium, wherein the method applied to the self-service equipment comprises the following steps: acquiring amount information to be paid; responding to the detected payment mode selection operation, and sending a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result; and receiving and displaying the payment result sent by the payment terminal. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the method is improved.

Description

Payment processing method, payment processing device, self-service equipment, payment terminal, payment system and payment medium

Technical Field

The invention relates to the technical field of financial payment, in particular to a payment processing method, a payment processing device, self-service equipment, a payment terminal, a payment system and a payment processing medium.

Background

In a current online receipt scene or a self-service settlement scene, a user may use a self-service device, such as a self-service cash register, to perform code scanning payment and face payment, or may also use a payment terminal, such as a POS (Point of Sales) device, to perform physical card payment or NFC (Near Field Communication or Near Field Communication) payment.

However, the self-service device cannot support physical card payment and NFC payment due to the limitation of its hardware, and the payment terminal is limited by its screen size, and can only display text information such as amount of money, but cannot perform diversified information display, so the application range of the self-service device and the payment terminal is small.

Disclosure of Invention

The present invention is directed to solving, at least to some extent, one of the technical problems in the related art.

The invention provides a payment processing method, a payment processing device, self-service equipment, a payment terminal, a payment system and a medium, which are used for realizing the purpose that the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be simultaneously overcome, and the applicability of the method is improved.

An embodiment of a first aspect of the present invention provides a payment processing method, which is applied to a self-service device, and includes:

acquiring amount information to be paid;

responding to the detected payment mode selection operation, and sending a consumption instruction to a payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result;

and receiving and displaying the payment result sent by the payment terminal.

The payment processing method of the embodiment of the invention comprises the steps of obtaining amount information to be paid through self-service equipment, responding to detected payment mode selection operation, and sending a consumption instruction to a payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result; and receiving and displaying the payment result sent by the payment terminal. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the method is improved.

The embodiment of the second aspect of the present invention provides another payment processing method, which is applied to a payment terminal, and includes:

receiving a consumption instruction sent by the self-service equipment; wherein, the consumption instruction carries the information of the amount to be paid;

executing a payment process according to the amount information to obtain a payment result;

and sending the payment result to the self-service equipment so as to display the payment result on the self-service equipment.

According to the payment processing method, the consumption instruction sent by the self-service equipment is received through the payment terminal; the consumption instruction carries amount information to be paid, a payment process is executed according to the amount information to obtain a payment result, and the payment result is sent to the self-service equipment so as to be displayed on the self-service equipment. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the method is improved.

An embodiment of a third aspect of the present invention provides a payment processing apparatus, which is applied to a self-service device, and includes:

the acquisition module is used for acquiring amount information to be paid;

the instruction sending module is used for responding to the detected payment mode selection operation and sending a consumption instruction to the payment terminal through communication connection between the instruction sending module and the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result;

and the result receiving module is used for receiving and displaying the payment result sent by the payment terminal.

The payment processing device of the embodiment of the invention obtains amount information to be paid through self-service equipment, responds to the detected payment mode selection operation, and sends a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result; and receiving and displaying the payment result sent by the payment terminal. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information and payment results is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the device is improved.

The fourth aspect of the present invention provides another payment processing apparatus, applied to a payment terminal, including:

the instruction receiving module is used for receiving a consumption instruction sent by the self-service equipment; wherein, the consumption instruction carries the information of the amount to be paid;

the execution module is used for executing a payment process according to the amount information to obtain a payment result;

and the result sending module is used for sending the payment result to the self-service equipment so as to display the payment result on the self-service equipment.

The payment processing device receives a consumption instruction sent by the self-service equipment through the payment terminal; the consumption instruction carries amount information to be paid, a payment process is executed according to the amount information to obtain a payment result, and the payment result is sent to the self-service equipment so as to be displayed on the self-service equipment. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information and payment results is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the device is improved.

An embodiment of a fifth aspect of the present invention provides a self-service device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the payment processing method according to the embodiment of the first aspect of the present invention.

A sixth aspect of the present invention provides a payment terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the program to implement the payment processing method according to the second aspect of the present invention.

An embodiment of a seventh aspect of the present invention provides a payment system, including: the payment system comprises self-service equipment, a payment terminal, a server of the self-service equipment and a payment server;

the self-service equipment is used for executing the payment processing method according to the embodiment of the first aspect of the invention;

the server of the self-service equipment is communicated with the self-service equipment and used for sending amount information to be paid to the self-service equipment and acquiring a payment result of the payment terminal from the self-service equipment;

the payment terminal is communicated with the self-service equipment and is used for executing the payment processing method in the embodiment of the second aspect of the invention;

and the payment server is communicated with the payment terminal and is used for executing a payment process.

An eighth aspect of the present invention provides a non-transitory computer readable storage medium, on which a computer program is stored, wherein the program, when executed by a processor, implements a payment processing method according to the first aspect of the present invention, or implements a payment processing method according to the second aspect of the present invention.

A ninth aspect embodiment of the present invention provides a computer program product, wherein instructions of the computer program product, when executed by a processor, perform the payment processing method according to the first aspect embodiment of the present invention or the payment processing method according to the second aspect embodiment of the present invention.

Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.

Drawings

The foregoing and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

fig. 1 is a schematic flow chart of a payment processing method according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a communication connection between a self-service device and a payment terminal according to an embodiment of the present invention;

fig. 3 is a schematic flow chart of a payment processing method according to a second embodiment of the present invention;

fig. 4 is a schematic flow chart of a payment processing method according to a third embodiment of the present invention;

fig. 5 is a schematic flow chart of a payment processing method according to a fourth embodiment of the present invention;

fig. 6 is a schematic flowchart of a payment processing method according to a fifth embodiment of the present invention;

fig. 7 is a schematic flow chart of a payment processing method according to a sixth embodiment of the present invention;

FIG. 8 is a schematic diagram of an interaction timing sequence in an embodiment of the invention;

fig. 9 is a schematic structural diagram of a payment processing apparatus according to a seventh embodiment of the present invention;

fig. 10 is a schematic structural diagram of a payment processing apparatus according to an eighth embodiment of the present invention;

fig. 11 is a schematic structural diagram of a payment system according to a ninth embodiment of the present invention;

FIG. 12 illustrates a block diagram of an exemplary computer device suitable for use in implementing embodiments of the present invention.

Detailed Description

Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative and intended to be illustrative of the invention and are not to be construed as limiting the invention.

In the current online receipt scene or self-service settlement scene, the large screen of the self-service equipment can display commodity information, and a user can use the self-service equipment, such as a self-service cash register, to perform code scanning payment and face payment. However, since the self-service device does not have built-in hardware modules such as card swiping, card inserting, and NFC, the self-service device cannot support payment of physical cards such as bank cards and shopping cards, and does not support NFC payment such as Apple Pay and digital currency. Moreover, if the payment of the bank card is supported, the bank union detection is needed to obtain a corresponding qualification certificate, and then the offline receipt can be carried out.

The Apple Pay is a mobile phone payment function based on NFC.

Alternatively, the user may make a physical card payment or NFC payment using a payment terminal, such as a POS device. However, since the screen of the payment terminal is small, it cannot be used for a large amount of diversified information presentation such as commodity information, settlement information, and picture animation.

The POS equipment is divided into intelligent POS equipment and traditional POS equipment, screens of the two types of POS equipment are small, diversified information display cannot be carried out, and the traditional POS equipment can only display text information such as money amount.

In summary, in the related art, the application ranges of the self-service device and the payment terminal are small.

Therefore, the embodiment of the invention provides a payment processing method mainly aiming at the technical problem that the application range of self-service equipment and a payment terminal is small.

The payment processing method of the embodiment of the invention comprises the steps of obtaining amount information to be paid through self-service equipment, responding to detected payment mode selection operation, and sending a consumption instruction to a payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result; and receiving and displaying the payment result sent by the payment terminal. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid (such as a commodity), settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and entity card swiping payment, NFC payment and the like are carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the method is improved.

A payment processing method, an apparatus, a self-service device, a payment terminal, a system, and a medium according to embodiments of the present invention are described below with reference to the accompanying drawings.

Fig. 1 is a schematic flow chart of a payment processing method according to an embodiment of the present invention.

The payment processing method of the embodiment of the invention can be executed by self-service equipment, and the self-service equipment can be equipment for realizing self-service shopping, such as a self-service cash register and the like.

As shown in fig. 1, the payment processing method may include the steps of:

step 101, obtaining amount information to be paid.

In the embodiment of the invention, the amount information to be paid is the amount of money required to be paid by the user.

In the embodiment of the invention, the amount information to be paid is determined according to the object to be paid, wherein the object to be paid can be a commodity, for example.

For example, the self-service device may scan an identification code of the object to be paid, such as a barcode, a two-dimensional code, and the like, and obtain information of the object to be paid, such as name, amount, quantity, and the like of the object to be paid, so in the embodiment of the present invention, the amount information to be paid may be determined according to the information of the object to be paid.

And 102, responding to the detected payment mode selection operation, and sending a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result.

In the embodiment of the present invention, the payment method may include, but is not limited to, card swiping payment for physical cards such as bank cards and shopping cards, and NFC payment such as Apple Pay and digital currency.

In the embodiment of the invention, the payment terminal can be a POS device and other terminal devices with functions of supporting consumption, transferring accounts and the like.

In the embodiment of the present invention, the communication connection between the self-service terminal and the payment terminal may be a wired connection, or may also be a wireless connection, which is not limited in the embodiment of the present invention.

In the embodiment of the invention, the user can select the corresponding payment mode on the display interface of the self-service equipment according to the self-service requirement, for example, the self-service equipment can provide an interface for executing the payment mode selection operation, the interface can be provided with selection controls of different payment modes, and the user can select the corresponding payment mode by triggering the corresponding selection control. Correspondingly, when the self-service equipment detects that the user triggers the payment mode selection operation, the self-service equipment can respond to the detected payment mode selection operation and send a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information to be paid. Correspondingly, after the payment terminal receives the consumption instruction, the payment process can be executed according to the amount information to be paid to obtain a payment result, and the payment result is sent to the self-service equipment through communication connection between the payment terminal and the self-service equipment.

And 103, receiving and displaying the payment result sent by the payment terminal.

In the embodiment of the invention, the self-service equipment can receive the payment result sent by the payment terminal and display the payment result on the display interface. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information (such as amount information to be paid) and payment results is displayed through a screen of the self-service equipment, and entity card swiping payment, NFC payment and the like are carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the method is improved.

As an adaptive scenario, referring to fig. 2, when the communication connection between the self-service device 21 and the payment terminal 22 is a wired connection, for example, the self-service device 21 may be connected to the payment terminal 22 through a serial port line 23, the self-service device 21 may be used for diversified information display and payment request initiation, and the payment terminal 22 is used for initiating an order receipt to obtain a payment result, where the payment method may include physical card and mobile phone payment such as a bank card, a shopping card, Apple Pay, digital currency, and flash payment. The serial port line 23 may be used to connect the self-service device 21 and the payment terminal 22, and transparently transmit (or is called transparent transmission) data sent by the self-service device 21 to the payment terminal 22 and data sent by the payment terminal 22 to the self-service device 21.

Therefore, in a self-service settlement scene of an entity store such as an online store, a supermarket and the like, data communication between the self-service equipment and the payment terminal is realized through a serial port line, the payment terminal can support payment of an entity card (a bank card, a shopping card and the like), NFC (Apple Pay, digital currency and the like), the defect of the self-service equipment in the aspect is overcome, a screen of the self-service equipment can support display of more information, such as information, settlement information, preferential information, diversified pictures and animation resources of an object to be paid (such as a commodity), the payment experience of a user is improved, and the defect of the payment terminal in the aspect is overcome.

In the embodiment of the invention, fig. 2 illustrates the payment terminal 22 as a POS device, and when the payment terminal 22 is a POS device, due to popularization of the intelligent POS device, the existing and obsolete traditional POS devices cannot be used.

It should be noted that, during actual application, a user may have an operation error, for example, an identification code of the same object to be paid is repeatedly scanned, so that amount information to be paid is higher than an actual amount of the object to be paid, or the user purchases an object to be paid by mistake, or the user does not want to purchase an object to be paid, or the user wants to continue to select an object to be paid, and the like. The above process will be described in detail with reference to the second embodiment.

Fig. 3 is a flowchart illustrating a payment processing method according to a second embodiment of the present invention.

As shown in fig. 3, on the basis of the embodiment shown in fig. 1, after the self-service device sends the consumption instruction to the payment terminal, the payment processing method may further include the following steps:

step 201, a cancellation control for canceling the payment process is displayed.

In the embodiment of the present invention, after the self-service device sends the consumption instruction, a cancellation control for canceling the payment process may be displayed on the display interface, for example, the cancellation control may be an "x" control.

Step 202, responding to the triggering operation of the cancellation control, and sending a cancellation instruction to the payment terminal.

In the embodiment of the invention, in the process that the payment terminal executes the payment process according to the amount information to be paid, the user can trigger the triggering operation of the cancellation control at any time, and after the self-service equipment detects that the user triggers the triggering operation of the cancellation control, the self-service equipment can respond to the triggering operation of the cancellation control and send a cancellation instruction to the payment terminal.

And step 203, receiving a cancellation response sent by the payment terminal.

In the embodiment of the present invention, the cancellation response may be a cancellation response for indicating that cancellation is successful, or may be a cancellation response for indicating that cancellation is failed.

It can be understood that, after receiving the consumption instruction, the payment terminal may execute a payment process according to the amount information to be paid carried in the consumption instruction, when the payment terminal receives a cancellation instruction in the process of executing the payment process, the payment process cannot be directly terminated, and the payment state also needs to be queried, and when the payment state is a read card or a swiped card, for example, when a user uses a shopping card for payment, and at this time, corresponding amount information in the shopping card has been deducted, the payment process cannot be terminated, the payment process needs to be continuously executed, and when the payment state is an unread card or a swiped card, the payment process may be terminated.

Specifically, after receiving the cancel instruction, the payment terminal may query the payment state in response to the cancel instruction, send a cancel response indicating that the cancellation is successful to the self-service device and terminate the payment process when the payment state is the non-swiping card or the unread card, and send a cancel response indicating that the cancellation is failed to the self-service device and continue to execute the payment process when the payment state is the read card or the swiped card. Accordingly, the self-service terminal can receive the cancellation response sent by the payment terminal.

And step 204, determining and displaying a cancellation result according to the cancellation response.

In the embodiment of the invention, after receiving the cancellation response sent by the payment terminal, the self-service terminal can determine the cancellation result according to the cancellation response and display the cancellation result on the display interface. For example, when the cancellation response is a cancellation response indicating a cancellation success, the cancellation result may be a cancellation success, and when the cancellation response is a cancellation response indicating a cancellation failure, the cancellation result may be a cancellation failure. Therefore, on one hand, the user can visually know the cancellation result, and on the other hand, the actual payment requirement of the user can be met.

In a possible implementation manner of the embodiment of the present invention, after the self-service device sends the consumption instruction to the payment terminal, when the payment terminal receives the consumption instruction, the consumption response may be fed back to the self-service device, so that the self-service device obtains the current processing state. Specifically, after the self-service device sends the consumption instruction to the payment terminal, timing may be performed, and it is determined whether a consumption response sent by the payment terminal is received before the timing duration reaches the set duration, and under the condition that the consumption response sent by the payment terminal is received before the timing duration reaches the set duration, a payment result sent by the payment terminal may be monitored, and under the condition that the timing duration reaches the set duration and the consumption response sent by the payment terminal is not received, a payment failure may be displayed, and a jump is made to an interface for executing a payment mode selection operation, so that step 102 and subsequent steps may be continuously executed. Therefore, the user can know the payment state in time, and can send the consumption instruction to the payment terminal again under the condition of payment failure so as to improve the success rate of payment.

The set time duration is preset, and it should be understood that, in order to improve the payment efficiency, the set time duration should not be set too large, for example, the set time duration may be 2 seconds, 3 seconds, and the like.

In a possible implementation manner of the embodiment of the present invention, the payment state may be monitored by a server of the self-service device, and when the payment is completed, the self-service device may notify the server of the self-service device that the payment is completed, and specifically, after receiving the payment result, the self-service device may send the payment result to the server of the self-service device to notify the server of the self-service device that the payment state is the completion state.

In a possible implementation manner of the embodiment of the invention, the amount information to be paid can be calculated by the server of the self-service device, and the calculation result is sent to the self-service device, so that the calculation pressure of the self-service device is reduced. The above process is described in detail with reference to example three.

Fig. 4 is a schematic flow chart of a payment processing method according to a third embodiment of the present invention.

As shown in fig. 4, the payment processing method may include the steps of:

step 301, responding to a trigger operation on a calculation control, and sending a payment request to a server of self-service equipment; the payment request carries information of the object to be paid.

In the embodiment of the invention, the information of the object to be paid can comprise information such as name, amount, quantity and the like of the object to be paid.

In the embodiment of the invention, the self-service equipment can provide a settlement interface, the settlement interface can be provided with a settlement control, and a user can trigger the settlement control to trigger a subsequent payment process. Specifically, the self-service device may send a payment request to a server of the self-service device in response to a triggering operation of a user on the settlement control, where the payment request carries information of an object to be paid.

For example, the self-service device may scan identification codes of objects to be paid, such as bar codes, two-dimensional codes and the like, to obtain information of the objects to be paid, may detect whether a user has triggered a trigger operation on the computation control after scanning all the identification codes of the objects to be paid, and may send a payment request to a server of the self-service device in response to the trigger operation on the computation control when the user has triggered the trigger operation on the computation control.

Step 302, receiving a payment response sent by a server of the self-service equipment; the payment response carries amount information, and the amount information is determined according to the object to be paid.

In the embodiment of the invention, after receiving the payment request, the server of the self-service equipment can determine the amount information to be paid according to the information of the object to be paid in the payment request, and send the payment response carrying the amount information to the self-service equipment, and in response, the self-service equipment can receive the payment response sent by the server of the self-service equipment and determine the amount information to be paid according to the payment response.

In a possible implementation manner of the embodiment of the invention, after the amount information to be paid is determined, the amount information to be paid can be displayed, on one hand, a user can conveniently know the specific amount information, and on the other hand, a proper payment mode can be selected for payment according to the amount information, so that the condition that the payment cannot be carried out due to insufficient balance is avoided.

And 303, responding to the detected payment mode selection operation, and sending a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result.

And step 304, receiving and displaying the payment result sent by the payment terminal.

The execution process of steps 303 to 304 may refer to the execution process of steps 102 to 103 in the above embodiments, which is not described herein again.

Fig. 1 to fig. 3 are diagrams illustrating methods executed by a self-service device, and an embodiment of the present invention further provides a method executed by a payment terminal.

Fig. 5 is a schematic flow chart of a payment processing method according to a fourth embodiment of the present invention.

The payment processing method of the embodiment of the invention can be executed by the payment terminal, wherein the payment terminal can be a POS device and other terminal devices with functions of supporting consumption, transferring accounts and the like.

As shown in fig. 5, the payment processing method may include the steps of:

step 401, receiving a consumption instruction sent by self-service equipment; wherein, the consumption instruction carries the information of the amount to be paid.

In the embodiment of the invention, after the self-service equipment determines the amount information to be paid, the self-service equipment can respond to the detected payment mode selection operation and send a consumption instruction to the payment terminal through the communication connection with the payment terminal, and correspondingly, the payment terminal can receive the consumption instruction sent by the self-service equipment, wherein the consumption instruction carries the amount information. The payment method may include, but is not limited to, card swiping payment of a physical card such as a bank card and a shopping card, and NFC payment such as Apple Pay and digital currency.

Specifically, the user may select the corresponding payment method on the display interface of the self-service device according to the self-service device's own needs, for example, the self-service device may provide an interface for performing payment method selection operation, the interface may have selection controls of different payment methods, and the user may select the corresponding payment method by triggering the corresponding selection control. Correspondingly, when the self-service device detects that the user triggers the payment mode selection operation, the self-service device can respond to the detected payment mode selection operation and send a consumption instruction to the payment terminal through the communication connection with the payment terminal, and correspondingly, the payment terminal can receive the consumption instruction sent by the self-service device.

And 402, executing a payment process according to the amount information to obtain a payment result.

In the embodiment of the invention, the payment terminal can execute the payment process according to the amount information to obtain the payment result. For example, the payment terminal may prompt the user to execute a payment page for card reading or swiping, so that the user may trigger the corresponding card reading or swiping according to the prompt information, and the payment terminal may obtain the payment result in response to the card reading or swiping triggered by the user.

And step 403, sending the payment result to the self-service equipment so as to display the payment result on the self-service equipment.

In the embodiment of the invention, after the payment terminal obtains the payment result, the payment result can be sent to the self-service equipment, and correspondingly, after the self-service equipment receives the payment result, the payment result can be displayed.

It should be noted that, during actual application, a user may have an operation error, for example, the identification code of the same object to be paid is repeatedly scanned, so that the amount information to be paid is higher than the actual amount of the object to be paid, or the user purchases the object to be paid by mistake, at this time, the user does not want to purchase a certain object to be paid, or the user wants to continue to select the object to be paid, and the like. The above process will be described in detail with reference to the fifth embodiment.

Fig. 6 is a schematic flowchart of a payment processing method according to a fifth embodiment of the present invention.

As shown in fig. 6, on the basis of the embodiment shown in fig. 5, after the payment terminal receives the consumption instruction sent by the self-service device, the payment processing method may further include the following steps:

step 501, receiving a cancellation instruction sent by the self-service equipment.

In the embodiment of the invention, in the process that the payment terminal executes the payment process according to the amount information to be paid, the user can trigger the triggering operation of the cancellation control at any time, and after the self-service equipment detects that the user triggers the triggering operation of the cancellation control, the self-service equipment can respond to the triggering operation of the cancellation control and send a cancellation instruction to the payment terminal. Accordingly, the payment terminal can receive the canceling instruction sent by the self-service equipment.

Step 502, in response to the cancellation instruction, inquiring the payment status.

And 503, under the condition that the payment state is the unread card, sending a cancellation response for indicating that the cancellation is successful to the self-service equipment, and terminating the payment process.

And step 504, under the condition that the payment state is the read card, sending a cancellation response for indicating cancellation failure to the self-service equipment, and continuing to execute the payment process.

Specifically, after receiving the cancel instruction, the payment terminal may query the payment state in response to the cancel instruction, send a cancel response indicating that the cancellation is successful to the self-service device and terminate the payment process when the payment state is the non-swiping card or the unread card, and send a cancel response indicating that the cancellation is failed to the self-service device and continue to execute the payment process when the payment state is the read card or the swiped card. Therefore, the actual payment requirements of the user can be met.

In a possible implementation manner of the embodiment of the invention, when the payment terminal terminates the payment process, the payment terminal can exit from the card reading page or the card swiping page and display the payment failure page, so that the user can conveniently and intuitively know the payment result.

In a possible implementation manner of the embodiment of the present invention, when executing the payment process, the payment terminal may send an order request to the payment server, the payment server creates the payment order according to the order request, and sends information of the payment order to the payment terminal, and accordingly, the payment terminal may execute the payment process according to the information of the payment order to obtain the payment result. The above process is described in detail with reference to example six.

Fig. 7 is a schematic flowchart of a payment processing method according to a sixth embodiment of the present invention.

As shown in fig. 7, the payment processing method may include the steps of:

step 601, receiving a consumption instruction sent by self-service equipment; wherein, the consumption instruction carries the information of the amount to be paid.

The execution process of step 601 may refer to the execution process of step 401 in the above embodiment, which is not described herein again.

Step 602, sending an order request to a payment server; the order request carries amount information and is used for creating a payment order according to the amount information.

In the embodiment of the invention, after receiving the consumption instruction, the payment terminal can generate an order request according to the amount information to be paid in the consumption instruction and send the order request to the payment server, wherein the order request carries the amount information to be paid. Correspondingly, after receiving the order request, the payment server can create a payment order according to the amount information to be paid in the order request.

Step 603, receiving information of the payment order sent by the payment server.

In the embodiment of the invention, after the payment server creates the payment order, the payment server can send the information of the payment order, such as the order number of the payment order, to the payment terminal. Accordingly, the payment terminal may receive the information of the payment order sent by the payment server.

And step 604, displaying a payment page for prompting the user to execute card reading operation according to the information of the payment order.

Step 605, in response to the card reading operation, obtaining a payment result.

In the embodiment of the invention, after receiving the information of the payment order, the payment terminal can display the payment page for prompting the user to execute the card reading operation or the card swiping operation according to the information of the payment order, so that the user can trigger the corresponding card reading operation or the card swiping operation according to the prompting information. Correspondingly, the payment terminal can respond to the card reading operation or the card swiping operation triggered by the user to obtain the payment result.

And 606, sending the payment result to the self-service equipment so as to display the payment result on the self-service equipment.

The execution process of step 606 may refer to the execution process of step 403 in the above embodiments, which is not described herein again.

As an example, in an order receiving scenario, a timing sequence diagram of interaction between a self-service device, a payment terminal, and a corresponding server may be as shown in fig. 8, where fig. 8 is a schematic diagram of the interaction timing sequence in the embodiment of the present invention. In an online order receiving scene, self-service equipment initiates a payment request, and a payment terminal calls a payment page: and (4) carrying out card swiping/NFC payment, and returning a payment result to the self-service equipment through the serial port after payment to complete a one-time receiving process.

Specifically, during self-service settlement, the self-service device may determine information of an object to be paid by scanning an identification code of the object to be paid, and send a payment request to a server of the self-service device, where the payment request carries the information of the object to be paid, and correspondingly, after receiving the payment request, the server of the self-service device may determine amount information to be paid according to the information of the object to be paid, and send a payment response to the self-service device, where the payment response carries the amount information to be paid.

The self-service equipment can send a consumption instruction to the payment terminal after receiving the payment response, wherein the consumption instruction carries information of the amount to be paid, timing is started, whether the consumption response sent by the payment terminal is received before the timing duration reaches a set duration (for example, 3 seconds) is judged, and if yes, the payment result sent by the payment terminal is monitored.

The payment terminal sends an order request to the payment server, wherein the order request carries the amount information to be paid, and correspondingly, after receiving the order request, the payment server can create a payment order according to the amount information to be paid and send the information of the payment order, such as an order number, to the payment terminal. Accordingly, after receiving the information of the payment order, the payment terminal may display a payment page for prompting the user to perform a card reading operation or a card swiping operation according to the information of the payment order, for example, the payment terminal may call an SDK (Software Development Kit) to start the payment page. The payment terminal can detect card reading operation or card swiping operation triggered by a user, and when the card reading operation or the card swiping operation is triggered by the user, the payment terminal can respond to the card reading operation or the card swiping operation to obtain a payment result and send the payment result to the self-service equipment. Correspondingly, after receiving the payment result, the self-service equipment can display the payment result and send the payment result to the server of the self-service equipment.

Further, the self-service device can also send a cancel instruction to the payment terminal, and correspondingly, after receiving the cancel instruction, the payment terminal can respond to the cancel instruction to inquire the payment state, and under the condition that the payment state is an unread card, send a cancel response for indicating that the cancellation is successful to the self-service device, and exit from a card reading page or a card swiping page, and display a payment failure page.

Corresponding to the payment processing method provided in the embodiments of fig. 1 to 4, the present invention further provides a payment processing apparatus, and since the payment processing apparatus provided in the embodiments of the present invention corresponds to the payment processing method provided in the embodiments of fig. 1 to 4, the implementation of the payment processing method is also applicable to the payment processing apparatus provided in the embodiments of the present invention, and will not be described in detail in the embodiments of the present invention.

Fig. 9 is a schematic structural diagram of a payment processing apparatus according to a seventh embodiment of the present invention.

As shown in fig. 9, the payment processing apparatus 900 is applied to a self-service device, and includes: an acquisition module 901, an instruction sending module 902 and a result receiving module 903.

The obtaining module 901 is configured to obtain amount information to be paid.

The instruction sending module 902 is configured to send a consumption instruction to the payment terminal through a communication connection with the payment terminal in response to the detected payment mode selection operation, where the consumption instruction carries amount information and is used for the payment terminal to execute a payment process according to the amount information to obtain a payment result.

And the result receiving module 903 is used for receiving and displaying the payment result sent by the payment terminal.

Further, in a possible implementation manner of the embodiment of the present invention, the payment processing apparatus 900 may further include:

and the display module is used for displaying a cancellation control for canceling the payment process.

And the response module is used for responding to the triggering operation of the cancellation control and sending a cancellation instruction to the payment terminal.

And the response receiving module is used for receiving a cancellation response sent by the payment terminal.

And the determining module is used for determining and displaying a cancellation result according to the cancellation response.

and the result sending module is used for sending the payment result to the server of the self-service equipment.

and the timing module is used for starting timing.

The processing module is used for skipping to an interface for executing payment mode selection operation after payment failure is displayed if the timing reaches the set duration and the consumption response sent by the payment terminal is not received; and if the consumption response sent by the payment terminal is received before the timing reaches the set duration, monitoring the payment result sent by the payment terminal.

Further, in a possible implementation manner of the embodiment of the present invention, the obtaining module 901 is specifically configured to: sending a payment request to a server of the self-service equipment in response to the triggering operation of the calculation control; the payment request carries information of the object to be paid; receiving a payment response sent by a server of the self-service equipment; the payment response carries amount information, and the amount information is determined according to the object to be paid.

The payment processing device in the embodiment of the invention obtains amount information to be paid through self-service equipment, responds to the detected payment mode selection operation, and sends a consumption instruction to the payment terminal through communication connection with the payment terminal, wherein the consumption instruction carries the amount information and is used for the payment terminal to execute a payment process according to the amount information so as to obtain a payment result; and receiving and displaying the payment result sent by the payment terminal. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information and payment results is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the device is improved.

Corresponding to the payment processing method provided in the embodiments of fig. 5 to 7, the present invention further provides a payment processing apparatus, and since the payment processing apparatus provided in the embodiments of the present invention corresponds to the payment processing method provided in the embodiments of fig. 5 to 7, the implementation of the payment processing method is also applicable to the payment processing apparatus provided in the embodiments of the present invention, and will not be described in detail in the embodiments of the present invention.

Fig. 10 is a schematic structural diagram of a payment processing apparatus according to an eighth embodiment of the present invention.

As shown in fig. 10, the payment processing apparatus 1000 is applied to a payment terminal, and includes: an instruction receiving module 1001, an execution module 1002, and a result transmitting module 1003.

The instruction receiving module 1001 is configured to receive a consumption instruction sent by the self-service device; wherein, the consumption instruction carries the information of the amount to be paid.

The executing module 1002 is configured to execute a payment process according to the amount information to obtain a payment result.

And a result sending module 1003, configured to send the payment result to the self-service device, so as to display the payment result at the self-service device.

Further, in a possible implementation manner of the embodiment of the present invention, the instruction receiving module 1001 is further configured to receive a cancel instruction sent by the self-service device.

The payment processing apparatus 1000 may further include:

and the query module is used for responding to the canceling instruction and querying the payment state.

The processing module is used for sending a cancellation response for indicating that cancellation is successful to the self-service equipment and terminating the payment process under the condition that the payment state is the unread card; and under the condition that the payment state is the read card, sending a cancellation response for indicating cancellation failure to the self-service equipment, and continuing to execute the payment process.

Further, in a possible implementation manner of the embodiment of the present invention, the processing module is specifically configured to: and exiting the card reading page and displaying a payment failure page.

Further, in a possible implementation manner of the embodiment of the present invention, the executing module 1002 is specifically configured to: sending an order request to a payment server; the order request carries amount information and is used for creating a payment order according to the amount information; receiving information of a payment order sent by a payment server; displaying a payment page for prompting a user to execute card reading operation according to the information of the payment order; and responding to the card reading operation to obtain a payment result.

The payment processing device in the embodiment of the invention receives a consumption instruction sent by self-service equipment through a payment terminal; the consumption instruction carries amount information to be paid, a payment process is executed according to the amount information to obtain a payment result, and the payment result is sent to the self-service equipment so as to be displayed on the self-service equipment. Therefore, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information and payment results is displayed through a screen of the self-service equipment, and entity card and NFC payment is carried out through the payment terminal, so that the defects of the self-service equipment and the payment terminal in the prior art can be overcome, and the applicability of the device is improved.

In order to implement the above embodiment, the present invention further provides a self-service device, including: a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing a payment processing method as set forth in any one of the foregoing embodiments of fig. 1-4 of the present invention.

In order to implement the above embodiment, the present invention further provides a payment terminal, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing a payment processing method as set forth in any one of the aforementioned embodiments of fig. 5 to 7 of the present invention.

In order to implement the above embodiment, the present invention further provides a payment system.

Fig. 11 is a schematic structural diagram of a payment system according to a ninth embodiment of the present invention.

As shown in fig. 11, the payment system 1100 may include: a self-service device 1110, a payment terminal 1120, a server for self-service devices 1130, and a payment server 1140.

The self-service device 1110 is configured to execute a payment processing method according to any one of the embodiments of fig. 1 to 4.

The server 1130 of the self-service device, in communication with the self-service device 1110, is configured to send information of the amount to be paid to the self-service device 1110 and to obtain the payment result of the payment terminal 1120 from the self-service device 1110.

The payment terminal 1120, which is in communication with the self-service device 1110, is configured to perform a payment processing method according to any one of the embodiments of the present invention as set forth in fig. 5 to 7.

A payment server 1140, in communication with the payment terminal 1120, for performing a payment procedure.

It should be noted that the explanation of the payment processing method in the foregoing embodiments of fig. 1 to fig. 7 is also applicable to the payment system in this embodiment, and the implementation principle is similar, and is not described herein again.

According to the payment system provided by the embodiment of the invention, the self-service equipment and the payment terminal are combined and integrally applied to a receipt scene or a self-service settlement scene, diversified information such as information of an object to be paid, settlement information, a payment result and the like is displayed through a screen of the self-service equipment, and the payment terminal is used for entity card and NFC payment, so that the defects of the self-service equipment and the payment terminal in the prior art can be simultaneously overcome, and the applicability of the system is improved.

In order to implement the above embodiments, the present invention also proposes a non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment processing method as proposed in any of the preceding embodiments of the present invention.

To achieve the above embodiments, the present invention further proposes a computer program product, wherein instructions of the computer program product, when executed by a processor, perform the payment processing method as proposed by any of the foregoing embodiments of the present invention.

FIG. 12 illustrates a block diagram of an exemplary computer device suitable for use in implementing embodiments of the present invention. The computer device may be a self-service device or a payment terminal in the above embodiments. The computer device 12 shown in fig. 12 is only an example and should not bring any limitations to the function and scope of use of the embodiments of the present invention.

As shown in FIG. 12, computer device 12 is in the form of a general purpose computing device. The components of computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.

Bus 18 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. These architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus, to name a few.

Computer device 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by computer device 12 and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 28 may include computer system readable media in the form of volatile Memory, such as Random Access Memory (RAM) 30 and/or cache Memory 32. Computer device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 12, and commonly referred to as a "hard drive"). Although not shown in FIG. 12, a disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a Compact disk Read Only Memory (CD-ROM), a Digital versatile disk Read Only Memory (DVD-ROM), or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. Memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.

A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.

Computer device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), with one or more devices that enable a user to interact with computer device 12, and/or with any devices (e.g., network card, modem, etc.) that enable computer device 12 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Moreover, computer device 12 may also communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public Network such as the Internet) via Network adapter 20. As shown, network adapter 20 communicates with the other modules of computer device 12 via bus 18. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with computer device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.

The processing unit 16 executes various functional applications and data processing, for example, implementing the methods mentioned in the foregoing embodiments, by executing programs stored in the system memory 28.

In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.

The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.

It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.

Claims

1. A payment processing method is applied to self-service equipment and comprises the following steps:

acquiring amount information to be paid;

and receiving and displaying the payment result sent by the payment terminal.

2. The payment processing method of claim 1, wherein after sending the consumption instruction to the payment terminal through the communication connection with the payment terminal in response to the detected payment mode selection operation, the method further comprises:

displaying a cancellation control for canceling the payment process;

responding to the triggering operation of the cancelling control, and sending a cancelling instruction to the payment terminal;

receiving a cancellation response sent by the payment terminal;

and determining and displaying a cancellation result according to the cancellation response.

3. The payment processing method of claim 1, wherein the method further comprises:

and sending the payment result to a server of the self-service equipment.

4. The payment processing method of claim 1, wherein after sending the consumption instruction to the payment terminal, further comprising:

starting timing;

if the timing reaches the set duration and the consumption response sent by the payment terminal is not received, skipping to an interface for executing the payment mode selection operation after the payment failure is displayed;

and monitoring a payment result sent by the payment terminal if the consumption response sent by the payment terminal is received before the timing reaches the set duration.

5. The payment processing method of any one of claims 1 to 4, wherein the obtaining information of the amount to be paid comprises:

sending a payment request to a server of the self-service device in response to a triggering operation on a calculation control; the payment request carries information of an object to be paid;

receiving a payment response sent by a server of the self-service equipment; the payment response carries the amount information, and the amount information is determined according to the object to be paid.

6. A payment processing method is applied to a payment terminal and comprises the following steps:

7. The payment processing method of claim 6, after receiving the consumption instruction sent by the self-service device, further comprising:

receiving a cancel instruction sent by the self-service equipment;

responding to the canceling instruction, and inquiring payment state;

under the condition that the payment state is the unread card, sending a cancellation response for indicating that cancellation is successful to the self-service equipment, and terminating the payment process;

and under the condition that the payment state is the read card, sending a cancellation response for indicating cancellation failure to the self-service equipment, and continuously executing the payment process.

8. The payment processing method of claim 7, wherein the terminating the payment process comprises:

and exiting the card reading page and displaying a payment failure page.

9. The payment processing method according to any one of claims 6 to 8, wherein the performing a payment process according to the amount information to obtain a payment result comprises:

sending an order request to a payment server; the order request carries the amount information and is used for creating a payment order according to the amount information;

receiving the information of the payment order sent by the payment server;

displaying a payment page for prompting a user to execute card reading operation according to the information of the payment order;

and responding to the card reading operation to obtain the payment result.

10. A payment processing apparatus, applied to a self-service device, comprising:

the acquisition module is used for acquiring amount information to be paid;

11. A payment processing device is applied to a payment terminal and comprises:

12. A self-service device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing a payment processing method as claimed in any one of claims 1 to 5.

13. A payment terminal comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing a payment processing method as claimed in any one of claims 6 to 9.

14. A payment system, comprising: the payment system comprises self-service equipment, a payment terminal, a server of the self-service equipment and a payment server;

wherein the self-service device is configured to perform the payment processing method of any one of claims 1-5;

the payment terminal, in communication with the self-service device, for performing the payment processing method of any one of claims 6-9;

15. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the program, when executed by a processor, implements a payment processing method as claimed in any one of claims 1 to 5, or implements a payment processing method as claimed in any one of claims 6 to 9.

16. A computer program product, characterized in that instructions in the computer program product, when executed by a processor, perform a payment processing method according to any one of claims 1-5, or a payment processing method according to any one of claims 6-9.