CN116843332A - Payment method and device based on hardware wallet - Google Patents
Payment method and device based on hardware wallet Download PDFInfo
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- CN116843332A CN116843332A CN202210289529.4A CN202210289529A CN116843332A CN 116843332 A CN116843332 A CN 116843332A CN 202210289529 A CN202210289529 A CN 202210289529A CN 116843332 A CN116843332 A CN 116843332A
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- 238000000034 method Methods 0.000 title claims abstract description 35
- 238000004891 communication Methods 0.000 claims abstract description 123
- 230000003993 interaction Effects 0.000 claims abstract description 54
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- 230000003213 activating effect Effects 0.000 claims abstract description 11
- 230000007246 mechanism Effects 0.000 claims description 106
- 238000013475 authorization Methods 0.000 claims description 36
- 238000004590 computer program Methods 0.000 claims description 9
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses a payment method and device based on a hardware wallet, and relates to the technical field of computers. One embodiment of the method comprises the following steps: according to the voice interaction instruction of the user, ordering the product selected by the user, prompting the user to pay through voice, and activating the near field communication module; in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; and sending a payment instruction to the hardware wallet through a near field communication connection to interact data with the hardware wallet to complete payment. According to the embodiment, the online payment based on voice interaction and the hardware wallet is realized, the complicated process of payment after arrival is avoided, and the payment safety and convenience are improved.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a payment method and apparatus based on a hardware wallet.
Background
Existing smart devices (e.g., smart speakers, mobile phones, smart watches, etc.) can implement shopping through voice interaction, but cannot implement online payment because password input cannot be performed through voice interaction. For visually impaired people, most of the people need to pay after goods are paid, so that shopping is inconvenient. For the people without barriers, when goods are fetched, the password is input to pay under the exposed environment, and a certain safety risk exists.
Disclosure of Invention
In view of the above, the embodiment of the invention provides a payment method and device based on a hardware wallet, which can realize online payment based on voice interaction and the hardware wallet, avoid the complicated process of payment after arrival, and improve the payment safety and convenience.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a payment method based on a hardware wallet, including:
according to the voice interaction instruction of the user, ordering the product selected by the user, prompting the user to pay through voice, and activating the near field communication module;
in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module;
and sending a payment instruction to the hardware wallet through a near field communication connection to interact data with the hardware wallet to complete payment.
Optionally, before establishing a near field communication connection with the hardware wallet through the near field communication module, the method further includes: and acquiring payment authorization information of the hardware wallet.
Optionally, the payment authorization information is generated by the user authorizing the payment by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
Optionally, the near field communication module is an NFC communication module or a bluetooth communication module.
Optionally, data interaction with the hardware wallet to complete payment includes: and deducting money from the hardware wallet according to payment information sent by the hardware wallet to finish payment, wherein the payment information is generated according to the payment instruction.
Optionally, debiting from the hardware wallet comprises: and generating a payment request according to the payment information and sending the payment request to an application background so that the application background forwards the payment request to a currency operation mechanism, and deducting money from the hardware wallet.
Optionally, the method further comprises: after the payment is completed, the user is prompted by voice that the payment was successful.
According to another aspect of an embodiment of the present invention, there is provided a payment device based on a hardware wallet, including:
the payment reminding module is used for ordering the product selected by the user according to the voice interaction instruction of the user, reminding the user of payment through voice, and activating the near field communication module;
the communication connection establishment module is used for responding to the detection of the hardware wallet and establishing near field communication connection with the hardware wallet through the near field communication module;
And the payment interaction execution module is used for sending a payment instruction to the hardware wallet through near field communication connection so as to carry out data interaction with the hardware wallet to complete payment.
Optionally, the system further comprises an authorization information acquisition module, configured to: and acquiring payment authorization information of the hardware wallet before establishing near field communication connection with the hardware wallet through the near field communication module.
Optionally, the payment authorization information is generated by the user authorizing the payment by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
Optionally, the near field communication module is an NFC communication module or a bluetooth communication module.
Optionally, the payment interaction execution module is further configured to: and deducting money from the hardware wallet according to payment information sent by the hardware wallet to finish payment, wherein the payment information is generated according to the payment instruction.
Optionally, the payment interaction execution module is further configured to: and generating a payment request according to the payment information and sending the payment request to an application background so that the application background forwards the payment request to a currency operation mechanism, and deducting money from the hardware wallet.
Optionally, the system further comprises a voice reminding module for: after the payment is completed, the user is prompted by voice that the payment was successful.
According to yet another aspect of an embodiment of the present invention, there is provided a hardware wallet-based payment system including:
the payment device based on the hardware wallet is used for ordering products selected by a user according to voice interaction instructions of the user, prompting the user to pay through voice, and activating the near field communication module; in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; sending a payment instruction to the hardware wallet through near field communication connection to perform data interaction with the hardware wallet to complete payment;
a hardware wallet for establishing a near field communication connection with the hardware wallet based payment device; and receiving a payment instruction sent by the payment device based on the hardware wallet through a near field so as to interact data with the payment device based on the hardware wallet to complete payment.
Optionally, the hardware wallet is further configured to: performing payment authorization according to the operation of the user, and generating payment authorization information; the hardware wallet based payment device is further configured to: and acquiring payment authorization information of the hardware wallet before establishing near field communication connection with the hardware wallet through the near field communication module.
Optionally, the payment authorization information is generated by the user authorizing the payment by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
Optionally, the system further comprises an application background and a currency operating mechanism, and the hardware wallet is further configured to: generating payment information according to the payment instruction, and sending the payment information to the payment device based on the hardware wallet; the hardware wallet based payment device is further configured to: generating a payment request according to the payment information sent by the hardware wallet and sending the payment request to the application background; the application background is used for: forwarding the payment request to the money handling mechanism; the money handling mechanism is configured to: and deducting money from the hardware wallet according to the payment request.
Optionally, the payment instruction includes a payment amount, the payment information includes a payment amount and a payment wallet identification, and the payment request includes a payment amount, a payment wallet identification, and a collection wallet identification; the currency operating mechanism includes a payee operating mechanism and a payer operating mechanism, and the application background is further configured to: determining a payee operation mechanism according to the payee wallet identification, and forwarding the payment request to the payee operation mechanism; receiving payment success information sent by the payee operation mechanism; the payee operating mechanism is used for: receiving the payment request, and determining a payer operation mechanism according to the payment wallet identification; if the payer operation mechanism is the same as the payee operation mechanism, deducting money from a payment wallet according to the payment wallet identification and the payment amount, and generating a deduction success response; if the payer operation mechanism is different from the payee operation mechanism, forwarding the payment request to an interconnection platform so that the interconnection platform forwards the payment request to the payer operation mechanism; transferring the payment amount to a money receiving wallet according to the payment successful response, and sending payment successful information to the application background; the payer operator is configured to: and receiving the payment request, deducting money from the payment wallet according to the payment wallet identification and the payment amount, and returning a successful deduction response to the interconnection platform so that the interconnection platform sends the successful deduction response to the payee operation mechanism.
Optionally, the application background is further configured to: sending the payment success information to the hardware wallet-based payment device; the hardware wallet based payment device is further configured to: and receiving the payment success information, and prompting the user that the payment is successful through voice.
According to yet another aspect of an embodiment of the present invention, there is provided a payment electronic device based on a hardware wallet, including: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the payment method based on the hardware wallet provided by the embodiment of the invention.
According to yet another aspect of the embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements the hardware wallet-based payment method provided by the embodiments of the present invention.
One embodiment of the above invention has the following advantages or benefits: ordering products selected by a user according to a voice interaction instruction of the user, prompting the user to pay by voice, and activating the near field communication module; in response to detecting the hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; through near field communication connection, send the payment instruction to the hardware wallet to carry out the technical scheme of data interaction with the hardware wallet and accomplish the payment, select the product back through the smart machine that has the voice assistant function, voice assistant suggestion user authorized the payment, the user is close to intelligent hardware device with establishing near field communication connection through the hardware wallet, accomplish the payment, realized the online payment based on voice interaction and hardware wallet, avoided the loaded down with trivial details flow that needs to pay after arriving goods, improved payment security and convenience.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a hardware wallet-based payment method in accordance with an embodiment of the invention;
FIG. 2 is a schematic diagram of a payment flow for one embodiment of the present invention;
FIG. 3 is a schematic diagram of the main modules of a hardware wallet-based payment device in accordance with an embodiment of the invention;
FIG. 4 is a schematic diagram of the major components of a hardware wallet-based payment system of an embodiment of the invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 6 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The existing intelligent equipment, particularly the household intelligent equipment, can realize shopping through voice interaction, but can not realize online payment for visually impaired people because password input can not be carried out through voice, and the shopping convenience is greatly reduced because goods can be paid only after being paid; for the people without barriers, if the intelligent device is provided with an input module capable of inputting the password (for example, an input interface of the intelligent mobile phone), the mode of manually inputting the password can be selected to carry out online payment, but most of household intelligent devices are not provided with the input module, so that online payment is difficult to carry out, and when payment is carried out, the password is required to be input under an exposed environment for carrying out payment, and a certain safety risk exists. However, smart devices, particularly home smart devices, are inherently provided with the attributes of a privacy environment, and existing smart devices do not take advantage of the privacy environment to pay when supporting online shopping, and thus existing product logic is problematic.
The invention utilizes the characteristic that the intelligent equipment, especially the household intelligent equipment is often in a private environment, can ensure the environmental safety of user payment, and avoids the complicated process of payment after arrival. For visually impaired people, after products (including goods or services) are selected through intelligent equipment such as an intelligent sound box and the like with a voice assistant function, the voice assistant prompts a user to authorize payment, and the user completes payment by approaching a hardware wallet to the intelligent hardware equipment to establish near field communication connection.
Fig. 1 is a schematic diagram of the main steps of a hardware wallet-based payment method according to an embodiment of the invention. In an embodiment of the invention, the main steps of online payment shopping based on a hardware wallet of an intelligent device which is deployed with a shopping application and has a voice interaction function are described. As shown in fig. 1, the payment method based on the hardware wallet of the embodiment of the invention mainly includes the following steps S101 to S103.
Step S101: and ordering the product selected by the user according to the voice interaction instruction of the user, prompting the user to pay by voice, and activating the near field communication module. In the embodiment of the invention, the intelligent device with the shopping application and the voice interaction function is, for example: intelligent sound box, smart phone, etc. The user can operate shopping application running on the intelligent device through the voice interaction instruction which can be recognized by the voice assistant, select products such as goods or services and the like, and place an order. The user may wake up the smart device by wake-up words and make product selections by speaking the product that is desired to be purchased and, after confirmation, generate an order by a shopping application deployed on the smart device.
After the order is generated, the shopping application deployed on the intelligent device prompts the user to pay by voice, and activates a near field communication module, such as NFC (Near Field Communication) communication module or bluetooth communication module, on the intelligent device to wait for connection with the hardware wallet.
Step S102: in response to detecting a hardware wallet, a near field communication connection is established with the hardware wallet through the near field communication module. The hardware wallet may be implemented, for example, as a card or a wearable device hardware wallet, a hardware wallet deployed on a smart device with an input module such as a smart phone, etc. The carrier of the hardware wallet (e.g., card or wearable device, smart phone, etc.) also has a near field communication module thereon for communication connection with the smart device where the shopping application is deployed.
According to the embodiment of the invention, before the near field communication connection is established with the hardware wallet through the near field communication module, payment authorization information of the hardware wallet needs to be acquired. Wherein the payment authorization information is generated by a user performing payment authorization by the following authorization method: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
After receiving the voice prompt of payment sent by the shopping application deployed on the intelligent device, the user operates the hardware wallet to authorize the payment. Depending on the form of the hardware wallet, different authorization manners may be adopted, for example, for a card-type or wearable device hardware wallet, the user may confirm payment authorization by pressing a form of entity button on the hardware wallet; for the smart phone, payment authorization can be confirmed by inputting a fingerprint or a payment password; and a small amount secret-free mode can be adopted to directly initiate payment. For the visually impaired people, a special mobile phone is needed to input the payment password, so that the payment password caused by voice broadcasting is prevented from being revealed.
After the user authorizes the payment, the user approaches the hardware wallet to the intelligent device with the shopping application, and near field communication connection is established with the hardware wallet based on a short-distance communication protocol through a near field communication module of the intelligent device. If the user does not authorize the payment, the intelligent device and the hardware wallet will not establish near field communication connection even if the user approaches the hardware wallet to the intelligent device with the shopping application deployed. The data interaction is performed in a near field communication mode, so that the payment willingness of a user can be more clearly defined, and the payment is safer.
Step S103: and sending a payment instruction to the hardware wallet through a near field communication connection to interact data with the hardware wallet to complete payment. After the intelligent device with the shopping application is connected with the hardware wallet in a near field communication mode, the intelligent device sends a payment instruction to the hardware wallet so that the hardware wallet can pay according to the payment instruction, wherein the payment instruction mainly comprises payment amount.
According to one embodiment of the present invention, the data interaction with the hardware wallet to complete payment may specifically include: and deducting money from the hardware wallet according to payment information sent by the hardware wallet to finish payment, wherein the payment information is generated according to the payment instruction. After the smart device (in the description of the embodiment of the present invention, the smart device is the smart device deployed with the shopping application) sends the payment instruction to the hardware wallet, the hardware wallet generates payment information according to the payment instruction, and sends the payment information to the smart device, where the payment information includes, for example, a payment amount and a payment wallet identifier, and information of the payment wallet including information of an operating mechanism to which the payment wallet belongs, payment wallet balance information, and the like can be obtained through the payment wallet identifier. Multiple wallet identities may be managed in the hardware wallet, each wallet identity corresponds to a digital currency wallet account, when payment deduction is performed, one (or a default one) digital currency wallet account may be selected to perform deduction, so payment wallet identity may be included in payment information sent by the hardware wallet. In addition, when the hardware wallet returns payment information, the payment information can be encrypted and transmitted for the safety of information transmission.
According to the technical scheme of the invention, when the money is deducted from the hardware wallet, the method specifically comprises the following steps: and generating a payment request according to the payment information and sending the payment request to an application background so that the application background forwards the payment request to a currency operation mechanism, and deducting money from the hardware wallet. After receiving the payment information sent by the hardware wallet, the intelligent device generates a payment request according to the payment information and sends the payment request to the application background, so that the application background forwards the payment request to the currency operation mechanism, and deducts money from the hardware wallet. Wherein the payment request includes, for example, a payment wallet identification, a payment amount, and a collection wallet identification. In the case of money deductions, this is to be carried out by the money handling mechanism, so that the application background forwards the payment request to the money handling mechanism for the deduction. Where a money handling institution refers to an institution that manages money transactions, such as a commercial bank.
The money handling mechanism may include a payee handling mechanism and a payer handling mechanism, depending on the function performed. In one embodiment of the present invention, if the payee operation mechanism and the payer operation mechanism are different mechanisms, when the application background forwards the payment request to the money operation mechanism, the payee operation mechanism is first determined according to the wallet identification in the payment request, and then the payment request is forwarded to the payee operation mechanism; after receiving the payment request, the payee operating mechanism determines the payer operating mechanism according to the payment wallet identification in the payment request, and forwards the payment request to the payer operating mechanism through an interconnection platform (an intermediate platform depending on the data interaction among different currency operating mechanisms); after receiving the payment request, the payer operating mechanism deducts money from the payment wallet according to the payment wallet identification, and returns a deduction success instruction to the payee operating mechanism through the interconnection platform; the operation mechanism of the payee performs corresponding accounting processing, transfers the payment amount into a wallet of the payee, and returns a successful response of deduction to the application background; the application background returns the payment success information to the intelligent equipment; finally, after the payment is completed, the intelligent device prompts the user that the payment is successful through voice. In addition, before the payment is deducted from the payment wallet according to the payment wallet identification, the payment operator may decrypt and verify the payment information included in the payment request, and after the verification is passed, deducting the payment, where the verification content may include, for example: whether the payment information can be decrypted, verifying the integrity of the payment information based on the MAC code of the payment information, whether the balance of the payment wallet is sufficient, etc.
In another embodiment of the present invention, if the payee operation mechanism and the payer operation mechanism are the same mechanism, when the application background forwards the payment request to the money operation mechanism, the payee operation mechanism is first determined according to the wallet identification in the payment request, and then the payment request is forwarded to the payee operation mechanism; after receiving the payment request, the payee operating mechanism determines the payer operating mechanism according to the payment wallet identification in the payment request, and at the moment, the payer operating mechanism and the payee operating mechanism are the same mechanism, the payee operating mechanism deducts money from the payment wallet according to the payment wallet identification, and generates a deduction success instruction; the operation mechanism of the payee performs corresponding accounting processing, transfers the payment amount into a wallet of the payee, and returns a successful response of deduction to the application background; the application background returns the payment success information to the intelligent equipment; finally, after the payment is completed, the intelligent device prompts the user that the payment is successful through voice. In addition, before the payee operator deducts the payment from the payment wallet according to the payment wallet identification, the payment information included in the payment request may be decrypted and verified, and after the verification is passed, the deduction may be performed, where the verification content may include, for example: whether the payment information can be decrypted, verifying the integrity of the payment information based on the MAC code of the payment information, whether the balance of the payment wallet is sufficient, etc.
Fig. 2 is a schematic diagram of a payment flow of one embodiment of the present invention. As shown in fig. 2, in which a payee operation mechanism and a payer operation mechanism are different mechanisms, a payment process based on a hardware wallet mainly includes the following steps:
step 1: the user operates shopping applications running on intelligent equipment (such as intelligent sound boxes, intelligent mobile phones and the like) through voice interaction instructions to select products and place orders. Specifically, the user may wake up the smart device with a wake word, speak the item that he wants to purchase, and after confirmation, generate an order by the shopping application;
step 2: the shopping application running on the intelligent equipment prompts the user to pay through voice, activates short-distance communication modes such as NFC and the like, and waits for the connection of the hardware wallet;
step 3: after receiving the voice prompt, the user operates the hardware wallet to authorize the payment. Depending on the form of the hardware wallet, different authorization manners may be adopted, for example, for a card-type or wearable device hardware wallet, the user may confirm payment authorization by pressing a form of entity button on the hardware wallet; for the smart phone, payment authorization can be confirmed by inputting a fingerprint or a payment password; the payment can be directly initiated by adopting a small-amount secret-free mode;
Step 4: the user brings the hardware wallet close to the intelligent device;
step 5: the intelligent device establishes communication connection with the hardware wallet through a short-range communication protocol (such as NFC);
step 6: the shopping application of the intelligent device initiates payment instructions to the hardware wallet, wherein the payment instructions comprise payment amount;
step 7: the hardware wallet returns encrypted payment information including, for example, payment amount and payment wallet identification;
step 8: the shopping application of the intelligent device carries payment information returned by the hardware wallet to initiate a payment request to a shopping application background system, wherein the payment request comprises payment amount, payment wallet identification and collection wallet identification;
step 9: the shopping application background system determines a payee operating mechanism according to the payment request and initiates the payment request to the payee operating mechanism;
step 10: the payee operation mechanism determines the payer operation mechanism according to the payment request, and the payer operation mechanism and the payee operation mechanism are different mechanisms at the moment, and the payment request is forwarded to the interconnection platform;
step 11: the interconnection platform forwards the payment request to the payer operation mechanism;
step 12: after receiving the payment request, the payer operation mechanism decrypts the payment information and verifies the payment information, and after verification, deducts the balance of the payment wallet;
Step 13: the payer operation mechanism returns a deduction success response to the interconnection platform;
step 14: the interconnection and interworking platform sends a deduction success response to the payee operation mechanism;
step 15: after receiving the successful response of the deduction, the operation mechanism of the payee performs corresponding accounting processing and transfers the payment amount to a wallet of the payee;
step 16: the payee operator returns payment success information to the shopping application background system;
step 17: the shopping application background system returns payment success information to the shopping application of the intelligent equipment;
step 18: the intelligent device prompts the user with voice for successful payment.
Fig. 3 is a schematic diagram of the main modules of a hardware wallet-based payment device according to an embodiment of the invention. As shown in fig. 3, the payment device 300 based on the hardware wallet of the embodiment of the invention mainly includes a payment reminding module 301, a communication connection establishing module 302 and a payment interaction executing module 303.
The payment reminding module 301 is configured to order a product selected by a user according to a voice interaction instruction of the user, prompt the user to pay through voice, and activate the near field communication module;
a communication connection establishment module 302, configured to establish a near field communication connection with a hardware wallet through the near field communication module in response to detecting the hardware wallet;
And the payment interaction execution module 303 is used for sending a payment instruction to the hardware wallet through a near field communication connection so as to perform data interaction with the hardware wallet to complete payment.
According to one embodiment of the present invention, the hardware wallet-based payment device 300 may further include an authorization information acquisition module (not shown) for: and acquiring payment authorization information of the hardware wallet before establishing near field communication connection with the hardware wallet through the near field communication module.
According to another embodiment of the invention, the payment authorization information is generated by a user making payment authorization by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
According to yet another embodiment of the present invention, the near field communication module is an NFC communication module or a bluetooth communication module.
According to yet another embodiment of the present invention, the payment interaction execution module 303 may be further configured to: and deducting money from the hardware wallet according to payment information sent by the hardware wallet to finish payment, wherein the payment information is generated according to the payment instruction.
According to yet another embodiment of the present invention, the payment interaction execution module 303 may be further configured to: and generating a payment request according to the payment information and sending the payment request to an application background so that the application background forwards the payment request to a currency operation mechanism, and deducting money from the hardware wallet.
According to yet another embodiment of the present invention, the hardware wallet based payment device 300 may further include a voice alert module (not shown) for: after the payment is completed, the user is prompted by voice that the payment was successful.
Fig. 4 is a schematic diagram of the main components of a hardware wallet-based payment system of an embodiment of the invention. As shown in fig. 4, the hardware wallet-based payment system 400 of the embodiment of the present invention mainly includes a hardware wallet-based payment device 300, a hardware wallet 401, an application background 402, and a money handling mechanism 403. The currency operating mechanisms 403 may include, among other things, a payee operating mechanism 4031 and a payer operating mechanism 4032.
The payment device 300 based on the hardware wallet is used for ordering products selected by a user according to voice interaction instructions of the user, prompting the user to pay through voice, and activating the near field communication module; in response to detecting the hardware wallet 401, establishing a near field communication connection with the hardware wallet 401 through the near field communication module; sending a payment instruction to the hardware wallet 401 through a near field communication connection to perform data interaction with the hardware wallet 401 to complete payment;
A hardware wallet 401 for establishing a near field communication connection with the hardware wallet based payment device 300; the payment instruction sent by the payment device 300 based on the hardware wallet through the near field is received to perform data interaction with the payment device 300 based on the hardware wallet to complete payment.
According to one embodiment of the invention, the hardware wallet 401 may also be used to: performing payment authorization according to the operation of the user, and generating payment authorization information; the hardware wallet based payment device 300 may also be used to: and acquiring payment authorization information of the hardware wallet before establishing near field communication connection with the hardware wallet through the near field communication module.
According to another embodiment of the invention, the payment authorization information is generated by a user making payment authorization by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
According to yet another embodiment of the invention, the hardware wallet 401 may also be used to: generating payment information according to the payment instruction, and transmitting the payment information to the payment device 300 based on the hardware wallet; the hardware wallet based payment device 300 may also be used to: generating a payment request according to the payment information sent by the hardware wallet and sending the payment request to the application background 402; the application background 402 is used to: forwarding the payment request to the money handling mechanism 403; the money handling mechanism 403 is configured to: and deducting money from the hardware wallet according to the payment request.
According to yet another embodiment of the present invention, the payment instruction includes a payment amount, the payment information includes a payment amount and a payment wallet identification, and the payment request includes a payment amount, a payment wallet identification, and a collection wallet identification; the money handling mechanism 403 includes a payee handling mechanism 4031 and a payer handling mechanism 4032, and the application background 403 may also be used to: determining a payee operation mechanism according to the payee wallet identification, and forwarding the payment request to the payee operation mechanism; receiving payment success information sent by the payee operation mechanism; the payee operator 4031 is for: receiving the payment request, and determining a payer operation mechanism according to the payment wallet identification; if the payer operation mechanism is the same as the payee operation mechanism, deducting money from a payment wallet according to the payment wallet identification and the payment amount, and generating a deduction success response; if the payer operation mechanism is different from the payee operation mechanism, forwarding the payment request to an interconnection platform so that the interconnection platform forwards the payment request to the payer operation mechanism; transferring the payment amount to a money receiving wallet according to the payment successful response, and sending payment successful information to the application background; the payer operator 4032 is for: and receiving the payment request, deducting money from the payment wallet according to the payment wallet identification and the payment amount, and returning a successful deduction response to the interconnection platform so that the interconnection platform sends the successful deduction response to the payee operation mechanism.
According to yet another embodiment of the present invention, the application background 401 may also be used to: sending the payment success information to the hardware wallet based payment device 300; the hardware wallet based payment device 300 may also be used to: and receiving the payment success information, and prompting the user that the payment is successful through voice.
According to the technical scheme of the embodiment of the invention, the product selected by the user is ordered according to the voice interaction instruction of the user, the user is prompted to pay through voice, and the near field communication module is activated; in response to detecting the hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; through near field communication connection, send the payment instruction to the hardware wallet to carry out the technical scheme of data interaction with the hardware wallet and accomplish the payment, select the product back through the smart machine that has the voice assistant function, voice assistant suggestion user authorized the payment, the user is close to intelligent hardware device with establishing near field communication connection through the hardware wallet, accomplish the payment, realized the online payment based on voice interaction and hardware wallet, avoided the loaded down with trivial details flow that needs to pay after arriving goods, improved payment security and convenience.
Fig. 5 illustrates an exemplary system architecture 500 of a hardware wallet-based payment method or a hardware wallet-based payment device to which embodiments of the invention may be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 is used as a medium to provide communication links between the terminal devices 501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 505 via the network 504 using the terminal devices 501, 502, 503 to receive or send messages or the like. Various communication client applications, such as shopping applications, internet of things device control applications, voice interaction applications, etc. (examples only) may be installed on the terminal devices 501, 502, 503.
The terminal devices 501, 502, 503 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (by way of example only) providing support for shopping-type websites browsed by users using the terminal devices 501, 502, 503. The background management server can carry out ordering on products selected by a user according to the received data such as the payment request and the like by a voice interaction instruction of the user, prompts the user to pay by voice, and activates the near field communication module; in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; and sending a payment instruction to the hardware wallet through a near field communication connection to perform data interaction with the hardware wallet to finish payment and other processing, and feeding back a processing result (such as a payment result-only an example) to the terminal device.
It should be noted that, the payment method based on the hardware wallet provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the payment device based on the hardware wallet is generally disposed in the server 505.
It should be understood that the number of terminal devices, networks and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention. The terminal device or server shown in fig. 6 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 601.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described units or modules may also be provided in a processor, for example, as: a processor includes a payment alert module, a communication connection establishment module, and a payment interaction execution module. Wherein the names of these units or modules do not constitute a limitation of the unit or module itself in some cases, for example, the payment interaction execution module may also be described as "a module for sending payment instructions to the hardware wallet via a near field communication connection to interact data with the hardware wallet to complete payment".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: according to the voice interaction instruction of the user, ordering the product selected by the user, prompting the user to pay through voice, and activating the near field communication module; in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; and sending a payment instruction to the hardware wallet through a near field communication connection to interact data with the hardware wallet to complete payment.
According to the technical scheme of the embodiment of the invention, the product selected by the user is ordered according to the voice interaction instruction of the user, the user is prompted to pay through voice, and the near field communication module is activated; in response to detecting the hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; through near field communication connection, send the payment instruction to the hardware wallet to carry out the technical scheme of data interaction with the hardware wallet and accomplish the payment, select the product back through the smart machine that has the voice assistant function, voice assistant suggestion user authorized the payment, the user is close to intelligent hardware device with establishing near field communication connection through the hardware wallet, accomplish the payment, realized the online payment based on voice interaction and hardware wallet, avoided the loaded down with trivial details flow that needs to pay after arriving goods, improved payment security and convenience.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (17)
1. A method of payment based on a hardware wallet, comprising:
according to the voice interaction instruction of the user, ordering the product selected by the user, prompting the user to pay through voice, and activating the near field communication module;
in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module;
and sending a payment instruction to the hardware wallet through a near field communication connection to interact data with the hardware wallet to complete payment.
2. The method of claim 1, further comprising, prior to establishing a near field communication connection with the hardware wallet via the near field communication module:
and acquiring payment authorization information of the hardware wallet.
3. The method of claim 2, wherein the payment authorization information is generated by a user performing payment authorization by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
4. The method of claim 1, wherein the near field communication module is an NFC communication module or a bluetooth communication module.
5. The method of claim 1, wherein data interaction with the hardware wallet to complete payment comprises:
and deducting money from the hardware wallet according to payment information sent by the hardware wallet to finish payment, wherein the payment information is generated according to the payment instruction.
6. The method of claim 5, wherein debiting from the hardware wallet comprises:
and generating a payment request according to the payment information and sending the payment request to an application background so that the application background forwards the payment request to a currency operation mechanism, and deducting money from the hardware wallet.
7. The method of claim 6, wherein the payment instruction comprises a payment amount, the payment information comprises a payment amount and a payment wallet identification, and the payment request comprises a payment amount, a payment wallet identification, and a collection wallet identification.
8. The method as recited in claim 1, further comprising:
in response to receiving the payment success information, the user is prompted by voice for a payment success.
9. A hardware wallet-based payment device, comprising:
the payment reminding module is used for ordering the product selected by the user according to the voice interaction instruction of the user, reminding the user of payment through voice, and activating the near field communication module;
the communication connection establishment module is used for responding to the detection of the hardware wallet and establishing near field communication connection with the hardware wallet through the near field communication module;
and the payment interaction execution module is used for sending a payment instruction to the hardware wallet through near field communication connection so as to carry out data interaction with the hardware wallet to complete payment.
10. A hardware wallet-based payment system, comprising:
the payment device based on the hardware wallet is used for ordering products selected by a user according to voice interaction instructions of the user, prompting the user to pay through voice, and activating the near field communication module; in response to detecting a hardware wallet, establishing a near field communication connection with the hardware wallet through the near field communication module; sending a payment instruction to the hardware wallet through near field communication connection to perform data interaction with the hardware wallet to complete payment;
A hardware wallet for establishing a near field communication connection with the hardware wallet based payment device; and receiving a payment instruction sent by the payment device based on the hardware wallet through a near field so as to interact data with the payment device based on the hardware wallet to complete payment.
11. The system of claim 10, wherein the hardware wallet is further configured to: performing payment authorization according to the operation of the user, and generating payment authorization information;
the hardware wallet based payment device is further configured to: and acquiring payment authorization information of the hardware wallet before establishing near field communication connection with the hardware wallet through the near field communication module.
12. The system of claim 11, wherein the payment authorization information is generated by a user performing payment authorization by: the manner in which the physical buttons of the hardware wallet are operated, the manner in which a fingerprint or a payment password is entered, or the manner in which a small amount of encryption is pre-opened.
13. The system of claim 10, further comprising an application background and a money handling mechanism,
the hardware wallet is further configured to: generating payment information according to the payment instruction, and sending the payment information to the payment device based on the hardware wallet;
The hardware wallet based payment device is further configured to: generating a payment request according to the payment information sent by the hardware wallet and sending the payment request to the application background;
the application background is used for: forwarding the payment request to the money handling mechanism;
the money handling mechanism is configured to: and deducting money from the hardware wallet according to the payment request.
14. The system of claim 13, wherein the payment instruction comprises a payment amount, the payment information comprises a payment amount and a payment wallet identification, and the payment request comprises a payment amount, a payment wallet identification, and a collection wallet identification;
the money handling mechanism includes a payee handling mechanism and a payer handling mechanism, and,
the application background is further configured to: determining a payee operation mechanism according to the payee wallet identification, and forwarding the payment request to the payee operation mechanism; receiving payment success information sent by the payee operation mechanism;
the payee operating mechanism is used for: receiving the payment request, and determining a payer operation mechanism according to the payment wallet identification; if the payer operation mechanism is the same as the payee operation mechanism, deducting money from a payment wallet according to the payment wallet identification and the payment amount, and generating a deduction success response; if the payer operation mechanism is different from the payee operation mechanism, forwarding the payment request to an interconnection platform so that the interconnection platform forwards the payment request to the payer operation mechanism; transferring the payment amount to a money receiving wallet according to the payment successful response, and sending payment successful information to the application background;
The payer operator is configured to: and receiving the payment request, deducting money from the payment wallet according to the payment wallet identification and the payment amount, and returning a successful deduction response to the interconnection platform so that the interconnection platform sends the successful deduction response to the payee operation mechanism.
15. The system of claim 13, wherein the application background is further configured to: sending the payment success information to the hardware wallet-based payment device;
the hardware wallet based payment device is further configured to: and receiving the payment success information, and prompting the user that the payment is successful through voice.
16. A hardware wallet-based payment electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-7.
17. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-7.
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| CN202210289529.4A CN116843332A (en) | 2022-03-23 | 2022-03-23 | Payment method and device based on hardware wallet |
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| CN202210289529.4A CN116843332A (en) | 2022-03-23 | 2022-03-23 | Payment method and device based on hardware wallet |
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