CN113422811B

CN113422811B - Equipment payment method and device

Info

Publication number: CN113422811B
Application number: CN202110634282.0A
Authority: CN
Inventors: 张垒垒; 焦雷; 李佳佳; 张燚
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2018-11-22
Filing date: 2018-11-22
Publication date: 2023-07-18
Anticipated expiration: 2038-11-22
Also published as: TWI771608B; TW202020768A; WO2020103563A1; CN113422811A; CN109615366A; CN109615366B

Abstract

The embodiment of the application provides a device payment method and device, comprising the following steps: the method comprises the steps that an Internet of things device sends a payment function opening request to a server through a narrow-band Internet of things NB-IoT communication mode, the server returns response information to the Internet of things device through the NB-IoT communication mode, the Internet of things device transmits an account binding request to a mobile terminal based on the response information to request to bind a target payment account in the mobile terminal, the mobile terminal sends an account binding notification to the server according to the account binding request, and the server sends a payment identifier of the target payment account to the Internet of things device through the NB-IoT communication mode according to the account binding notification, wherein the payment identifier is used for performing deduction operation in the target payment account.

Description

Equipment payment method and device

The invention relates to a Chinese patent application with the application date of 2018, 11, 22, 201811401731.1 and the name of 'equipment payment method and device'.

Technical Field

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

Background

With the rapid development of mobile terminals and software development technologies, various applications may be developed in mobile terminals, which may provide various functions for users, such as a photographing application providing a photographing function, a mapping application providing a mapping function, a navigation application providing a route navigation function, etc.

In order to facilitate the payment of users, mobile terminals such as mobile phones and other devices are mostly provided with a payment function, and users can pay through the mobile terminals. However, the prior art only focuses on how to realize payment on a mobile terminal, and devices other than the mobile terminal cannot realize the payment function, so that the payment scene of a user is less.

Disclosure of Invention

The embodiment of the application aims to provide a device payment method and device, so that a payment function is realized on Internet of things equipment, and a payment scene of a user is enlarged.

To achieve the above technical purpose, the embodiments of the present application are implemented as follows:

the embodiment of the application provides a device payment method, which is applied to Internet of things devices and comprises the following steps: sending a payment function opening request to a server through a narrow-band internet of things (NB-IoT) communication mode, and receiving response information returned by the server according to the payment function opening request through the NB-IoT communication mode; if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal, wherein the account binding request is used for requesting that a target payment account in the mobile terminal is bound with the Internet of things equipment; receiving a payment identifier of the target payment account issued by a server through the NB-IoT communication mode, and storing the payment identifier; the payment identifier of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account with the internet of things device, and the payment identifier is used for performing deduction operation in the target payment account.

The embodiment of the application provides a device payment method, which is applied to a mobile terminal and comprises the following steps: acquiring an account binding request from an internet of things device, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the internet of things device; the account binding request is transmitted by the Internet of things equipment after receiving response information which indicates that the payment function is allowed to be opened from a server, and the response information is transmitted by the server according to the payment function opening request from the Internet of things equipment; the internet of things equipment and the server are communicated in a narrow-band internet of things (NB-IoT) communication mode; and sending a binding notification message to a server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment.

The embodiment of the application provides a device payment method, which is applied to a server and comprises the following steps: receiving a payment function opening request sent by an internet of things device through a narrowband internet of things NB-IoT communication mode, and returning response information to the internet of things device through the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; receiving a binding notification message sent by a mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the Internet of things equipment, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the Internet of things equipment; issuing a payment identifier of the target payment account to the internet of things device through the NB-IoT communication mode, wherein the payment identifier of the target payment account is used for deducting money in the target payment account.

The embodiment of the application provides a device payment apparatus, which is applied to internet of things equipment and comprises: the request opening module is used for sending a payment function opening request to the server through a narrow-band internet of things (NB-IoT) communication mode, and receiving response information returned by the server according to the payment function opening request through the NB-IoT communication mode; the request binding module is used for transmitting an account binding request to the mobile terminal if the response information is used for indicating that the payment function is allowed to be opened, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment; the identification storage module is used for receiving the payment identification of the target payment account issued by the server through the NB-IoT communication mode and storing the payment identification; the payment identifier of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account with the internet of things device, and the payment identifier is used for performing deduction operation in the target payment account.

The embodiment of the application provides a device payment apparatus, which is applied to a mobile terminal and comprises: the request acquisition module is used for acquiring an account binding request from the internet of things equipment, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the internet of things equipment; the account binding request is transmitted by the Internet of things equipment after receiving response information which indicates that the payment function is allowed to be opened from a server, and the response information is transmitted by the server according to the payment function opening request from the Internet of things equipment; the internet of things equipment and the server are communicated in a narrow-band internet of things (NB-IoT) communication mode; and the notification sending module is used for sending a binding notification message to the server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment.

The embodiment of the application provides a device payment apparatus, which is applied to a server and comprises: the request receiving module is used for receiving a payment function opening request sent by the internet of things device through a narrowband internet of things NB-IoT communication mode, and returning response information to the internet of things device through the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened; the account binding module is used for receiving a binding notification message sent by the mobile terminal and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the Internet of things equipment, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the Internet of things equipment; the identification issuing module is used for issuing a payment identification of the target payment account to the internet of things equipment through the NB-IoT communication mode, wherein the payment identification of the target payment account is used for deducting money in the target payment account.

The embodiment of the application provides electronic equipment, which comprises: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to implement the steps of the device payment method described above.

Embodiments of the present application provide a storage medium storing computer-executable instructions that, when executed, implement the steps of the device payment method described above.

Through the technical scheme in the embodiment, the Internet of things equipment can communicate with the server through NB-loT and the mobile terminal, so that the binding of the target payment account in the mobile terminal and the Internet of things equipment is realized. The internet of things device can pay in the target payment account according to the payment identification of the target payment account issued by the server, so that the payment function is realized on the internet of things device, and the payment scene of the user is enlarged.

Drawings

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

Fig. 1 is an application scenario diagram of a device payment method according to an embodiment of the present application;

fig. 2 is a flow chart of a device payment method according to an embodiment of the present application;

FIG. 3 is a schematic flow chart of account binding according to an embodiment of the present application;

fig. 4 is a flow chart of a device payment method according to another embodiment of the present application;

fig. 5 is an application scenario diagram of a device payment method according to another embodiment of the present application;

fig. 6 is a flow chart of a device payment method according to another embodiment of the present application;

fig. 7 is a flow chart of a device payment method according to another embodiment of the present application;

fig. 8 is a flow chart of a device payment method according to another embodiment of the present application;

fig. 9 is a schematic diagram of module composition of a device payment apparatus according to an embodiment of the present application;

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

fig. 11 is a schematic block diagram of a device payment apparatus according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

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

The embodiment of the application provides a device payment method and device, which can realize a payment function on an internet of things device and enlarge a payment scene of a user, wherein the internet of things device has an NB-IoT (Narrow Band Internet of Things ) communication function. NB-IoT is a narrowband internet of things based on a cellular network, is an emerging technology in the IoT field, supports cellular data connection of low-power-consumption devices in a wide area network, and supports efficient connection of devices with long standby time and high network connection requirements. The NB-IoT is also known as an LPWAN (Low-Power Wide-Area Network).

Fig. 1 is an application scenario diagram of a device payment method provided in an embodiment of the present application, as shown in fig. 1, where the scenario includes an internet of things device 100, a mobile terminal 200, and a server 300, where the internet of things device 100 may be a wearable device or an intelligent home appliance, the wearable device may be a watch, a bracelet, etc., and the intelligent home appliance may be a refrigerator, a washing machine, an electric cooker, an air conditioner, etc. In fig. 1, an internet of things device 100 is illustrated as a bracelet. An NB-IoT communication module is installed in the internet of things device 100, and the internet of things device 100 can communicate with the server 300 through an NB-IoT communication manner by using the NB-IoT communication module. The mobile terminal 200 may be a mobile phone, a computer, a tablet computer, etc., and the mobile terminal 200 may communicate with the internet of things device 100 and the server 300. The server 300 may be a background server of the paymate, and the server 300 may communicate with the internet of things device 100 and the mobile terminal 200.

Fig. 2 is a flow chart of a device payment method according to an embodiment of the present application, where the method may be applied to an internet of things device and executed by the internet of things device, and as shown in fig. 2, the flow chart includes the following steps:

step S202, a payment function opening request is sent to a server through an NB-IoT communication mode, and response information returned by the server according to the payment function opening request is received through the NB-IoT communication mode;

step S204, if the response information is used for indicating that the payment function is allowed to be opened, transmitting an account binding request to the mobile terminal; the account binding request is used for requesting to bind a target payment account in the mobile terminal with the Internet of things equipment;

step S206, receiving a payment identifier of a target payment account issued by a server through an NB-IoT communication mode, and storing the payment identifier;

the payment identification of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment, and the payment identification is used for performing deduction operation in the target payment account.

In this embodiment, the payment identifier of the target payment account may be used to make a deduction from the target payment account. The payment identification may be a string of characters that may be generated by the server for the target payment account. The payment identities of the different payment accounts are different. After the server obtains the payment identifier of the target payment account, the server can determine the account identifier of the target payment account according to the payment identifier and the corresponding relation between the pre-recorded payment identifier and the account identifier, and perform deduction operation in the target payment account according to the account identifier of the target payment account.

It can be seen that, in the embodiment of the present application, the internet of things device may send a payment function opening request to the server through an NB-IoT communication manner, receive response information returned by the server according to the payment function opening request through the NB-IoT communication manner, and transmit an account binding request to the mobile terminal when the response information is used to indicate that the payment function is allowed to be opened, so as to request to bind a target payment account in the mobile terminal with the internet of things device, and receive and store a payment identifier of the target payment account issued by the server through the NB-IoT communication manner.

In this embodiment, since the internet of things device may communicate with the server through the NB-IoT communication manner, the internet of things device may operate a system supporting NB-IoT. Because the system supporting NB-IoT (such as a single chip microcomputer system) is generally simpler and has low development difficulty, the system development cost of the internet of things device is greatly reduced, and the payment function can be realized on the intelligent household appliance and the wearable device through a simple development process.

In step S202, the internet of things device sends a payment function opening request to the server through the NB-IoT communication method, where the payment function opening request may carry device feature information of the internet of things device, such as a device identifier, and the server may verify whether the internet of things device is a device that allows opening of the payment function according to the payment function opening request, if yes, the server returns response information for indicating that the payment function is allowed to be opened to the internet of things device through the NB-IoT communication method, and if not, the server returns response information for indicating that the payment function is not allowed to be opened to the internet of things device through the NB-IoT communication method.

In the step S202, the internet of things device receives the response information returned by the server according to the payment function opening request through the NB-IoT communication method. The internet of things device further determines whether the answer information is used for indicating that the payment function is allowed to be opened, and if yes, the internet of things device executes the step S204.

In step S204, the internet of things device transmits an account binding request to the mobile terminal, where the account binding request is used to request binding of a target payment account in the mobile terminal with the internet of things device, and after the target payment account in the mobile terminal is successfully bound with the internet of things device, the internet of things device can implement a payment function through the target payment account. The internet of things device can transmit an account binding request to the mobile terminal through communication means such as Bluetooth, wiFi (WIreless-Fidelity), infrared, two-dimensional code, sound wave and the like.

For example, the internet of things device sends the account binding request to the mobile terminal through any one of bluetooth, wiFi, infrared and sound waves, or the internet of things device displays a two-dimensional code corresponding to the account binding request, and the mobile terminal obtains the account binding request from the internet of things device through a code scanning mode.

After receiving the account binding request, the mobile terminal can perform identity verification on the user, after the user passes the identity verification, the mobile terminal generates account binding inquiry information, the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the internet of things equipment, the mobile terminal receives response information of the user aiming at the account binding inquiry information, if the response information indicates that the user allows the target payment account to be bound with the internet of things equipment, the mobile terminal sends a binding notification message to the server, and the binding notification message is used for notifying the server to bind the target payment account with the internet of things equipment. The mobile terminal can send the binding notification message to the server through WIFI, 4G and other modes.

After receiving the binding notification message, the server may determine whether the number of bound accounts corresponding to the internet of things device is greater than a first number threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than a second number threshold, and if the number of bound accounts corresponding to the internet of things device is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, bind the target payment account with the internet of things device. The binding process may be: the server stores binding records in a database, wherein the binding records record account identifications of the target payment accounts and device identifications of the Internet of things devices in a one-to-one correspondence mode so as to represent that the target payment accounts and the Internet of things devices are mutually bound.

After binding the target payment account in the mobile terminal with the internet of things device, the server issues the payment identifier of the target payment account to the internet of things device through the NB-IoT communication mode, so that the internet of things device executes the step S206, receives the payment identifier of the target payment account issued by the server through the NB-IoT communication mode, and stores the payment identifier, wherein the payment identifier is used for deducting money in the target payment account. As can be seen from the foregoing description, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account binding request transmitted by the internet of things device.

Fig. 3 is a schematic flow chart of account binding provided in an embodiment of the present application, as shown in fig. 3, where the flow includes:

in step S302, the internet of things device sends a payment function opening request to the server through NB-IoT communication according to the user operation.

In this step, the user operation may be an operation of clicking a button that "opens the payment function". The payment function opening request carries device characteristic information, such as a device identifier, of the internet of things device.

In step S304, the server returns response information indicating that the payment function is allowed to be opened to the internet of things device through NB-IoT communication according to the payment function opening request.

In the step, the server extracts the device characteristic information of the internet of things device from the payment opening request, if the internet of things device is determined to be the device allowing the opening of the payment function according to the device characteristic information, the server returns response information indicating that the opening of the payment function is allowed to the internet of things device, the response information carries a unique character string generated by the server for the internet of things device, the unique character string is used for identifying the internet of things device, and the unique character string can be called token.

In step S306, the internet of things device receives the response information sent by the server through the NB-IoT communication method, and transmits an account binding request to the mobile terminal according to the response information.

In this step, the account binding request carries the unique character string, and may also carry device feature information of the internet of things device. The Internet of things equipment can generate a two-dimensional code according to response information of the server, the two-dimensional code carries an account binding request, so that the account binding request is transmitted to the mobile terminal in a mode of displaying the two-dimensional code, and the mobile terminal acquires the account binding request in a mode of scanning the code.

Step S308, the mobile terminal acquires an account binding request from the internet-enabled device and sends an account binding notification to the server.

In the step, the mobile terminal performs identity verification on the user according to the account binding request and inquires whether the user allows binding of the Internet of things equipment and the target payment account. If the user authentication passes and the user allows binding, the mobile terminal sends an account binding notification to the server, wherein the account binding notification carries the unique character string and the equipment characteristic information of the Internet of things equipment, and can also carry the user identity information and the account identifier of the target payment account. Means for authenticating a user by a mobile terminal include, but are not limited to: account password authentication, biometric authentication, dynamic token authentication, mobile phone short message authentication and the like.

Step S310, the server binds the target payment account in the mobile terminal with the Internet of things equipment according to the account binding notification.

In the step, after receiving the account binding notification, the server analyzes the notification to obtain the unique character string and the account identifier, determines the internet of things equipment to be bound according to the unique character string, and determines the target payment account to be bound according to the account identifier, so that the target payment account and the internet of things equipment are bound.

In step S312, the server issues a payment identifier of the target payment account to the internet of things device through NB-IoT communication.

In step S314, the internet of things device saves the payment identifier of the target payment account, so as to perform the payment operation through the payment identifier.

Fig. 4 is a schematic flow chart of a device payment method according to another embodiment of the present application, where the method may be applied to an internet of things device and executed by the internet of things device, and as shown in fig. 4, the flow chart further includes, on the basis of fig. 2:

step S208, generating a payment bar code of the target payment account according to the payment identifier of the target payment account;

step S210, displaying a payment bar code of the target payment account, and collecting bar code information of the payment bar code by the collection device and sending the bar code information to the server so as to carry out deduction operation in the target payment account through the server.

Specifically, when the internet of things device pays, a payment bar code can be generated according to a payment identifier of a target payment account, for example, a payment two-dimensional code is generated by using the payment identifier, time information of the device and a preset algorithm. And then, the internet of things equipment displays the payment bar code, the collection equipment can acquire bar code information of the payment bar code and send the bar code information to the server, and the server carries out deduction operation in the target payment account according to the bar code information.

Specifically, the server may receive the barcode information of the payment barcode sent by the payment device, analyze the barcode information of the payment barcode to obtain the payment identifier of the target payment account, where the analysis algorithm corresponds to the algorithm for generating the payment barcode, and finally, the server performs the payment deduction operation in the target payment account according to the payment identifier of the target payment account.

In other embodiments, the internet of things may also generate payment information of the target payment account according to the payment identifier of the target payment account, send the payment information to the collection device through bluetooth, wiFi, infrared, acoustic wave, and other modes, send the payment information to the server, and the server analyzes the payment identifier of the target payment account according to the payment information, so as to perform a deduction operation in the target payment account.

In the method of fig. 4, the storing, by the internet of things device, the payment identifier may specifically be: and storing the payment identification of the target payment account in a storage unit of the internet of things device. Accordingly, before generating the payment bar code of the target payment account according to the payment identifier of the target payment account, the internet of things device may further: and when the Internet of things equipment is offline, acquiring the payment identification of the target payment account from the storage unit.

Specifically, the internet of things device stores the payment identifier of the target payment account in the storage unit, and when the internet of things device is offline, the internet of things device can acquire the payment identifier of the target payment account from the storage unit, and performs payment operation according to the payment identifier, so that the effect of offline payment is achieved.

Fig. 5 is an application scenario diagram of a device payment method according to another embodiment of the present application, where, as shown in fig. 5, the scenario includes an internet of things device 100, a collection device 400, and a server 300, and the collection device 400 may include a device such as a code scanner.

Fig. 6 is a flow chart of a device payment method according to another embodiment of the present application, as shown in fig. 6, based on the scenario in fig. 5, the method includes:

in step S602, the internet of things device obtains the payment identifier of the target payment account from the storage unit in an offline state.

Step S604, the Internet of things equipment generates and displays a payment bar code of the target payment account according to the payment identification of the target payment account and an offline bar code generation algorithm;

step S606, collecting bar code information of a payment bar code by the collection equipment;

step S608, the collecting device sends the bar code information, the transaction information and the merchant information to the server;

step S610, the server receives the bar code information of the payment bar code, the transaction information and the merchant information sent by the collection device, analyzes the bar code information of the payment bar code to obtain the payment identification of the target payment account, analyzes the merchant information to determine the collection account of the merchant, and determines the collection amount according to the transaction information;

in step S612, the server performs deduction operation in the target payment account according to the payment identifier and the collection amount of the target payment account, and performs corresponding account deposit operation in the collection account of the merchant according to the collection amount.

In summary, the present embodiment has the following advantages:

1. combining payment functionality with NB-IoT, applying the advantages of NB-IoT to the payment realm optimizes the payment experience.

2. The mobile payment method is very suitable for mobile payment of the Internet of things equipment, and based on the advantages of low power consumption, wide coverage and large capacity of NB-IoT, the Internet of things equipment can carry out payment operation for a long time.

3. The internet of things device can realize offline payment, and is convenient for a user to operate.

4. The effect of long-distance communication can be achieved through NB-IoT, and the interaction between the internet of things device and the server is facilitated.

Fig. 7 is a schematic flow chart of a device payment method according to another embodiment of the present application, where the method may be applied to a mobile terminal and executed by the mobile terminal, and as shown in fig. 7, the flow chart includes the following steps:

step S702, acquiring an account binding request from an Internet of things device, wherein the account binding request is used for requesting that a target payment account in a mobile terminal be bound with the Internet of things device; the account binding request is transmitted by the Internet of things equipment after receiving response information which is from the server and indicates that the payment function is allowed to be opened, and the response information is sent by the server according to the payment function opening request from the Internet of things equipment; the Internet of things equipment and the server are communicated through an NB-IoT communication mode;

step S704, according to the account binding request, a binding notification message is sent to the server, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things device.

It can be seen that, in the embodiment of the present application, the mobile terminal may obtain an account binding request from the internet of things device, and send a binding notification message to the server according to the account binding request, where the binding notification message is used to notify the server to bind the target payment account with the internet of things device, so as to bind the target payment account with the internet of things device, so that the internet of things device has a payment function, and expand a payment scenario of the user.

In the step S704, a binding notification message is sent to the server according to the account binding request, which may specifically be: and generating account binding inquiry information according to the account binding request, wherein the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment, and if the user is determined to allow the target payment account to be bound with the Internet of things equipment, sending a binding notification message to the server.

For example, the mobile terminal generates a popup frame according to the account binding request, the popup frame displays whether to determine to bind the account XXX with the device XXX, the mobile terminal also displays a determination button and a cancel button, if the user clicks the determination button, the mobile terminal determines that the user allows to bind the target payment account with the internet of things device, and sends a binding notification message to the server, if the user clicks the cancel button, the mobile terminal ends the binding flow.

Further, before generating the account binding inquiry information, the mobile terminal can also perform authentication on the user, and if the authentication of the user is determined to pass, the account binding inquiry information is generated.

Specifically, the mobile terminal may perform authentication on the user, where the authentication manner includes but is not limited to biometric authentication, account password authentication, short message authentication code authentication, and the like, and if it is determined that the authentication of the user passes, account binding inquiry information is generated, and after it is determined that the user allows binding of the target payment account and the internet of things device, a binding notification message is sent to the server. If the user authentication is not passed, the mobile terminal can display corresponding prompt information. In the embodiment, the accuracy and the safety of account binding can be ensured by an authentication and inquiry authentication dual mode.

Therefore, the payment function of the internet of things device can be achieved through the embodiment. The mobile terminal in this embodiment can implement the foregoing processes implemented by the mobile terminal, and achieve the same effects, which are not repeated here.

Fig. 8 is a schematic flow chart of a device payment method according to another embodiment of the present application, where the method may be applied to a server and executed by the server, and as shown in fig. 8, the flow includes the following steps:

step S802, a payment function opening request sent by the Internet of things equipment is received through an NB-IoT communication mode, response information is returned to the Internet of things equipment through the NB-IoT communication mode according to the payment function opening request, and the response information is used for indicating that the payment function is allowed to be opened;

step S804, receiving a binding notification message sent by the mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the internet of things equipment, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the internet of things equipment;

in step S806, a payment identifier of the target payment account is issued to the internet of things device through the NB-IoT communication method, and the payment identifier of the target payment account is used for performing a deduction operation in the target payment account.

It can be seen that, in the embodiment of the present application, the server may receive, through an NB-IoT communication manner, a payment function opening request sent by an internet of things device, and return response information to the internet of things device through the NB-IoT communication manner according to the payment function opening request, and receive a binding notification message sent by the mobile terminal, bind, according to the binding notification message, a target payment account in the mobile terminal with the internet of things device, and issue, through the NB-IoT communication manner, a payment identifier of the target payment account to the internet of things device, so that the internet of things device can implement a payment function based on the payment identifier, thereby expanding a payment scenario of a user.

In the step S802, response information is returned to the internet of things device through NB-IoT communication according to the payment function activation request, specifically: and extracting the equipment characteristic information of the Internet of things equipment from the payment function opening request, such as equipment identification, verifying whether the Internet of things equipment is equipment allowing the opening of the payment function according to the equipment characteristic information of the Internet of things equipment, if so, returning response information for indicating that the opening of the payment function is allowed to the Internet of things equipment through an NB-IoT communication mode, and if not, returning response information for indicating that the opening of the payment function is not allowed to the Internet of things equipment through the NB-IoT communication mode.

Specifically, a table is stored in the server, the table is used for recording equipment characteristic information of equipment allowing a payment function to be opened, after the server extracts the equipment characteristic information of the equipment of the internet of things, the server searches the extracted equipment characteristic information in the table, if the equipment of the internet of things is found, the equipment of the internet of things is determined to be the equipment allowing the payment function to be opened, response information for indicating that the payment function is allowed to be opened is returned to the equipment of the internet of things, if the equipment of the internet of things is not found, the equipment of the internet of things is determined to be the equipment not allowing the payment function to be opened, and response information for indicating that the payment function is not allowed to be opened is returned to the equipment of the internet of things. Of course, in other manners, the table may also record device feature information of a device that is not allowed to open the payment function, and this process is not described herein.

In the step S802, the target payment account in the mobile terminal is bound with the internet of things device according to the binding notification message, specifically: and judging whether the number of the bound accounts corresponding to the Internet of things equipment is larger than a first number threshold value or not and judging whether the number of the bound equipment corresponding to the target payment account is larger than a second number threshold value or not according to the binding notification message, and binding the target payment account with the Internet of things equipment if the number of the bound accounts corresponding to the Internet of things equipment is not larger than the first number threshold value and the number of the bound equipment corresponding to the target payment account is not larger than the second number threshold value.

Specifically, in order to avoid binding too many devices to the same payment account, or binding too many payment accounts to the same device, in this embodiment, after receiving the binding notification message, the server determines whether the number of bound accounts corresponding to the internet of things device is greater than a first number threshold, and determines whether the number of bound devices corresponding to the target payment account is greater than a second number threshold, where the first number threshold and the second number threshold may be set as required, and if the number of bound accounts corresponding to the internet of things device is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, binding the target payment account with the internet of things device. The binding process may be: the server stores binding records in a database, wherein the binding records record account identifications of the target payment accounts and device identifications of the Internet of things devices in a one-to-one correspondence mode so as to represent that the target payment accounts and the Internet of things devices are mutually bound.

If the number of the bound accounts corresponding to the Internet of things equipment is greater than the first number threshold, or the number of the bound equipment corresponding to the target payment account is greater than the second number threshold, the server can return prompt information that the bound accounts cannot be bound to the mobile terminal.

By the method and the device, the problem of disordered payment caused by binding too many devices with the same payment account or binding too many payment accounts with the same device can be avoided.

In this embodiment, the server may further receive barcode information of a payment barcode sent by the payment device, the payment barcode is generated by the internet of things device according to a payment identifier of the target payment account, the barcode information of the payment barcode is collected by the payment device from the internet of things device, the barcode information of the payment barcode is parsed to obtain the payment identifier of the target payment account, and a payment deduction operation is performed in the target payment account according to the payment identifier of the target payment account.

The algorithm that the server analyzes the bar code information to obtain the payment identifier corresponds to the algorithm that the internet of things equipment generates the payment bar code according to the payment identifier, and after the server obtains the payment identifier, the deduction operation in the target payment account according to the payment identifier of the target payment account can be specifically: according to the payment identification of the target payment account and the corresponding relation between the pre-recorded payment identification and the account identification, determining the account identification of the target payment account, and according to the account identification of the target payment account, performing deduction operation in the target payment account.

Therefore, the payment function of the internet of things device can be achieved through the embodiment. The server in this embodiment can implement the respective processes implemented by the foregoing server, and achieve the same effects, and will not be repeated here.

The embodiment of the application also provides a device payment apparatus, which is applied to an internet of things device, and fig. 9 is a schematic diagram of module composition of the device payment apparatus provided in an embodiment of the application, as shown in fig. 9, where the apparatus includes:

the request opening module 91 is configured to send a payment function opening request to the server through an NB-IoT communication manner, and receive response information returned by the server according to the payment function opening request through the NB-IoT communication manner;

a request binding module 92, configured to transmit an account binding request to the mobile terminal if the response information is used to indicate that the payment function is allowed to be opened, where the account binding request is used to request binding of a target payment account in the mobile terminal with the internet of things device;

the identifier saving module 93 is configured to receive a payment identifier of a target payment account issued by the server through an NB-IoT communication manner, and save the payment identifier; the payment identification of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to an account binding request, the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment, and the payment identification is used for deducting money in the target payment account.

Optionally, the apparatus further comprises a payment module for: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying a payment bar code of the target payment account, and acquiring bar code information of the payment bar code by the cash collecting device and sending the bar code information to the server so as to carry out deduction operation in the target payment account through the server.

Optionally, the identifier-holding module 93 is specifically configured to: storing the payment identification of the target payment account in a storage unit of the internet of things device; the apparatus further comprises: the offline acquisition module is used for acquiring the payment identification of the target payment account from the storage unit when the Internet of things device is offline before generating the payment bar code of the target payment account according to the payment identification of the target payment account.

The device payment device in the embodiment of the application can realize each process realized by the device of the internet of things and achieve the same effect, and the process is not repeated here.

The embodiment of the application also provides a device payment apparatus, which is applied to a mobile terminal, and fig. 10 is a schematic diagram of module composition of the device payment apparatus provided in an embodiment of the application, as shown in fig. 10, where the apparatus includes:

the request acquisition module 101 is configured to acquire an account binding request from the internet of things device, where the account binding request is used for requesting binding of a target payment account in the mobile terminal with the internet of things device; the account binding request is transmitted by the Internet of things equipment after receiving response information which indicates that the payment function is allowed to be opened from the server, and the response information is transmitted by the server according to the payment function opening request from the Internet of things equipment; the internet of things equipment and the server are communicated through a narrow-band internet of things NB-IoT communication mode;

the notification sending module 102 is configured to send a binding notification message to the server according to the account binding request, where the binding notification message is configured to notify the server to bind the target payment account with the internet of things device.

Optionally, the notification sending module 102 is specifically configured to: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the apparatus further comprises: the identity verification module is used for carrying out identity verification on the user before account binding inquiry information is generated; and if the user identity verification is determined to pass, generating account binding inquiry information.

The device payment apparatus in the embodiment of the present application can implement each process implemented by the foregoing mobile terminal, and achieve the same effect, which is not repeated here.

The embodiment of the application also provides a device payment apparatus, which is applied to a server, and fig. 11 is a schematic diagram of module composition of the device payment apparatus provided in an embodiment of the application, as shown in fig. 11, where the apparatus includes:

the request receiving module 111 is configured to receive a payment function opening request sent by an internet of things device through a narrowband internet of things NB-IoT communication mode, and return response information to the internet of things device through the NB-IoT communication mode according to the payment function opening request, where the response information is used to indicate that the payment function is allowed to be opened;

The account binding module 112 is configured to receive a binding notification message sent by the mobile terminal, and bind a target payment account in the mobile terminal with the internet of things device according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the internet of things equipment, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the internet of things equipment;

the identifier issuing module 113 is configured to issue, to the internet of things device through the NB-IoT communication manner, a payment identifier of a target payment account, where the payment identifier of the target payment account is used to perform a deduction operation in the target payment account.

Optionally, the request receiving module 111 is specifically configured to: extracting device characteristic information of the Internet of things device from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing a payment function to be opened according to the equipment characteristic information of the Internet of things equipment; if yes, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment through an NB-IoT communication mode.

Optionally, the account binding module 112 is specifically configured to: judging whether the number of the bound accounts corresponding to the Internet of things equipment is larger than a first number threshold value or not according to the binding notification message, and judging whether the number of the bound accounts corresponding to the target payment account is larger than a second number threshold value or not; if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold, and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold, binding the target payment account and the Internet of things equipment.

Optionally, the device further comprises a deduction module for: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected from the internet-of-things equipment by the payment equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and according to the payment identification of the target payment account, performing deduction operation in the target payment account.

The device payment apparatus in the embodiment of the present application can implement each process implemented by the foregoing server, and achieve the same effect, which is not repeated here.

Further, an electronic device is provided in the embodiment of the present application, and fig. 12 is a schematic structural diagram of the electronic device provided in the embodiment of the present application, as shown in fig. 12, the electronic device may have a relatively large difference due to different configurations or performances, and may include one or more processors 1201 and a memory 1202, where the memory 1202 may store one or more storage applications or data. Wherein the memory 1202 may be transient storage or persistent storage. The application programs stored in memory 1202 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for use in an electronic device. Still further, the processor 1201 may be configured to communicate with the memory 1202 and execute a series of computer-executable instructions in the memory 1202 on an electronic device. The electronic device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input/output interfaces 1205, one or more keyboards 1206, and the like.

In one particular embodiment, an electronic device includes a memory, and one or more programs, where the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the electronic device, and execution of the one or more programs by one or more processors includes instructions for:

Sending a payment function opening request to a server through a narrow-band internet of things (NB-IoT) communication mode, and receiving response information returned by the server according to the payment function opening request through the NB-IoT communication mode;

if the response information is used for indicating that the payment function is allowed to be opened, an account binding request is transmitted to the mobile terminal, wherein the account binding request is used for requesting that a target payment account in the mobile terminal is bound with the Internet of things equipment;

receiving a payment identifier of a target payment account issued by a server through an NB-IoT communication mode, and storing the payment identifier; the payment identification of the target payment account is sent by the server according to a binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to an account binding request, the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment, and the payment identification is used for deducting money in the target payment account.

Optionally, the computer executable instructions, when executed, further comprise: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying a payment bar code of the target payment account, and acquiring bar code information of the payment bar code by the cash collecting device and sending the bar code information to the server so as to carry out deduction operation in the target payment account through the server.

Optionally, the computer executable instructions, when executed, save the payment identification, comprising: storing the payment identification of the target payment account in a storage unit of the internet of things device; before generating the payment bar code of the target payment account according to the payment identification of the target payment account, the method further comprises the following steps: and when the Internet of things equipment is offline, acquiring the payment identification of the target payment account from the storage unit.

The electronic device in the embodiment of the application can realize each process realized by the internet of things device and achieve the same effect, and the process is not repeated here.

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

acquiring an account binding request from the internet of things device, wherein the account binding request is used for requesting binding a target payment account in the mobile terminal with the internet of things device; the account binding request is transmitted by the Internet of things equipment after receiving response information which indicates that the payment function is allowed to be opened from the server, and the response information is transmitted by the server according to the payment function opening request from the Internet of things equipment; the internet of things equipment and the server are communicated through a narrow-band internet of things NB-IoT communication mode;

And sending a binding notification message to the server according to the account binding request, wherein the binding notification message is used for notifying the server to bind the target payment account with the Internet of things equipment.

Optionally, the computer executable instructions, when executed, send a binding notification message to the server according to the account binding request, comprising: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the computer-executable instructions, when executed, further comprise, prior to generating the account binding query information: carrying out identity authentication on the user; and if the user identity verification is determined to pass, generating account binding inquiry information.

The electronic device in the embodiment of the present application can implement each process implemented by the foregoing mobile terminal, and achieve the same effect, which is not repeated here.

Receiving a payment function opening request sent by the internet of things device through a narrowband internet of things NB-IoT communication mode, and returning response information to the internet of things device through the NB-IoT communication mode according to the payment function opening request, wherein the response information is used for indicating that the payment function is allowed to be opened;

receiving a binding notification message sent by a mobile terminal, and binding a target payment account in the mobile terminal with the Internet of things equipment according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the internet of things equipment, wherein the account binding request is used for requesting binding of a target payment account in the mobile terminal with the internet of things equipment;

and issuing a payment identifier of the target payment account to the internet of things equipment through the NB-IoT communication mode, wherein the payment identifier of the target payment account is used for deducting money in the target payment account.

Optionally, the computer-executable instructions, when executed, return response information to the internet of things device in NB-IoT communication manner according to the payment function activation request, comprising: extracting device characteristic information of the Internet of things device from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing a payment function to be opened according to the equipment characteristic information of the Internet of things equipment; if yes, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment through an NB-IoT communication mode.

Optionally, the computer executable instructions, when executed, bind the target payment account in the mobile terminal with the internet of things device according to the binding notification message, including: judging whether the number of the bound accounts corresponding to the Internet of things equipment is larger than a first number threshold value or not according to the binding notification message, and judging whether the number of the bound accounts corresponding to the target payment account is larger than a second number threshold value or not; if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold, and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold, binding the target payment account and the Internet of things equipment.

Optionally, the computer executable instructions, when executed, further comprise: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected from the internet-of-things equipment by the payment equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and according to the payment identification of the target payment account, performing deduction operation in the target payment account.

The electronic device in the embodiment of the present application can implement each process implemented by the foregoing server, and achieve the same effect, which is not repeated here.

Further, the embodiment of the present application further provides a storage medium, which is configured to store computer executable instructions, and in a specific embodiment, the storage medium may be a usb disk, an optical disc, a hard disk, etc., where the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:

Optionally, the storage medium stores computer executable instructions that when executed by the processor further comprise: generating a payment bar code of the target payment account according to the payment identifier of the target payment account; and displaying a payment bar code of the target payment account, and acquiring bar code information of the payment bar code by the cash collecting device and sending the bar code information to the server so as to carry out deduction operation in the target payment account through the server.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, preserve payment identification, comprising: storing the payment identification of the target payment account in a storage unit of the internet of things device; before generating the payment bar code of the target payment account according to the payment identification of the target payment account, the method further comprises the following steps: and when the Internet of things equipment is offline, acquiring the payment identification of the target payment account from the storage unit.

The storage medium in the embodiment of the present application can implement each process implemented by the foregoing internet of things device, and achieve the same effect, which is not repeated here.

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

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, send a binding notification message to the server according to the account binding request, comprising: generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the Internet of things equipment or not; and if the fact that the user allows the target payment account to be bound with the Internet of things equipment is determined, sending a binding notification message to the server.

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, further comprise, prior to generating the account binding query information: carrying out identity authentication on the user; and if the user identity verification is determined to pass, generating account binding inquiry information.

The storage medium in the embodiments of the present application can implement each process implemented by the foregoing mobile terminal, and achieve the same effect, which is not repeated here.

Optionally, the computer executable instructions stored in the storage medium, when executed by the processor, return response information to the internet of things device in NB-IoT communication mode according to the payment function activation request, comprising: extracting device characteristic information of the Internet of things device from the payment function opening request; verifying whether the Internet of things equipment is equipment allowing a payment function to be opened according to the equipment characteristic information of the Internet of things equipment; if yes, returning response information for indicating that the payment function is allowed to be opened to the Internet of things equipment through an NB-IoT communication mode.

Optionally, the computer executable instructions stored in the storage medium, when executed by the processor, bind the target payment account in the mobile terminal with the internet of things device according to the binding notification message, including: judging whether the number of the bound accounts corresponding to the Internet of things equipment is larger than a first number threshold value or not according to the binding notification message, and judging whether the number of the bound accounts corresponding to the target payment account is larger than a second number threshold value or not; if the number of the bound accounts corresponding to the Internet of things equipment is not greater than the first number threshold, and the number of the bound equipment corresponding to the target payment account is not greater than the second number threshold, binding the target payment account and the Internet of things equipment.

Optionally, the storage medium stores computer executable instructions that when executed by the processor further comprise: receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the Internet of things equipment according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected from the internet-of-things equipment by the payment equipment; analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account; and according to the payment identification of the target payment account, performing deduction operation in the target payment account.

The storage medium in the embodiments of the present application can implement each process implemented by the foregoing server, and achieve the same effect, which is not repeated here.

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

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

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

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

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

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

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

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

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

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

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

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

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

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

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

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

Claims

1. A device payment method, characterized in that it is applied to intelligent home appliances, comprising:

receiving response information which is sent by a server and used for representing a payment function opening request for allowing the intelligent household appliance to open a payment function; the response information carries a unique character string generated by a server for the intelligent household appliance;

transmitting an account binding request to a mobile terminal, wherein the account binding request is used for requesting binding a target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

Receiving a payment identifier of the target payment account issued by a server; the payment identifier is sent by a server according to a binding notification message sent by the mobile terminal; the binding notification message is sent by the mobile terminal according to the account binding request; the binding notification message carries the unique character string, the equipment characteristic information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance;

after receiving the account binding request, the mobile terminal performs identity verification on the user, if the user passes the identity verification, generates account binding inquiry information for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance, and if the user allows the target payment account to be bound with the intelligent household appliance, sends the binding notification message to a server.

2. The method according to claim 1, wherein the method further comprises:

generating a payment bar code of the target payment account according to the payment identifier of the target payment account;

And displaying a payment bar code of the target payment account, wherein bar code information of the payment bar code is acquired by the collection equipment and is sent to the server so as to carry out deduction operation in the target payment account through the server.

3. The method of claim 2, wherein after the step of receiving the payment identification of the target payment account issued by the server is performed, further comprising:

storing the payment identification of the target payment account in a storage unit of the intelligent household appliance;

before the generating of the payment bar code of the target payment account according to the payment identifier of the target payment account, the method further comprises:

and when the intelligent household appliance is offline, acquiring the payment identification of the target payment account from the storage unit.

4. The method according to claim 1, wherein the receiving response information sent by the server for indicating a payment function activation request for allowing the smart home appliance to activate the payment function includes:

sending a payment function opening request to a server through a narrow-band internet of things (NB-IoT) communication mode, and receiving response information returned by the server according to the payment function opening request through the NB-IoT communication mode; the response information is used for indicating that the payment function is allowed to be opened;

The receiving server issues the payment identifier of the target payment account, including:

and receiving a payment identifier of the target payment account issued by the server through the NB-IoT communication mode, and storing the payment identifier.

5. The method of claim 1, wherein the payment identification is used to conduct a deduction operation on the target payment account; the payment identification is generated by the server from the target payment account.

6. A device payment method, applied to a mobile terminal, comprising:

acquiring an account binding request from an intelligent household appliance, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request is transmitted by the intelligent household appliance after receiving response information from a server, wherein the response information represents a payment function opening request for allowing the intelligent household appliance to open a payment function; the response information carries a unique character string generated by a server for the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

sending a binding notification message to a server according to the account binding request; the binding notification message carries the unique character string, the equipment characteristic information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance;

After receiving the account binding request, carrying out identity verification on a user, if the user passes the identity verification, generating account binding inquiry information for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance, and if the user allows the target payment account to be bound with the intelligent household appliance, sending the binding notification message to a server.

7. The method of claim 6, wherein sending a binding notification message to a server in accordance with the account binding request comprises:

generating account binding inquiry information according to the account binding request; the account binding inquiry information is used for inquiring whether the user allows the target payment account to be bound with the intelligent household appliance or not;

and if the fact that the user allows the target payment account to be bound with the intelligent household appliance is determined, a binding notification message is sent to a server.

8. The method of claim 7, wherein prior to generating account binding query information, the method further comprises:

carrying out identity authentication on the user;

and if the user identity verification is determined to pass, generating account binding inquiry information.

9. A device payment method, applied to a server, comprising:

transmitting response information of a payment function opening request to the intelligent household appliance, wherein the response information is used for indicating that the payment function is allowed to be opened; the response information carries a unique character string generated by a server for the intelligent household appliance;

receiving a binding notification message sent by a mobile terminal, and binding a target payment account in the mobile terminal with the intelligent household appliance according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the intelligent household appliance; the binding notification message carries the unique character string, the device characteristic information of the intelligent household appliance and the account identifier of the target payment account, and the account binding request is used for requesting to bind the target payment account with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information;

issuing a payment identifier of the target payment account to the intelligent household appliance;

10. The method according to claim 9, wherein before the step of sending the response information of the payment function activation request to the smart home appliance is performed, further comprising:

receiving a payment function opening request sent by the intelligent household appliance through a narrow-band internet of things (NB-IoT) communication mode;

the sending the response information of the payment function opening request to the intelligent household appliance comprises the following steps:

extracting the device characteristic information of the intelligent household appliance from the payment function opening request;

verifying whether the intelligent household appliance is a device allowing a payment function to be opened according to the device characteristic information of the intelligent household appliance;

if yes, returning response information for indicating that the payment function is allowed to be opened to the intelligent household appliance through the NB-IoT communication mode.

11. The method according to claim 9 or 10, wherein binding the target payment account in the mobile terminal with the smart home appliance according to the binding notification message comprises:

judging whether the number of the bound accounts corresponding to the intelligent household appliances is larger than a first number threshold value or not according to the binding notification message, and judging whether the number of the bound devices corresponding to the target payment accounts is larger than a second number threshold value or not;

And if the number of the bound accounts corresponding to the intelligent household appliances is not greater than a first number threshold, and the number of the bound devices corresponding to the target payment accounts is not greater than a second number threshold, binding the target payment accounts with the intelligent household appliances.

12. The method according to claim 9 or 10, characterized in that the method further comprises:

receiving bar code information of a payment bar code sent by a collection device; the payment bar code is generated by the intelligent household appliance according to the payment identifier of the target payment account; the bar code information of the payment bar code is collected from the intelligent household appliance by the payment equipment;

analyzing the bar code information of the payment bar code to obtain a payment identifier of the target payment account;

and according to the payment identification of the target payment account, deducting money in the target payment account.

13. The method of claim 9, wherein the issuing the payment identification of the target payment account to the smart appliance comprises:

issuing a payment identifier of the target payment account to the intelligent household appliance through an NB-IoT communication mode; the payment identifier of the target payment account is used for performing deduction operation in the target payment account; the payment identification is generated by the server from the target payment account.

14. The method of claim 10, wherein verifying, based on the device characteristic information of the smart home, whether the smart home is a device that allows a payment function to be opened comprises:

reading a device characteristic information table; the device characteristic information table is used for recording first device characteristic information of the device which is allowed to open the payment function or second device characteristic information of the device which is not allowed to open the payment function;

searching the device characteristic information of the intelligent household appliance in the first device characteristic information or the second device characteristic information;

and determining whether the intelligent household appliance is a device allowing the payment function to be opened according to the query result.

15. A device payment apparatus, characterized in that it is applied to intelligent household appliances, comprising:

the request opening module is used for receiving response information which is sent by the server and used for indicating a payment function opening request for allowing the intelligent household appliance to open the payment function; the response information carries a unique character string generated by a server for the intelligent household appliance;

the request binding module is used for transmitting an account binding request to the mobile terminal, wherein the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

The identification receiving module is used for receiving the payment identification of the target payment account issued by the server; the payment identifier is sent by a server according to a binding notification message sent by the mobile terminal; the binding notification message is sent by the mobile terminal according to the account binding request; the binding notification message carries the unique character string, the equipment characteristic information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance;

16. The apparatus of claim 15, further comprising a payment module to:

17. The apparatus of claim 16, wherein the apparatus further comprises:

the identification storage module is used for storing the payment identification of the target payment account in a storage unit of the intelligent household appliance;

and the offline acquisition module is used for acquiring the payment identifier of the target payment account from the storage unit when the intelligent household appliance is offline before generating the payment bar code of the target payment account according to the payment identifier of the target payment account.

18. A device payment apparatus, characterized by being applied to a mobile terminal, comprising:

the system comprises a request acquisition module, a request binding module and a request binding module, wherein the request acquisition module is used for acquiring an account binding request from an intelligent household appliance, and the account binding request is used for requesting to bind a target payment account in the mobile terminal with the intelligent household appliance; the account binding request is transmitted by the intelligent household appliance after receiving response information from a server, wherein the response information represents a payment function opening request for allowing the intelligent household appliance to open a payment function; the response information carries a unique character string generated by a server for the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information of the intelligent household appliance;

The notification sending module is used for sending a binding notification message to the server according to the account binding request; the binding notification message carries the unique character string, the equipment characteristic information and the account identifier of the target payment account, and is used for notifying a server to bind the target payment account with the intelligent household appliance;

19. A device payment apparatus, characterized by being applied to a server, comprising:

the response sending module is used for sending response information of the payment function opening request to the intelligent household appliance, and the response information is used for indicating that the payment function is allowed to be opened; the response information carries a unique character string generated by a server for the intelligent household appliance;

the account binding module is used for receiving a binding notification message sent by the mobile terminal and binding a target payment account in the mobile terminal with the intelligent household appliance according to the binding notification message; the binding notification message is sent by the mobile terminal according to an account binding request acquired from the intelligent household appliance; the binding notification message carries the unique character string, the device characteristic information of the intelligent household appliance and the account identifier of the target payment account, and the account binding request is used for requesting to bind the target payment account with the intelligent household appliance; the account binding request carries the unique character string and the equipment characteristic information;

The identification issuing module is used for issuing a payment identification of the target payment account to the intelligent household appliance;

20. The apparatus as recited in claim 19, further comprising:

the request receiving module is used for receiving a payment function opening request sent by the intelligent household appliance through a narrow-band internet of things (NB-IoT) communication mode;

the response sending module is specifically configured to:

21. The apparatus of claim 19 or 20, further comprising a deduction module for:

22. An electronic device, comprising: a processor; and a memory arranged to store computer executable instructions that when executed cause the processor to implement the steps of the device payment method of any of the preceding claims 1 to 5; alternatively, the steps of implementing the device payment method of any one of the preceding claims 6 to 8; alternatively, the steps of implementing the device payment method of any of the preceding claims 9 to 14.

23. A storage medium storing computer executable instructions which when executed implement the steps of the device payment method of any one of the preceding claims 1 to 5; alternatively, the steps of implementing the device payment method of any one of the preceding claims 6 to 8; alternatively, the steps of implementing the device payment method of any of the preceding claims 9 to 14.