TW202018624A

TW202018624A - Mobile payment method and device and electronic device

Info

Publication number: TW202018624A
Application number: TW108128749A
Authority: TW
Inventors: 張鴻; 姜鑽鋒; 萬旭陽; 尹歡密; 覃瑤
Original assignee: 香港商阿里巴巴集團服務有限公司
Priority date: 2018-11-09
Filing date: 2019-08-13
Publication date: 2020-05-16
Also published as: WO2020093812A1; CN110009328A

Abstract

The embodiment of the invention provides a mobile payment method and device and an electronic device. The method comprises: a micro-control unit identifying collection equipment supporting range-limited communication through an alternating magnetic field module, through the alternating magnetic field, transmitting equipment information and 2.4 G communication link parameters of the collection equipment; a micro-control unit setting the 2.4 G communication module based on the 2.4 G communication link parameters, so that the 2.4 G communication module establishes a 2.4 G communication link with the collection equipment; the micro-control unit receives a transaction timestamp sent by the collection device based on the 2.4 G communication link; the micro-control unit generating a payment code according to the equipment information, the code factor and the transaction timestamp based on a payment code generation algorithm in the security chip; and the micro-control unit sending the payment code to the collection equipment through the 2.4 G communication link, so that the collection equipment completes the payment transaction corresponding to the payment code through the reverse code scanning payment link.

Description

Mobile payment method and device and electronic equipment

本說明書實施例涉及支付技術領域，尤其涉及一種行動支付方法及裝置和電子設備。The embodiments of the present specification relate to the field of payment technology, and in particular, to a mobile payment method and device, and electronic equipment.

在行動支付中，應用最廣泛的是掃碼支付；用戶透過掃描商家收款碼實現行動支付。然而，掃碼支付方式存在效率低的問題，即用戶需要拿出手機，打開支付應用，開啟掃碼功能，對準收款二維碼進行掃描等多個步驟；耗時較長，不利用一些瞬時或者短時支付場景的要求。需要提供一種適用於瞬時或者短時支付需求的行動支付方案。In mobile payment, the most widely used is code scanning payment; users scan mobile payment codes to realize mobile payment. However, the scan code payment method has a problem of low efficiency, that is, the user needs to take out the mobile phone, open the payment application, open the scan code function, and scan the QR code of the payment collection. It takes a long time and does not use some Requirement for instant or short-term payment scenarios. There is a need to provide a mobile payment solution suitable for instant or short-term payment needs.

本說明書實施例提供的一種行動支付方法及裝置和電子設備：根據本說明書實施例的第一方面，提供一種行動支付系統，所述系統包括行動終端和收款設備；其中，所述行動終端具有限域通信模組，所述限域通信模組具體包括2.4G通信模組、交變磁場模組和微控制單元，所述微控制單元內的安全晶片儲存有付款碼產生演算法以及碼因子；所述交變磁場模組用於識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；所述2.4G通信模組用於與所述收款設備建立2.4G通信鏈路；所述微控制單元用於透過所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；並基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；所述微控制單元還用於透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。根據本說明書實施例的第二方面，提供一種行動支付方法，所述方法應用於行動終端，所述行動終端整合有限域通信模組，所述限域通信模組包含2.4G通信模組、交變磁場模組、付款碼產生模組和微控制單元，所述微控制單元內的安全晶片儲存有付款碼產生演算法以及支付應用提供的碼因子，所述方法包括：所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；所述微控制單元基於所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；所述微控制單元基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。根據本說明書實施例的第三方面，提供一種行動支付裝置，所述裝置應用於行動終端，所述行動終端整合有限域通信模組，所述限域通信模組包含2.4G通信模組、交變磁場模組、付款碼產生模組和微控制單元，所述微控制單元內的安全晶片儲存有付款碼產生演算法以及支付應用提供的碼因子，所述裝置包括：識別單元，所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；建立單元，所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；接收單元，所述微控制單元基於所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；產生單元，所述微控制單元基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；發送單元，所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。根據本說明書實施例的第四方面，提供一種電子設備，包括：處理器；用於儲存處理器可執行指令的記憶體；其中，所述處理器被配置為上述任一項所述的行動支付方法。本說明書實施例，提供了一種行動支付方案，行動設備可以基於RCC模組與支援RCC的收款設備實現RCC通信，所述行動設備最終可以將付款方透過RCC通信的方式傳輸給收款設備，實現付款。一方面，由於RCC通信效率較高，可以縮短每筆支付的響應時間；另一方面，用戶只需要將行動終端貼近收款設備即可，無需向掃碼支付那樣進行很多操作；所以採用本說明書提供的實施例可以快速完成行動支付，大大降低了支付時長，提升了支付效率；再一方面，由於RCC模組運行不受行動終端影響，只要行動終端供電就可以透過RCC模組中安全晶片產生付款碼，因此即使在行動終端關閉螢幕狀態下依然可以實現RCC通信的行動支付。A mobile payment method, device and electronic device provided by the embodiments of the present specification: According to a first aspect of the embodiments of the present specification, a mobile payment system is provided, the system includes a mobile terminal and a payment collection device; wherein the mobile terminal has a restricted domain communication module, and the restricted domain communication module specifically includes 2.4 G communication module, alternating magnetic field module and micro control unit, the security chip in the micro control unit stores the payment code generation algorithm and code factor; The alternating magnetic field module is used to identify the device information and 2.4G communication link parameters of the payment device transmitted by the payment device supporting limited-area communication through the alternating magnetic field; The 2.4G communication module is used to establish a 2.4G communication link with the payment collection device; The micro control unit is used to receive the transaction time stamp sent by the collection device through the 2.4G communication link; and generate a payment based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip code; The micro control unit is also used to send the payment code to the payment device through the 2.4G communication link, so that the payment device completes the corresponding payment code through the anti-scanning code payment link Payment transaction. According to a second aspect of the embodiments of the present specification, a mobile payment method is provided. The method is applied to a mobile terminal. The mobile terminal integrates a limited domain communication module. The limited domain communication module includes a 2.4G communication module A variable magnetic field module, a payment code generation module, and a micro control unit. The security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application. The method includes: Based on the alternating magnetic field module, the micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-area communication through the alternating magnetic field; The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device; The micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; The micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link. According to a third aspect of the embodiments of this specification, a mobile payment device is provided. The device is applied to a mobile terminal. The mobile terminal integrates a limited domain communication module. The limited domain communication module includes a 2.4G communication module A variable magnetic field module, a payment code generation module and a micro control unit. The security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application. The device includes: An identification unit, based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted through the alternating magnetic field by the payment receiving device supporting limited-area communication; Establishing unit, the micro control unit setting the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device ; A receiving unit, the micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; A generating unit, the micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; A sending unit, the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction. According to a fourth aspect of the embodiments of the present specification, an electronic device is provided, including: processor; Memory for storing processor executable instructions; Wherein, the processor is configured as any of the mobile payment methods described above. The embodiment of the present specification provides a mobile payment solution. The mobile device can implement RCC communication with the RCC-supported payment device based on the RCC module. The mobile device can finally transmit the payer to the payment device through RCC communication. Make payment. On the one hand, due to the high efficiency of RCC communication, the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used The provided embodiments can quickly complete mobile payment, which greatly reduces the payment time and improves the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, it can pass through the security chip in the RCC module The payment code is generated so that mobile payment for RCC communication can be realized even when the mobile terminal is turned off.

這裡將詳細地對示例性實施例進行說明，其示例表示在圖式中。下面的描述涉及圖式時，除非另有表示，不同圖式中的相同數字表示相同或相似的要素。以下示例性實施例中所描述的實施方式並不代表與本說明書相一致的所有實施方式。相反，它們僅是與如所附申請專利範圍中所詳述的、本說明書的一些方面相一致的裝置和方法的例子。在本說明書使用的術語是僅僅出於描述特定實施例的目的，而非旨在限制本說明書。在本說明書和所附申請專利範圍中所使用的單數形式的“一種”、“所述”和“該”也旨在包括多數形式，除非上下文清楚地表示其他含義。還應當理解，本文中使用的術語“和/或”是指並包含一個或多個相關聯的列出項目的任何或所有可能組合。應當理解，儘管在本說明書可能採用術語第一、第二、第三等來描述各種資訊，但這些資訊不應限於這些術語。這些術語僅用來將同一類型的資訊彼此區分開。例如，在不脫離本說明書範圍的情況下，第一資訊也可以被稱為第二資訊，類似地，第二資訊也可以被稱為第一資訊。取決於語境，如在此所使用的詞語“如果”可以被解釋成為“在……時”或“當……時”或“響應於確定”。本說明書中所述的瞬時或者短時是相對於整個支付流程所需時長而言的，通常可以將時長小於臨限值的稱為瞬時或者短時，例如將支付時長在5秒內的支付稱之為瞬時支付或者短時支付。以下以行動支付應用在公共交通工具為例舉例說明瞬時或者短時支付場景。在搭乘公車時，乘客需要支付公車乘坐費，然而由於搭乘的乘客數量較多，並且公車司機需要專注開車，掃碼支付方式並不適用。為此，相關技術中推出了NFC(Near Field Communication，近場通信)支付或者反掃碼支付技術。所述反掃碼支付技術與掃碼支付相反，掃碼支付是由收款方提供二維碼，由付款方掃描；而反掃碼支付是由付款方出示二維碼，由收款方掃描。其中，反掃碼支付一般需要收款方配備一個掃碼終端。使用時，付款方可以將行動終端上顯示的付款二維碼靠近掃碼終端，供掃碼終端自動掃碼；支付金額同樣由掃碼終端設置。如圖1所示為本說明書提供的一種行動支付系統的架構示意圖，所述系統可以包括行動終端10和收款設備20；其中，所述行動終端10具有限域通信(Range Controlled Communication，RCC)模組11，所述RCC模組11具體可以包括藍牙通信(Bluetooth Low Energy，BLE)模組114、2.4G通信模組112、交變磁場模組113和微控制單元(Microcontroller Unit，MCU)111；所述交變磁場模組113用於識別支援限域通信的收款設備20透過交變磁場所傳遞的該收款設備20的設備資訊和2.4G通信鏈路參數；所述2.4G通信模組112用於與所述收款設備20建立2.4G通信鏈路；所述藍牙通信模組114用於與所述行動終端10建立藍牙通信鏈路；所述微控制單元111用於將所述設備資訊20基於所述藍牙通信鏈路傳遞給所述行動終端10上安裝的支付應用；並將所述支付應用根據所述設備資訊產生的付款碼透過所述2.4G通信鏈路發送給所述收款設備20，以使所述收款設備20透過反掃碼支付鏈路完成所述付款碼對應的支付交易。如圖1所示，系統還可以包括支付營運伺服器30，用於接收並處理收款設備20在反掃碼付款碼後發起的收款交易請求。具體地，所述收款設備20與支付營運伺服器30之間可以建立有反掃碼支付鏈路，用於執行收款設備20的收款交易請求。其中，所述行動終端10可以包括智慧型手機、智慧型手錶、智慧型手環等行動設備。其中，在不同場景下所述收款設備20的名稱可能存在差異，例如，在購物場所，所收款設備20可以是指POS (Pointofsales)機；在公車上，所述收款設備20可以是指智慧型公車刷卡機；在地鐵場景下，所述收款設備20可以是地鐵閘機(也稱翼閘)；總之，不管什麼場景，只要是用於收款的機器、裝置等均可以稱為收款設備。其中，所述限域通信是一種採用2.4G(有的也稱2.45G)結合交變磁場實現資料通信的技術。所述RCC與前述NFC不同之處至少可以包括： 1、通信頻段不同。NFC的通信頻段為13.56MHz；而RCC的頻段為2.4G。所述2.4G是一種統稱，其通信頻段一般處於2.400GHz-2.4835GHz之間，有的還包括2.45GHZ。 2、通信距離不同。NFC的通信距離通常在10公分以內；而RCC可以實現近距離10公分以內、中距離50公分以內、遠距離10公尺左右等多個通信距離區間的控制。 3、通信頻寬不同。NFC通信頻寬為106K-848K之間；而RCC在1M-8M之間，是NFC的10倍；因此，RCC的響應時間遠遠小於NFC。值得一提的是，RCC可以應用在手機SIM(Subscriber Identification Module)卡上，製成RCC-SIM卡，行動終端插入RCC-SIM卡後就可以具備RCC通信能力。類似的，也可以應用在SD卡(Secure Digital Memory Card，安全數位儲存卡)，製成RCC-SD卡，行動終端插入RCC-SD卡後就可以具備RCC通信能力。在一種實現方式中：前述限域通信模組可以是指RCC-SUM卡，即行動終端插有RCC-SUM卡，這樣行動終端就可以具備RCC通信能力。在另一種實現方式中：前述限域通信模組可以是指單獨具有RCC功能的硬體模組，該硬體模組可以整合在行動終端的主機板上，以使行動終端可以具備RCC通信能力。類似的，收款設備想要具有RCC能力也需要具備RCC模組；當然由於收款設備不需要具備行動終端所具備的所有通信能力，因此可以不具有藍牙模組。綜上，行動設備可以基於RCC模組與支援RCC的收款設備實現RCC通信，所述行動設備最終可以將付款方透過RCC通信的方式傳輸給收款設備，實現付款。一方面，由於RCC通信效率較高，可以縮短每筆支付的響應時間；另一方面，用戶只需要將行動終端貼近收款設備即可，無需向掃碼支付那樣進行很多操作；所以採用本說明書提供的實施例可以快速完成行動支付，大大降低了支付時長，提升了支付效率。以下請參考圖2所示的本說明書提供的一種行動支付方法的流程示意圖，所述方法應用於行動終端，所述行動終端整合限域通信模組，所述限域通信模組包含藍牙通信模組、2.4G通信模組、交變磁場模組和微控制單元，所述方法包括：步驟210：所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數。步驟220：所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；步驟230：所述微控制單元基於所述藍牙通信模組與所述行動終端之間建立的藍牙通信鏈路將所述設備資訊傳遞給所述行動終端上安裝的支付應用，以使所述支付應用根據所述設備資訊產生付款碼；步驟240：所述微控制單元基於所述藍牙通信模組接收所述支付應用透過所述藍牙通信鏈路返回的付款碼；步驟250：所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。如前所述，限域通信可以是指一種採用2.4G(有的也稱2.45G)結合交變磁場實現資料通信的技術。以下結合一個完整的行動支付交易過程加以說明。在用戶需要進行行動支付時，可以將持有的行動終端(該行動終端整合RCC模組)靠近一個支援RCC交易的收款設備。其中，所述收款設備持續透過交變磁場發送自身的設備資訊和2.4G通信鏈路參數。所述設備資訊可以包括收款設備編號(通常該編號具有唯一性，一個編號對應唯一的一個設備)和/或收款設備所在的位置，所述位置可以為當前城市，再具體地可以定位到經緯度。當行動終端距離收款設備足夠近時，行動終端上RCC模組的MCU就可以基於交變磁場模組識別所述收款設備發送的設備資訊和2.4G通信鏈路參數。此時一方面的，MCU可以按照這個2.4G通信鏈路參數設置2.4G通信模組；由於這個2.4G通信鏈路參數是收款設備約定的建立2.4G通信鏈路的參數，因此當2.4G通信模組同樣設置了2.4G通信鏈路參數後，就可以建立起與收款設備之間的2.4G通信鏈路。另一方面的，MCU可以基於所述藍牙通信模組與所述行動終端之間建立藍牙通信鏈路，並將所述設備資訊傳遞給所述行動終端上安裝的支付應用，以使所述支付應用根據所述設備資訊產生付款碼；以及所述MCU可以基於所述藍牙通信模組接收所述支付應用透過所述藍牙通信鏈路返回的付款碼。其中，所述支付應用根據所述設備資訊產生付款碼，具體可以包括：基於付款碼產生演算法，根據設備資訊、碼因子和交易時間戳記，產生付款碼。所述交易時間戳記通常可以是指產生付款碼時的當前時間戳記，由支付應用提供。在MCU接收到付款碼後，就可以基於之前建立並保持的2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。所述反掃碼支付鏈路如圖1所示，是收款設備與支付營運伺服器之間建立的鏈路，用於執行收款設備的收款交易請求。收款設備在接收到付款碼後，可以掃描付款碼獲取付款方帳戶資訊，在添加待收款的金額等資訊後組裝成收款請求，並將該收款請求基於反掃碼支付鏈路發送給支付營運伺服器，由支付營運伺服器根據收款請求中的消息完成交易，例如確定付款方帳戶、收款方帳戶以及收款金額的情況下，從付款方帳戶中扣取所述收款金額的資金，並將扣取的資金注入收款方帳戶。以下例舉適用本說明書行動支付方案的應用場景。可以應用在公共交通的場景：所述付款方可以包括公共交通乘坐碼。具體地：乘公車時，公車乘車碼；乘地鐵時，地鐵乘車碼；乘輕軌時，輕軌乘車碼；乘高鐵、動車等火車時的乘車碼。還可以應用在日常購物的場景：例如商店購物的付款，無人售賣機的付款(無人售票機、抓娃娃機、食品飲料機、自助拍照機等)。請注意上述應用場景僅是例舉的幾個示例，並非限定了只能在上述應用場景實施；應該理解的是所有行動支付的應用場景均可以實施本說明書提供的行動支付方案。本說明書提供的行動支付方案，行動設備可以基於RCC模組與支援RCC的收款設備實現RCC通信，所述行動設備最終可以將付款方透過RCC通信的方式傳輸給收款設備，實現付款。一方面，由於RCC通信效率較高，可以縮短每筆支付的響應時間；另一方面，用戶只需要將行動終端貼近收款設備即可，無需向掃碼支付那樣進行很多操作；所以採用本說明書提供的實施例可以快速完成行動支付，大大降低了支付時長，提升了支付效率。上述實施例實現過程中由於需要支付應用介入產生付款碼，因此在支付過程中行動終端內的支付應用需要始終開啟。一般情況下，行動終端的操作系統內可以設置支付應用權限，例如保持支付應用在關閉螢幕狀態下依然在後臺運行，或者支付應用自啟動等；如此用戶可以在關閉螢幕狀態下實現RCC通信的行動支付。然而，在實際應用中，用戶可能並沒有設置支付應用權限；或者某些安全軟體會限制支付應用自啟動、自動關閉後臺運行的支付應用等都會導致行動終端關閉螢幕狀態下無法進行行動支付。為此，本說明書還提供了另一種行動支付方案，以解決行動終端關閉螢幕狀態下順利進行行動支付。如圖3所示為本說明書提供的一種行動支付系統的架構示意圖，所述系統包括行動終端60和收款設備70；其中，所述行動終端60具有限域通信模組61，所述限域通信模組61具體包括2.4G通信模組612、交變磁場模組613和微控制單元611，所述微控制單元611內的安全晶片(Secure Element，SE)614儲存有付款碼產生演算法以及支付應用提供的碼因子；所述交變磁場模組613用於識別支援限域通信的收款設備70透過交變磁場所傳遞的該收款設備70的設備資訊和2.4G通信鏈路參數；所述2.4G通信模組612用於與所述收款設備70建立2.4G通信鏈路；所述微控制單元611用於透過所述2.4G通信鏈路接收所述收款設備70發送的交易時間戳記；並基於安全晶片614內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；所述微控制單元611還用於透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備70，以使所述收款設備70透過反掃碼支付鏈路完成所述付款碼對應的支付交易。如圖3所示，系統還可以包括支付營運伺服器80，用於接收並處理收款設備80在反掃碼付款碼後發起的收款交易請求。具體地，所述收款設備70與支付營運伺服器80之間可以建立有反掃碼支付鏈路，用於執行收款設備80的收款交易請求。其中，所述行動終端60可以包括智慧型手機、智慧型手錶、智慧型手環等行動設備。其中，在不同場景下所述收款設備70的名稱可能存在差異，例如，在購物場所，所收款設備70可以是指POS機；在公車上，所述收款設備70可以是指智慧型公車刷卡機；在地鐵場景下，所述收款設備70可以是地鐵閘機(也稱翼閘)；總之，不管什麼場景，只要是用於收款的機器、裝置等均可以稱為收款設備。本實施例中RCC技術與前述實施例相同，此不不再進行贅述。本實施例中行動設備可以基於RCC模組與支援RCC的收款設備實現RCC通信，所述行動設備最終可以將付款方透過RCC通信的方式傳輸給收款設備，實現付款。一方面，由於RCC通信效率較高，可以縮短每筆支付的響應時間；另一方面，用戶只需要將行動終端貼近收款設備即可，無需向掃碼支付那樣進行很多操作；所以採用本說明書提供的實施例可以快速完成行動支付，大大降低了支付時長，提升了支付效率；再一方面，由於RCC模組運行不受行動終端影響，只要行動終端供電就可以透過RCC模組中安全晶片產生付款碼，因此即使在行動終端關閉螢幕狀態下依然可以實現RCC通信的行動支付。以下請參考圖4所示的本說明書提供的一種行動支付方法的流程示意圖，所述方法應用於行動終端，所述行動終端整合有限域通信模組，所述限域通信模組包含2.4G通信模組、交變磁場模組、付款碼產生模組和微控制單元，所述微控制單元內的安全晶片儲存有付款碼產生演算法以及支付應用提供的碼因子，所述方法包括：步驟310：所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；步驟320：所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；步驟330：所述微控制單元基於所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；步驟340：所述微控制單元基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；步驟350：所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。如前所述，限域通信可以是指一種採用2.4G(有的也稱2.45G)結合交變磁場實現資料通信的技術。以下同樣結合一個完整的行動支付交易過程加以說明。在用戶需要進行行動支付時，可以將持有的行動終端(該行動終端整合RCC模組)靠近一個支援RCC交易的收款設備。其中，所述收款設備持續透過交變磁場發送自身的設備資訊和2.4G通信鏈路參數。所述設備資訊可以包括收款設備編號(通常該編號具有唯一性，一個編號對應唯一的一個設備)和/或收款設備所在的位置，所述位置可以為當前城市，再具體地可以定位到經緯度。當行動終端距離收款設備足夠近時，行動終端上RCC模組的MCU就可以基於交變磁場模組識別所述收款設備發送的設備資訊和2.4G通信鏈路參數。此時，MCU可以按照這個2.4G通信鏈路參數設置2.4G通信模組；由於這個2.4G通信鏈路參數是收款設備約定的建立2.4G通信鏈路的參數，因此當2.4G通信模組同樣設置了2.4G通信鏈路參數後，就可以建立起與收款設備之間的2.4G通信鏈路。在建立了2.4G通信鏈路後，收款設備可以基於所述2.4G通信鏈路發送交易時間戳記；所述交易時間戳記可以是指收款設備發送時的時間戳記。請注意與圖2實施例不同的是，本實施例的交易時間戳記由收款設備提供。原因是由於本實施例中支付應用不參與付款碼產生，而交易時間戳記卻又是必不可少的，因此轉由收款設備提供交易時間戳記。然後，MCU在基於2.4G通信鏈路接收到交易時間戳記之後，可以基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼。需要說明的是，碼因子的時效分為永久有效和長久有效。不管是哪一種，都需要行動終端中安裝的支付應用提供，具體地：所述碼因子透過藍牙通信鏈路由行動終端中安裝的支付應用傳入。為此，RCC模組中還需要設置藍牙通信模組(圖3中未示出)；並且該藍牙通信模組可以與行動終端建立藍牙通信鏈路，並基於該藍牙通信鏈路接收支付應用傳遞的碼因子。其中，對於長久有效的碼因子，終會有失效的情況，對於這類碼因子；每當支付應用開啟後，支付應用都可以透過藍牙通信鏈路將最新的碼因子傳遞給RCC模組中的SE，以更新SE中儲存的碼因子。在SE產生付款碼之後，MCU就可以基於之前建立並保持的2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。所述反掃碼支付鏈路如圖3所示，是收款設備與支付營運伺服器之間建立的鏈路，用於執行收款設備的收款交易請求。收款設備在接收到付款碼後，可以掃描付款碼獲取付款方帳戶資訊，在添加待收款的金額等資訊後組裝成收款請求，並將該收款請求基於反掃碼支付鏈路發送給支付營運伺服器，由支付營運伺服器根據收款請求中的消息完成交易，例如確定付款方帳戶、收款方帳戶以及收款金額的情況下，從付款方帳戶中扣取所述收款金額的資金，並將扣取的資金注入收款方帳戶。以下例舉適用本說明書行動支付方案的應用場景。可以應用在公共交通的場景：所述付款方可以包括公共交通乘坐碼。具體地：乘公車時，公車乘車碼；乘地鐵時，地鐵乘車碼；乘輕軌時，輕軌乘車碼；乘高鐵、動車等火車時的乘車碼。還可以應用在日常購物的場景：例如商店購物的付款，無人售賣機的付款(無人售票機、抓娃娃機、食品飲料機、自助拍照機等)。請注意上述應用場景僅是例舉的幾個示例，並非限定了只能在上述應用場景實施；應該理解的是所有行動支付的應用場景均可以實施本說明書提供的行動支付方案。本實施例中行動設備可以基於RCC模組與支援RCC的收款設備實現RCC通信，所述行動設備最終可以將付款方透過RCC通信的方式傳輸給收款設備，實現付款。一方面，由於RCC通信效率較高，可以縮短每筆支付的響應時間；另一方面，用戶只需要將行動終端貼近收款設備即可，無需向掃碼支付那樣進行很多操作；所以採用本說明書提供的實施例可以快速完成行動支付，大大降低了支付時長，提升了支付效率；再一方面，由於RCC模組運行不受行動終端影響，只要行動終端供電就可以透過RCC模組中安全晶片產生付款碼，因此即使在行動終端關閉螢幕狀態下依然可以實現RCC通信的行動支付。與前述圖2所示行動支付方法實施例相對應，本說明書還提供了行動支付裝置的實施例。所述裝置實施例可以透過軟體實現，也可以透過硬體或者軟硬體結合的方式實現。以軟體實現為例，作為一個邏輯意義上的裝置，是透過其所在設備的處理器將非揮發性記憶體中對應的電腦業務程式指令讀取到記憶體中運行形成的。從硬體層面而言，如圖5所示，為本說明書行動支付裝置所在設備的一種硬體結構圖，除了圖5所示的處理器、網路介面、記憶體以及非揮發性記憶體之外，實施例中裝置所在的設備通常根據行動支付實際功能，還可以包括其他硬體，對此不再贅述。請參見圖6，為本說明書一實施例提供的行動支付裝置的模組圖，所述裝置對應了圖2所示實施例，所述裝置應用於行動終端，所述行動終端整合有限域通信模組，所述限域通信模組包含藍牙通信模組、2.4G通信模組、交變磁場模組和微控制單元，所述裝置包括：識別單元410，所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；建立單元420，所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；傳遞單元430，所述微控制單元基於所述藍牙通信模組與所述行動終端之間建立的藍牙通信鏈路將所述設備資訊傳遞給所述行動終端上安裝的支付應用，以使所述支付應用根據所述設備資訊產生付款碼；接收單元440，所述微控制單元基於所述藍牙通信模組接收所述支付應用透過所述藍牙通信鏈路返回的付款碼；發送單元450，所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。可選的，所述設備資訊包括所述收款設備的位置和/或收款設備編號。可選的，所述位置包括所在城市。可選的，所述付款碼包括公共交通乘坐碼。可選的，所述公共交通包括公車、地鐵、輕軌、高鐵中的至少一種。與前述圖4所示行動支付方法實施例相對應，本說明書還提供了行動支付裝置的實施例。所述裝置實施例可以透過軟體實現，也可以透過硬體或者軟硬體結合的方式實現。以軟體實現為例，作為一個邏輯意義上的裝置，是透過其所在設備的處理器將非揮發性記憶體中對應的電腦業務程式指令讀取到記憶體中運行形成的。從硬體層面而言，如圖7所示，為本說明書行動支付裝置所在設備的一種硬體結構圖，除了圖7所示的處理器、網路介面、記憶體以及非揮發性記憶體之外，實施例中裝置所在的設備通常根據行動支付實際功能，還可以包括其他硬體，對此不再贅述。請參見圖8，為本說明書一實施例提供的行動支付裝置的模組圖，所述裝置對應了圖4所示實施例，所述裝置應用於行動終端，所述行動終端整合有限域通信模組，所述限域通信模組包含2.4G通信模組、交變磁場模組、付款碼產生模組和微控制單元，所述微控制單元內的安全晶片儲存有付款碼產生演算法以及支付應用提供的碼因子，所述裝置包括：識別單元510，所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；建立單元520，所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；接收單元530，所述微控制單元基於所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；產生單元540，所述微控制單元基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；發送單元550，所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。可選的，所述碼因子透過藍牙通信鏈路由行動終端中安裝的支付應用傳入。可選的，所述設備資訊包括所述收款設備的位置和/或收款設備編號。可選的，所述位置包括所在城市。可選的，所述付款碼包括公共交通乘坐碼。可選的，所述公共交通包括公車、地鐵、輕軌、高鐵中的至少一種。上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦，電腦的具體形式可以是個人電腦、膝上型電腦、蜂巢式電話、相機電話、智慧型電話、個人數位助理、媒體播放器、導航設備、電子郵件收發設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任意幾種設備的組合。上述裝置中各個單元的功能和作用的實現過程具體詳見上述方法中對應步驟的實現過程，在此不再贅述。對於裝置實施例而言，由於其基本對應於方法實施例，所以相關之處參見方法實施例的部分說明即可。以上所描述的裝置實施例僅僅是示意性的，其中所述作為分離部件說明的單元可以是或者也可以不是物理上分開的，作為單元顯示的部件可以是或者也可以不是物理單元，即可以位於一個地方，或者也可以分佈到多個網路單元上。可以根據實際的需要選擇其中的部分或者全部模組來實現本說明書方案的目的。本領域普通技術人員在不付出創造性勞動的情況下，即可以理解並實施。以上圖6描述了行動支付裝置的內部功能模組和結構示意，其實質上的執行主體可以為一種電子設備，包括：處理器；用於儲存處理器可執行指令的記憶體；其中，所述處理器被配置為：所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；所述微控制單元基於所述藍牙通信模組與所述行動終端之間建立的藍牙通信鏈路將所述設備資訊傳遞給所述行動終端上安裝的支付應用，以使所述支付應用根據所述設備資訊產生付款碼；所述微控制單元基於所述藍牙通信模組接收所述支付應用透過所述藍牙通信鏈路返回的付款碼；所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。可選的，所述設備資訊包括所述收款設備的位置和/或收款設備編號。可選的，所述位置包括所在城市。可選的，所述付款碼包括公共交通乘坐碼。可選的，所述公共交通包括公車、地鐵、輕軌、高鐵中的至少一種。以上圖8描述了行動支付裝置的內部功能模組和結構示意，其實質上的執行主體可以為一種電子設備，包括：處理器；用於儲存處理器可執行指令的記憶體；其中，所述處理器被配置為：所述微控制單元基於所述交變磁場模組識別支援限域通信的收款設備透過交變磁場所傳遞的該收款設備的設備資訊和2.4G通信鏈路參數；所述微控制單元基於所述2.4G通信鏈路參數設置所述2.4G通信模組，以使所述2.4G通信模組建立與所述收款設備之間的2.4G通信鏈路；所述微控制單元基於所述2.4G通信鏈路接收所述收款設備發送的交易時間戳記；所述微控制單元基於安全晶片內的付款碼產生演算法根據設備資訊、碼因子和交易時間戳記產生付款碼；所述微控制單元透過所述2.4G通信鏈路將所述付款碼發送給所述收款設備，以使所述收款設備透過反掃碼支付鏈路完成所述付款碼對應的支付交易。可選的，所述碼因子透過藍牙通信鏈路由行動終端中安裝的支付應用傳入。可選的，所述設備資訊包括所述收款設備的位置和/或收款設備編號。可選的，所述位置包括所在城市。可選的，所述付款碼包括公共交通乘坐碼。可選的，所述公共交通包括公車、地鐵、輕軌、高鐵中的至少一種。在上述電子設備的實施例中，應理解，該處理器可以是中央處理單元(英文：Central Processing Unit，簡稱：CPU)，還可以是其他通用處理器、數位信號處理器(英文：Digital Signal Processor，簡稱：DSP)、特殊應用積體電路(英文：Application Specific Integrated Circuit，簡稱：ASIC)等。通用處理器可以是微處理器或者該處理器也可以是任何常規的處理器等，而前述的記憶體可以是唯讀記憶體(英文：read-only memory，縮寫：ROM)、隨機存取記憶體(英文：random access memory，簡稱：RAM)、快閃記憶體、硬碟或者固態硬碟。結合本發明實施例所公開的方法的步驟可以直接體現為硬體處理器執行完成，或者用處理器中的硬體及軟體模組組合執行完成。本說明書中的各個實施例均採用遞進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於電子設備實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。本領域技術人員在考慮說明書及實踐這裡公開的發明後，將容易想到本說明書的其它實施方案。本說明書旨在涵蓋本說明書的任何變型、用途或者適應性變化，這些變型、用途或者適應性變化遵循本說明書的一般性原理並包括本說明書未公開的本技術領域中的公知常識或慣用技術手段。說明書和實施例僅被視為示例性的，本說明書的真正範圍和精神由下面的申請專利範圍指出。應當理解的是，本說明書並不局限於上面已經描述並在圖式中示出的精確結構，並且可以在不脫離其範圍進行各種修改和改變。本說明書的範圍僅由所附的申請專利範圍來限制。Exemplary embodiments will be described in detail here, examples of which are shown in the drawings. When the following description refers to drawings, unless otherwise indicated, the same numerals in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this specification. Rather, they are merely examples of devices and methods consistent with some aspects of this specification as detailed in the scope of the attached patent applications. The terminology used in this specification is for the purpose of describing particular embodiments only, and is not intended to limit this specification. The singular forms "a", "said" and "the" used in this specification and the appended patent applications are also intended to include most forms unless the context clearly indicates other meanings. It should also be understood that the term "and/or" as used herein refers to and includes any or all possible combinations of one or more associated listed items. It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of this specification, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to a determination". The instant or short time described in this specification is relative to the time required for the entire payment process. Generally, the time that is less than the threshold can be referred to as the instant or short time, for example, the payment time is within 5 seconds The payment is called instant payment or short-term payment. The following uses the mobile payment application in public transportation as an example to illustrate instant or short-term payment scenarios. When taking a bus, passengers need to pay the bus ride fee. However, due to the large number of passengers and the bus driver needs to focus on driving, the scan code payment method is not applicable. For this reason, NFC (Near Field Communication) payment or anti-scan code payment technology has been introduced in related technologies. The reverse scan code payment technology is the opposite of scan code payment. Scan code payment is a QR code provided by the payee and scanned by the payer; while scan code payment is a QR code produced by the payer and scanned by the payee . Among them, anti-scanning code payment generally requires the payee to be equipped with a scanning terminal. When in use, the payer can move the payment QR code displayed on the mobile terminal close to the code scanning terminal for the code scanning terminal to automatically scan the code; the payment amount is also set by the code scanning terminal. As shown in FIG. 1, it is a schematic structural diagram of a mobile payment system provided by the present specification. The system may include a mobile terminal 10 and a payment collection device 20; wherein, the mobile terminal 10 has Range Controlled Communication (RCC) Module 11, the RCC module 11 may specifically include a Bluetooth low energy (BLE) module 114, a 2.4G communication module 112, an alternating magnetic field module 113, and a microcontroller unit (MCU) 111 ; The alternating magnetic field module 113 is used to identify the device information and 2.4G communication link parameters of the payment device 20 transmitted by the payment device 20 supporting limited-area communication through the alternating magnetic field; The 2.4G communication module 112 is used to establish a 2.4G communication link with the payment collection device 20; The Bluetooth communication module 114 is used to establish a Bluetooth communication link with the mobile terminal 10; The micro control unit 111 is used to transfer the device information 20 to the payment application installed on the mobile terminal 10 based on the Bluetooth communication link; and pass the payment code generated by the payment application according to the device information through The 2.4G communication link is sent to the collection device 20, so that the collection device 20 completes the payment transaction corresponding to the payment code through the anti-scanning code payment link. As shown in FIG. 1, the system may further include a payment operation server 30 for receiving and processing the payment transaction request initiated by the collection device 20 after the anti-scanning payment code. Specifically, an anti-scanning payment link may be established between the payment collection device 20 and the payment operation server 30 for executing the payment transaction request of the payment collection device 20. Wherein, the mobile terminal 10 may include a smart phone, a smart watch, a smart bracelet and other mobile devices. The name of the collection device 20 may be different in different scenarios. For example, in a shopping place, the collection device 20 may refer to a POS (Point of sales) machine; on a bus, the collection device 20 may be Refers to a smart bus card swipe machine; in a subway scenario, the collection device 20 can be a subway gate (also called a wing gate); in short, no matter what the scenario, as long as it is a machine, device, etc. used for collection, it can be called Receiving equipment. Among them, the limited-area communication is a technology that uses 2.4G (some are also called 2.45G) combined with an alternating magnetic field to realize data communication. The difference between the RCC and the foregoing NFC may include at least: 1. Different communication frequency bands. The communication frequency band of NFC is 13.56MHz; and the frequency band of RCC is 2.4G. The 2.4G is a general term, and its communication frequency band is generally between 2.400GHz and 2.4835GHz, and some include 2.45GHZ. 2. The communication distance is different. The communication distance of NFC is usually within 10 centimeters; and RCC can realize the control of multiple communication distance sections within 10 centimeters at close range, within 50 centimeters at medium distance, and about 10 meters at long distance. 3. The communication bandwidth is different. NFC communication bandwidth is between 106K-848K; and RCC is between 1M-8M, which is 10 times that of NFC; therefore, the response time of RCC is much shorter than NFC. It is worth mentioning that RCC can be applied to the SIM (Subscriber Identification Module) card of the mobile phone to make an RCC-SIM card, and the mobile terminal can have RCC communication capabilities after being inserted into the RCC-SIM card. Similarly, it can also be applied to an SD card (Secure Digital Memory Card) to make an RCC-SD card, and the mobile terminal can have RCC communication capabilities after being inserted into the RCC-SD card. In an implementation manner: the aforementioned limited-domain communication module may refer to an RCC-SUM card, that is, an RCC-SUM card is inserted into the mobile terminal, so that the mobile terminal can have RCC communication capabilities. In another implementation manner: the aforementioned restricted communication module may refer to a hardware module with RCC function alone, the hardware module may be integrated on the motherboard of the mobile terminal, so that the mobile terminal can have RCC communication capabilities . Similarly, the payment device needs to have an RCC module if it wants to have RCC capability; of course, because the payment device does not need to have all the communication capabilities of a mobile terminal, it may not have a Bluetooth module. In summary, the mobile device can realize RCC communication with the RCC-supporting payment device based on the RCC module. The mobile device can finally transmit the payer to the payment device through RCC communication to realize payment. On the one hand, due to the high efficiency of RCC communication, the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used The provided embodiment can quickly complete the mobile payment, which greatly reduces the payment time and improves the payment efficiency. In the following, please refer to the schematic flow chart of a mobile payment method provided in this specification shown in FIG. 2, the method is applied to a mobile terminal, and the mobile terminal integrates a restricted communication module, and the restricted communication module includes a Bluetooth communication module Group, 2.4G communication module, alternating magnetic field module and micro control unit, the method includes: Step 210: Based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted by the payment receiving device supporting limited-area communication through the alternating magnetic field. Step 220: The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device ; Step 230: The micro control unit transfers the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal to enable the payment The application generates a payment code based on the device information; Step 240: The micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module; Step 250: The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction. As mentioned above, limited-area communication can refer to a technology that uses 2.4G (some are also called 2.45G) combined with alternating magnetic fields to achieve data communication. The following is a description of a complete mobile payment transaction process. When the user needs to make a mobile payment, the user can hold the mobile terminal (the mobile terminal integrates an RCC module) close to a collection device that supports RCC transactions. Among them, the collection device continuously sends its own device information and 2.4G communication link parameters through an alternating magnetic field. The device information may include a collection device number (usually the number is unique, a number corresponds to a unique device) and/or a location of the collection device, the location may be the current city, and may be specifically located Latitude and longitude. When the mobile terminal is sufficiently close to the payment device, the MCU of the RCC module on the mobile terminal can identify the device information and 2.4G communication link parameters sent by the payment device based on the alternating magnetic field module. On the one hand, the MCU can set the 2.4G communication module according to the 2.4G communication link parameter; since the 2.4G communication link parameter is the parameter established by the collection device to establish the 2.4G communication link, the 2.4G communication link After the communication module also sets the 2.4G communication link parameters, the 2.4G communication link with the payment device can be established. On the other hand, the MCU may establish a Bluetooth communication link between the Bluetooth communication module and the mobile terminal, and pass the device information to the payment application installed on the mobile terminal to enable the payment The application generates a payment code based on the device information; and the MCU may receive the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module. Wherein, the payment application generates a payment code according to the device information, which may specifically include: Based on the payment code generation algorithm, the payment code is generated based on the device information, code factor and transaction time stamp. The transaction time stamp may generally refer to the current time stamp when the payment code is generated, provided by the payment application. After receiving the payment code, the MCU can send the payment code to the collection device based on the previously established and maintained 2.4G communication link, so that the collection device can complete the transaction through the anti-scanning code payment link The payment transaction corresponding to the payment code. The anti-scanning payment link, as shown in FIG. 1, is a link established between the payment collection device and the payment operation server, and is used to execute a payment transaction request of the payment collection device. After receiving the payment code, the collection device can scan the payment code to obtain the account information of the payer, add the information such as the amount to be collected, and assemble a collection request, and send the collection request based on the anti-scanning code payment link To the payment operation server, the payment operation server completes the transaction according to the message in the payment request, for example, in the case of determining the payer account, the payee account and the amount of the payment, the payment is deducted from the payer account Amount of funds, and inject the deducted funds into the recipient's account. The following are examples of application scenarios that apply to the mobile payment solution of this manual. Can be applied in public transportation scenarios: The payer may include a public transportation ride code. Specifically: when taking a bus, the bus code; when taking the subway, the subway code; when taking the light rail, the light rail code; when taking the high-speed rail, train and other trains. It can also be used in daily shopping scenarios: For example, payment for shopping in stores, payment for unmanned vending machines (unmanned ticket vending machines, doll machine, food and beverage machine, self-service camera, etc.). Please note that the above application scenarios are only a few examples, and are not limited to be implemented in the above application scenarios; it should be understood that all mobile payment application scenarios can implement the mobile payment solution provided in this specification. In the mobile payment solution provided in this specification, the mobile device can implement RCC communication with the RCC-supported collection device based on the RCC module, and the mobile device can finally transmit the payer to the collection device through RCC communication to realize payment. On the one hand, due to the high efficiency of RCC communication, the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used The provided embodiment can quickly complete the mobile payment, which greatly reduces the payment time and improves the payment efficiency. Since the payment application is required to intervene to generate the payment code during the implementation of the foregoing embodiment, the payment application in the mobile terminal needs to be always open during the payment process. In general, payment application permissions can be set in the operating system of the mobile terminal, such as keeping the payment application running in the background when the screen is turned off, or the payment application self-starting, etc.; so that the user can implement RCC communication actions when the screen is turned off Pay. However, in actual applications, the user may not set the permission to pay the application; or some security software may restrict the self-starting of the payment application and automatically close the payment application running in the background, etc., which will cause the mobile terminal to be unable to perform mobile payment when the screen is closed. For this reason, this manual also provides another mobile payment solution to solve the problem of smoothly performing mobile payment when the mobile terminal is turned off. 3 is a schematic structural diagram of a mobile payment system provided by the present specification. The system includes a mobile terminal 60 and a collection device 70; wherein, the mobile terminal 60 has a restricted domain communication module 61, and the restricted domain The communication module 61 specifically includes a 2.4G communication module 612, an alternating magnetic field module 613, and a micro control unit 611. The security element (Secure Element, SE) 614 in the micro control unit 611 stores a payment code generation algorithm and The code factor provided by the payment application; The alternating magnetic field module 613 is used to identify the device information and 2.4G communication link parameters of the payment device 70 transmitted by the payment device 70 supporting limited-area communication through the alternating magnetic field; The 2.4G communication module 612 is used to establish a 2.4G communication link with the payment collection device 70; The micro control unit 611 is used to receive the transaction timestamp sent by the collection device 70 through the 2.4G communication link; and generate an algorithm based on the payment code in the security chip 614 according to the device information, code factor and transaction time The stamp generates the payment code; The micro control unit 611 is also used to send the payment code to the payment device 70 through the 2.4G communication link, so that the payment device 70 completes the payment through the anti-scanning code payment link Payment transaction corresponding to the code. As shown in FIG. 3, the system may further include a payment operation server 80 for receiving and processing the payment transaction request initiated by the payment collection device 80 after the anti-scanning payment code. Specifically, an anti-scanning payment link may be established between the payment collection device 70 and the payment operation server 80 for executing the payment transaction request of the payment collection device 80. The mobile terminal 60 may include mobile devices such as smart phones, smart watches, and smart bracelets. Among them, the name of the collection device 70 may be different in different scenarios. For example, in a shopping place, the collection device 70 may refer to a POS machine; on a bus, the collection device 70 may refer to a smart type Bus credit card machine; in a subway scenario, the collection device 70 can be a subway brake (also known as a wing brake); in short, no matter what scenario, as long as the machine, device, etc. used for collection can be called collection equipment. The RCC technology in this embodiment is the same as that in the foregoing embodiment, and details will not be repeated here. In this embodiment, the mobile device may implement RCC communication with the RCC-supporting payment device based on the RCC module. The mobile device may eventually transmit the payer to the payment device through RCC communication to realize payment. On the one hand, due to the high efficiency of RCC communication, the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the payment collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used The provided embodiments can quickly complete mobile payment, which greatly reduces the payment time and improves the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, it can pass through the security chip in the RCC module The payment code is generated so that mobile payment for RCC communication can be realized even when the mobile terminal is turned off. In the following, please refer to the flow diagram of a mobile payment method provided in this specification shown in FIG. 4, the method is applied to a mobile terminal, the mobile terminal integrates a limited domain communication module, and the limited domain communication module includes 2.4G communication A module, an alternating magnetic field module, a payment code generation module, and a micro control unit. The security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application. The method includes: Step 310: Based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment device transmitted by the payment device supporting limited-area communication through the alternating magnetic field; Step 320: The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device ; Step 330: The micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; Step 340: The micro control unit generates a payment code based on device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; Step 350: The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction. As mentioned above, limited-area communication can refer to a technology that uses 2.4G (some are also called 2.45G) combined with alternating magnetic fields to achieve data communication. The following is also explained in conjunction with a complete mobile payment transaction process. When the user needs to make a mobile payment, the user can hold the mobile terminal (the mobile terminal integrates an RCC module) close to a collection device that supports RCC transactions. Among them, the collection device continuously sends its own device information and 2.4G communication link parameters through an alternating magnetic field. The device information may include a collection device number (usually the number is unique, a number corresponds to a unique device) and/or a location of the collection device, the location may be the current city, and may be specifically located Latitude and longitude. When the mobile terminal is sufficiently close to the payment device, the MCU of the RCC module on the mobile terminal can identify the device information and 2.4G communication link parameters sent by the payment device based on the alternating magnetic field module. At this time, the MCU can set the 2.4G communication module according to the 2.4G communication link parameter; since the 2.4G communication link parameter is the parameter for establishing the 2.4G communication link agreed by the collection device, the 2.4G communication module After setting the parameters of the 2.4G communication link, the 2.4G communication link with the payment device can be established. After the 2.4G communication link is established, the payment collection device may send a transaction time stamp based on the 2.4G communication link; the transaction time stamp may refer to the time stamp when the payment collection device sends it. Please note that unlike the embodiment in FIG. 2, the transaction time stamp in this embodiment is provided by the payment collection device. The reason is that in this embodiment, the payment application does not participate in the generation of the payment code, but the transaction time stamp is indispensable, so the transaction time stamp is provided by the collection device. Then, after receiving the transaction time stamp based on the 2.4G communication link, the MCU can generate a payment code based on the device information, code factor, and transaction time stamp based on the payment code generation algorithm in the security chip. It should be noted that the aging of the code factor is divided into permanent validity and long-term effectiveness. Either way, it needs to be provided by the payment application installed in the mobile terminal, specifically: The code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link. To this end, a Bluetooth communication module (not shown in FIG. 3) needs to be set in the RCC module; and the Bluetooth communication module can establish a Bluetooth communication link with the mobile terminal and receive payment application delivery based on the Bluetooth communication link Code factor. Among them, the long-term effective code factor will eventually be invalid. For this type of code factor; whenever the payment application is opened, the payment application can pass the latest code factor to the RCC module through the Bluetooth communication link. SE to update the code factor stored in SE. After the SE generates the payment code, the MCU can send the payment code to the payment device based on the previously established and maintained 2.4G communication link, so that the payment device can complete the transaction through the anti-scanning code payment link The payment transaction corresponding to the payment code. The anti-scanning payment link, as shown in FIG. 3, is a link established between the payment collection device and the payment operation server, and is used to execute the payment transaction request of the payment collection device. After receiving the payment code, the collection device can scan the payment code to obtain the account information of the payer, add the information such as the amount to be collected, and assemble a collection request, and send the collection request based on the anti-scanning code payment link To the payment operation server, the payment operation server completes the transaction according to the message in the payment request, for example, in the case of determining the payer account, the payee account and the amount of the payment, the payment is deducted from the payer account Amount of funds, and inject the deducted funds into the recipient's account. The following are examples of application scenarios that apply to the mobile payment solution of this manual. Can be applied in public transportation scenarios: The payer may include a public transportation ride code. Specifically: when taking a bus, the bus code; when taking the subway, the subway code; when taking the light rail, the light rail code; when taking the high-speed rail, train and other trains. It can also be used in daily shopping scenarios: For example, payment for shopping in stores, payment for unmanned vending machines (unmanned ticket vending machines, baby grab machines, food and beverage machines, self-service camera machines, etc.). Please note that the above application scenarios are only a few examples, and are not limited to be implemented in the above application scenarios; it should be understood that all mobile payment application scenarios can implement the mobile payment solution provided in this specification. In this embodiment, the mobile device may implement RCC communication with the RCC-supporting payment device based on the RCC module. The mobile device may eventually transmit the payer to the payment device through RCC communication to realize payment. On the one hand, due to the high efficiency of RCC communication, the response time of each payment can be shortened; on the other hand, the user only needs to bring the mobile terminal close to the collection device, and does not need to perform many operations like scanning the code; therefore, this manual is used The provided embodiments can quickly complete mobile payment, which greatly reduces the payment time and improves the payment efficiency; on the other hand, since the operation of the RCC module is not affected by the mobile terminal, as long as the mobile terminal is powered, it can pass through the security chip in the RCC module The payment code is generated so that mobile payment for RCC communication can be realized even when the mobile terminal is turned off. Corresponding to the foregoing embodiment of the mobile payment method shown in FIG. 2, this specification also provides an embodiment of the mobile payment device. The device embodiments may be implemented by software, or by hardware or a combination of hardware and software. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer business program instructions in the non-volatile memory into the memory through the processor of the device where it is located. From the hardware level, as shown in Figure 5, this is a hardware structure diagram of the device where the mobile payment device is located, except for the processor, network interface, memory and non-volatile memory shown in Figure 5 In addition, the device where the device is located in the embodiment usually pays for the actual function according to the action, and may also include other hardware, which will not be repeated here. Please refer to FIG. 6, which is a module diagram of a mobile payment device according to an embodiment of the present specification. The device corresponds to the embodiment shown in FIG. 2. The device is applied to a mobile terminal. The mobile terminal integrates a limited domain communication module Group, the restricted communication module includes a Bluetooth communication module, a 2.4G communication module, an alternating magnetic field module and a micro control unit. The device includes: An identification unit 410, based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment device transmitted by the payment device supporting limited-area communication through the alternating magnetic field based on the alternating magnetic field module; Establishing unit 420, the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device road; Transfer unit 430, the micro control unit transfers the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal, so that the The payment application generates a payment code based on the device information; A receiving unit 440, the micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module; Sending unit 450, the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code correspondence through the anti-scanning code payment link Payment transaction. Optionally, the device information includes the location of the payment collection device and/or the collection device number. Optionally, the location includes the city. Optionally, the payment code includes a public transportation ride code. Optionally, the public transportation includes at least one of bus, subway, light rail, and high-speed rail. Corresponding to the foregoing embodiment of the mobile payment method shown in FIG. 4, this specification also provides an embodiment of the mobile payment device. The device embodiments may be implemented by software, or by hardware or a combination of hardware and software. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer business program instructions in the non-volatile memory into the memory through the processor of the device where it is located. From the hardware level, as shown in Figure 7, it is a hardware structure diagram of the device where the mobile payment device is located in this specification, except for the processor, network interface, memory and non-volatile memory shown in Figure 7 In addition, the device where the device is located in the embodiment usually pays for the actual function according to the action, and may also include other hardware, which will not be repeated here. Please refer to FIG. 8, which is a module diagram of a mobile payment device according to an embodiment of the present specification. The device corresponds to the embodiment shown in FIG. 4. The device is applied to a mobile terminal. The mobile terminal integrates a limited-domain communication module. Group, the restricted communication module includes a 2.4G communication module, an alternating magnetic field module, a payment code generation module and a micro control unit, the security chip in the micro control unit stores a payment code generation algorithm and payment Applying the provided code factor, the device includes: Recognition unit 510, based on the alternating magnetic field module, the micro-control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device supporting limited-area communication through the alternating magnetic field; Establishment unit 520, the micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device road; A receiving unit 530, the micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; Generating unit 540, the micro control unit generates a payment code based on device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; Sending unit 550, the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code correspondence through the anti-scanning code payment link Payment transaction. Optionally, the code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link. Optionally, the device information includes the location of the payment collection device and/or the collection device number. Optionally, the location includes the city. Optionally, the payment code includes a public transportation ride code. Optionally, the public transportation includes at least one of bus, subway, light rail, and high-speed rail. The system, device, module or unit explained in the above embodiments may be implemented by a computer chip or entity, or by a product with a certain function. A typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game A console, tablet, wearable device, or any combination of these devices. For the implementation process of the functions and functions of the units in the above device, please refer to the implementation process of the corresponding steps in the above method for details, which will not be repeated here. As for the device embodiments, since they basically correspond to the method embodiments, the relevant parts can be referred to the description of the method embodiments. The device embodiments described above are only schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located One place, or it can be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement without paying creative labor. The above FIG. 6 describes the internal functional modules and structural schematics of the mobile payment device, and its actual execution subject may be an electronic device, including: processor; Memory for storing processor executable instructions; Wherein, the processor is configured to: Based on the alternating magnetic field module, the micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-area communication through the alternating magnetic field; The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device; The micro control unit transmits the device information to the payment application installed on the mobile terminal based on the Bluetooth communication link established between the Bluetooth communication module and the mobile terminal, so that the payment application The payment information described in the equipment information; The micro control unit receives the payment code returned by the payment application through the Bluetooth communication link based on the Bluetooth communication module; The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link. Optionally, the device information includes the location of the payment collection device and/or the collection device number. Optionally, the location includes the city. Optionally, the payment code includes a public transportation ride code. Optionally, the public transportation includes at least one of bus, subway, light rail, and high-speed rail. The above FIG. 8 describes the internal functional modules and structural schematics of the mobile payment device, and its actual execution subject may be an electronic device, including: processor; Memory for storing processor executable instructions; Wherein, the processor is configured to: Based on the alternating magnetic field module, the micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-area communication through the alternating magnetic field; The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device; The micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; The micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link. Optionally, the code factor is passed in by the payment application installed in the mobile terminal through the Bluetooth communication link. Optionally, the device information includes the location of the payment collection device and/or the collection device number. Optionally, the location includes the city. Optionally, the payment code includes a public transportation ride code. Optionally, the public transportation includes at least one of bus, subway, light rail, and high-speed rail. In the above embodiments of the electronic device, it should be understood that the processor may be a Central Processing Unit (English: Central Processing Unit, abbreviated as: CPU), or other general-purpose processors, digital signal processors (English: Digital Signal Processor) , Referred to as: DSP), special application integrated circuit (English: Application Specific Integrated Circuit, referred to as: ASIC), etc. The general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc., and the aforementioned memory may be a read-only memory (English: read-only memory, abbreviation: ROM), random access memory Body (English: random access memory, RAM for short), flash memory, hard drive or solid state drive. The steps of the method disclosed in conjunction with the embodiments of the present invention may be directly embodied and executed by a hardware processor, or executed and completed by a combination of hardware and software modules in the processor. The embodiments in this specification are described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the embodiment of the electronic device, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method embodiment. After considering the description and practicing the invention disclosed herein, those skilled in the art will easily think of other embodiments of the description. This specification is intended to cover any variations, uses, or adaptations of this specification. These variations, uses, or adaptations follow the general principles of this specification and include common general knowledge or customary technical means in the technical field not disclosed in this specification. . The description and examples are only to be regarded as exemplary, and the true scope and spirit of this description are indicated by the following patent application. It should be understood that this specification is not limited to the precise structure that has been described above and shown in the drawings, and that various modifications and changes can be made without departing from the scope thereof. The scope of this specification is limited only by the scope of the attached patent application.

10:行動終端 20:收款設備 30:支付營運伺服器 11:有限域通信模組 111:微控制單元 112:2.4G通信模組 113:交變磁場模組 114:藍牙通信模組 60:行動終端 70:收款設備 80:支付營運伺服器 61:有限域通信模組 611:微控制單元 612:2.4G通信模組 613:交變磁場模組 614:安全晶片 310、320、330、340、350:步驟 410:識別單元 420:建立單元 430:傳遞單元 440:接收單元 450:發送單元 510:識別單元 520:建立單元 530:接收單元 540:產生單元 550:發送單元10: mobile terminal 20: Collection equipment 30: Payment operation server 11: Limited domain communication module 111: Micro Control Unit 112:2.4G communication module 113: Alternating magnetic field module 114: Bluetooth communication module 60: mobile terminal 70: collection equipment 80: payment operation server 61: Limited domain communication module 611: Micro Control Unit 612: 2.4G communication module 613: Alternating magnetic field module 614: Security chip 310, 320, 330, 340, 350: steps 410: Identification unit 420: Building unit 430: Transfer unit 440: receiving unit 450: sending unit 510: Identification unit 520: Establish unit 530: receiving unit 540: Generating unit 550: sending unit

圖1是本說明書一實施例提供的行動支付系統的架構示意圖；圖2是本說明書一實施例提供的行動支付方法的流程圖；圖3是本說明書一實施例提供的行動支付系統的架構示意圖；圖4是本說明書一實施例提供的行動支付方法的流程圖；圖5是本說明書一實施例提供的行動支付裝置的硬體結構圖；圖6是本說明書一實施例提供的行動支付裝置的模組示意圖；圖7是本說明書一實施例提供的行動支付裝置的硬體結構圖；圖8是本說明書一實施例提供的行動支付裝置的模組示意圖。1 is a schematic structural diagram of a mobile payment system provided by an embodiment of this specification; 2 is a flowchart of a mobile payment method provided by an embodiment of this specification; 3 is a schematic structural diagram of a mobile payment system provided by an embodiment of this specification; 4 is a flowchart of a mobile payment method provided by an embodiment of this specification; 5 is a hardware structure diagram of a mobile payment device provided by an embodiment of this specification; 6 is a schematic diagram of a module of a mobile payment device provided by an embodiment of this specification; 7 is a hardware structure diagram of a mobile payment device provided by an embodiment of this specification; 8 is a schematic diagram of a module of a mobile payment device according to an embodiment of the present specification.

10:行動終端 10: mobile terminal

11:有限域通信模組 11: Limited domain communication module

20:收款設備 20: Collection equipment

30:支付營運伺服器 30: Payment operation server

111:微控制單元 111: Micro Control Unit

112:2.4G通信模組 112:2.4G communication module

113:交變磁場模組 113: Alternating magnetic field module

114:藍牙通信模組 114: Bluetooth communication module

Claims

A mobile payment system, the system includes a mobile terminal and a collection device; wherein, the mobile terminal has a limited-domain communication module, and the limited-domain communication module specifically includes a 2.4G communication module, an alternating magnetic field module and Micro control unit, the security chip in the micro control unit stores the payment code generation algorithm and code factor; The alternating magnetic field module is used to identify the device information and 2.4G communication link parameters of the payment device transmitted by the payment device supporting limited-area communication through the alternating magnetic field; The 2.4G communication module is used to establish a 2.4G communication link with the payment collection device; The micro control unit is used to receive the transaction time stamp sent by the collection device through the 2.4G communication link; and generate a payment based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip code; The micro control unit is also used to send the payment code to the payment device through the 2.4G communication link, so that the payment device completes the corresponding payment code through the anti-scanning code payment link Payment transaction.

A mobile payment method, the method is applied to a mobile terminal, the mobile terminal integrates a limited domain communication module, the limited domain communication module includes a 2.4G communication module, an alternating magnetic field module, a payment code generation module and A micro control unit. The security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application. The method includes: Based on the alternating magnetic field module, the micro control unit recognizes the device information and 2.4G communication link parameters of the payment device transmitted by the payment device that supports limited-area communication through the alternating magnetic field; The micro control unit sets the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device; The micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; The micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; The micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment transaction corresponding to the payment code through the anti-scanning code payment link.

According to the method described in item 2 of the patent application scope, the code factor is passed in from the payment application installed in the mobile terminal through the Bluetooth communication link.

According to the method described in item 2 of the patent application scope, the device information includes the location of the payment collection device and/or the collection device number.

According to the method described in item 4 of the patent application scope, the location includes the city where it is located.

According to the method described in item 2 of the patent application scope, the payment code includes a public transportation ride code.

According to the method described in Item 6 of the patent application scope, the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.

A mobile payment device, the device is applied to a mobile terminal, the mobile terminal integrates a limited domain communication module, the limited domain communication module includes a 2.4G communication module, an alternating magnetic field module, a payment code generation module and A micro control unit. The security chip in the micro control unit stores a payment code generation algorithm and a code factor provided by a payment application. The device includes: An identification unit, based on the alternating magnetic field module, the micro control unit identifies the device information and 2.4G communication link parameters of the payment receiving device transmitted through the alternating magnetic field by the payment receiving device supporting limited-area communication; Establishing unit, the micro control unit setting the 2.4G communication module based on the 2.4G communication link parameter, so that the 2.4G communication module establishes a 2.4G communication link with the payment collection device ; A receiving unit, the micro control unit receives the transaction time stamp sent by the payment collection device based on the 2.4G communication link; A generating unit, the micro control unit generates a payment code based on the device information, code factor and transaction time stamp based on the payment code generation algorithm in the security chip; A sending unit, the micro control unit sends the payment code to the payment device through the 2.4G communication link, so that the payment device completes the payment code corresponding to the payment code through the reverse scan code payment link Payment transaction.

According to the device described in item 8 of the patent application scope, the code factor is passed in from the payment application installed in the mobile terminal through the Bluetooth communication link.

According to the device described in item 8 of the patent application scope, the device information includes the location of the payment collection device and/or the collection device number.

According to the device described in item 10 of the patent application scope, the location includes the city where it is located.

According to the device described in item 8 of the patent application scope, the payment code includes a public transportation ride code.

According to the device described in item 12 of the patent application scope, the public transportation includes at least one of a bus, a subway, a light rail, and a high-speed rail.

An electronic device, including: processor; Memory for storing processor executable instructions; Wherein, the processor is configured as the method described in any one of items 2 to 7 of the above patent application.