CN113344571A

CN113344571A - Payment method, device and equipment

Info

Publication number: CN113344571A
Application number: CN202110696176.5A
Authority: CN
Inventors: 李廷温; 李锡铭; 巩鑫; 郑成俊
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-06-23
Filing date: 2021-06-23
Publication date: 2021-09-03

Abstract

The embodiment of the specification discloses a payment method, a payment device and payment equipment. The method comprises the following steps: the cloud server acquires two-dimensional code image information; determining user identity information contained in the two-dimensional code image information; acquiring charging order information generated by the charging equipment when receiving a service completion instruction; determining payment account information corresponding to the user identity information; and executing a payment process aiming at the charging order information based on the payment account information.

Description

Payment method, device and equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a payment method, device, and apparatus.

Background

With the development of social economy, taxis become an important component of urban public transportation besides urban buses and subways as one of important signs for improving the living standard of urban residents.

However, in the trend of rapid development of the internet, the competitiveness of taxi companies in the travel service field is reduced, and profits are reduced. There are many reasons why a taxi is in a disadvantage in competition with a net appointment, for example: the taxi is not priced in the same way as the network taxi appointment. The taxi price is generally forcibly controlled by a monitoring department, the monitoring department controls taxi pricing car hardware, logic change of the hardware needs to be allowed by the monitoring department, change cost is high, frequency is low, and therefore pricing benchmark adjustment of taxies is almost year-by-year. In addition, the payment mode of the taxi fee is cash payment, and has some defects in the aspects of safety and convenience, the passenger pays the money by cash or completes payment of the taxi by mobile payment, and in the transaction process of the taxi, the passenger manually inputs the pricing amount, so that the efficiency is low, and the error rate is high.

Therefore, there is a need to provide a more reliable payment scheme.

Disclosure of Invention

The embodiment of the specification provides a payment method, a payment device and payment equipment, and aims to solve the problems of low payment efficiency and low payment accuracy rate of an existing taxi payment method.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

the payment method provided by the embodiment of the specification comprises the following steps:

the cloud server acquires two-dimensional code image information; the two-dimensional code image information is the two-dimensional code image information displayed by the first equipment;

determining user identity information contained in the two-dimensional code image information;

acquiring charging order information; the charging order information is generated when the charging equipment receives a service completion instruction;

determining payment account information corresponding to the user identity information;

and executing a payment process aiming at the charging order information based on the payment account information.

An embodiment of this specification provides a payment device, includes:

the two-dimensional code image information acquisition module is used for acquiring two-dimensional code image information by the cloud server; the two-dimensional code image information is the two-dimensional code image information displayed by the first equipment;

the user identity information determining module is used for determining user identity information contained in the two-dimensional code image information;

the charging order information acquisition module is used for acquiring the charging order information; the charging order information is generated when the charging equipment receives a service completion instruction;

the payment account information determining module is used for determining the payment account information corresponding to the user identity information;

and the payment flow executing module is used for executing a payment flow aiming at the charging order information based on the payment account information.

An embodiment of this specification provides a payment device, includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

Embodiments of the present specification provide a computer-readable medium having computer-readable instructions stored thereon, the computer-readable instructions being executable by a processor to implement a payment method.

At least one embodiment of the present description can achieve the following advantageous effects: acquiring two-dimensional code image information through a cloud server; determining user identity information contained in the two-dimensional code image information; acquiring charging order information generated by the charging equipment when receiving a service completion instruction; determining payment account information corresponding to the user identity information; and executing a payment process aiming at the charging order information based on the payment account information. By the method, the charging order information in the charging equipment can be transmitted to the cloud server through the network, the cloud server automatically executes the payment process based on the charging order information generated by the charging equipment and the identity information of the user, the payment two-dimensional code does not need to be scanned by itself, and the amount of money is manually input for payment, so that the payment efficiency and the payment success rate are effectively improved while the user experience is improved.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is an application scenario interaction diagram of a payment method provided in an embodiment of the present specification;

fig. 2 is a schematic flow chart of a payment method provided in an embodiment of the present specification;

FIG. 3 is an overall flow chart of taxi intelligent payment provided by the embodiments of the specification;

fig. 4 is a schematic flowchart of an information transmission method based on an IOT device according to an embodiment of the present disclosure;

FIG. 5 is a flow chart of a credit-based payment method provided by an embodiment of the present description;

fig. 6 is a schematic structural diagram of a payment device provided in an embodiment of the present disclosure;

fig. 7 is a schematic structural diagram of a payment device provided in an embodiment of the present specification.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the protection scope of one or more embodiments of the present disclosure.

The taxi is a transportation service mode with the characteristics of convenience, comfort, flexibility, all weather, door to door and the like, can be compared with private cars to a certain extent, is a travel mode which is mainly used for meeting travel demands with strong individuation and payment capacity at present, and can provide convenience for users to travel all the time, but the taxi brings convenience and comfort to the users, and meanwhile many problems are not effectively solved, and development of the taxi industry is restricted. In the past, taxis can provide convenience for traveling of users, but the taxis bring convenience and comfort to the users, and meanwhile many problems are not effectively solved, especially in a payment mode of fare. At present, after a user takes a taxi, the payment modes commonly used by the user include cash payment, network payment and the like.

The payment method of cash payment has great limitation to users and drivers. On the aspect of users, the users must confirm that the users have enough cash before getting on the bus, and the bus fee can be paid; on the driver side, change must be made to the customer when the customer pays the fare. For example, the problems of carrying cash, making change and counterfeit money and the potential personal safety hazard of taxi drivers exist, and the development direction of the electronic commerce in the network society is not met. For a taximeter supporting a contact or non-contact IC card payment function, although passengers can use an IC card electronic wallet to carry out off-line electronic payment, the taxi meter is limited by the number of cardholders, most passengers do not own and use IC cards and are willing to charge the IC cards to a charging network point, and the taxi meter can only be used as a small amount of supplement of cash payment, and the application effect is not ideal. Moreover, the IC card offline payment of the taxi fee also needs to regularly collect the payment information of the IC card, so that the problems of clearing lag and data loss or incompleteness exist, certain workload exists, and the use is inconvenient

The payment mode of adopting network payment, the user adopts intelligent terminal to pay generally, and the driver needs to provide two-dimensional code payment function, for example, when utilizing wireless networks such as bluetooth, NFC to pay, what it adopted is traditional radio frequency signal, and this radio signal has 360 degrees all-round characteristics of radiating, and information is revealed more easily, and the security remains to be improved. The passenger pays by cash or finishes paying for the car money by mobile payment, and in the transaction process of the taxi, the passenger has the pain points of low efficiency, high error rate and the like because the passenger manually inputs the valuation amount, and meanwhile, the driver has the problems of long waiting time, reduced operation efficiency, small-amount money loss and the like in the process of waiting for the passenger to pay.

The terms used in the examples of the present specification are to be interpreted as follows:

touring a taxi: the taxi service system can patrol and pick up passengers on the road, wait for passengers at the station, spray and install patrol taxi identifiers including seven or less passenger cars and driving labor, provide travel service for the passengers and drive the vehicles according to the wishes of the passengers and charging according to the travel mileage and time.

IOT: the English name is Internet of things, namely the Internet connected with things. The internet of things is a network which connects any article with the internet according to an agreed protocol through information sensing equipment such as Radio Frequency Identification (RFID), an infrared sensor, a global positioning system, a laser scanner and the like to exchange and communicate information so as to realize intelligent identification, positioning, tracking, management and control and management.

A meter: referring to the national measurement and verification standard JJG738-2005 of the people's republic of China, a taximeter is a measuring instrument used for measuring the duration of a taxi and measuring a mileage according to a signal transmitted by a mileage sensor, and calculating and displaying the charge due to a passenger taxi according to the measured time and mileage.

Identity two-dimensional code: in the technology of the two-dimensional code, the identity of a passenger in the taxi industry is combined, the identity of the passenger is protected by adopting an encryption technology, the identity can be verified in a vehicle-mounted environment, and online and offline verification is supported.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Fig. 1 is an application scenario interaction diagram of a payment method provided in an embodiment of the present specification.

As shown in fig. 1, the interactive subject related to touring taxis includes: terminal device 101, IOT device 103, cloud server 105, and meter 107. The IOT device 103 can be a device installed in a vehicle, the external IOT device 103 is added through RS232 serial port communication on the basis of a traditional meter, in the driving operation process of a driver, the IOT device 103 monitors the state of meter shooting and meter lifting of the driver, after the state of meter lifting is monitored, the amount of money displayed on the meter 107 is automatically read, namely, the charging order information in the meter 107 is obtained, and the charging order information is transmitted to the cloud server 105 through a 2G network and a 4G network. The terminal device 101 may present two-dimensional code image information, and the two-dimensional code in the two-dimensional code image may be the identity two-dimensional code of the passenger. The IOT device 103 has a code scanning function and can scan two-dimensional code image information displayed on the terminal device 101, the IOT device 103 sends the acquired billing order information and the scanned two-dimensional code image information to the cloud server 105, the cloud server 105 executes a payment process for the billing order information based on the billing order information and the two-dimensional code image information sent by the IOT device 103, generates payment feedback information (payment success/payment failure), and sends the payment feedback information to the IOT device 103; the IOT device 103 then voice broadcasts and/or sends the payment feedback information to the terminal device 101. In addition, the payment feedback information sent to the terminal device 101 may also be directly sent to the terminal device 101 of the user by the cloud server 105, when the payment is successful, the cloud server 105 sends the bill for deduction to the terminal device 101, and when the payment is failed, the cloud server 105 sends the payment failure information to the terminal device 101.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

fig. 2 is a schematic flowchart of a payment method provided in an embodiment of the present disclosure. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. In this embodiment, the execution subject of the process may be a cloud server, and the cloud server may be a server corresponding to the payment platform. The interactive agent involved may include a terminal device of the user, a meter, a device other than the user terminal device having a scanning function and a charging order information reading function. The cloud server can acquire the two-dimensional code image displayed on the terminal equipment of the user, determine the identity information of the user according to the two-dimensional code image, acquire the charging order information and pay the charging order information based on the payment account information corresponding to the user identity information of the user.

As shown in fig. 2, the process may include the following steps:

step 210: the cloud server acquires two-dimensional code image information; the two-dimensional code image information is the two-dimensional code image information displayed by the first device.

The first device may be a terminal device on the user side, for example: smart phones, tablet computers, and the like. In a screen in the first device, two-dimensional code image information may be displayed, which may include identity information of a user. When the two-dimensional code image is generated, the two-dimensional code image may be generated based on the identity information of the user, and specifically, the identity information of the user may be encrypted to generate the two-dimensional code image.

The cloud server obtains the two-dimensional code image information, which may be actually obtained by the cloud server from the IOT device, and the two-dimensional code image information is obtained by the IOT device scanning the two-dimensional code image displayed on the terminal device.

Taking a taxi taking scene as an example, after a passenger gets on the taxi, the passenger can display a two-dimensional code image through the terminal device so as to scan the IOT device installed on the taxi. The Internet of things (Internet technologies, referred to as IOT) can be understood as an Internet with objects connected to each other. The internet of things is a network for connecting any article with the internet according to an agreed protocol through information sensing equipment such as Radio Frequency Identification (RFID), an infrared sensor, a global positioning system and a laser scanner to carry out information exchange and communication so as to realize intelligent identification, positioning, tracking, management and control and management, and is the internet with connected articles.

The IOT equipment in the embodiment adopts an embedded ARM operating system, has a 4G communication module and a voice playing function, adopts vehicle-mounted power supply, and is connected with a taximeter on a vehicle based on an RS232 interface.

Step 220: and determining user identity information contained in the two-dimensional code image information.

The user identity information may include at least identification information, biometric information, and payment account information of the user. The identity information may be information for uniquely identifying the user identity, for example: mobile phone number information, login account information or identity card number information, etc.

The cloud server can analyze the two-dimensional code image information to obtain user identity information in the two-dimensional code image information.

Step 230: acquiring charging order information; the charging order information is generated when the charging equipment receives the service completion instruction.

The charging device may be a device for generating charging order information, such as: the taximeter is used for measuring the duration time of the taxi and measuring mileage according to signals transmitted by the mileage sensor, calculates and displays the charge due to the taxi of a passenger according to the measured timing time and the measured mileage, and generally charges according to the meter arrangement state and the meter lifting state of a driver.

The charging order information is obtained, and may be actually obtained by the cloud server, the charging order information is sent by the IOT device, the charging order information is generated when the timer receives a service completion instruction, and in an application scenario of a taxi, the service completion instruction may be a table lifting operation instruction. Of course, in other application scenarios, the technical solution in the embodiments of the present specification may be used in all scenarios that need to be priced. For example: some self-service amusement facilities, when needing to carry out the time of charging according to user's mileage or live time, also can accomplish the payment based on the technical scheme of this application.

Step 240: and determining payment account information corresponding to the user identity information.

And determining account information bound with the user identity information. In practical application, when a user registers in a user terminal, identity information, face information and account information of the user can be bound. The account information may include payment account information or bank card information.

Step 250: and executing a payment process aiming at the charging order information based on the payment account information.

In the actual operation process, the payment operation is generally completed in a server at the bank side, and for a cloud server of the payment platform, the payment account information and the charging order information for payment can be sent to the server of the bank, the bank server completes settlement, and a settlement result is returned.

It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.

In the method in fig. 2, two-dimensional code image information is acquired through a cloud server; determining user identity information contained in the two-dimensional code image information; acquiring charging order information generated by the charging equipment when receiving a service completion instruction; determining payment account information corresponding to the user identity information; and executing a payment process aiming at the charging order information based on the payment account information. By the method, the charging order information in the charging equipment can be transmitted to the cloud server through the network, the cloud server automatically executes the payment process based on the charging order information generated by the charging equipment and the identity information of the user, the payment two-dimensional code does not need to be scanned by itself, and the amount of money is manually input for payment, so that the payment efficiency and the payment success rate are effectively improved while the user experience is improved.

Based on the method of fig. 2, the present specification also provides some specific embodiments of the method, which are described below.

Optionally, before determining the user identity information included in the two-dimensional code image information, the method may further include:

verifying the two-dimensional code image information to obtain a verification result;

when the verification result shows that the two-dimensional code image information is not verified, generating first prompt information; the first prompt message is used for prompting that the two-dimensional code image information belongs to invalid information;

and sending the first prompt message to second equipment.

After the verification of the two-dimensional code image information is performed to obtain a verification result, the method may further include:

when the verification result shows that the two-dimensional code image information passes verification, second prompt information is generated; the second prompt message is used for prompting that the two-dimensional image information passes verification;

and sending the second prompt message to the second equipment.

After the IOT device scans the two-dimensional code image displayed on the terminal device, the IOT device needs to check the information of the two-dimensional code image, that is, check the code. In practical application, the code verification can be carried out in the following way:

in the first mode, code verification operation is performed by the IOT equipment:

after the IOT device scans to obtain the two-dimensional code image information, the IOT device verifies the two-dimensional code image information, where the verification may indicate whether the two-dimensional code image information obtained by the verification scanning is valid two-dimensional code image information, and specifically, the verifying the two-dimensional code image information to obtain a verification result may specifically include:

decrypting the two-dimensional code image information according to a preset decryption rule;

and if the decryption is unsuccessful, determining that the two-dimensional code image information is invalid. That is, the valid two-dimensional code image information may refer to a two-dimensional code image obtained by encrypting according to a preset encryption rule.

In addition, the effective two-dimensional code image information can also refer to a two-dimensional code image which meets a preset encryption rule and is used for intelligent payment of a taxi in a normal use state. Specifically, after decrypting the two-dimensional code image information according to a preset decryption rule, the method may further include:

if the decryption is successful, determining the use state of the two-dimensional code image information;

when the two-dimension code image information is in a normal use state, determining that the two-dimension code image information is valid;

and when the use state of the two-dimensional code image information is abnormal, determining that the two-dimensional code image information is invalid.

The second method comprises the following steps: the IOT equipment sends the two-dimensional code image information obtained by scanning to a cloud server, and the cloud server performs code checking operation:

the IOT equipment can send the two-dimensional code image information to the cloud server, the cloud server verifies the two-dimensional code image information, and the verification mode can be the same as the first mode.

When the verification is passed, corresponding prompt information can be generated, and the presentation form of the prompt information can be a text form, a voice form or light flashing and the like. In a taxi application scene, a driver needs to observe road conditions, and characters are not suitable to be checked in the driving process, so that prompt information can be transmitted to the driver in a mode of broadcasting voice by an IOT device. For example: when the two-dimensional code image information is verified and fails, it can be determined that the two-dimensional code image information belongs to invalid information. The invalidation information may indicate: the two-dimensional code is not a two-dimensional code for taxi intelligent payment or the two-dimensional code is in an abnormal use state, for example: an inactive state. At this time, first prompt information may be generated, which may be a beep, a drip, or other voice message. When the two-dimensional code image information is verified, and the verification is passed, the two-dimensional code image information can be determined to belong to valid information. The effective information can indicate that the two-dimensional code meets the preset encryption rule and is in a normal use state.

Optionally, the determining the user identity information included in the two-dimensional code image information specifically may include:

when the verification result shows that the two-dimensional code image information passes verification, analyzing the two-dimensional code image information to determine user identity information in the two-dimensional code image information.

After the code verification is passed, the user identity information system in the two-dimensional code image information can be determined, and subsequent payment is carried out based on the payment account information in the user identity information.

By the method, when the two-dimensional code image information is obtained through scanning, the two-dimensional code image information can be verified to ensure that the subsequent payment process is smoothly carried out, so that the payment efficiency and the payment success rate are improved.

In one embodiment, the payment account information is credit account information; before determining the payment account information corresponding to the user identity information, the method may further include:

judging whether a user corresponding to the user information opens credit payment or not based on the user identity information;

and when the user opens the credit payment, taking the credit account of the user as a payment account.

In the embodiment of the specification, the IOT equipment and credit payment are combined, and the problem of existing taxi payment is solved. In this scheme, the payment account of the user may be a credit account, and the user also needs to satisfy the opening condition when opening the credit payment, specifically, whether the user satisfies the condition for opening the credit payment may be determined according to the credit score of the user, for example: only when the credit score is greater than or equal to 600 minutes, the credit payment can be opened. Therefore, when the payment account of the user is determined, whether the user opens the credit payment or not can be judged firstly, and if the user opens the credit payment, the credit account of the user can be used as the payment account for vehicle fare payment. For example: the driver manually lifts the meter to display the amount of money after arriving at the destination according to the destination requirement of the passenger, and the passenger gets off after the driver and the passenger confirm the amount of money through voice. And (4) introducing credit withholding capability, and automatically completing withholding according to the background charging information of the IOT equipment by the system when the verified user supports the credit withholding after getting off.

Further, before executing the payment process for the charging order information based on the payment account information, the method may further include:

acquiring risk information corresponding to the payment account information;

judging whether the payment account information has risks or not based on the risk information;

the executing a payment process for the charging order information based on the payment account information may specifically include:

and when the payment account information has no risk, executing a payment process aiming at the charging order information based on the payment account information.

After the payment account of the user is determined, in order to further ensure the payment security of the user, risk assessment may be performed on the payment account of the user, and if there is no risk in the payment account, a payment process for the charging order information may be performed by using the payment account. And otherwise, if the payment account has risks, stopping executing the payment process of the charging order information by adopting the account.

When the risk of the payment account is determined, the risk information of the user can be obtained, a risk value is calculated, and when the risk value is larger than a preset threshold value, the payment account can be determined to have the risk. When calculating the risk value, calculation can be performed based on historical risk information, different risk types can be given different risk weight values, and therefore the risk value of the payment account of the user is calculated based on the risk information of the user.

By the method, the payment account is adopted to execute the payment process on the charging order information only when the payment account has no risk, so that the payment safety of the user is improved.

Optionally, after obtaining the charging order information, the method may further include:

and establishing an incidence relation between the user identity information and the charging order information.

After receiving the two-dimensional code image information and the charging order information, the cloud server can determine the user identity information in the effective two-dimensional code image information, then associate the user identity information with the charging order information, determine the payment account information of the order information paid by the user based on the association relationship, and execute a payment process for the order information based on the payment account information.

Optionally, after executing the payment process for the charging order information based on the payment account information, the method may further include:

generating payment feedback information; the payment feedback information comprises payment success information or payment failure information

And sending the payment feedback information to the first device and the second device.

When the payment process for the billing order information is executed based on the payment account of the user, if the payment is successful, the payment success information can be generated and transmitted to the driver and the passenger in many forms such as voice, text or pictures. If the payment fails, the payment failure information can be generated and can be transmitted to the driver and the passenger in various forms such as voice, characters or pictures.

In addition, according to the payment condition of the user, the payment use record of the user for the credit account can be acquired;

credit values for the user are accumulated based on the payment usage record.

The record of the usage of the credit account of the user may indicate the record of the usage of the user in the process of making payment based on the credit account by the user. If there is a good closed loop usage record, a credit value is accordingly accumulated for the credit user. For example: after the passenger is called as a taxi, the passenger finishes paying the taxi fee within a preset time period based on the credit account, and a credit service closed loop is achieved to form a good record. At this point, credit values may be accumulated for the user in a certain proportion.

With the IOT device as the execution subject, the method in the above embodiment may correspond to the following steps:

acquiring two-dimensional code image information displayed by first equipment;

sending the two-dimensional code image information to a cloud server;

acquiring charging order information sent by third equipment; the charging order information is generated when the third equipment receives a service completion instruction;

sending the charging order information to the cloud server; the cloud server can analyze the two-dimensional code image information to obtain user identity information; determining credit payment account information corresponding to the user identity information; and executing a payment process aiming at the charging order information based on the payment account information.

The method in the above embodiment can be described with reference to the following drawings:

fig. 3 is an overall flowchart of the intelligent taxi payment provided in the embodiment of the specification.

As shown in fig. 3, the interactive objects involved include the driver, the passenger, the IOT device, and the cloud server of the payment application. The IOT equipment can be a taxi intelligent terminal, for a driver, the driver needs to carry out driver authentication and sign a merchant payment agreement, under a general condition, the taxi driver and a taxi company are in a leasing relation, and the driver can be used as a merchant to carry out merchant qualification determination. So that the driver is entitled to collect payment in the payment APP. For the passenger, the passenger needs to open taxi intelligent payment. For the IOT device, the IOT device can acquire information on a taximeter, the taximeter starts to charge when the meter is pressed, the charge is finished when the meter is lifted, travel GPS control data can be acquired, the IOT device can scan and check a passenger identity two-dimensional code, the identity two-dimensional code of a user is used for determining a payment account of the user, and based on a withholding protocol, the fare payment is directly completed subsequently according to the payment account of the user. For the cloud server of the payment application program, the payment process can be executed based on the payment account of the user, when the payment process is executed, the payment process can be executed according to the credit account of the user, and the user can open a password-free withholding.

After adding an IOT device in a taxi, the role of the IOT device can be described with reference to fig. 4:

fig. 4 is a schematic flowchart of an information transmission method based on an IOT device according to an embodiment of the present disclosure.

As shown in fig. 4, an external IOT device is added by RS232 serial port communication based on a conventional taximeter, and during a driving operation of a driver, the taximeter can obtain a sign-in operation, a sign-off operation, a meter pressing operation and a meter lifting operation of the driver, start charging based on the meter pressing operation of the driver, and end charging based on the meter lifting state of the driver. The IOT equipment acquires information in the taximeter through the RS232 serial port and transmits the acquired information to the cloud server by utilizing networks such as 2G and 4G.

Taking credit payment as an example, in the above embodiment, the operation flow of combining the IOT device and credit payment may be described with reference to fig. 5.

Fig. 5 is a flowchart of a method for payment based on credit provided in an embodiment of the present specification.

As shown in fig. 5, the taximeter is connected to the external IOT device through RS232 serial communication. The IOT equipment can be networked, a taxi timer generates a charging order after a driver lifts a meter, the IOT equipment acquires the charging order and synchronizes the charging order to a server side, the server side can be a cloud server, the cloud server associates a current order and a passenger identity, credit payment deduction is initiated, if the deduction is successful, deduction success information is generated, a deduction bill is pushed to terminal equipment of the passenger, and the deduction success information is broadcasted through the IOT equipment in a voice mode to prompt the driver. And (4) introducing credit withholding capacity, withholding the credit after the user passing the verification supports getting off, and if the withholding fails, manually adjusting the flow. Safety wind control and credit evaluation technologies are added in the process of opening the identity two-dimensional code by the passenger, and the payment safety is improved.

Through the method in the embodiment of the specification, a taxi credit payment method suitable for the industry development trend is provided by using the technology of increasing the IOT capability and the passenger identity two-dimensional code by using the traditional taximeter, and the riding experience and the payment efficiency are improved. A novel IOT technical scheme and a passenger identity two-dimensional code technology are introduced, credit payment is provided in a touring taxi scene, and the industry payment experience and the industry efficiency are improved.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 6 is a schematic structural diagram of a payment device provided in an embodiment of the present disclosure. As shown in fig. 6, the apparatus may include:

the two-dimensional code image information acquiring module 610 is used for acquiring two-dimensional code image information by a cloud server; the two-dimensional code image information is the two-dimensional code image information displayed by the first equipment;

a user identity information determining module 620, configured to determine user identity information included in the two-dimensional code image information;

a charging order information obtaining module 630, configured to obtain charging order information; the charging order information is generated when the charging equipment receives a service completion instruction;

a payment account information determining module 640, configured to determine payment account information corresponding to the user identity information;

a payment flow executing module 650, configured to execute a payment flow for the billing order information based on the payment account information.

The examples of this specification also provide some specific embodiments of the apparatus based on the apparatus of fig. 6, which is described below.

Optionally, the apparatus may further include:

the code checking module is used for verifying the two-dimensional code image information to obtain a verification result;

the first prompt information generation module is used for generating first prompt information when the verification result shows that the two-dimensional code image information is not verified; the first prompt message is used for prompting that the two-dimensional code image information belongs to invalid information;

and the first prompt information sending module is used for sending the first prompt information to the second equipment.

Optionally, the apparatus may further include:

the second prompt information generation module is used for generating second prompt information when the verification result shows that the two-dimensional code image information passes the verification; the second prompt message is used for prompting that the two-dimensional image information passes verification;

and the second prompt message sending module is used for sending the second prompt message to the second equipment.

Optionally, the user identity information determining module 620 may specifically include:

and the two-dimensional code image information analyzing module is used for analyzing the two-dimensional code image information to determine the user identity information in the two-dimensional code image information when the verification result shows that the two-dimensional code image information passes verification.

Optionally, the code checking module may specifically include:

the decryption unit is used for decrypting the two-dimensional code image information according to a preset decryption rule;

and the invalid code first determining unit is used for determining that the two-dimensional code image information is invalid if the decryption is unsuccessful.

Optionally, the code checking module may further include:

the using state determining unit is used for determining the using state of the two-dimensional code image information if the decryption is successful;

the effective code determining unit is used for determining that the two-dimensional code image information is effective when the use state of the two-dimensional code image information is normal;

and the invalid code second determination unit is used for determining that the two-dimensional code image information is invalid when the use state of the two-dimensional code image information is abnormal.

Optionally, the charging device may be a meter; the billing order information may be generated when the timer receives a stop billing instruction.

Optionally, the payment account information is credit account information; the apparatus may further include:

the credit payment opening judgment module is used for judging whether a user corresponding to the user information opens credit payment or not based on the user identity information;

and the credit account determining module is used for taking the credit account of the user as a payment account when the user opens the credit payment.

Optionally, the apparatus may further include:

the account risk information acquisition module is used for acquiring risk information corresponding to the payment account information;

the risk judgment module is used for judging whether the payment account information has risks or not based on the risk information;

the payment process execution module specifically comprises:

and the payment flow executing unit is used for executing a payment flow aiming at the charging order information based on the payment account information when the payment account information has no risk.

Optionally, the apparatus may further include:

and the incidence relation establishing module is used for establishing the incidence relation between the user identity information and the charging order information.

Optionally, the apparatus may further include:

the payment feedback information generation module is used for generating payment feedback information; the payment feedback information comprises payment success information or payment failure information;

and the payment feedback information module is used for sending the payment feedback information to the first equipment and the second equipment.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 7 is a schematic structural diagram of a payment device provided in an embodiment of the present specification. As shown in fig. 7, the apparatus 700 may include:

at least one processor 710; and the number of the first and second groups,

a memory 730 communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory 730 stores instructions 720 executable by the at least one processor 710 to enable the at least one processor 710 to:

Based on the same idea, the embodiment of the present specification further provides a computer-readable medium corresponding to the above method. The computer readable medium has computer readable instructions stored thereon that are executable by a processor to implement the method of:

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

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abll (advanced desktop Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), and vhjlang (Hardware Description Language), which are currently used in most general. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, AtmelAT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

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

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

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

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

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

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

Computer-readable media, including both 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 computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information which can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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

As will be appreciated by one skilled in the art, 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.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A payment method, comprising:

2. The method of claim 1, before determining the user identity information included in the two-dimensional code image information, further comprising:

and sending the first prompt message to second equipment.

3. The method of claim 2, wherein after the verifying the two-dimensional code image information and obtaining the verification result, the method further comprises:

and sending the second prompt message to the second equipment.

4. The method according to claim 3, wherein the determining user identity information included in the two-dimensional code image information specifically includes:

5. The method according to claim 2, wherein the verifying the two-dimensional code image information to obtain a verification result specifically includes:

and if the decryption is unsuccessful, determining that the two-dimensional code image information is invalid.

6. The method according to claim 5, further comprising, after decrypting the two-dimensional code image information according to a preset decryption rule:

7. The method of claim 1, the charging device is a meter; the billing order information is generated when the timer receives a stop billing instruction.

8. The method of claim 1, the payment account information being credit account information; before determining the payment account information corresponding to the user identity information, the method further includes:

9. The method of claim 1, further comprising, prior to performing the payment process for the billing order information based on the payment account information:

acquiring risk information corresponding to the payment account information;

the executing a payment process for the charging order information based on the payment account information specifically includes:

10. The method of claim 1, after obtaining the billing order information, further comprising:

11. The method of claim 1, further comprising, after performing the payment procedure for the billing order information based on the payment account information:

generating payment feedback information; the payment feedback information comprises payment success information or payment failure information;

12. A payment device, comprising:

13. The apparatus of claim 12, the apparatus further comprising:

14. The apparatus of claim 13, the apparatus further comprising:

15. The apparatus of claim 14, wherein the user identity information determining module specifically comprises:

16. The apparatus according to claim 13, wherein the code verification module specifically includes:

17. The apparatus of claim 16, the code-checking module, further comprising:

18. The apparatus of claim 12, the payment account information being credit account information; the device, still include:

19. The apparatus of claim 12, the apparatus further comprising:

the payment process execution module specifically comprises:

20. A payment device, comprising:

at least one processor; and the number of the first and second groups,

21. A computer readable medium having computer readable instructions stored thereon which are executable by a processor to implement the payment method of any one of claims 1 to 11.