TWI807005B - Reception terminal, user terminal, and payment method - Google Patents

Abstract

The invention relates to an acceptance terminal, a user terminal and a payment method. The acceptance terminal includes: a communication module, used to receive instructions from the outside; an instruction analysis module, used to analyze the instructions received by the communication module and convert the instructions into executable commands; a payment processing module, used to call corresponding payment sub-modules in the payment module according to the executable commands; and a payment module, used to realize payment, including payment sub-modules of more than one payment method. According to the present invention, it is possible to save the two actions of the cashier asking the customer which payment method and clicking the function table according to the customer's answer when the cashier receives the cash, which simplifies the cash register process and saves the time for payment.

Description

Reception terminal, user terminal, and payment method

The invention relates to a computer algorithm, in particular to an acceptance terminal, a user terminal and a payment method.

The current payment process usually involves the cashier inputting the amount, asking the customer about the payment method, and then clicking the corresponding payment method on the acceptance terminal to complete the payment using the acceptance terminal. The cashier needs to have two actions: asking the customer and clicking the menu, and the process is relatively complicated.

In addition, some of the existing patents that use ultrasound, Bluetooth, and WiFi, such as CN201410185861.1, invention name "Code keyboard, payment system and its payment method" patent application, and the application number CN201180030408.8, the invention name "close -range security data communication method based on sound waves or audio" and its device. The applications for the use of ultrasound, Bluetooth, and WiFi are used as a payment method, but they did not simplify the payment process as a control method.

The information disclosed in the Background of the Invention section is only intended to increase the understanding of the general background of the invention, and should not be taken as an acknowledgment or in any form to imply that the information constitutes the prior art that is already known to those skilled in the art.

In view of the above problems, the present invention aims to provide an acceptance terminal, a payment system and a payment method that can shorten the payment time and save the payment process.

The acceptance terminal of the present invention is characterized in that it comprises: a communication module, used to receive instructions from the outside; an instruction analysis module, used to analyze the instructions received by the communication module and convert the instructions into executable commands; a payment processing module, used to call corresponding payment sub-modules in the following payment modules according to the executable commands; and a payment module, used to realize payment, including more than one payment sub-modules of different payment methods. Optionally, the communication module includes more than one of the following sub-modules: an ultrasonic sub-module for receiving instructions transmitted through ultrasonic waves; a bluetooth communication sub-module for receiving instructions transmitted through bluetooth; a wifi sub-module for receiving instructions transmitted through a wifi wireless network; an ultra-wideband communication sub-module for receiving instructions transmitted through ultra-wideband; and a Zigbee communication sub-module for receiving instructions transmitted based on a Zigbee wireless communication network.

Optionally, the instruction analysis module is configured to analyze the instruction received by the communication module to identify the payment method included in the instruction.

The user terminal of the present invention is characterized by comprising: an instruction generating module for generating an instruction representing the payment method to be adopted by the user; and a communication module for sending the instruction generated by the instruction generating module.

Optionally, the communication module includes one or more of the following sub-modules: an ultrasonic sub-module for sending instructions through ultrasonic waves; a bluetooth communication sub-module for sending instructions through bluetooth; a wifi sub-module for sending instructions through a wifi wireless network; an ultra-wideband communication sub-module for sending instructions through ultra-wideband transmission; and a Zigbee communication sub-module for sending instructions based on a Zigbee wireless communication network.

The payment method of the present invention is characterized in that it includes: a receiving step, receiving an external instruction; an instruction analyzing step, analyzing the received instruction and converting the instruction into an executable command; and a payment processing step, calling a corresponding payment module according to the executable command to perform payment processing.

Optionally, in the receiving step: receiving an instruction transmitted through ultrasonic waves; or receiving an instruction transmitted through Bluetooth; or receiving an instruction transmitted through a wireless network; or receiving an instruction transmitted through ultra-wideband; or Receive instructions based on Zigbee wireless communication network transmission.

Optionally, in the instruction analyzing step, the instruction received in the receiving step is analyzed to identify the payment method included in the instruction.

The computer-readable medium of the present invention has a computer program stored thereon, and is characterized in that, when the computer program is executed by a processor, the above-mentioned payment method is realized.

The computer equipment of the present invention includes a memory, a processor, and a computer program stored in the memory and operable on the processor, wherein the processor implements the above-mentioned payment method when executing the computer program.

According to the acceptance terminal, payment system and payment method of the present invention, the payment experience can be simplified. When the user uses the payment method, the user terminal "informs" the payment method used by the acceptance terminal user through the communication channel, so that the acceptance terminal does not need the cashier to operate, and automatically invokes the module of the corresponding payment method to complete the payment. Therefore, using the present invention, it is possible to save the two actions of the cashier asking the customer which payment method and clicking the menu according to the customer's answer when the cashier receives the cash, which simplifies the cash register process and saves the time for payment.

Other features and advantages possessed by the method and apparatus of the invention will become more particularly apparent or be elucidated by the drawings incorporated herein and the following detailed description which, together with the drawings, serve to illustrate some principles of the invention.

100: acceptance terminal

110: Communication module

120: Instruction analysis module

130:Payment processing module

140:Payment module

111:Ultrasonic sub-module

112:Bluetooth communication sub-module

113: wifi sub-module

114:Ultra-wideband communication sub-module

115: Zigbee communication sub-module

141: QR code payment sub-module

142: NFC payment sub-module

200: user terminal

210: Instruction generation module

220: Communication module

221:Ultrasonic sub-module

222: Bluetooth communication sub-module

223: wifi sub-module

224:Ultra-wideband communication sub-module

225: Zigbee communication sub-module

S100: receiving step

S200: instruction analysis step

S300: Payment processing steps

FIG. 1 is a schematic diagram showing the structure of a reception terminal according to an embodiment of the present invention.

FIG. 2 is a schematic structural diagram of a user terminal according to an embodiment of the present invention.

Fig. 3 is a flow chart showing the payment method of the present invention.

Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

FIG. 1 is a schematic diagram showing the structure of a reception terminal according to an embodiment of the present invention.

As shown in FIG. 1 , an acceptance terminal 100 according to an embodiment of the present invention includes: a communication module 110 , an instruction analysis module 120 , a payment processing module 130 and a payment module 140 . Wherein, the communication module 110 is used to receive instructions from the outside, the instruction analysis module 120 is used to analyze the instructions received by the communication module 110 and convert the instructions into executable commands, and the payment processing module 130 is used to call the corresponding payment sub-module in the payment module 140 according to the executable commands.

Among them, the communication module 110 may include, but not limited to, one or more of the following sub-modules (can also include other short-distance communication modules not shown in the figure), these sub-modules include: ultrasonic sub-module 111, used to receive ultrasonic transmission order; bluetooth communication sub-module 112, used to receive instructions transmitted by bluetooth; wifi sub-module 113, used to receive instructions transmitted through wifi wireless network; ultra-wideband communication sub-module 114, used to receive instructions transmitted through ultra-wideband; and Zigbee communication sub-module 115, used to receive instructions transmitted based on Zigbee wireless communication network.

Wherein, the payment module 140 may include, but not limited to, one or more of the following payment submodules. These payment submodules may be, for example: a two-dimensional code payment submodule 141 ; and an NFC payment submodule 142 .

The instruction analysis module 120 is used to analyze the instruction received by the communication module 110 to identify the payment method that the user will adopt included in the instruction. When the user is about to adopt the two-dimensional code payment method, the instruction analysis module 120 parses the received instruction and recognizes that the user will adopt the two-dimensional code method, then the payment processing module 130 calls the two-dimensional code payment submodule 141 in the payment module 140; 42.

Next, the user terminal used by the user to make payment will be described.

FIG. 2 is a diagram of a user terminal according to an embodiment of the present invention Construction diagram.

The user terminal 200 shown in FIG. 2 and the reception terminal 100 shown in FIG. 1 constitute a payment system.

As shown in FIG. 2 , the user terminal 200 according to an embodiment of the present invention includes: an instruction generating module 210 for generating an instruction representing the payment method to be adopted by the user; and a communication module 220 for sending the instruction generated by the instruction generating module.

Wherein, the communication module 220 can include, but not limited to, one or more of the following submodules (can also include other short-distance communication modules not shown in the figure), these submodules include: ultrasonic submodule 221, for sending instructions through ultrasonic waves; Bluetooth communication submodule 222, for sending instructions through Bluetooth; wifi submodule 223, for sending instructions through wifi wireless networks; Group 225 is used for sending commands based on the Zigbee wireless communication network.

In this way, when the user wants to adopt a two-dimensional code payment method, the instruction generation module 210 generates an instruction indicating that the user will adopt a two-dimensional code payment method, and the instruction is sent to the acceptance terminal 100 through the communication module 220 of the user terminal 200 and received by the communication module 110 of the acceptance terminal 100; when the user wants to adopt the NFC payment method, the instruction generation module The group 210 generates an instruction indicating that the user wants to adopt the NFC payment method, and the instruction is sent to the acceptance terminal 100 through the communication module 220 of the user terminal 200 and received by the communication module 110 of the acceptance terminal 100 .

The reception terminal 100 and the user terminal 200 of the present invention have been described above. Next, the payment method of the present invention will be described.

Fig. 3 is a flow chart showing the payment method of the present invention.

As shown in FIG. 3 , the payment method of the present invention includes: a receiving step S100, the acceptance terminal 100 receives an external instruction; an instruction analysis step S200, the acceptance terminal 100 parses the received instruction and converts the instruction into an executable command; and a payment processing step S300, the acceptance terminal 100 invokes a corresponding payment module according to the executable command to perform payment processing.

Wherein, in the receiving step S100, receiving an instruction transmitted through ultrasonic waves; or receiving an instruction transmitted through Bluetooth; or receiving an instruction transmitted through a wireless network; or receiving an instruction transmitted through ultra-wideband; or receiving an instruction transmitted based on a Zigbee wireless communication network.

In the instruction analyzing step S200, the instruction received in the receiving step S100 is analyzed to identify the payment method included in the instruction.

Next, several specific examples of the payment system and payment method of the present invention will be described.

Example 1

In Embodiment 1, the communication method is ultrasonic, and the payment method is QR code payment.

The payment method of this embodiment includes the following processes: (1) the customer selects two-dimensional code payment on his user terminal 200 (such as a mobile phone), the instruction generation module 210 of the user terminal 200 generates a two-dimensional code payment instruction and the ultrasonic sub-module 221 of the user terminal 200 sends the instruction through an ultrasonic channel; (2) the ultrasonic sub-module 111 of the acceptance terminal 100 receives the two-dimensional code payment instruction sent by the user terminal 200; (2) the ultrasonic sub-module 111 of the acceptance terminal 100 sends the instruction To the instruction analysis module 120; (3) After the instruction analysis module 120 parses the instruction and obtains that the payment method is a two-dimensional code payment, the payment processing module 130 transfers the two-dimensional code payment sub-module 141 in the payment module 140, and the acceptance terminal 100 jumps to the two-dimensional code scanning interface; (4) the cashier uses the acceptance terminal 100 to scan the two-dimensional code on the user terminal 200 to complete the payment.

Example 2

In Embodiment 2, the communication method is ultrasonic, and the payment method is NFC payment.

The payment method of the present embodiment includes the following processes: (1) the customer selects NFC payment on his user terminal 200 (such as a mobile phone), and the instruction generation module 210 of the user terminal 200 generates an NFC payment instruction; (2) The ultrasonic submodule 111 of the acceptance terminal 100 receives the NFC payment instruction sent by the user terminal 200; (2) The ultrasonic submodule 111 of the acceptance terminal 100 sends the instruction to the instruction analysis module 120; (3) After the instruction analysis module 120 parses the instruction and obtains that the payment method is NFC payment, the payment processing module 130 transfers the NFC payment in the payment module 140 In the sub-module 142, the acceptance terminal 100 prompts the user to bring the user terminal 200 close to the sensing area to pay, and the prompt method can be voice broadcast; (4) the user brings the user terminal 200 close to the sensing area, and the payment is completed.

Example 3

In Embodiment 3, the communication method is Bluetooth, and the payment method is QR code payment.

The payment method of this embodiment includes the following processes: (1) the customer selects two-dimensional code payment on his user terminal 200 (such as a mobile phone), the instruction generation module 210 of the user terminal 200 generates a two-dimensional code payment instruction and the Bluetooth communication sub-module 222 of the user terminal 200 sends the instruction through the Bluetooth channel; (2) the Bluetooth communication sub-module 112 of the acceptance terminal 100 receives the two-dimensional code payment instruction sent by the user terminal 200; Send the command to the command analysis module 120; (3) After the instruction analysis module 120 parses the instruction and finds that the payment method is the two-dimensional code payment, the payment processing module 130 calls the two-dimensional code payment sub-module 141 in the payment module 140, and the acceptance terminal 100 jumps to the two-dimensional code scanning interface; (4) The cashier uses the acceptance terminal 100 to scan the two-dimensional code on the user terminal 200 to complete the payment.

Example 4

In Embodiment 4, the communication method is Bluetooth, and the payment method is NFC payment.

The payment method of this embodiment includes the following processes: (1) the customer selects NFC payment on his user terminal 200 (such as a mobile phone), the command generation module 210 of the user terminal 200 generates an NFC payment command and the Bluetooth communication sub-module 222 of the user terminal 200 sends the command using a Bluetooth channel; (2) the Bluetooth communication sub-module 112 of the acceptance terminal 100 receives the NFC payment command from the user terminal 200; The command is sent to the command analysis module 120; (3) the command analysis module 120 parses the command and obtains that the payment method is NFC payment, and the payment processing module 130 transfers the NFC payment sub-module 142 in the payment module 140, and the acceptance terminal 100 prompts the user to pay the user terminal 200 close to the sensing area, and the prompt mode can be selected as a voice broadcast; (4) the user brings the user terminal 200 close to the sensing area, and the payment is completed.

Example 5

In Embodiment 5, the communication method is wifi, and the payment method is QR code payment.

The payment method of this embodiment includes the following processes: (1) the customer selects two-dimensional code payment on his user terminal 200 (such as a mobile phone), the instruction generation module 210 of the user terminal 200 generates a two-dimensional code payment instruction and the wifi sub-module 223 of the user terminal 200 uses wifi to send the instruction; (2) the wifi sub-module 113 of the acceptance terminal 100 receives the two-dimensional code payment instruction sent by the user terminal 200; (2) the wifi sub-module 113 of the acceptance terminal 100 The command is sent to the command analysis module 120; (3) the command analysis module 120 analyzes the command and obtains that the payment method is a two-dimensional code payment, and the payment processing module 130 calls the two-dimensional code payment sub-module 141 in the payment module 140, and the acceptance terminal 100 jumps to the two-dimensional code scanning interface; (4) the cashier uses the acceptance terminal 100 to scan the two-dimensional code on the user terminal 200 to complete the payment.

Example 6

In Embodiment 6, the communication method is wifi, and the payment method is NFC payment.

The payment method of the present embodiment includes the following processes: (1) the customer selects NFC payment on his user terminal 200 (such as a mobile phone), and the instruction generation module 210 of the user terminal 200 generates an NFC payment instruction; Order and the wifi sub-module 223 of the user terminal 200 uses wifi to send out the instruction; (2) the wifi sub-module 113 of the acceptance terminal 100 receives the NFC payment instruction sent by the user terminal 200; (2) the wifi sub-module 113 of the acceptance terminal 100 sends the instruction to the instruction analysis module 120; (3) the instruction analysis module 120 parses the instruction and obtains that the payment method is NFC payment, and the payment processing module 130 transfers the payment module In the NFC payment sub-module 142 in 140, the acceptance terminal 100 prompts the user to bring the user terminal 200 close to the sensing area to pay, and the prompt mode can be selected as voice broadcast; (4) the user brings the user terminal 200 close to the sensing area, and the payment is completed.

The present invention also provides a computer-readable medium, on which a computer program is stored, which is characterized in that, when the computer program is executed by a processor, any one of the above-mentioned payment methods is realized.

The present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and operable on the processor, characterized in that, when the processor executes the computer program, any one of the above payment methods is realized.

According to the payment system and payment method of the present invention, the payment experience can be simplified. When the user uses the payment method, the user terminal "informs" the payment method used by the accepting terminal user through the communication channel, so that the accepting terminal does not need to be operated by a cashier, and automatically activates the module of the corresponding payment method to complete the payment. Utilize the present invention, can save the cashier needing to ask the customer which payment method and click again according to the customer's answer. These two actions of the energy meter simplifies the cash register process and saves payment time.

The above examples mainly illustrate the acceptance terminal, user terminal and payment method of the present invention. Although only some specific embodiments of the present invention have been described, those skilled in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. Therefore, the shown examples and implementations are to be regarded as illustrative rather than restrictive, and the present invention may cover various modifications and substitutions without departing from the spirit and scope of the present invention as defined by the appended patent claims.

100‧‧‧acceptance terminal

110‧‧‧Communication module

111‧‧‧ultrasonic sub-module

112‧‧‧Bluetooth communication sub-module

113‧‧‧wifi sub-module

114‧‧‧Ultra-wideband communication sub-module

115‧‧‧Zigbee communication sub-module

120‧‧‧Command analysis module

130‧‧‧Payment processing module

140‧‧‧Payment module

141‧‧‧QR code payment sub-module

142‧‧‧NFC payment sub-module

Claims (8)

An acceptance terminal, comprising: a communication module, used to receive instructions from the outside; an instruction analysis module, used to analyze the instructions received by the communication module and convert the instructions into executable commands; a payment processing module, used to call the corresponding payment sub-module in the following payment module according to the executable command; Instructions to identify the payment method included in the instruction, wherein the payment method refers to the payment method using a two-dimensional code or the NFC payment method, wherein, if the instruction analysis module parses the instruction and recognizes that the payment method included in the instruction is the two-dimensional code payment method, the payment processing module calls the two-dimensional code payment sub-module in the payment module, so that the acceptance terminal jumps to the two-dimensional code scanning interface and completes the payment using the two-dimensional code, and wherein, if the instruction analysis module parses the instruction and recognizes that the payment method included in the instruction is the above-mentioned NFC payment method, then the payment processing module calls the NFC payment sub-module in the payment module, so that the acceptance terminal prompts the user to bring the user terminal close to the acceptance terminal The induction area to complete the payment. The acceptance terminal as described in Item 1 of the scope of the patent application, wherein the communication module includes one or more of the following submodules: an ultrasonic submodule for receiving instructions transmitted through ultrasonic waves; a bluetooth communication submodule for receiving instructions transmitted through bluetooth; a wifi submodule for receiving instructions transmitted through a wifi wireless network; an ultra-wideband communication submodule for receiving instructions transmitted through ultra-wideband; and a Zigbee communication submodule for receiving instructions transmitted based on a Zigbee wireless communication network. A user terminal, comprising: an instruction generation module, used to generate an instruction representing the payment method to be adopted by the user; and a communication module, used to send the instruction generated by the instruction generation module to the acceptance terminal, wherein the payment method refers to the payment method using a two-dimensional code or the NFC payment method, and the acceptance terminal further includes: an instruction analysis module, used to analyze the instruction and convert the instruction into an executable command; a payment processing module, used to call the following payment according to the executable command The corresponding payment sub-module in the payment module; and the payment module, which is used to realize the payment, including payment sub-modules of more than one different payment methods, the payment sub-module includes a two-dimensional code payment sub-module and an NFC payment sub-module, and the instruction analysis module is used to analyze the instruction received by the communication module to identify the payment method contained in the instruction. The two-dimensional code payment sub-module makes the accepting terminal jump to the two-dimensional code scanning interface to complete the payment using the two-dimensional code, and wherein, if the instruction analysis module parses the instruction and recognizes that the payment method contained in the instruction is the NFC payment method, the payment processing module calls the NFC payment sub-module in the payment module, so that the acceptance terminal prompts the user to bring the user terminal close to the sensing area of the acceptance terminal to complete the payment. The user terminal as described in item 3 of the scope of the patent application, wherein the communication module includes one or more of the following submodules: an ultrasonic submodule, used to send instructions through ultrasonic waves; a Bluetooth communication submodule, used to send instructions through Bluetooth; a wifi submodule, used to send instructions through a wifi wireless network; an ultra-wideband communication submodule, used to send instructions through ultra-wideband transmission; The Zigbee communication sub-module is used to send instructions based on the Zigbee wireless communication network. A payment method, comprising: a receiving step, receiving an instruction from the outside; an instruction analyzing step, analyzing the received instruction and converting the instruction into an executable command; and a payment processing step, calling a payment submodule of a corresponding payment method according to the executable command to perform payment processing, the payment submodule includes a two-dimensional code payment submodule and an NFC payment submodule, and in the instruction analysis step, analyzing the instruction received in the receiving step to identify the payment method included in the instruction, wherein the payment method refers to the payment method using a two-dimensional code or using an NFC payment method , wherein, if the instruction is parsed in the instruction analysis step and the payment method included in the instruction is identified as the two-dimensional code payment method, then the payment processing step calls the two-dimensional code payment submodule, so that the acceptance terminal jumps to the two-dimensional code scanning interface and uses the two-dimensional code to complete the payment, and wherein, if the instruction analysis step parses the instruction and recognizes that the payment method included in the instruction is the NFC payment method, then calls the NFC payment submodule in the payment processing step, so that the acceptance terminal prompts the user to bring the user terminal closer to the sensing area of the acceptance terminal And complete the payment. The payment method described in item 5 of the scope of the patent application, wherein, in the In the receiving step: receive an instruction transmitted through ultrasonic waves; or receive an instruction transmitted through Bluetooth; or receive an instruction transmitted through a wireless network; or receive an instruction transmitted through ultra-wideband; or receive an instruction transmitted based on a Zigbee wireless communication network. A computer-readable medium, on which a computer program is stored, wherein the computer program implements the payment method described in item 5 or 6 of the patent scope when the computer program is executed by a processor. A computer device, including a memory, a processor, and a computer program stored in the memory and operable on the processor, wherein the processor implements the payment method described in item 5 or 6 of the patent application when executing the computer program.