為了使本技術領域的人員更好地理解本發明中的技術方案，下面將結合本發明實施例中的圖式，對本發明實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本發明一部分實施例，而不是全部的實施例。基於本發明中的實施例，本領域普通技術人員在沒有作出創造性勞動前提下所獲得的所有其他實施例，都應當屬於本發明保護的範圍。
本發明實施例提供了一種行動支付方法、裝置及支付系統，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
圖1為本發明實施例提供的行動支付系統的應用場景示意圖，如圖1所示，該支付系統包括：收款設備、雲端伺服器、行動終端，其中，該行動終端可以是智慧型手機、平板電腦等，該收款設備可以是輻射磁場感應信號的設備，雲端伺服器與收款設備和行動終端均通信連接，首先，雲端伺服器按照預設時間間隔向行動終端發送動態密碼；行動終端接收到動態密碼後，在其所在網路廣播該動態密碼；收款設備在接收到該動態密碼後，產生相應的支付請求，並將該該支付請求上報至雲端伺服器；雲端伺服器接收到該支付請求後，向與該動態密碼對應的行動終端發送支付確認請求；行動終端接收到該支付確認請求後，顯示對應的商家資訊和支付資訊，待消費者確認無誤後，將行動終端貼近收款設備，此時行動終端將檢測到收款設備向外輻射的磁場感應信號，向雲端伺服器發送產生的扣款請求；雲端伺服器接收到該扣款請求後，在該行動終端對應的目標帳號中進行扣款，從而完成本次線下行動支付。
圖2為本發明一實施例提供的行動支付方法的流程示意圖，圖2中的方法能夠由圖1中的收款設備執行，如圖2所示，該方法至少包括以下步驟：
S201，獲取至少一個行動終端廣播的動態密碼；其中，該動態密碼包括：隨機字元串或密鑰，例如，隨機字元串可以是隨機Token串，該隨機Token串具有隨機性強、不可預測的特點，具體的，動態密碼可以是雲端伺服器按照預設時間間隔產生並下發至行動終端的，還可以是行動終端基於預設演算法隨機產生的。
S202，在獲取的至少一個動態密碼中，確定目標動態密碼；其中，當獲取到的動態密碼的數量為一個時，將該動態密碼確定為目標動態密碼；當獲取到的動態密碼的數量為多個時，即收款設備預設範圍內存在多個廣播動態密碼的行動終端，此時需要按照預設規則在多個動態密碼中選取目標動態密碼。
S203，根據確定出的目標動態密碼，產生支付請求；其中，該支付請求中攜帶有目標動態密碼，以使雲端伺服器根據該目標動態密碼確定對應的目標行動終端。
S204，將產生的支付請求上傳至雲端伺服器，以使雲端伺服器向與目標動態密碼對應的目標行動終端發送支付確認請求；其中，該支付確認請求中可以攜帶商家資訊和支付資訊等資訊，以便消費者針對商家資訊和支付資訊等資訊進行確認，並且在消費者確認無誤後，將目標行動終端貼近收款設備，其中，該支付資訊可以是待支付的總金額，還可以是待支付的收款明細。
S205，在預設範圍內發送扣款觸發信號，以使目標行動終端針對支付確認請求並在檢測到扣款觸發信號後向雲端伺服器發送扣款請求；具體的，收款設備自動向外發射扣款觸發信號，當行動終端貼近該收款設備後，行動終端將檢測到該扣款觸發信號，以觸發行動終端向雲端伺服器發送扣款請求，雲端伺服器接收到該扣款請求後，在該行動終端對應的目標帳號中進行扣款，進而完成線下行動支付。
本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
具體的，如圖3所示，給出了行動支付方法中多終端之間資訊交互的過程，具體為：
S301，行動終端向收款設備廣播動態密碼；
S302，收款設備在接收到的至少一個動態密碼中，確定目標動態密碼；
S303，收款設備根據確定出的目標動態密碼，產生支付請求；
S304，收款設備將產生的支付請求上傳至雲端伺服器；
S305，雲端伺服器向與目標動態密碼對應的行動終端發送支付確認請求；
S306，收款設備向外發射扣款觸發信號；
S307，行動終端在檢測到扣款觸發信號後產生扣款請求；
S308，行動終端向雲端伺服器發送產生的扣款請求；
S309，雲端伺服器在接收到扣款請求後在對應的目標帳號中進行扣款。
其中，針對利用磁場感應觸發行動終端發送扣款請求的情況，具體的，在收款設備中設置電磁線圈，該電磁線圈通電後產生磁場感應信號，並向外輻射該磁場感應信號；
具體的，考慮到收款設備的周邊可能存在多個行動終端，為了避免出現誤觸發的情況，只有行動終端與收款設備之間的距離小於預設距離時，才觸發行動終端產生並發送扣款請求，如圖4所示，上述S205在預設範圍內發送扣款觸發信號，以使目標行動終端針對支付確認請求並在檢測到扣款觸發信號後向雲端伺服器發送扣款請求，具體包括：
S2051，向外輻射產生的磁場感應信號，以使目標行動終端在檢測到磁場感應信號且其磁場強度大於預設強度閾值後向雲端伺服器發送扣款請求；
其中，上述預設強度閾值是根據磁場感應信號在距收款設備預設距離產生的磁場強度確定的。
具體的，由於行動終端距離收款設備越近，行動終端接收到的磁場感應信號的磁場強度越強，如果預設強度閾值等於距收款設備預設距離處的磁場強度，則當行動終端與收款設備之間的距離小於預設距離時，行動終端檢測到的磁場強度將大於預設強度閾值，因此，在確定是否產生扣款請求時，引入磁場強度這一參考因素，即行動終端不僅檢測到磁場感應信號，同時還需要保證磁場感應信號的磁場強度大於預設強度閾值，行動終端才觸發產生扣款請求。也就是說，只有消費者針對支付確認資訊進行確認無誤後，將行動終端貼近收款設備，此時由於行動終端與收款設備之間距離小於預設距離，行動終端檢測到的磁場感應信號的磁場強度大於預設強度閾值，行動終端才觸發產生扣款請求，這樣能夠避免出現誤觸發非支付的行動終端產生扣款請求的情況。
進一步的，又考慮到收款設備所處環境中可能存在其他磁場感應信號，導致行動終端接收到的磁場感應信號可能並不是收款設備發出的，而是周邊的干擾磁場信號，為了避免因周邊干擾磁場信號而出現誤觸發的情況，基於此，上述S2051向外輻射產生的磁場感應信號，具體包括：
步驟一，產生具有指定特徵參數的磁場感應信號，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
步驟二，向外輻射具有指定特徵參數的磁場感應信號，以使目標行動終端確定檢測到的磁場感應信號來自於收款設備後向雲端伺服器發送扣款請求。
具體的，可以通過控制電磁線圈所通過的電流的大小和/或頻率，進而控制收款設備向外輻射的磁場感應信號的特徵參數為指定特徵參數，以使收款設備向外輻射的磁場感應信號的特徵參數區別於周圍的其他干擾磁場信號的磁場感應信號，這樣行動終端檢測到磁場感應信號後，判斷該磁場感應信號的特徵參數與指定特徵參數是否一致，只有確定一致的情況下，才產生扣款請求。也就是說，在確定是否產生扣款請求時，又引入磁場感應信號的特徵參數這一參考因素，即行動終端不僅檢測到磁場感應信號且磁場感應信號的磁場強度大於預設強度閾值，以及該磁場感應信號具有指定特徵參數，行動終端才觸發產生扣款請求，進而避免因周邊干擾磁場信號而出現誤觸發的情況。
進一步的，考慮到針對某一收款設備，可能接收到的動態密碼的數量為多個，此時，並不是直接將所有動態密碼上傳至雲端伺服器，而是按照預設規則在多個動態密碼中選取目標動態密碼，以使雲端伺服器根據該目標動態密碼唯一確定當前需要進行支付的行動終端，基於此，如圖5所示，上述S201獲取至少一個行動終端廣播的動態密碼，具體包括：
S2011，接收多個行動終端廣播的多個動態密碼，即收款設備預設範圍內存在多個廣播各自的動態密碼的行動終端；
對應的，上述S202在獲取的至少一個動態密碼中，確定目標動態密碼，具體包括：
S2021，根據接收到的各動態密碼的傳輸參數，選取與收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，其中，該傳輸參數為信號強度或信號傳輸時長。
其中，針對傳輸參數為信號強度的情況，對應的，上述S2021根據接收到的各動態密碼的傳輸參數，選取與收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，具體包括：
步驟一，根據接收到的各動態密碼的信號強度，選取信號強度最大的動態密碼；具體的，由於行動終端距離收款設備越近，其向收款設備廣播的動態密碼的信號強度越強，因此，比對各動態密碼的信號強度即可確定出與收款設備距離最小的行動終端廣播的動態密碼。
步驟二，將信號強度最大的動態密碼確定為目標動態密碼；具體的，信號強度最大的動態密碼即為與收款設備距離最小的行動終端廣播的動態密碼。
另外，還可以基於信號傳輸時長來選取目標動態密碼，針對傳輸參數為信號傳輸時長的情況，對應的，上述S2021根據接收到的各動態密碼的傳輸參數，選取與收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，具體包括：
步驟一，根據接收到的各動態密碼的信號傳輸時長，選取信號傳輸時長最短的動態密碼；具體的，由於信號傳輸速度相同，因此，動態密碼從行動終端傳輸至收款設備的信號傳輸用時越短，說明行動終端距離收款設備越近，因此，比對各動態密碼的信號傳輸時長即可確定出與收款設備距離最小的行動終端廣播的動態密碼。
步驟二，將信號傳輸時長最短的動態密碼確定為目標動態密碼；具體的，信號傳輸時長最短的動態密碼即為與收款設備距離最小的行動終端廣播的動態密碼。
具體的，動態密碼的信號傳輸時長為行動終端開始廣播該動態密碼的起始時間戳與收款設備接收到該動態密碼的截止時間戳之差，其中，該起始時間戳是行動終端告知接收設備的，具體為：
上述S2011，接收多個行動終端廣播的多個動態密碼，具體包括：
接收多個行動終端廣播的標記起始時間戳的多個動態密碼，這樣收款設備可以根據每個動態密碼的起始時間戳和接收到該動態密碼的截止時間戳，確定該動態密碼的信號傳輸時長。
其中，為了避免因目標動態密碼上傳錯誤而給非消費者帶來不必要的麻煩，雲端伺服器在接收到支付請求後，向對應的行動終端發送支付確認請求，該支付確認請求中攜帶有商家資訊和支付資訊，以使持有該行動終端的用戶對商家資訊和支付資訊進行確認，從而提高扣款觸發操作的準確性，基於此，上述S203根據確定出的目標動態密碼，產生支付請求，具體包括：
獲取待支付的結算資訊和收款設備的設備標識；
根據獲取到的目標動態密碼、結算資訊和設備標識，產生支付請求。
具體的，雲端伺服器在接收到支付請求後，根據待支付的結算資訊確定支付資訊；以及，根據收款設備的設備標識確定收款方資訊；
根據支付資訊和收款方資訊，產生支付確認請求，並將該支付確認請求發送至與目標動態密碼對應的行動終端，以使行動終端解析並顯示支付確認請求中攜帶的收款方資訊和支付資訊。
進一步的，考慮可能存在收款設備與行動終端位於不同的網路的情況，為了能夠確保收款設備能夠準確地接收到行動終端廣播的動態密碼，在收款設備中設置一無線接入點AP，預先將行動終端接入該無線接入點AP產生的無線區域網路內，進而實現行動終端與收款設備之間的動態密碼的傳遞與接收，基於此，上述S201在獲取至少一個行動終端廣播的動態密碼之前，還包括：
基於wifi快連技術控制行動終端接入收款設備所在的無線區域網路，其中，wifi快連技術可以是Smart Config技術，還可以是Smart Connect技術。
其中，上述動態密碼是雲端伺服器下發給行動終端的，且雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
具體的，如圖6所示，給出了行動支付方法中多終端之間資訊交互的過程，具體為：
S601，雲端伺服器產生隨機字元串，並儲存行動終端與隨機字元串之間的對應關係，其中，為了減少雲端伺服器的資訊處理量，避免給非支付用戶帶來不必要的麻煩，只有檢測到行動終端開啟指定應用並觸發預設點擊操作後，才向行動終端發送相應的隨機字元串；
S602，雲端伺服器將隨機字元串下發至對應行動終端；
S603，行動終端在接收到隨機字元串後，向收款設備廣播該隨機字元串；
S604，收款設備在接收到的至少一個隨機字元串中，確定目標隨機字元串；
S605，收款設備根據確定出的目標隨機字元串，產生支付請求；
S606，收款設備將產生的支付請求上傳至雲端伺服器，其中，該支付請求中攜帶目標隨機字元串、自身設備標識、待支付的結算資訊；
S607，雲端伺服器在接收到支付請求後，根據預存的對應關係確定與支付請求中目標隨機字元串對應的行動終端；
S608，雲端伺服器向與目標隨機字元串對應的行動終端發送支付確認請求，其中，該支付確認請求中攜帶有商家資訊和支付資訊；
S609，行動終端接收到支付確認請求後，解析並顯示支付確認請求中攜帶的商家資訊和支付資訊，以使持有該行動終端的消費者對商家資訊和支付資訊進行確認，並且在消費者確認無誤後，將行動終端貼近收款設備；
S610，收款設備向外輻射磁場感應信號，其中，該磁場感應信號在距收款設備預設距離處的磁場強度為預設強度閾值，並且該磁場感應信號的特徵參數為指定特徵參數；
S611，行動終端在磁場強度大於預設強度閾值的磁場感應信號且特徵參數與指定特徵參數一致後產生扣款請求，如圖7所示，在實線包圍的範圍內磁場強度大於預設強度閾值，只有行動終端與收款設備之間的距離小於預設距離時，才產生扣款請求；
S612，行動終端向雲端伺服器發送產生的扣款請求；
S613，雲端伺服器在接收到扣款請求後在對應的目標帳號中進行扣款，以完成線下行動支付。
本發明實施例中的行動支付方法，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
對應上述圖2至圖6描述的行動支付方法，基於相同的技術構思，本發明另一實施例還提供了一種行動支付方法，圖8為本發明實施例提供的行動支付方法的流程示意圖，圖8中的方法能夠由圖1中的行動終端執行，如圖8所示，該方法至少包括以下步驟：
S801，向收款設備廣播動態密碼，以使收款設備接收到動態密碼後向雲端伺服器上傳根據該動態密碼產生的支付請求，具體的，行動終端在其所在網路中廣播各自的動態密碼；
S802，接收雲端伺服器下發的支付確認請求，其中，該支付確認請求為雲端伺服器根據收款設備上傳支付請求產生的；
S803，針對接收到的支付確認請求，在檢測到收款設備發送的扣款觸發信號後，向雲端伺服器發送扣款請求，以使雲端伺服器基於扣款請求在行動終端對應的目標帳號中進行扣款。
本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
其中，上述動態密碼包括：隨機字元串或密鑰，例如，隨機字元串可以是隨機Token串，該隨機Token串具有隨機性強、不可預測的特點，具體的，動態密碼可以是雲端伺服器按照預設時間間隔產生並下發至行動終端的，還可以是行動終端基於預設演算法隨機產生的。
其中，針對利用磁場感應觸發行動終端發送扣款請求的情況，具體的，在收款設備中設置電磁線圈，該電磁線圈通電後產生磁場感應信號，並向外輻射該磁場感應信號，即上述扣款觸發信號包括：磁場感應信號；
具體的，考慮到收款設備的周邊可能存在多個行動終端，為了避免出現誤觸發的情況，只有行動終端與收款設備之間的距離小於預設距離時，才觸發行動終端產生並發送扣款請求，基於此，上述S803在檢測到收款設備發送的扣款觸發信號後，向雲端伺服器發送扣款請求，具體包括：
在檢測到收款設備發送的磁場感應信號後，判斷該磁場感應信號的磁場強度是否大於預設強度閾值，其中，該預設強度閾值是根據磁場感應信號在距收款設備預設距離產生的磁場強度確定的；
若磁場強度大於預設強度閾值，則向雲端伺服器發送扣款請求。
具體的，由於行動終端距離收款設備越近，行動終端接收到的磁場感應信號的磁場強度越強，如果預設強度閾值等於距收款設備預設距離處的磁場強度，則當行動終端與收款設備之間的距離小於預設距離時，行動終端檢測到的磁場強度將大於預設強度閾值，因此，在確定是否產生扣款請求時，引入磁場強度這一參考因素，即行動終端不僅檢測到磁場感應信號，同時還需要保證磁場感應信號的磁場強度大於預設強度閾值，行動終端才觸發產生扣款請求。也就是說，只有消費者針對支付確認資訊進行確認無誤後，將行動終端貼近收款設備，此時由於行動終端與收款設備之間距離小於預設距離，行動終端檢測到的磁場感應信號的磁場強度大於預設強度閾值，行動終端才觸發產生扣款請求，這樣能夠避免出現誤觸發非支付的行動終端產生扣款請求的情況。
進一步的，又考慮到收款設備所處環境中可能存在其他磁場感應信號，導致行動終端接收到的磁場感應信號可能並不是收款設備發出的，而是周邊的干擾磁場信號，為了避免因周邊干擾磁場信號而出現誤觸發的情況，基於此，上述向雲端伺服器發送扣款請求，具體包括：
在確定磁場感應信號的磁場強度大於預設強度閾值後，判斷該磁場感應信號的特徵參數是否與指定特徵參數一致，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
若磁場感應信號的特徵參數與指定特徵參數一致，則向雲端伺服器發送扣款請求。
具體的，可以通過控制電磁線圈所通過的電流的大小和/或頻率，進而控制收款設備向外輻射的磁場感應信號的特徵參數為指定特徵參數，以使收款設備向外輻射的磁場感應信號的特徵參數區別於周圍的其他干擾磁場信號的磁場感應信號，這樣行動終端檢測到磁場感應信號後，判斷該磁場感應信號的特徵參數與指定特徵參數是否一致，只有確定一致的情況下，才產生扣款請求。也就是說，在確定是否產生扣款請求時，又引入磁場感應信號的特徵參數這一參考因素，即行動終端不僅檢測到磁場感應信號且磁場感應信號的磁場強度大於預設強度閾值，以及該磁場感應信號具有指定特徵參數，行動終端才觸發產生扣款請求，進而避免因周邊干擾磁場信號而出現誤觸發的情況。
其中，針對動態密碼為雲端伺服器產生並下發的情況，上述S801在向收款設備廣播動態密碼之前，還包括：
接收雲端伺服器下發的動態密碼，其中，雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
進一步的，為了避免因收款設備上傳動態密碼錯誤而給非消費者帶來不必要的麻煩，雲端伺服器在接收到支付請求後，向對應的行動終端發送支付確認請求，該支付確認請求中攜帶有商家資訊和支付資訊，以使持有該行動終端的用戶對商家資訊和支付資訊進行確認，從而提高扣款觸發操作的準確性，基於此，上述S802在接收雲端伺服器下發的支付確認請求之後，還包括：
解析接收到的支付確認請求，得到收款方資訊和支付資訊，其中，該支付資訊可以是待支付的總金額，還可以是待支付的收款明細；
顯示收款方資訊和支付資訊，以使持有該行動終端的用戶對收款方資訊和支付資訊進行確認。
進一步的，考慮可能存在收款設備與行動終端位於不同的網路的情況，為了能夠確保收款設備能夠準確地接收到行動終端廣播的動態密碼，在收款設備中設置一無線接入點AP，預先將行動終端接入該無線接入點AP產生的無線區域網路內，進而實現行動終端與收款設備之間的動態密碼的傳遞與接收，基於此，上述S801在向收款設備廣播動態密碼之前，還包括：
基於wifi快連技術接入收款設備所在的無線區域網路，其中，wifi快連技術可以是Smart Config技術，還可以是Smart Connect技術。
本發明實施例中的行動支付方法，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明另一實施例與本發明一實施例基於同一發明構思，因此該實施例的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
對應上述圖2至圖6描述的行動支付方法，基於相同的技術構思，本發明又一實施例還提供了一種行動支付方法，圖9為本發明實施例提供的行動支付方法的流程示意圖，圖9中的方法能夠由圖1中的雲端伺服器執行，如圖9所示，該方法至少包括以下步驟：
S901，接收收款設備上傳的支付請求，其中，該支付請求是收款設備根據確定出的目標動態密碼產生的；
S902，根據接收到的支付請求中的目標動態密碼和預存的終端與密碼之間的對應關係，確定與該目標動態密碼對應的目標行動終端；
S903，向目標行動終端發送支付確認請求，以使目標行動終端針對支付確認請求並在檢測到收款設備發送的扣款觸發信號後發送扣款請求；
S904，接收目標行動終端發送的扣款請求，並基於該扣款請求在目標行動終端對應的目標帳號中進行扣款。
本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
其中，針對動態密碼為雲端伺服器產生並下發的情況，上述S901在接收收款設備上傳的支付請求之前，還包括：
產生並向行動終端下發動態密碼，以及儲存行動終端與動態密碼之間的對應關係。
其中，上述動態密碼包括：隨機字元串或密鑰，例如，隨機字元串可以是隨機Token串，該隨機Token串具有隨機性強、不可預測的特點，具體的，動態密碼可以是雲端伺服器按照預設時間間隔產生並下發至行動終端的，還可以是行動終端基於預設演算法隨機產生的。
其中，為了避免因收款設備上傳動態密碼錯誤而給非消費者帶來不必要的麻煩，雲端伺服器在接收到支付請求後，向對應的行動終端發送支付確認請求，該支付確認請求中攜帶有商家資訊和支付資訊，以使持有該行動終端的用戶對商家資訊和支付資訊進行確認，從而提高扣款觸發操作的準確性，基於此，上述支付請求攜帶有待支付的結算資訊和收款設備的設備標識；
對應的，在上述S903向目標行動終端發送支付確認請求之前，還包括：
根據支付請求中的待支付的結算資訊確定支付資訊；以及，根據支付請求中的收款設備的設備標識確定收款方資訊；
根據確定出的支付資訊和收款方資訊，產生支付確認請求。
本發明實施例中的行動支付方法，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明又一實施例與本發明一實施例基於同一發明構思，因此該實施例的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
對應上述圖2至圖9描述的行動支付方法，基於相同的技術構思，本發明實施例還提供了一種行動支付裝置，圖10為本發明實施例提供的行動支付裝置的模組組成示意圖，該裝置用於執行圖2描述的行動支付方法，該裝置設置於收款設備，如圖10所示，該裝置包括：
動態密碼獲取模組1001，用於獲取至少一個行動終端廣播的動態密碼；
支付請求發送模組1002，用於在獲取的該動態密碼中確定目標動態密碼，根據該目標動態密碼產生支付請求，並將該支付請求上傳至雲端伺服器，以使該雲端伺服器向與該目標動態密碼對應的目標行動終端發送支付確認請求；
觸發信號發送模組1003，用於在預設範圍內發送扣款觸發信號，以使該目標行動終端針對該支付確認請求並在檢測到該扣款觸發信號後向該雲端伺服器發送扣款請求。
可選地，該動態密碼包括：隨機字元串或密鑰。
可選地，該扣款觸發信號包括：磁場感應信號；
該觸發信號發送模組1003，具體用於：
向外輻射產生的磁場感應信號，以使該目標行動終端在檢測到該磁場感應信號且其磁場強度大於預設強度閾值後向該雲端伺服器發送扣款請求；
其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的。
可選地，該觸發信號發送模組1003，進一步具體用於：
產生具有指定特徵參數的磁場感應信號，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
向外輻射該具有指定特徵參數的磁場感應信號，以使該目標行動終端確定檢測到的磁場感應信號來自於該收款設備後向該雲端伺服器發送扣款請求。
可選地，該動態密碼獲取模組1001，具體用於：
接收多個行動終端廣播的多個動態密碼；
對應的，該支付請求發送模組1002，具體用於：
根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼。
可選地，該傳輸參數包括：信號強度；
該支付請求發送模組1002，進一步具體用於：
根據各該動態密碼的信號強度，選取信號強度最大的動態密碼；
將該信號強度最大的動態密碼確定為目標動態密碼。
可選地，該傳輸參數包括：信號傳輸時長；
該支付請求發送模組1002，進一步具體用於：
根據各該動態密碼的信號傳輸時長，選取信號傳輸時長最短的動態密碼；
將該信號傳輸時長最短的動態密碼確定為目標動態密碼。
可選地，該動態密碼是雲端伺服器下發給該行動終端的，且該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，該支付請求發送模組1002，還具體用於：
獲取待支付的結算資訊和該收款設備的設備標識；
根據該目標動態密碼、該結算資訊和該設備標識，產生支付請求。
可選地，該收款設備與該行動終端位於不同的網路；上述裝置還包括：網路接入控制模組；
其中，上述網路接入控制模組，用於在獲取至少一個行動終端廣播的動態密碼之前，基於wifi快連技術控制該行動終端接入該收款設備所在的無線區域網路。
本發明實施例中的行動支付裝置，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明實施例提供的行動支付裝置與本發明實施例提供的行動支付方法基於同一發明構思，因此，該行動支付裝置的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
對應上述圖2至圖9描述的行動支付方法，基於相同的技術構思，本發明實施例還提供了一種行動支付裝置，圖11為本發明實施例提供的行動支付裝置的模組組成示意圖，該裝置用於執行圖8描述的行動支付方法，該裝置設置於行動終端，如圖11所示，該裝置包括：
動態密碼廣播模組1101，用於向收款設備廣播動態密碼，以使該收款設備接收到該動態密碼後向雲端伺服器上傳根據該動態密碼產生的支付請求；
確認請求接收模組1102，用於接收該雲端伺服器下發的支付確認請求，其中，該支付確認請求為該雲端伺服器根據該收款設備上傳該支付請求產生的；
扣款請求發送模組1103，用於針對該支付確認請求，在檢測到該收款設備發送的扣款觸發信號後，向該雲端伺服器發送扣款請求，以使該雲端伺服器基於該扣款請求在該行動終端對應的目標帳號中進行扣款。
可選地，該動態密碼包括：隨機字元串或密鑰。
可選地，該扣款觸發信號包括：磁場感應信號；
對應的，該扣款請求發送模組1103，具體用於：
在檢測到該收款設備發送的磁場感應信號後，判斷該磁場感應信號的磁場強度是否大於預設強度閾值，其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的；
若是，則向該雲端伺服器發送扣款請求。
可選地，該扣款請求發送模組1103，進一步具體用於：
在確定該磁場感應信號的磁場強度大於預設強度閾值後，判斷該磁場感應信號的特徵參數是否與指定特徵參數一致，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
若是，則向該雲端伺服器發送扣款請求。
可選地，上述裝置還包括：動態密碼接收模組；其中，該動態密碼接收模組，具體用於：
在向收款設備廣播動態密碼之前，接收雲端伺服器下發的動態密碼，其中，該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，上述裝置還包括：支付資訊展示模組；其中，該支付資訊展示模組，具體用於：
在接收該雲端伺服器下發的支付確認請求之後，解析該支付確認請求，得到收款方資訊和支付資訊；
顯示該收款方資訊和該支付資訊。
可選地，該收款設備與該行動終端位於不同的網路；上述裝置還包括：網路接入模組；其中，該網路接入模組，具體用於：
在向收款設備廣播動態密碼之前，基於wifi快連技術接入該收款設備所在的無線區域網路。
本發明實施例中的行動支付裝置，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明實施例提供的行動支付裝置與本發明實施例提供的行動支付方法基於同一發明構思，因此，該行動支付裝置的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
對應上述圖2至圖9描述的行動支付方法，基於相同的技術構思，本發明實施例還提供了一種行動支付裝置，圖12為本發明實施例提供的行動支付裝置的模組組成示意圖，該裝置用於執行圖9描述的行動支付方法，該裝置設置於雲端伺服器，如圖12所示，該裝置包括：
支付請求接收模組1201，用於接收收款設備上傳的支付請求，其中，該支付請求是收款設備根據行動終端廣播的動態密碼產生的；
目標終端確定模組1202，用於根據該動態密碼和預存的終端與密碼對應關係，確定與該動態密碼對應的目標行動終端；
確認請求發送模組1203，用於向該目標行動終端發送支付確認請求，以使該目標行動終端針對該支付確認請求並在檢測到該收款設備發送的扣款觸發信號後發送扣款請求；
扣款請求接收模組1204，用於接收該目標行動終端發送的該扣款請求，並基於該扣款請求在該目標行動終端對應的目標帳號中進行扣款。
可選地，上述裝置還包括：動態密碼下發模組；其中，該動態密碼下發模組，具體用於：
在接收收款設備上傳的支付請求之前，產生並向行動終端下發動態密碼，以及儲存行動終端與動態密碼之間的對應關係。
可選地，該動態密碼包括：隨機字元串或密鑰。
可選地，該支付請求攜帶有待支付的結算資訊和該收款設備的設備標識；
對應於，上述裝置還包括：確認請求產生模組；其中，該確認請求產生模組，具體用於：
在向該目標行動終端發送支付確認請求之前，根據該待支付的結算資訊確定支付資訊；以及，根據該收款設備的設備標識確定收款方資訊；
根據該支付資訊和該收款方資訊，產生支付確認請求。
本發明實施例中的行動支付裝置，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明實施例提供的行動支付裝置與本發明實施例提供的行動支付方法基於同一發明構思，因此，該行動支付裝置的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
對應上述圖2至圖9描述的行動支付方法，基於相同的技術構思，本發明實施例還提供了一種行動支付系統，圖13為本發明實施例提供的行動支付系統的模組組成示意圖，該系統用於執行圖2至圖9描述的行動支付方法，如圖13所示，該系統包括：依次連接的收款設備10、雲端伺服器20、行動終端30；
其中，該收款設備10，用於獲取至少一個行動終端30廣播的動態密碼；在獲取的該動態密碼中確定目標動態密碼，根據該目標動態密碼產生支付請求，並將該支付請求上傳至雲端伺服器20；以及在預設範圍內發送扣款觸發信號；
該行動終端30，用於向收款設備10廣播動態密碼；接收該雲端伺服器20下發的支付確認請求；以及針對該支付確認請求，在檢測到該收款設備10發送的扣款觸發信號後，向該雲端伺服器20發送扣款請求；
該雲端伺服器20，用於接收收款設備10上傳的支付請求；根據該動態密碼和預存的終端與密碼對應關係，確定與該動態密碼對應的目標行動終端30；以及向該目標行動終端30發送支付確認請求；接收該目標行動終端30發送的該扣款請求，並基於該扣款請求在該目標行動終端30對應的目標帳號中進行扣款。
本發明實施例中，基於動態密碼實現行動終端30與收款設備10的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端30具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
其中，在一個具體實施方式中，行動支付系統中的收款設備10、雲端伺服器20、行動終端30之間的資訊交互的過程，具體為：
雲端伺服器20定時產生隨機字元串，並儲存行動終端30與隨機字元串之間的對應關係，其中，為了減少雲端伺服器20的資訊處理量，避免給非支付用戶帶來不必要的麻煩，只有檢測到行動終端30開啟指定應用並觸發預設點擊操作後，才向行動終端30發送相應的隨機字元串；
雲端伺服器20將隨機字元串下發至對應行動終端30；
行動終端30在接收到隨機字元串後，向收款設備10廣播該隨機字元串；
收款設備10在接收到的至少一個隨機字元串中，確定目標隨機字元串；
收款設備10根據確定出的目標隨機字元串，產生支付請求；
收款設備10將產生的支付請求上傳至雲端伺服器20，其中，該支付請求中攜帶目標隨機字元串、自身設備標識、待支付的結算資訊；
雲端伺服器20在接收到支付請求後，根據預存的對應關係確定與該目標隨機字元串對應的行動終端30；
雲端伺服器20向與目標隨機字元串對應的行動終端30發送支付確認請求，其中，該支付確認請求中攜帶有商家資訊和支付資訊；
行動終端30接收到支付確認請求後，解析並顯示支付確認請求中攜帶的商家資訊和支付資訊，以使持有該行動終端30的消費者對商家資訊和支付資訊進行確認，並且在消費者確認無誤後，將行動終端30貼近收款設備10；
收款設備10向外輻射磁場感應信號，其中，該磁場感應信號在距收款設備10預設距離處的磁場強度為預設強度閾值，並且該磁場感應信號的特徵參數為指定特徵參數；
行動終端30在磁場強度大於預設強度閾值的磁場感應信號且特徵參數與指定特徵參數一致後產生扣款請求，在圖7中，在實線包圍的範圍內磁場強度大於預設強度閾值，只有行動終端30與收款設備10之間的距離小於預設距離時，才產生扣款請求；
行動終端30向雲端伺服器20發送產生的扣款請求；
雲端伺服器20在接收到扣款請求後在對應的目標帳號中進行扣款，以完成線下行動支付。
本發明實施例中的行動支付系統，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。本發明實施例中，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
需要說明的是，本發明實施例提供的行動支付系統與本發明實施例提供的行動支付方法基於同一發明構思，因此，該行動支付系統的具體實施可以參見前述行動支付方法的實施，重複之處不再贅述。
進一步地，對應上述圖2至圖9所示的方法，基於相同的技術構思，本發明實施例還提供了一種行動支付設備，該設備用於執行上述的行動支付方法，如圖14所示。
行動支付設備可因配置或性能不同而產生比較大的差異，可以包括一個或一個以上的處理器1401和記憶體1402，記憶體1402中可以儲存有一個或一個以上儲存應用程式或資料。其中，記憶體1402可以是短暫儲存或持久儲存。儲存在記憶體1402的應用程式可以包括一個或一個以上模組(圖示未示出)，每個模組可以包括對行動支付設備中的一系列電腦可執行指令。更進一步地，處理器1401可以設置為與記憶體1402通信，在行動支付設備上執行記憶體1402中的一系列電腦可執行指令。行動支付設備還可以包括一個或一個以上電源1403，一個或一個以上有線或無線網路介面1404，一個或一個以上輸入輸出介面1405，一個或一個以上鍵盤1406等。
在一個具體的實施例中，行動支付設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對行動支付設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上程式包含用於進行以下電腦可執行指令：
獲取至少一個行動終端廣播的動態密碼；
在獲取的該動態密碼中確定目標動態密碼，根據該目標動態密碼產生支付請求，並將該支付請求上傳至雲端伺服器，以使該雲端伺服器向與該目標動態密碼對應的目標行動終端發送支付確認請求；
在預設範圍內發送扣款觸發信號，以使該目標行動終端針對該支付確認請求並在檢測到該扣款觸發信號後向該雲端伺服器發送扣款請求。
可選地，電腦可執行指令在被執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，電腦可執行指令在被執行時，該扣款觸發信號包括：磁場感應信號；
所述在預設範圍內發送扣款觸發信號，以使該目標行動終端針對該支付確認請求並在檢測到該扣款觸發信號後向該雲端伺服器發送扣款請求，包括：
向外輻射產生的磁場感應信號，以使該目標行動終端在檢測到該磁場感應信號且其磁場強度大於預設強度閾值後向該雲端伺服器發送扣款請求；
其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的。
可選地，電腦可執行指令在被執行時，該向外輻射產生的磁場感應信號，包括：
產生具有指定特徵參數的磁場感應信號，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
向外輻射該具有指定特徵參數的磁場感應信號，以使該目標行動終端確定檢測到的磁場感應信號來自於該收款設備後向該雲端伺服器發送扣款請求。
可選地，電腦可執行指令在被執行時，該獲取至少一個行動終端廣播的動態密碼，包括：
接收多個行動終端廣播的多個動態密碼；
所述在獲取的該動態密碼中確定目標動態密碼，包括：
根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼。
可選地，電腦可執行指令在被執行時，該傳輸參數包括：信號強度；
該根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，包括：
根據各該動態密碼的信號強度，選取信號強度最大的動態密碼；
將該信號強度最大的動態密碼確定為目標動態密碼。
可選地，電腦可執行指令在被執行時，該傳輸參數包括：信號傳輸時長；
該根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，包括：
根據各該動態密碼的信號傳輸時長，選取信號傳輸時長最短的動態密碼；
將該信號傳輸時長最短的動態密碼確定為目標動態密碼。
可選地，電腦可執行指令在被執行時，該動態密碼是雲端伺服器下發給該行動終端的，且該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，電腦可執行指令在被執行時，該根據該目標動態密碼產生支付請求，包括：
獲取待支付的結算資訊和該收款設備的設備標識；
根據該目標動態密碼、該結算資訊和該設備標識，產生支付請求。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：
該收款設備與該行動終端位於不同的網路；
在獲取至少一個行動終端廣播的動態密碼之前，還包括：
基於wifi快連技術控制該行動終端接入該收款設備所在的無線區域網路。
本發明實施例中的行動支付設備，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的行動支付設備，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
在另一個具體的實施例中，行動支付設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對行動支付設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上程式包含用於進行以下電腦可執行指令：
向收款設備廣播動態密碼，以使該收款設備接收到該動態密碼後向雲端伺服器上傳根據該動態密碼產生的支付請求；
接收該雲端伺服器下發的支付確認請求，其中，該支付確認請求為該雲端伺服器根據該收款設備上傳該支付請求產生的；
針對該支付確認請求，在檢測到該收款設備發送的扣款觸發信號後，向該雲端伺服器發送扣款請求，以使該雲端伺服器基於該扣款請求在該行動終端對應的目標帳號中進行扣款。
可選地，電腦可執行指令在被執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，電腦可執行指令在被執行時，該扣款觸發信號包括：磁場感應信號；
所述在檢測到該收款設備發送的扣款觸發信號後，向該雲端伺服器發送扣款請求，包括：
在檢測到該收款設備發送的磁場感應信號後，判斷該磁場感應信號的磁場強度是否大於預設強度閾值，其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的；
若是，則向該雲端伺服器發送扣款請求。
可選地，電腦可執行指令在被執行時，該向該雲端伺服器發送扣款請求，包括：
在確定該磁場感應信號的磁場強度大於預設強度閾值後，判斷該磁場感應信號的特徵參數是否與指定特徵參數一致，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
若是，則向該雲端伺服器發送扣款請求。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：
在向收款設備廣播動態密碼之前，還包括：
接收雲端伺服器下發的動態密碼，其中，該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：
在接收該雲端伺服器下發的支付確認請求之後，還包括：
解析該支付確認請求，得到收款方資訊和支付資訊；
顯示該收款方資訊和該支付資訊。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：該收款設備與該行動終端位於不同的網路；
在向收款設備廣播動態密碼之前，還包括：
基於wifi快連技術接入該收款設備所在的無線區域網路。
本發明實施例中的行動支付設備，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的行動支付設備，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
在又一個具體的實施例中，行動支付設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對行動支付設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上程式包含用於進行以下電腦可執行指令：
接收收款設備上傳的支付請求，其中，該支付請求是收款設備根據行動終端廣播的動態密碼產生的；
根據該動態密碼和預存的終端與密碼對應關係，確定與該動態密碼對應的目標行動終端；
向該目標行動終端發送支付確認請求，以使該目標行動終端針對該支付確認請求並在檢測到該收款設備發送的扣款觸發信號後發送扣款請求；
接收該目標行動終端發送的該扣款請求，並基於該扣款請求在該目標行動終端對應的目標帳號中進行扣款。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：
在接收收款設備上傳的支付請求之前，還包括：
產生並向行動終端下發動態密碼，以及儲存行動終端與動態密碼之間的對應關係。
可選地，電腦可執行指令在被執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，電腦可執行指令在被執行時，還包含用於進行以下電腦可執行指令：
該支付請求攜帶有待支付的結算資訊和該收款設備的設備標識；
在向該目標行動終端發送支付確認請求之前，還包括：
根據該待支付的結算資訊確定支付資訊；以及，根據該收款設備的設備標識確定收款方資訊；
根據該支付資訊和該收款方資訊，產生支付確認請求。
本發明實施例中的行動支付設備，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的行動支付設備，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
進一步地，對應上述圖2至圖9所示的方法，基於相同的技術構思，本發明實施例還提供了一種儲存介質，用於儲存電腦可執行指令，一種具體的實施例中，該儲存介質可以為隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
獲取至少一個行動終端廣播的動態密碼；
在獲取的該動態密碼中確定目標動態密碼，根據該目標動態密碼產生支付請求，並將該支付請求上傳至雲端伺服器，以使該雲端伺服器向與該目標動態密碼對應的目標行動終端發送支付確認請求；
在預設範圍內發送扣款觸發信號，以使該目標行動終端針對該支付確認請求並在檢測到該扣款觸發信號後向該雲端伺服器發送扣款請求。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該扣款觸發信號包括：磁場感應信號；
所述在預設範圍內發送扣款觸發信號，以使該目標行動終端針對該支付確認請求並在檢測到該扣款觸發信號後向該雲端伺服器發送扣款請求，包括：
向外輻射產生的磁場感應信號，以使該目標行動終端在檢測到該磁場感應信號且其磁場強度大於預設強度閾值後向該雲端伺服器發送扣款請求；
其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該向外輻射產生的磁場感應信號，包括：
產生具有指定特徵參數的磁場感應信號，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
向外輻射該具有指定特徵參數的磁場感應信號，以使該目標行動終端確定檢測到的磁場感應信號來自於該收款設備後向該雲端伺服器發送扣款請求。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該獲取至少一個行動終端廣播的動態密碼，包括：
接收多個行動終端廣播的多個動態密碼；
所述在獲取的該動態密碼中確定目標動態密碼，包括：
根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該傳輸參數包括：信號強度；
該根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，包括：
根據各該動態密碼的信號強度，選取信號強度最大的動態密碼；
將該信號強度最大的動態密碼確定為目標動態密碼。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該傳輸參數包括：信號傳輸時長；
該根據各該動態密碼的傳輸參數，選取與該收款設備距離最小的行動終端廣播的動態密碼作為目標動態密碼，包括：
根據各該動態密碼的信號傳輸時長，選取信號傳輸時長最短的動態密碼；
將該信號傳輸時長最短的動態密碼確定為目標動態密碼。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該動態密碼是雲端伺服器下發給該行動終端的，且該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該根據該目標動態密碼產生支付請求，包括：
獲取待支付的結算資訊和該收款設備的設備標識；
根據該目標動態密碼、該結算資訊和該設備標識，產生支付請求。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
該收款設備與該行動終端位於不同的網路；
在獲取至少一個行動終端廣播的動態密碼之前，還包括：
基於wifi快連技術控制該行動終端接入該收款設備所在的無線區域網路。
本發明實施例中的儲存介質儲存的電腦可執行指令在被處理器執行時，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的儲存介質，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
在另一個具體的實施例中，該儲存介質可以為隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
向收款設備廣播動態密碼，以使該收款設備接收到該動態密碼後向雲端伺服器上傳根據該動態密碼產生的支付請求；
接收該雲端伺服器下發的支付確認請求，其中，該支付確認請求為該雲端伺服器根據該收款設備上傳該支付請求產生的；
針對該支付確認請求，在檢測到該收款設備發送的扣款觸發信號後，向該雲端伺服器發送扣款請求，以使該雲端伺服器基於該扣款請求在該行動終端對應的目標帳號中進行扣款。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該扣款觸發信號包括：磁場感應信號；
所述在檢測到該收款設備發送的扣款觸發信號後，向該雲端伺服器發送扣款請求，包括：
在檢測到該收款設備發送的磁場感應信號後，判斷該磁場感應信號的磁場強度是否大於預設強度閾值，其中，該預設強度閾值是根據該磁場感應信號在距該收款設備預設距離產生的磁場強度確定的；
若是，則向該雲端伺服器發送扣款請求。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，所述向該雲端伺服器發送扣款請求，包括：
在確定該磁場感應信號的磁場強度大於預設強度閾值後，判斷該磁場感應信號的特徵參數是否與指定特徵參數一致，其中，該指定特徵參數包括：指定工作頻率、指定工作頻率變化趨勢、指定磁場強度變化趨勢中至少一種；
若是，則向該雲端伺服器發送扣款請求。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
在向收款設備廣播動態密碼之前，還包括：
接收雲端伺服器下發的動態密碼，其中，該雲端伺服器中儲存有行動終端和動態密碼之間的對應關係。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
在接收該雲端伺服器下發的支付確認請求之後，還包括：
解析該支付確認請求，得到收款方資訊和支付資訊；
顯示該收款方資訊和該支付資訊。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
該收款設備與該行動終端位於不同的網路；
在向收款設備廣播動態密碼之前，還包括：
基於wifi快連技術接入該收款設備所在的無線區域網路。
本發明實施例中的儲存介質儲存的電腦可執行指令在被處理器執行時，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的儲存介質，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
在又一個具體的實施例中，該儲存介質可以為隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
接收收款設備上傳的支付請求，其中，該支付請求是收款設備根據行動終端廣播的動態密碼產生的；
根據該動態密碼和預存的終端與密碼對應關係，確定與該動態密碼對應的目標行動終端；
向該目標行動終端發送支付確認請求，以使該目標行動終端針對該支付確認請求並在檢測到該收款設備發送的扣款觸發信號後發送扣款請求；
接收該目標行動終端發送的該扣款請求，並基於該扣款請求在該目標行動終端對應的目標帳號中進行扣款。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
在接收收款設備上傳的支付請求之前，還包括：
產生並向行動終端下發動態密碼，以及儲存行動終端與動態密碼之間的對應關係。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，該動態密碼包括：隨機字元串或密鑰。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還實現以下流程：
該支付請求攜帶有待支付的結算資訊和該收款設備的設備標識；
在向該目標行動終端發送支付確認請求之前，還包括：
根據該待支付的結算資訊確定支付資訊；以及，根據該收款設備的設備標識確定收款方資訊；
根據該支付資訊和該收款方資訊，產生支付確認請求。
本發明實施例中的儲存介質儲存的電腦可執行指令在被處理器執行時，首先，行動終端廣播各自的動態密碼，收款設備獲取到該動態密碼後，將根據該動態密碼產生的支付請求上傳至雲端伺服器；然後，雲端伺服器根據該動態密碼向對應的目標行動終端發送支付確認請求，行動終端接收到該支付確認請求且檢測到收款設備發出的扣款觸發信號後，自動向雲端伺服器發送扣款請求；最後，雲端伺服器基於該扣款請求進行扣款操作。可見，通過本發明實施例中的儲存介質，基於動態密碼實現行動終端與收款設備的關聯，同時，基於扣款觸發信號實現自動觸發扣款確認，這樣既不需要執行掃碼操作，也無需行動終端具有NFC功能即可快速完成線下行動支付，提高線下行動支付的便捷性和通用性。
在20世紀90年代，對於一個技術的改進可以很明顯地區分是硬體上的改進(例如，對二極體、電晶體、開關等電路結構的改進)還是軟體上的改進(對於方法流程的改進)。然而，隨著技術的發展，當今的很多方法流程的改進已經可以視為硬體電路結構的直接改進。設計人員幾乎都通過將改進的方法流程編程到硬體電路中來得到相應的硬體電路結構。因此，不能說一個方法流程的改進就不能用硬體實體模組來實現。例如，可程式化邏輯器件(Programmable Logic Device，PLD)(例如現場可程式化閘陣列(Field Programmable Gate Array，FPGA))就是這樣一種積體電路，其邏輯功能由用戶對器件編程來確定。由設計人員自行編程來把一個數位系統“集成”在一片PLD上，而不需要請晶片製造廠商來設計和製作專用的積體電路晶片。而且，如今，取代手工地製作積體電路晶片，這種編程也多半改用“邏輯編譯器(logic compiler)”軟體來實現，它與程式開發撰寫時所用的軟體編譯器相類似，而要編譯之前的原始代碼也得用特定的編程語言來撰寫，此稱之為硬體描述語言(Hardware Description Language，HDL)，而HDL也並非僅有一種，而是有許多種，如ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL (Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL (Very-High-Speed Integrated Circuit Hardware Description Language)與Verilog。本領域技術人員也應該清楚，只需要將方法流程用上述幾種硬體描述語言稍作邏輯編程並編程到積體電路中，就可以很容易得到實現該邏輯方法流程的硬體電路。
控制器可以按任何適當的方式實現，例如，控制器可以採取例如微處理器或處理器以及儲存可由該(微)處理器執行的電腦可讀程式代碼(例如軟體或韌體)的電腦可讀介質、邏輯閘、開關、專用積體電路(Application Specific Integrated Circuit，ASIC)、可程式化邏輯控制器和嵌入微控制器的形式，控制器的例子包括但不限於以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，記憶體控制器還可以被實現為記憶體的控制邏輯的一部分。本領域技術人員也知道，除了以純電腦可讀程式代碼方式實現控制器以外，完全可以通過將方法步驟進行邏輯編程來使得控制器以邏輯閘、開關、專用積體電路、可程式化邏輯控制器和嵌入微控制器等的形式來實現相同功能。因此這種控制器可以被認為是一種硬體部件，而對其內包括的用於實現各種功能的裝置也可以視為硬體部件內的結構。或者甚至，可以將用於實現各種功能的裝置視為既可以是實現方法的軟體模組又可以是硬體部件內的結構。
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。具體的，電腦例如可以為個人電腦、筆記型電腦、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何設備的組合。
為了描述的方便，描述以上裝置時以功能分為各種單元分別描述。當然，在實施本發明時可以把各單元的功能在同一個或多個軟體和/或硬體中實現。
本領域內的技術人員應明白，本發明的實施例可提供為方法、系統、或電腦程式產品。因此，本發明可採用完全硬體實施例、完全軟體實施例、或結合軟體和硬體方面的實施例的形式。而且，本發明可採用在一個或多個其中包含有電腦可用程式代碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本發明是參照根據本發明實施例的方法、設備(系統)、和電腦程式產品的流程圖和／或方塊圖來描述的。應理解可由電腦程式指令實現流程圖和／或方塊圖中的每一流程和／或方塊、以及流程圖和／或方塊圖中的流程和／或方塊的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式化資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式化資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能的裝置。
這些電腦程式指令也可儲存在能引導電腦或其他可程式化資料處理設備以特定方式工作的電腦可讀記憶體中，使得儲存在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能。
這些電腦程式指令也可裝載到電腦或其他可程式化資料處理設備上，使得在電腦或其他可程式化設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式化設備上執行的指令提供用於實現在流程圖一個流程或多個流程和／或方塊圖一個方塊或多個方塊中指定的功能的步驟。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和內部記憶體。
內部記憶體可能包括電腦可讀介質中的非永久性記憶體，隨機存取記憶體(RAM)和/或非揮發性內部記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。內部記憶體是電腦可讀介質的示例。
電腦可讀介質包括永久性和非永久性、可行動和非可行動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存介質的例子包括，但不限於相變內部記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式化唯讀記憶體(EEPROM)、快閃記憶體或其他內部記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁碟儲存或其他磁性儲存設備或任何其他非傳輸介質，可用於儲存可以被計算設備存取的資訊。按照本文中的界定，電腦可讀介質不包括暫存電腦可讀媒體(transitory media)，如調變的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本領域技術人員應明白，本發明的實施例可提供為方法、系統或電腦程式產品。因此，本發明可採用完全硬體實施例、完全軟體實施例或結合軟體和硬體方面的實施例的形式。而且，本發明可採用在一個或多個其中包含有電腦可用程式代碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本發明可以在由電腦執行的電腦可執行指令的一般上下文中描述，例如程式模組。一般地，程式模組包括執行特定任務或實現特定抽象資料類型的例程、程式、物件、組件、資料結構等等。也可以在分布式計算環境中實踐本發明，在這些分布式計算環境中，由通過通信網路而被連接的遠程處理設備來執行任務。在分布式計算環境中，程式模組可以位於包括儲存設備在內的本地和遠程電腦儲存介質中。
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，對於系統實施例而言，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。
以上所述僅為本發明的實施例而已，並不用於限制本發明。對於本領域技術人員來說，本發明可以有各種更改和變化。凡在本發明的精神和原理之內所作的任何修改、等同替換、改進等，均應包含在本發明的申請專利範圍之內。In order to enable those skilled in the art to better understand the technical solutions of the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described The embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.
The embodiment of the present invention provides a mobile payment method, device and payment system, which realizes the association between the mobile terminal and the payment device based on the dynamic password, and at the same time, realizes the automatic triggering of the deduction confirmation based on the deduction trigger signal, so that there is no need to perform code scanning Operation, offline mobile payment can be completed quickly without the mobile terminal having NFC function, which improves the convenience and versatility of offline mobile payment.
Fig. 1 is a schematic diagram of an application scenario of a mobile payment system provided by an embodiment of the present invention. As shown in Fig. 1, the payment system includes: a collection device, a cloud server, and a mobile terminal. The mobile terminal may be a smart phone, Tablet computer, etc., the collection device can be a device that radiates magnetic field induction signals. The cloud server is in communication with the collection device and mobile terminal. First, the cloud server sends a dynamic password to the mobile terminal at a preset time interval; mobile terminal After receiving the dynamic password, broadcast the dynamic password on the network where it is located; after receiving the dynamic password, the receiving device generates a corresponding payment request, and reports the payment request to the cloud server; the cloud server receives After receiving the payment request, send a payment confirmation request to the mobile terminal corresponding to the dynamic password; after receiving the payment confirmation request, the mobile terminal displays the corresponding merchant information and payment information, and after the consumer confirms that it is correct, move the mobile terminal close to it Payment device, at this time, the mobile terminal will detect the magnetic field induction signal radiated from the payment device and send the generated deduction request to the cloud server; after the cloud server receives the deduction request, the mobile terminal corresponds to The target account is deducted to complete the offline payment.
Fig. 2 is a schematic flowchart of a mobile payment method provided by an embodiment of the present invention. The method in Fig. 2 can be executed by the payment collection device in Fig. 1. As shown in Fig. 2, the method includes at least the following steps:
S201. Acquire a dynamic password broadcast by at least one mobile terminal; where the dynamic password includes: a random character string or a secret key. For example, the random character string may be a random token string, which has strong randomness and unpredictability. Specifically, the dynamic password can be generated by the cloud server at a preset time interval and issued to the mobile terminal, or it can be randomly generated by the mobile terminal based on a preset algorithm.
S202. Determine the target dynamic password among the acquired at least one dynamic password; wherein, when the number of acquired dynamic passwords is one, the dynamic password is determined as the target dynamic password; when the number of acquired dynamic passwords is large At this time, that is, there are multiple mobile terminals broadcasting dynamic passwords in the preset range of the collection device. At this time, it is necessary to select the target dynamic password from the multiple dynamic passwords according to the preset rules.
S203: Generate a payment request according to the determined target dynamic password; wherein the payment request carries the target dynamic password, so that the cloud server can determine the corresponding target mobile terminal according to the target dynamic password.
S204. Upload the generated payment request to the cloud server, so that the cloud server sends a payment confirmation request to the target mobile terminal corresponding to the target dynamic password; wherein the payment confirmation request can carry information such as merchant information and payment information, So that consumers can confirm information such as business information and payment information, and after the consumer confirms that they are correct, they can place the target mobile terminal close to the collection device, where the payment information can be the total amount to be paid or the amount to be paid Collection details.
S205: Send a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal; specifically, the collection device automatically transmits outwards Deduction trigger signal. When the mobile terminal is close to the collection device, the mobile terminal will detect the deduction trigger signal to trigger the mobile terminal to send a deduction request to the cloud server. After the cloud server receives the deduction request, Deduction is made in the target account corresponding to the mobile terminal to complete offline mobile payment.
In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
Specifically, as shown in Figure 3, the process of information interaction between multiple terminals in the mobile payment method is given, specifically:
S301: The mobile terminal broadcasts a dynamic password to the collection device;
S302: The receiving device determines the target dynamic password among the received at least one dynamic password;
S303: The payment receiving device generates a payment request according to the determined target dynamic password;
S304: The payment receiving device uploads the generated payment request to the cloud server;
S305: The cloud server sends a payment confirmation request to the mobile terminal corresponding to the target dynamic password;
S306: The collection device transmits a deduction trigger signal to the outside;
S307: The mobile terminal generates a deduction request after detecting the deduction trigger signal;
S308: The mobile terminal sends the generated deduction request to the cloud server;
S309: After receiving the deduction request, the cloud server performs deduction in the corresponding target account.
Among them, for the case of using magnetic field induction to trigger the mobile terminal to send a deduction request, specifically, an electromagnetic coil is set in the payment device, and the electromagnetic coil generates a magnetic field induction signal after being energized, and radiates the magnetic field induction signal outward;
Specifically, considering that there may be multiple mobile terminals around the collection device, in order to avoid false triggers, only when the distance between the mobile terminal and the collection device is less than the preset distance, will the mobile terminal be triggered to generate and send the deduction As shown in Figure 4, the above S205 sends a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal. include:
S2051, radiating the generated magnetic field induction signal to the outside, so that the target mobile terminal sends a deduction request to the cloud server after detecting the magnetic field induction signal and the magnetic field intensity is greater than a preset intensity threshold;
Wherein, the aforementioned preset intensity threshold is determined according to the intensity of the magnetic field generated by the magnetic field induction signal at a preset distance from the payment collection device.
Specifically, because the mobile terminal is closer to the collection device, the magnetic field strength of the magnetic field induction signal received by the mobile terminal is stronger. If the preset intensity threshold is equal to the magnetic field strength at the preset distance from the collection device, when the mobile terminal is When the distance between the collection devices is less than the preset distance, the magnetic field strength detected by the mobile terminal will be greater than the preset strength threshold. Therefore, when determining whether to generate a deduction request, the magnetic field strength is introduced as a reference factor, that is, the mobile terminal is not only When the magnetic field induction signal is detected, it is also necessary to ensure that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold before the mobile terminal triggers the generation of a deduction request. In other words, only after the consumer confirms that the payment confirmation information is correct, the mobile terminal is placed close to the collection device. At this time, since the distance between the mobile terminal and the collection device is less than the preset distance, the magnetic field induction signal detected by the mobile terminal is Only when the magnetic field intensity is greater than the preset intensity threshold can the mobile terminal trigger the generation of the deduction request, which can avoid the situation of falsely triggering the non-payment mobile terminal to generate the deduction request.
Further, considering that there may be other magnetic field induction signals in the environment where the payment collection device is located, the magnetic field induction signal received by the mobile terminal may not be sent by the payment collection device, but the surrounding interference magnetic field signal. In the case of false triggering due to interference with the magnetic field signal, based on this, the magnetic field induction signal generated by the external radiation of S2051 above specifically includes:
Step 1: Generate a magnetic field induction signal with designated characteristic parameters, where the designated characteristic parameters include at least one of a designated working frequency, a designated working frequency change trend, and a designated magnetic field strength change trend;
Step two: radiate a magnetic field induction signal with specified characteristic parameters, so that the target mobile terminal can determine that the detected magnetic field induction signal comes from the collection device and then send a deduction request to the cloud server.
Specifically, by controlling the magnitude and/or frequency of the current passing through the electromagnetic coil, the characteristic parameters of the magnetic field induction signal radiated by the payment collection device can be controlled to be the designated characteristic parameters, so that the magnetic field radiated outwards by the payment collection device can be induced The characteristic parameters of the signal are different from other surrounding magnetic field induction signals that interfere with the magnetic field signal. In this way, after the mobile terminal detects the magnetic field induction signal, it will judge whether the characteristic parameter of the magnetic field induction signal is consistent with the specified characteristic parameter. Generate a chargeback request. That is to say, when determining whether to generate a deduction request, the reference factor of the characteristic parameter of the magnetic field induction signal is introduced. That is, the mobile terminal not only detects the magnetic field induction signal, and the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, and the The magnetic field induction signal has specified characteristic parameters before the mobile terminal triggers the generation of the deduction request, thereby avoiding false triggering caused by the surrounding interference magnetic field signal.
Further, considering that for a certain collection device, the number of dynamic passwords that may be received is multiple, at this time, all dynamic passwords are not directly uploaded to the cloud server, but in accordance with preset rules in multiple dynamic passwords. The target dynamic password is selected from the password, so that the cloud server uniquely determines the mobile terminal that currently needs to pay according to the target dynamic password. Based on this, as shown in FIG. 5, the above-mentioned S201 obtains at least one dynamic password broadcast by the mobile terminal, which specifically includes :
S2011, receiving multiple dynamic passwords broadcast by multiple mobile terminals, that is, multiple mobile terminals broadcasting their own dynamic passwords within a preset range of the collection device;
Correspondingly, in the at least one dynamic password obtained in S202, determining the target dynamic password specifically includes:
S2021, according to the received transmission parameters of each dynamic password, select the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device as the target dynamic password, where the transmission parameter is signal strength or signal transmission duration.
Among them, for the case where the transmission parameter is signal strength, correspondingly, the above-mentioned S2021 selects the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device as the target dynamic password according to the received transmission parameters of each dynamic password, which specifically includes:
Step 1: According to the received signal strength of each dynamic password, select the dynamic password with the highest signal strength; specifically, as the mobile terminal is closer to the collection device, the signal strength of the dynamic password broadcast to the collection device is stronger. Therefore, by comparing the signal strength of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device can be determined.
Step 2: Determine the dynamic password with the largest signal strength as the target dynamic password; specifically, the dynamic password with the largest signal strength is the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device.
In addition, the target dynamic password can also be selected based on the signal transmission time. For the case that the transmission parameter is the signal transmission time, correspondingly, the above S2021 selects the smallest distance from the receiving device according to the transmission parameters of each received dynamic password. The dynamic password broadcast by the mobile terminal is used as the target dynamic password, which specifically includes:
Step 1: According to the received signal transmission time of each dynamic password, select the dynamic password with the shortest signal transmission time; specifically, since the signal transmission speed is the same, the dynamic password is transmitted from the mobile terminal to the collection device. The shorter the time, the closer the mobile terminal is to the collection device. Therefore, by comparing the signal transmission time of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device can be determined.
Step 2: Determine the dynamic password with the shortest signal transmission time as the target dynamic password; specifically, the dynamic password with the shortest signal transmission time is the dynamic password broadcast by the mobile terminal with the shortest signal transmission time.
Specifically, the signal transmission duration of the dynamic password is the difference between the initial time stamp at which the mobile terminal starts broadcasting the dynamic password and the deadline time stamp at which the payment device receives the dynamic password, where the initial time stamp is the notification from the mobile terminal The receiving equipment, specifically:
The above S2011, receiving multiple dynamic passwords broadcast by multiple mobile terminals, specifically includes:
Receive multiple dynamic passwords marked with the initial time stamp broadcast by multiple mobile terminals, so that the collection device can determine the signal of the dynamic password based on the initial time stamp of each dynamic password and the end time stamp of the received dynamic password Transmission time.
Among them, in order to avoid unnecessary trouble to non-consumers due to the wrong upload of the target dynamic password, the cloud server sends a payment confirmation request to the corresponding mobile terminal after receiving the payment request, and the payment confirmation request carries the merchant Information and payment information, so that the user holding the mobile terminal can confirm the merchant information and payment information, thereby improving the accuracy of the deduction trigger operation. Based on this, the above S203 generates a payment request based on the determined target dynamic password. Specifically:
Obtain the settlement information to be paid and the device identification of the collection device;
According to the obtained target dynamic password, settlement information and device identification, a payment request is generated.
Specifically, after receiving the payment request, the cloud server determines the payment information according to the settlement information to be paid; and, determines the payee information according to the device identification of the payment device;
According to the payment information and the payee information, generate a payment confirmation request, and send the payment confirmation request to the mobile terminal corresponding to the target dynamic password, so that the mobile terminal can analyze and display the payee information and payment carried in the payment confirmation request News.
Further, considering that there may be a situation where the payment device and the mobile terminal are located on different networks, in order to ensure that the payment device can accurately receive the dynamic password broadcast by the mobile terminal, a wireless access point AP is set in the payment device , The mobile terminal is connected to the wireless local area network generated by the wireless access point AP in advance, so as to realize the transmission and reception of the dynamic password between the mobile terminal and the collection device. Based on this, the above-mentioned S201 obtains at least one mobile terminal Before broadcasting the dynamic password, it also includes:
Based on the wifi fast connection technology, the mobile terminal is controlled to access the wireless local area network where the collection device is located. The wifi fast connection technology can be Smart Config technology or Smart Connect technology.
Wherein, the above-mentioned dynamic password is issued to the mobile terminal by the cloud server, and the corresponding relationship between the mobile terminal and the dynamic password is stored in the cloud server.
Specifically, as shown in Figure 6, the process of information interaction between multiple terminals in the mobile payment method is given, specifically:
S601: The cloud server generates a random character string, and stores the correspondence between the mobile terminal and the random character string. In order to reduce the amount of information processing of the cloud server, and avoid unnecessary trouble for non-payment users, Only after detecting that the mobile terminal opens the specified application and triggers a preset click operation, the corresponding random character string is sent to the mobile terminal;
S602: The cloud server issues a random character string to the corresponding mobile terminal;
S603: After receiving the random character string, the mobile terminal broadcasts the random character string to the collection device;
S604: The payment collection device determines a target random character string among the received at least one random character string.
S605: The payment collection device generates a payment request according to the determined target random character string;
S606: The payment receiving device uploads the generated payment request to the cloud server, where the payment request carries the target random character string, its own device identification, and settlement information to be paid;
S607: After receiving the payment request, the cloud server determines the mobile terminal corresponding to the target random character string in the payment request according to the pre-stored corresponding relationship;
S608: The cloud server sends a payment confirmation request to the mobile terminal corresponding to the target random character string, where the payment confirmation request carries merchant information and payment information;
S609: After receiving the payment confirmation request, the mobile terminal parses and displays the merchant information and payment information carried in the payment confirmation request, so that the consumer holding the mobile terminal can confirm the merchant information and payment information, and confirm the payment After the error is correct, place the mobile terminal close to the collection device;
S610, the collection device radiates a magnetic field induction signal outward, where the magnetic field intensity of the magnetic field induction signal at a preset distance from the collection device is a preset intensity threshold, and the characteristic parameter of the magnetic field induction signal is a designated characteristic parameter;
S611: The mobile terminal generates a deduction request after the magnetic field intensity is greater than the preset intensity threshold and the characteristic parameters are consistent with the specified characteristic parameters. As shown in Figure 7, the magnetic field intensity is greater than the preset intensity threshold in the range enclosed by the solid line. , Only when the distance between the mobile terminal and the collection device is less than the preset distance, the deduction request will be generated;
S612: The mobile terminal sends the generated deduction request to the cloud server;
S613: After receiving the deduction request, the cloud server debits the corresponding target account to complete the offline mobile payment.
In the mobile payment method in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
Corresponding to the mobile payment method described in Figures 2 to 6 above, based on the same technical concept, another embodiment of the present invention also provides a mobile payment method. Figure 8 is a schematic flow chart of the mobile payment method provided by an embodiment of the present invention. The method in 8 can be executed by the mobile terminal in FIG. 1. As shown in FIG. 8, the method at least includes the following steps:
S801: Broadcast the dynamic password to the receiving device so that the receiving device uploads the payment request generated according to the dynamic password to the cloud server after receiving the dynamic password. Specifically, the mobile terminal broadcasts its own dynamic password on the network where it is located. ；
S802: Receive a payment confirmation request issued by the cloud server, where the payment confirmation request is generated by the cloud server according to the payment request uploaded by the payment receiving device;
S803: In response to the received payment confirmation request, after detecting the deduction trigger signal sent by the collection device, send a deduction request to the cloud server, so that the cloud server will be in the target account corresponding to the mobile terminal based on the deduction request Make a deduction.
In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
Among them, the above-mentioned dynamic password includes: a random character string or a secret key. For example, the random character string can be a random Token string, which has strong randomness and unpredictable characteristics. Specifically, the dynamic password can be a cloud server The device is generated and delivered to the mobile terminal at a preset time interval, or it may be randomly generated by the mobile terminal based on a preset algorithm.
Among them, for the case of using magnetic field induction to trigger the mobile terminal to send a deduction request, specifically, an electromagnetic coil is set in the payment device, and the electromagnetic coil generates a magnetic field induction signal after being energized, and radiates the magnetic field induction signal outward, that is, the aforementioned deduction Trigger signals include: magnetic field induction signal;
Specifically, considering that there may be multiple mobile terminals around the collection device, in order to avoid false triggers, only when the distance between the mobile terminal and the collection device is less than the preset distance, will the mobile terminal be triggered to generate and send the deduction Based on this, the above S803 sends a deduction request to the cloud server after detecting the deduction trigger signal sent by the collection device, which specifically includes:
After detecting the magnetic field induction signal sent by the collection device, determine whether the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold, where the preset intensity threshold is generated at a preset distance from the collection device based on the magnetic field induction signal Determined by the strength of the magnetic field;
If the magnetic field strength is greater than the preset strength threshold, a deduction request is sent to the cloud server.
Specifically, because the mobile terminal is closer to the collection device, the magnetic field strength of the magnetic field induction signal received by the mobile terminal is stronger. If the preset intensity threshold is equal to the magnetic field strength at the preset distance from the collection device, when the mobile terminal is When the distance between the collection devices is less than the preset distance, the magnetic field strength detected by the mobile terminal will be greater than the preset strength threshold. Therefore, when determining whether to generate a deduction request, the magnetic field strength is introduced as a reference factor, that is, the mobile terminal is not only When the magnetic field induction signal is detected, it is also necessary to ensure that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold before the mobile terminal triggers the generation of a deduction request. In other words, only after the consumer confirms that the payment confirmation information is correct, the mobile terminal is placed close to the collection device. At this time, since the distance between the mobile terminal and the collection device is less than the preset distance, the magnetic field induction signal detected by the mobile terminal is Only when the magnetic field intensity is greater than the preset intensity threshold can the mobile terminal trigger the generation of the deduction request, which can avoid the situation of falsely triggering the non-payment mobile terminal to generate the deduction request.
Further, considering that there may be other magnetic field induction signals in the environment where the payment collection device is located, the magnetic field induction signal received by the mobile terminal may not be sent by the payment collection device, but the surrounding interference magnetic field signal. If a false trigger occurs due to interference with the magnetic field signal, based on this, the above-mentioned sending a deduction request to the cloud server specifically includes:
After determining that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, determine whether the characteristic parameters of the magnetic field induction signal are consistent with the designated characteristic parameters, where the designated characteristic parameters include: designated operating frequency, designated operating frequency change trend, designated magnetic field At least one of the intensity change trends;
If the characteristic parameters of the magnetic field induction signal are consistent with the specified characteristic parameters, a deduction request is sent to the cloud server.
Specifically, by controlling the magnitude and/or frequency of the current passing through the electromagnetic coil, the characteristic parameters of the magnetic field induction signal radiated by the payment collection device can be controlled to be the designated characteristic parameters, so that the magnetic field radiated outwards by the payment collection device can be induced The characteristic parameters of the signal are different from other surrounding magnetic field induction signals that interfere with the magnetic field signal. In this way, after the mobile terminal detects the magnetic field induction signal, it will judge whether the characteristic parameter of the magnetic field induction signal is consistent with the specified characteristic parameter. Generate a chargeback request. That is to say, when determining whether to generate a deduction request, the reference factor of the characteristic parameter of the magnetic field induction signal is introduced. That is, the mobile terminal not only detects the magnetic field induction signal, and the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, and the The magnetic field induction signal has specified characteristic parameters before the mobile terminal triggers the generation of the deduction request, thereby avoiding false triggering caused by the surrounding interference magnetic field signal.
Among them, for the case where the dynamic password is generated and issued by the cloud server, the above S801 before broadcasting the dynamic password to the payment device also includes:
Receive the dynamic password issued by the cloud server, wherein the cloud server stores the corresponding relationship between the mobile terminal and the dynamic password.
Further, in order to avoid unnecessary trouble for non-consumers due to the wrong dynamic password uploaded by the receiving device, the cloud server sends a payment confirmation request to the corresponding mobile terminal after receiving the payment request. Carry business information and payment information, so that the user holding the mobile terminal can confirm the business information and payment information, thereby improving the accuracy of the deduction trigger operation. Based on this, the above S802 receives the payment issued by the cloud server After confirming the request, it also includes:
Analyze the received payment confirmation request to obtain the payee information and payment information, where the payment information can be the total amount to be paid, or the receipt details to be paid;
The payee information and payment information are displayed so that the user holding the mobile terminal can confirm the payee information and payment information.
Further, considering that there may be a situation where the payment device and the mobile terminal are located on different networks, in order to ensure that the payment device can accurately receive the dynamic password broadcast by the mobile terminal, a wireless access point AP is set in the payment device , The mobile terminal is connected to the wireless local area network generated by the wireless access point AP in advance to realize the transmission and reception of the dynamic password between the mobile terminal and the collection device. Based on this, the above S801 is broadcasting to the collection device Before the dynamic password, it also includes:
Based on the wifi fast connection technology to access the wireless local area network where the collection device is located, the wifi fast connection technology can be Smart Config technology or Smart Connect technology.
In the mobile payment method in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that another embodiment of the present invention is based on the same inventive concept as an embodiment of the present invention, so the specific implementation of this embodiment can refer to the implementation of the aforementioned mobile payment method, and the repetition will not be repeated.
Corresponding to the mobile payment method described in FIGS. 2 to 6 above, based on the same technical concept, another embodiment of the present invention also provides a mobile payment method. FIG. 9 is a schematic flowchart of the mobile payment method provided by an embodiment of the present invention. The method in 9 can be executed by the cloud server in Fig. 1. As shown in Fig. 9, the method at least includes the following steps:
S901: Receive a payment request uploaded by the payment collection device, where the payment request is generated by the payment collection device according to the determined target dynamic password;
S902: Determine a target mobile terminal corresponding to the target dynamic password according to the corresponding relationship between the target dynamic password in the received payment request and the pre-stored terminal and password;
S903: Send a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request in response to the payment confirmation request and after detecting a deduction trigger signal sent by the collection device;
S904: Receive a deduction request sent by the target mobile terminal, and perform deduction in a target account corresponding to the target mobile terminal based on the deduction request.
In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
Among them, for the case where the dynamic password is generated and issued by the cloud server, the above S901, before receiving the payment request uploaded by the collection device, also includes:
Generate and issue a dynamic password to the mobile terminal, and store the corresponding relationship between the mobile terminal and the dynamic password.
Among them, the above-mentioned dynamic password includes: a random character string or a secret key. For example, the random character string can be a random Token string, which has strong randomness and unpredictable characteristics. Specifically, the dynamic password can be a cloud server The device is generated and delivered to the mobile terminal at a preset time interval, or it may be randomly generated by the mobile terminal based on a preset algorithm.
Among them, in order to avoid unnecessary trouble for non-consumers due to the wrong dynamic password uploaded by the receiving device, after receiving the payment request, the cloud server sends a payment confirmation request to the corresponding mobile terminal. The payment confirmation request carries There are merchant information and payment information, so that the user holding the mobile terminal can confirm the merchant information and payment information, thereby improving the accuracy of the deduction trigger operation. Based on this, the above payment request carries the settlement information and the payment to be paid The device identification of the device;
Correspondingly, before sending the payment confirmation request to the target mobile terminal in S903, the method further includes:
The payment information is determined according to the settlement information to be paid in the payment request; and the payee information is determined according to the device identification of the payment device in the payment request;
According to the determined payment information and payee information, a payment confirmation request is generated.
In the mobile payment method in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that another embodiment of the present invention and an embodiment of the present invention are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned mobile payment method, and the repetition will not be repeated.
Corresponding to the mobile payment method described in Figures 2 to 9 above, based on the same technical concept, an embodiment of the present invention also provides a mobile payment device. Figure 10 is a schematic diagram of the module composition of the mobile payment device provided by the embodiment of the present invention. The device is used to implement the mobile payment method described in FIG. 2, and the device is set in the payment collection device, as shown in FIG. 10, the device includes:
The dynamic password acquisition module 1001 is used to acquire the dynamic password broadcast by at least one mobile terminal;
The payment request sending module 1002 is used to determine the target dynamic password in the acquired dynamic password, generate a payment request according to the target dynamic password, and upload the payment request to the cloud server, so that the cloud server can communicate with the The target mobile terminal corresponding to the target dynamic password sends a payment confirmation request;
The trigger signal sending module 1003 is used to send a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal .
Optionally, the dynamic password includes: a random character string or a key.
Optionally, the deduction trigger signal includes: a magnetic field induction signal;
The trigger signal sending module 1003 is specifically used for:
Radiating the generated magnetic field induction signal outwards, so that the target mobile terminal sends a deduction request to the cloud server after detecting the magnetic field induction signal and the magnetic field intensity is greater than a preset intensity threshold;
Wherein, the preset intensity threshold is determined according to the magnetic field intensity generated by the magnetic field induction signal at a preset distance from the payment collection device.
Optionally, the trigger signal sending module 1003 is further specifically used for:
Generate a magnetic field induction signal with designated characteristic parameters, where the designated characteristic parameters include at least one of a designated working frequency, a designated working frequency change trend, and a designated magnetic field strength change trend;
The magnetic field induction signal with the designated characteristic parameters is radiated outward, so that the target mobile terminal determines that the detected magnetic field induction signal comes from the payment collection device and then sends a deduction request to the cloud server.
Optionally, the dynamic password obtaining module 1001 is specifically used for:
Receive multiple dynamic passwords broadcast by multiple mobile terminals;
Correspondingly, the payment request sending module 1002 is specifically used for:
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password.
Optionally, the transmission parameter includes: signal strength;
The payment request sending module 1002 is further specifically used for:
According to the signal strength of each dynamic password, select the dynamic password with the highest signal strength;
The dynamic password with the highest signal strength is determined as the target dynamic password.
Optionally, the transmission parameter includes: signal transmission duration;
The payment request sending module 1002 is further specifically used for:
According to the signal transmission time of each dynamic password, select the dynamic password with the shortest signal transmission time;
The dynamic password with the shortest signal transmission time is determined as the target dynamic password.
Optionally, the dynamic password is issued to the mobile terminal by a cloud server, and the corresponding relationship between the mobile terminal and the dynamic password is stored in the cloud server.
Optionally, the payment request sending module 1002 is also specifically used for:
Obtain the settlement information to be paid and the device identification of the collection device;
According to the target dynamic password, the settlement information and the device identification, a payment request is generated.
Optionally, the collection device and the mobile terminal are located on different networks; the above-mentioned device further includes: a network access control module;
Wherein, the aforementioned network access control module is used to control the mobile terminal to access the wireless local area network where the payment device is located based on the Wi-Fi quick connection technology before acquiring the dynamic password broadcast by at least one mobile terminal.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that the mobile payment device provided in the embodiments of the present invention and the mobile payment method provided in the embodiments of the present invention are based on the same inventive concept. Therefore, the specific implementation of the mobile payment device can refer to the implementation of the aforementioned mobile payment method. No longer.
Corresponding to the mobile payment method described in FIGS. 2 to 9 above, based on the same technical concept, an embodiment of the present invention also provides a mobile payment device. FIG. 11 is a schematic diagram of the module composition of the mobile payment device provided by the embodiment of the present invention. The device is used to implement the mobile payment method described in FIG. 8. The device is set in a mobile terminal, as shown in FIG. 11, the device includes:
The dynamic password broadcasting module 1101 is used to broadcast the dynamic password to the payment device, so that the payment device receives the dynamic password and uploads the payment request generated according to the dynamic password to the cloud server;
The confirmation request receiving module 1102 is configured to receive a payment confirmation request issued by the cloud server, where the payment confirmation request is generated by the cloud server according to the payment request uploaded by the payment receiving device;
The deduction request sending module 1103 is used to send a deduction request to the cloud server after detecting the deduction trigger signal sent by the payment receiving device for the payment confirmation request, so that the cloud server is based on the deduction The payment request is deducted from the target account corresponding to the mobile terminal.
Optionally, the dynamic password includes: a random character string or a key.
Optionally, the deduction trigger signal includes: a magnetic field induction signal;
Correspondingly, the deduction request sending module 1103 is specifically used for:
After detecting the magnetic field induction signal sent by the collection device, it is determined whether the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold. The preset intensity threshold is based on the magnetic field induction signal at a distance from the collection device. Determined by the strength of the magnetic field generated by the distance;
If yes, send a deduction request to the cloud server.
Optionally, the deduction request sending module 1103 is further specifically used for:
After determining that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, determine whether the characteristic parameters of the magnetic field induction signal are consistent with the designated characteristic parameters, where the designated characteristic parameters include: designated operating frequency, designated operating frequency change trend, designated At least one of the changing trends of magnetic field strength;
If yes, send a deduction request to the cloud server.
Optionally, the above-mentioned device further includes: a dynamic password receiving module; wherein the dynamic password receiving module is specifically used for:
Before broadcasting the dynamic password to the payment device, receiving the dynamic password issued by the cloud server, wherein the cloud server stores the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, the above-mentioned device further includes: a payment information display module; wherein, the payment information display module is specifically used for:
After receiving the payment confirmation request issued by the cloud server, analyze the payment confirmation request to obtain the payee information and payment information;
Display the payee information and the payment information.
Optionally, the collection device and the mobile terminal are located on different networks; the above-mentioned device further includes: a network access module; wherein, the network access module is specifically used for:
Before broadcasting the dynamic password to the collection device, access to the wireless local area network where the collection device is located based on wifi quick connect technology.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that the mobile payment device provided in the embodiments of the present invention and the mobile payment method provided in the embodiments of the present invention are based on the same inventive concept. Therefore, the specific implementation of the mobile payment device can refer to the implementation of the aforementioned mobile payment method. No longer.
Corresponding to the mobile payment method described in FIGS. 2 to 9 above, based on the same technical concept, an embodiment of the present invention also provides a mobile payment device. FIG. 12 is a schematic diagram of the module composition of the mobile payment device provided by the embodiment of the present invention. The device is used to execute the mobile payment method described in FIG. 9, the device is set on a cloud server, as shown in FIG. 12, the device includes:
The payment request receiving module 1201 is configured to receive a payment request uploaded by the payment device, where the payment request is generated by the payment device according to the dynamic password broadcast by the mobile terminal;
The target terminal determining module 1202 is configured to determine the target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored terminal-to-password correspondence;
The confirmation request sending module 1203 is configured to send a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request in response to the payment confirmation request and after detecting the deduction trigger signal sent by the payment collection device;
The deduction request receiving module 1204 is configured to receive the deduction request sent by the target mobile terminal, and perform deduction in the target account corresponding to the target mobile terminal based on the deduction request.
Optionally, the above-mentioned device further includes: a dynamic password issuance module; wherein the dynamic password issuance module is specifically used for:
Before receiving the payment request uploaded by the collection device, a dynamic password is generated and issued to the mobile terminal, and the corresponding relationship between the mobile terminal and the dynamic password is stored.
Optionally, the dynamic password includes: a random character string or a key.
Optionally, the payment request carries settlement information to be paid and the device identification of the payment collection device;
Correspondingly, the above device further includes: a confirmation request generation module; wherein the confirmation request generation module is specifically used for:
Before sending the payment confirmation request to the target mobile terminal, determine the payment information according to the settlement information to be paid; and determine the payee information according to the device identification of the payment device;
According to the payment information and the payee information, a payment confirmation request is generated.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that the mobile payment device provided in the embodiments of the present invention and the mobile payment method provided in the embodiments of the present invention are based on the same inventive concept. Therefore, the specific implementation of the mobile payment device can refer to the implementation of the aforementioned mobile payment method. No longer.
Corresponding to the mobile payment method described in Figures 2 to 9 above, based on the same technical concept, an embodiment of the present invention also provides a mobile payment system. Figure 13 is a schematic diagram of the module composition of the mobile payment system provided by an embodiment of the present invention. The system is used to implement the mobile payment method described in FIGS. 2-9. As shown in FIG. 13, the system includes: a collection device 10, a cloud server 20, and a mobile terminal 30 connected in sequence;
Wherein, the collection device 10 is used to obtain a dynamic password broadcast by at least one mobile terminal 30; determine a target dynamic password in the acquired dynamic password, generate a payment request according to the target dynamic password, and upload the payment request to the cloud The server 20; and sending a deduction trigger signal within a preset range;
The mobile terminal 30 is configured to broadcast a dynamic password to the collection device 10; receive a payment confirmation request issued by the cloud server 20; and for the payment confirmation request, upon detection of a deduction trigger signal sent by the collection device 10 Afterwards, send a deduction request to the cloud server 20;
The cloud server 20 is configured to receive payment requests uploaded by the payment collection device 10; determine the target mobile terminal 30 corresponding to the dynamic password according to the dynamic password and the pre-stored terminal-to-password correspondence; and send the target mobile terminal 30 to the target mobile terminal 30 Send a payment confirmation request; receive the deduction request sent by the target mobile terminal 30, and perform deduction in the target account corresponding to the target mobile terminal 30 based on the deduction request.
In the embodiment of the present invention, the mobile terminal 30 is associated with the collection device 10 based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so that neither the code scanning operation nor the mobile terminal 30 need to be The NFC function can quickly complete offline mobile payment, improving the convenience and versatility of offline mobile payment.
Among them, in a specific implementation, the process of information interaction among the collection device 10, the cloud server 20, and the mobile terminal 30 in the mobile payment system is specifically as follows:
The cloud server 20 periodically generates random character strings, and stores the corresponding relationship between the mobile terminal 30 and the random character strings. In order to reduce the amount of information processing of the cloud server 20, it is necessary to avoid unnecessary problems for non-payment users. Trouble, only after detecting that the mobile terminal 30 opens the designated application and triggers a preset click operation, the corresponding random character string is sent to the mobile terminal 30;
The cloud server 20 delivers the random character string to the corresponding mobile terminal 30;
After receiving the random character string, the mobile terminal 30 broadcasts the random character string to the collection device 10;
The payment collection device 10 determines the target random character string among the received at least one random character string;
The payment collection device 10 generates a payment request according to the determined target random character string;
The payment collection device 10 uploads the generated payment request to the cloud server 20, where the payment request carries the target random character string, its own device identification, and settlement information to be paid;
After receiving the payment request, the cloud server 20 determines the mobile terminal 30 corresponding to the target random character string according to the pre-stored correspondence relationship;
The cloud server 20 sends a payment confirmation request to the mobile terminal 30 corresponding to the target random character string, where the payment confirmation request carries merchant information and payment information;
After the mobile terminal 30 receives the payment confirmation request, it parses and displays the merchant information and payment information carried in the payment confirmation request, so that the consumer holding the mobile terminal 30 can confirm the merchant information and payment information, and the consumer confirms it. After the error is correct, put the mobile terminal 30 close to the collection device 10;
The payment collection device 10 radiates a magnetic field induction signal outward, wherein the magnetic field strength of the magnetic field induction signal at a preset distance from the payment collection device 10 is a preset intensity threshold, and the characteristic parameter of the magnetic field induction signal is a designated characteristic parameter;
The mobile terminal 30 generates a deduction request after the magnetic field intensity is greater than the preset intensity threshold of the magnetic field induction signal and the characteristic parameters are consistent with the specified characteristic parameters. In FIG. 7, the magnetic field intensity is greater than the preset intensity threshold within the range enclosed by the solid line, and only When the distance between the mobile terminal 30 and the payment collection device 10 is less than the preset distance, the deduction request is generated;
The mobile terminal 30 sends the generated deduction request to the cloud server 20;
After receiving the deduction request, the cloud server 20 debits the corresponding target account to complete the offline mobile payment.
In the mobile payment system in the embodiment of the present invention, first, the mobile terminal broadcasts their respective dynamic passwords, and after receiving the dynamic passwords, the collection device uploads the payment request generated according to the dynamic passwords to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. In the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so there is no need to perform a code scanning operation, nor does the mobile terminal have NFC function Offline mobile payment can be completed quickly, improving the convenience and versatility of offline mobile payment.
It should be noted that the mobile payment system provided in the embodiments of the present invention and the mobile payment method provided in the embodiments of the present invention are based on the same inventive concept. Therefore, the specific implementation of the mobile payment system can refer to the implementation of the aforementioned mobile payment method. No longer.
Further, corresponding to the methods shown in FIGS. 2 to 9 and based on the same technical concept, an embodiment of the present invention also provides a mobile payment device, which is used to execute the above mobile payment method, as shown in FIG. 14.
Mobile payment devices may have relatively large differences due to different configurations or performances, and may include one or more processors 1401 and memory 1402, and the memory 1402 may store one or more storage applications or data. Among them, the memory 1402 can be short-term storage or permanent storage. The application program stored in the memory 1402 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions for the mobile payment device. Furthermore, the processor 1401 may be configured to communicate with the memory 1402, and execute a series of computer-executable instructions in the memory 1402 on the mobile payment device. The mobile payment device may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input and output interfaces 1405, one or more keyboards 1406, and so on.
In a specific embodiment, the mobile payment device includes memory and one or more programs, one or more programs are stored in the memory, and one or more programs may include one or more modules , And each module may include a series of computer-executable instructions for the mobile payment device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
Obtain the dynamic password broadcast by at least one mobile terminal;
Determine the target dynamic password in the acquired dynamic password, generate a payment request based on the target dynamic password, and upload the payment request to the cloud server so that the cloud server sends to the target mobile terminal corresponding to the target dynamic password Payment confirmation request;
Send a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal.
Optionally, when the computer executable instruction is executed, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer executable instruction is executed, the deduction trigger signal includes: a magnetic field induction signal;
Said sending a deduction trigger signal within a preset range so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal, includes:
Radiating the generated magnetic field induction signal outwards, so that the target mobile terminal sends a deduction request to the cloud server after detecting the magnetic field induction signal and the magnetic field intensity is greater than a preset intensity threshold;
Wherein, the preset intensity threshold is determined according to the magnetic field intensity generated by the magnetic field induction signal at a preset distance from the payment collection device.
Optionally, when the computer-executable instructions are executed, the magnetic field induction signal generated by the outward radiation includes:
Generate a magnetic field induction signal with designated characteristic parameters, where the designated characteristic parameters include at least one of a designated working frequency, a designated working frequency change trend, and a designated magnetic field strength change trend;
The magnetic field induction signal with the designated characteristic parameters is radiated outward, so that the target mobile terminal determines that the detected magnetic field induction signal comes from the payment collection device and then sends a deduction request to the cloud server.
Optionally, when the computer-executable instructions are executed, acquiring the dynamic password broadcast by at least one mobile terminal includes:
Receive multiple dynamic passwords broadcast by multiple mobile terminals;
Said determining the target dynamic password in the acquired dynamic password includes:
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password.
Optionally, when the computer executable instruction is executed, the transmission parameter includes: signal strength;
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password, including:
According to the signal strength of each dynamic password, select the dynamic password with the highest signal strength;
The dynamic password with the highest signal strength is determined as the target dynamic password.
Optionally, when the computer executable instruction is executed, the transmission parameter includes: signal transmission time;
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password, including:
According to the signal transmission time of each dynamic password, select the dynamic password with the shortest signal transmission time;
The dynamic password with the shortest signal transmission time is determined as the target dynamic password.
Optionally, when the computer executable instruction is executed, the dynamic password is issued by the cloud server to the mobile terminal, and the cloud server stores the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, when the computer executable instruction is executed, the payment request generated according to the target dynamic password includes:
Obtain the settlement information to be paid and the device identification of the collection device;
According to the target dynamic password, the settlement information and the device identification, a payment request is generated.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions:
The collection device and the mobile terminal are located on different networks;
Before obtaining the dynamic password broadcast by at least one mobile terminal, it also includes:
Based on the wifi fast connection technology, the mobile terminal is controlled to access the wireless local area network where the collection device is located.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts its own dynamic password, and after the receiving device obtains the dynamic password, it uploads the payment request generated according to the dynamic password to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. It can be seen that the mobile payment device in the embodiment of the present invention realizes the association between the mobile terminal and the payment device based on the dynamic password, and at the same time, automatically triggers the deduction confirmation based on the deduction trigger signal, so that there is no need to perform a code scanning operation, nor Offline mobile payment can be completed quickly without the mobile terminal having NFC function, which improves the convenience and versatility of offline mobile payment.
In another specific embodiment, the mobile payment device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs may include one or more modules. Each module may include a series of computer-executable instructions for the mobile payment device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
Broadcast the dynamic password to the receiving device so that the receiving device uploads the payment request generated according to the dynamic password to the cloud server after receiving the dynamic password;
Receiving a payment confirmation request issued by the cloud server, where the payment confirmation request is generated by the cloud server according to the payment request uploaded by the payment device;
In response to the payment confirmation request, after detecting the deduction trigger signal sent by the collection device, it sends a deduction request to the cloud server, so that the cloud server uses the deduction request in the target account corresponding to the mobile terminal Deductions in the process.
Optionally, when the computer executable instruction is executed, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer executable instruction is executed, the deduction trigger signal includes: a magnetic field induction signal;
The sending a deduction request to the cloud server after detecting the deduction trigger signal sent by the payment collection device includes:
After detecting the magnetic field induction signal sent by the collection device, it is determined whether the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold. The preset intensity threshold is based on the magnetic field induction signal at a distance from the collection device. Determined by the strength of the magnetic field generated by the distance;
If yes, send a deduction request to the cloud server.
Optionally, when the computer-executable instructions are executed, sending a deduction request to the cloud server includes:
After determining that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, determine whether the characteristic parameters of the magnetic field induction signal are consistent with the designated characteristic parameters, where the designated characteristic parameters include: designated operating frequency, designated operating frequency change trend, designated At least one of the changing trends of magnetic field strength;
If yes, send a deduction request to the cloud server.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions:
Before broadcasting the dynamic password to the collection device, it also includes:
Receive the dynamic password issued by the cloud server, where the cloud server stores the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions:
After receiving the payment confirmation request issued by the cloud server, it also includes:
Analyze the payment confirmation request to obtain the payee information and payment information;
Display the payee information and the payment information.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions: the payment collection device and the mobile terminal are located on different networks;
Before broadcasting the dynamic password to the collection device, it also includes:
Access the wireless local area network where the collection device is located based on the wifi fast connection technology.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts its own dynamic password, and after the receiving device obtains the dynamic password, it uploads the payment request generated according to the dynamic password to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. It can be seen that the mobile payment device in the embodiment of the present invention realizes the association between the mobile terminal and the payment device based on the dynamic password, and at the same time, automatically triggers the deduction confirmation based on the deduction trigger signal, so that there is no need to perform a code scanning operation, nor Offline mobile payment can be completed quickly without the mobile terminal having NFC function, which improves the convenience and versatility of offline mobile payment.
In another specific embodiment, the mobile payment device includes a memory and one or more programs, one or more programs are stored in the memory, and the one or more programs may include one or more modules. Each module may include a series of computer-executable instructions for the mobile payment device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
Receive a payment request uploaded by the payment collection device, where the payment request is generated by the payment collection device according to the dynamic password broadcast by the mobile terminal;
Determine the target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored terminal-to-password correspondence;
Sending a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request in response to the payment confirmation request and after detecting the deduction trigger signal sent by the payment collection device;
Receive the deduction request sent by the target mobile terminal, and perform deduction in the target account corresponding to the target mobile terminal based on the deduction request.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions:
Before receiving the payment request uploaded by the collection device, it also includes:
Generate and issue a dynamic password to the mobile terminal, and store the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, when the computer executable instruction is executed, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer-executable instructions are executed, they also include the following computer-executable instructions:
The payment request carries the settlement information to be paid and the device identification of the collection device;
Before sending the payment confirmation request to the target mobile terminal, it also includes:
The payment information is determined according to the settlement information to be paid; and the payee information is determined according to the device identification of the payment device;
According to the payment information and the payee information, a payment confirmation request is generated.
In the mobile payment device in the embodiment of the present invention, first, the mobile terminal broadcasts its own dynamic password, and after the receiving device obtains the dynamic password, it uploads the payment request generated according to the dynamic password to the cloud server; then, the cloud server Send a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After the mobile terminal receives the payment confirmation request and detects the deduction trigger signal sent by the collection device, it automatically sends the deduction request to the cloud server; finally, the cloud The server performs a deduction operation based on the deduction request. It can be seen that the mobile payment device in the embodiment of the present invention realizes the association between the mobile terminal and the payment device based on the dynamic password, and at the same time, automatically triggers the deduction confirmation based on the deduction trigger signal, so that there is no need to perform a code scanning operation, nor Offline mobile payment can be completed quickly without the mobile terminal having NFC function, which improves the convenience and versatility of offline mobile payment.
Further, corresponding to the methods shown in FIGS. 2 to 9 above, based on the same technical concept, an embodiment of the present invention also provides a storage medium for storing computer-executable instructions. In a specific embodiment, the storage medium It can be a flash drive, optical disk, hard disk, etc. The computer executable instructions stored in the storage medium can realize the following processes when being executed by the processor:
Obtain the dynamic password broadcast by at least one mobile terminal;
Determine the target dynamic password in the acquired dynamic password, generate a payment request based on the target dynamic password, and upload the payment request to the cloud server so that the cloud server sends to the target mobile terminal corresponding to the target dynamic password Payment confirmation request;
Send a deduction trigger signal within a preset range, so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the deduction trigger signal includes: a magnetic field induction signal;
Said sending a deduction trigger signal within a preset range so that the target mobile terminal sends a deduction request to the cloud server in response to the payment confirmation request and after detecting the deduction trigger signal, includes:
Radiating the generated magnetic field induction signal outwards, so that the target mobile terminal sends a deduction request to the cloud server after detecting the magnetic field induction signal and the magnetic field intensity is greater than a preset intensity threshold;
Wherein, the preset intensity threshold is determined according to the magnetic field intensity generated by the magnetic field induction signal at a preset distance from the payment collection device.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the magnetic field induction signal generated by the outward radiation includes:
Generate a magnetic field induction signal with designated characteristic parameters, where the designated characteristic parameters include at least one of a designated working frequency, a designated working frequency change trend, and a designated magnetic field strength change trend;
The magnetic field induction signal with the designated characteristic parameters is radiated outward, so that the target mobile terminal determines that the detected magnetic field induction signal comes from the payment collection device and then sends a deduction request to the cloud server.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, acquiring the dynamic password broadcast by at least one mobile terminal includes:
Receive multiple dynamic passwords broadcast by multiple mobile terminals;
Said determining the target dynamic password in the acquired dynamic password includes:
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the transmission parameters include: signal strength;
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password, including:
According to the signal strength of each dynamic password, select the dynamic password with the highest signal strength;
The dynamic password with the highest signal strength is determined as the target dynamic password.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the transmission parameters include: signal transmission time;
According to the transmission parameters of each dynamic password, the dynamic password broadcast by the mobile terminal with the smallest distance from the collection device is selected as the target dynamic password, including:
According to the signal transmission time of each dynamic password, select the dynamic password with the shortest signal transmission time;
The dynamic password with the shortest signal transmission time is determined as the target dynamic password.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the dynamic password is issued to the mobile terminal by the cloud server, and the cloud server stores a link between the mobile terminal and the dynamic password. The corresponding relationship.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, generating a payment request according to the target dynamic password includes:
Obtain the settlement information to be paid and the device identification of the collection device;
According to the target dynamic password, the settlement information and the device identification, a payment request is generated.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
The collection device and the mobile terminal are located on different networks;
Before obtaining the dynamic password broadcast by at least one mobile terminal, it also includes:
Based on the wifi fast connection technology, the mobile terminal is controlled to access the wireless local area network where the collection device is located.
When the computer-executable instructions stored in the storage medium in the embodiment of the present invention are executed by the processor, first, the mobile terminal broadcasts their respective dynamic passwords. After receiving the dynamic passwords, the payment device will generate a payment request based on the dynamic passwords. Upload to the cloud server; then, the cloud server sends a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After receiving the payment confirmation request and detecting the deduction trigger signal from the receiving device, the mobile terminal automatically sends The cloud server sends a deduction request; finally, the cloud server performs a deduction operation based on the deduction request. It can be seen that through the storage medium in the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so that there is no need to perform code scanning operations, nor Mobile terminals with NFC function can quickly complete offline mobile payments, improving the convenience and versatility of offline mobile payments.
In another specific embodiment, the storage medium may be a flash drive, an optical disk, a hard disk, etc., and the computer-executable instructions stored in the storage medium can implement the following process when executed by the processor:
Broadcast the dynamic password to the receiving device so that the receiving device uploads the payment request generated according to the dynamic password to the cloud server after receiving the dynamic password;
Receiving a payment confirmation request issued by the cloud server, where the payment confirmation request is generated by the cloud server according to the payment request uploaded by the payment device;
In response to the payment confirmation request, after detecting the deduction trigger signal sent by the collection device, it sends a deduction request to the cloud server, so that the cloud server uses the deduction request in the target account corresponding to the mobile terminal Deductions in the process.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the deduction trigger signal includes: a magnetic field induction signal;
The sending a deduction request to the cloud server after detecting the deduction trigger signal sent by the payment collection device includes:
After detecting the magnetic field induction signal sent by the collection device, it is determined whether the magnetic field intensity of the magnetic field induction signal is greater than a preset intensity threshold. The preset intensity threshold is based on the magnetic field induction signal at a distance from the collection device. Determined by the strength of the magnetic field generated by the distance;
If yes, send a deduction request to the cloud server.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the sending a deduction request to the cloud server includes:
After determining that the magnetic field intensity of the magnetic field induction signal is greater than the preset intensity threshold, determine whether the characteristic parameters of the magnetic field induction signal are consistent with the designated characteristic parameters, where the designated characteristic parameters include: designated operating frequency, designated operating frequency change trend, designated At least one of the changing trends of magnetic field strength;
If yes, send a deduction request to the cloud server.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
Before broadcasting the dynamic password to the collection device, it also includes:
Receive the dynamic password issued by the cloud server, where the cloud server stores the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
After receiving the payment confirmation request issued by the cloud server, it also includes:
Analyze the payment confirmation request to obtain the payee information and payment information;
Display the payee information and the payment information.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
The collection device and the mobile terminal are located on different networks;
Before broadcasting the dynamic password to the collection device, it also includes:
Access the wireless local area network where the collection device is located based on the wifi fast connection technology.
When the computer-executable instructions stored in the storage medium in the embodiment of the present invention are executed by the processor, first, the mobile terminal broadcasts their respective dynamic passwords. After receiving the dynamic passwords, the payment device will generate a payment request based on the dynamic passwords. Upload to the cloud server; then, the cloud server sends a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After receiving the payment confirmation request and detecting the deduction trigger signal from the receiving device, the mobile terminal automatically sends The cloud server sends a deduction request; finally, the cloud server performs a deduction operation based on the deduction request. It can be seen that through the storage medium in the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so that there is no need to perform code scanning operations, nor Mobile terminals with NFC function can quickly complete offline mobile payments, improving the convenience and versatility of offline mobile payments.
In another specific embodiment, the storage medium may be a flash drive, an optical disk, a hard disk, etc., when the computer executable instructions stored in the storage medium are executed by the processor, the following process can be realized:
Receive a payment request uploaded by the payment collection device, where the payment request is generated by the payment collection device according to the dynamic password broadcast by the mobile terminal;
Determine the target mobile terminal corresponding to the dynamic password according to the dynamic password and the pre-stored terminal-to-password correspondence;
Sending a payment confirmation request to the target mobile terminal, so that the target mobile terminal sends a deduction request in response to the payment confirmation request and after detecting the deduction trigger signal sent by the payment collection device;
Receive the deduction request sent by the target mobile terminal, and perform deduction in the target account corresponding to the target mobile terminal based on the deduction request.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
Before receiving the payment request uploaded by the collection device, it also includes:
Generate and issue a dynamic password to the mobile terminal, and store the corresponding relationship between the mobile terminal and the dynamic password.
Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the dynamic password includes: a random character string or a secret key.
Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the following processes are also implemented:
The payment request carries the settlement information to be paid and the device identification of the collection device;
Before sending the payment confirmation request to the target mobile terminal, it also includes:
The payment information is determined according to the settlement information to be paid; and the payee information is determined according to the device identification of the payment device;
According to the payment information and the payee information, a payment confirmation request is generated.
When the computer-executable instructions stored in the storage medium in the embodiment of the present invention are executed by the processor, first, the mobile terminal broadcasts their respective dynamic passwords. After receiving the dynamic passwords, the payment device will generate a payment request based on the dynamic passwords. Upload to the cloud server; then, the cloud server sends a payment confirmation request to the corresponding target mobile terminal according to the dynamic password. After receiving the payment confirmation request and detecting the deduction trigger signal from the receiving device, the mobile terminal automatically sends The cloud server sends a deduction request; finally, the cloud server performs a deduction operation based on the deduction request. It can be seen that through the storage medium in the embodiment of the present invention, the mobile terminal is associated with the collection device based on the dynamic password, and at the same time, the deduction confirmation is automatically triggered based on the deduction trigger signal, so that there is no need to perform code scanning operations, nor Mobile terminals with NFC function can quickly complete offline mobile payments, improving the convenience and versatility of offline mobile payments.
In the 1990s, the improvement of a technology can be clearly distinguished from the improvement of the hardware (for example, the improvement of the circuit structure of diodes, transistors, switches, etc.) or the improvement of the software (for the process of the method). Improve). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a PLD without requiring the chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized by using "logic compiler" software, which is similar to the software compiler used in program development and writing, but requires compilation. The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., currently the most Commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that only a little logic programming of the method flow in the above hardware description languages and programming into the integrated circuit can easily obtain the hardware circuit that implements the logic method flow.
The controller can be implemented in any suitable manner. For example, the controller can be a microprocessor or a processor, and a computer readable program code (such as software or firmware) that can be executed by the (micro) processor. Medium, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers and the form of embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, dedicated integrated circuits, and programmable logic controllers. And the form of embedded microcontroller etc. realizes the same function. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.
The systems, devices, modules, or units explained in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a notebook computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, and a wearable device. Or a combination of any of these devices.
For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing the present invention, the functions of each unit can be implemented in the same or multiple software and/or hardware.
Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes. .
The present invention is described with reference to flowcharts and/or block diagrams of methods, equipment (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, dedicated computers, embedded processors, or other programmable data processing equipment to generate a machine that can be executed by the processors of the computer or other programmable data processing equipment A device for realizing the functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram is generated.
These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including the instruction device , The instruction device realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operating steps are performed on the computer or other programmable equipment to generate computer-implemented processing, so that the computer or other programmable equipment The instructions executed above provide steps for implementing functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram.
In a typical configuration, the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and internal memory.
Internal memory may include non-permanent memory in computer-readable media, random access memory (RAM) and/or non-volatile internal memory, such as read-only memory (ROM) or flash memory (flash RAM). Internal memory is an example of computer-readable media.
Computer-readable media include permanent and non-permanent, movable and non-movable media, and information storage can be realized by any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change internal memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM). ), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other internal memory technology, CD-ROM, digital Versatile discs (DVD) or other optical storage, magnetic cassettes, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or they also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.
Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes. .
The invention can be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present invention can also be practiced in distributed computing environments. In these distributed computing environments, remote processing devices connected through a communication network perform tasks. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.
The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.
The foregoing descriptions are merely embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the scope of the patent application of the present invention.
