TWI856485B - Payment methods, devices, equipment, media and products - Google Patents

Abstract

The present invention discloses a payment method, device, equipment, medium and product. The payment method includes obtaining terminal information corresponding to the mobile terminal when a mobile terminal exists in a determined target location area, wherein the target location area is a secure payment area covered and set up based on the network of multiple ultra-wideband (Ultra Wide Band, UWB) signal base stations; obtaining order information corresponding to the mobile terminal according to the terminal information; sending the order information to the mobile terminal so that the mobile terminal determines a target payment method based on the order information; receiving a payment request sent by the mobile terminal, the payment request including the target payment method; responding to the payment request, and processing the payment of the to-be-paid order corresponding to the order information based on the target payment method. According to the embodiment of the present invention, the payment operation process can be simplified and the payment efficiency can be improved.

Description

Payment methods, devices, equipment, media and products

The present invention belongs to the field of mobile payment technology, and in particular relates to a payment method, device, equipment, medium and product.

With the continuous development of mobile payment technology, users are increasingly using mobile payment and other methods to pay in offline shopping scenarios such as major shopping malls and supermarkets.

Usually, in the process of online and offline payment, the cashier mainly operates at the cashier counter according to the payment method selected by the user, and then the user scans the payment code presented by the merchant, or the merchant scans the payment code presented by the user to complete the payment process.

In this way, since the payment process requires the user to cooperate with the cashier, and the cashier is responsible for operating the cashier counter and specifying the user's payment method, the payment operation process is cumbersome. In addition, if the cashier makes an error in the operation, the payment cannot be continued and needs to be re-operated, which will waste time and reduce payment efficiency.

The embodiments of the present invention provide a payment method, device, equipment, medium and product that can simplify the payment operation process and improve payment efficiency.

In the first aspect, an embodiment of the present invention provides a payment method, which is applied to a cash register system, wherein the cash register system includes a plurality of ultra-wideband UWB signal base stations, and the method includes:

When it is determined that there is a mobile terminal in the target location area, the terminal information corresponding to the mobile terminal is obtained, wherein the target location area is a secure payment area covered and set up based on the networking of multiple UWB signal base stations;

Obtaining order information corresponding to the mobile terminal according to the terminal information;

Sending the order information to the mobile terminal so that the mobile terminal determines the target payment method based on the order information;

Receive a payment request sent by the mobile terminal, wherein the payment request includes the target payment method;

In response to the payment request, based on the target payment method, payment processing is performed on the pending order corresponding to the order information.

In the second aspect, an embodiment of the present invention provides a payment method, which is applied to a mobile terminal, and the method includes:

When the mobile terminal enters the target location area, its own terminal information is sent to the cash register system via the UWB signal base station, so that the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set up based on the networking of multiple UWB signal base stations;

Receive order information sent by the cash register system;

Displaying the order information;

Receive a first input from the user based on the order information;

In response to the first input, determine the target payment method;

Send a payment request to the cash register system, the payment request includes the target payment method, and the payment request is used to instruct the cash register system to process the payment of the order to be paid corresponding to the order information based on the target payment method.

In a third aspect, an embodiment of the present invention provides a payment device for use in a cash register system, wherein the cash register system includes a plurality of ultra-wideband UWB signal base stations, and the device includes:

An information acquisition module is used to acquire terminal information corresponding to a mobile terminal when it is determined that there is a mobile terminal in a target location area, wherein the target location area is a secure payment area that is covered and set up based on the networking of multiple UWB signal base stations;

An order acquisition module is used to acquire order information corresponding to the mobile terminal according to the terminal information;

An order sending module, used to send the order information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information;

A request receiving module, used to receive a payment request sent by the mobile terminal, wherein the payment request includes the target payment method;

The order payment module is used to respond to the payment request and process the payment of the order to be paid corresponding to the order information based on the target payment method.

In a fourth aspect, an embodiment of the present invention provides a payment device for use in a mobile terminal, the device comprising:

The information transmission module is used to transmit its own terminal information to the cash register system via the UWB signal base station when the mobile terminal enters the target location area, so that the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set up based on the networking of multiple UWB signal base stations;

The order receiving module is used to receive the order information sent by the cash register system;

Order display module, used to display the order information;

Input receiving module, used to receive the user's first input based on the order information;

Method determination module, used to respond to the first input and determine the target payment method;

The request sending module is used to send a payment request to the cash register system, wherein the payment request includes the target payment method, and the payment request is used to instruct the cash register system to perform payment processing on the order to be paid corresponding to the order information based on the target payment method.

In a fifth aspect, an embodiment of the present invention provides an electronic device, which includes: a processor and a memory storing computer program instructions;

When the processor executes the computer program instructions, the steps of the payment method described in any one of the embodiments of the first aspect are implemented.

In a sixth aspect, an embodiment of the present invention provides a cash register device, which includes: a processor and a memory storing computer program instructions;

When the processor executes the computer program instructions, the steps of the payment method described in any one of the embodiments of the second aspect are implemented.

In the seventh aspect, the embodiment of the present invention provides a computer-readable storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the steps of the payment method described in any one of the embodiments of the first aspect or the second aspect are implemented.

In the eighth aspect, an embodiment of the present invention provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the steps of the payment method described in any one of the embodiments of the first aspect or the second aspect.

The payment method, apparatus, equipment, medium and product in the embodiments of the present invention use multiple UWB signal base stations included in the checkout system to set a target location area. When a mobile terminal exists in the target location area, the terminal information corresponding to the mobile terminal is obtained, and then the corresponding order information is obtained based on the terminal information, and the order information is sent to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the order information on the mobile terminal and initiate payment. When the checkout system receives the payment request sent by the mobile terminal, the payment processing is performed on the order to be paid corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cashier counter, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

10: Cash register system

1000: Electronic equipment

1001:Processor

1002: Memory

1003: Communication interface

101,111:UWB hardware and software

1010:Bus

102,112: Driver

103,113: Routing table

11: Mobile terminal

800,900:Payment device

801: Information acquisition module

802: Order acquisition module

803: Order sending module

804: Request receiving module

805: Order payment module

901: Information sending module

902: Order receiving module

903: Order display module

904: Input receiving module

905: Method to determine module

906: Request to send module

S310,S320,S330,S340,S350,S360,S370,S380,S410,S420,S430,S440,S450,S510,S520,S530,S540,S550,S560,S601,S602,S603,S604,S605,S606,S701,S702,S703,S704,S705,S706,S707: Steps

In order to more clearly explain the technical solution of the embodiment of the present invention, the following will briefly introduce the diagrams required for use in the embodiment of the present invention. For ordinary technicians in this field, other diagrams can be obtained based on these diagrams without making any progressive labor.

Figure 1 is a structural diagram applicable to the payment method provided by the present invention;

Figure 2a is a schematic diagram of the structure of the cash register system provided by the present invention;

Figure 2b is a structural schematic diagram of a mobile terminal provided by the present invention;

Figure 3 is a schematic diagram of a payment method provided by an embodiment of the present invention;

Figure 4 is a schematic diagram of the payment method provided by an embodiment of the present invention;

Figure 5 is a schematic diagram of the payment method provided by another embodiment of the present invention;

Figure 6 is a schematic diagram of a process of a payment method based on a free choice mode provided by the present invention;

Figure 7 is a schematic diagram of a process of a payment method based on a system recommendation model provided by the present invention;

Figure 8 is a schematic diagram of the structure of a payment device provided by an embodiment of the present invention;

Figure 9 is a schematic diagram of the structure of a payment device provided by another embodiment of the present invention;

Figure 10 is a schematic diagram of the structure of an electronic device provided by an embodiment of the present invention.

The features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in combination with drawings and specific embodiments. It should be understood that the specific embodiments described here are only intended to explain the present invention, not to limit the present invention. For those skilled in the art, the present invention can be implemented without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present invention by showing examples of the present invention.

It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of more restrictions, the elements defined by the phrase "include..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

In the existing technology, when making offline payments, users need to cooperate with the cashier and tell the cashier the payment method. The cashier will operate the cashier equipment at the cashier counter, select the payment method informed by the user, and then the user will perform the corresponding payment operation before the payment process is completed. Since the payment operation process involves back-and-forth cooperation between the cashier and the user, the payment operation process is cumbersome. Once one party makes an operation error, the payment operation cannot continue, thereby affecting the payment progress of other users and reducing the efficiency of offline payments.

In order to solve the existing technical problems, the embodiments of the present invention provide a payment method, device, equipment, medium and product. The payment method can be applied to offline shopping scenarios. The following first introduces the applicable architecture of the payment method provided by the embodiments of the present invention.

FIG1 is an architecture diagram applicable to the payment method provided by the present invention. As shown in FIG1 , the architecture may include a cash register system 10 and at least one mobile terminal 11. The mobile terminal 11 may be a mobile device such as a smart phone, a smart watch, a smart bracelet, a tablet computer, etc. The cash register system 10 may include a cash register terminal and multiple UWB signal base stations, hardware and software devices with built-in UWB communication functions, and support multiple payment methods. The multiple UWB signal base stations can be distributed and set near the cash register area so that the multiple UWB signal base stations are networked to form a UWB signal sensing area, and a secure payment area, that is, a target location area, is set based on the UWB signal sensing area. In addition, the user's mobile terminal also has built-in UWB communication function hardware and software devices, which have various payment functions. The cash register system and the user terminal can communicate through the UWB signal base station, and complete the transaction process through the communication layer and application layer protocols.

For example, after the mobile terminal 11 enters the UWB signal sensing area, the UWB signal base station in the cash register system 10 can determine the location information of the mobile terminal 11 based on the flight time (ToF) of the communication message, and then determine whether it has entered the secure payment area. After determining that the mobile terminal 11 has entered the secure payment area, the payment operation process can be triggered.

In addition, as shown in FIG. 2a, the cash register system 10 may include UWB hardware and software 101, a driver 102, and a routing table 103. The UWB hardware and software 101 may be used to receive, send, and process information based on UWB signals, the driver 102 may be used to drive the UWB hardware and software 101 to run, and the routing table 103 may be used to store connection information corresponding to each mobile terminal.

Similarly, as shown in FIG2b, the mobile terminal 11 may include UWB hardware and software 111, a driver 112 and a routing table 113. Among them, the UWB hardware and software 111 can be used to receive, send and process information based on UWB signals, the driver 112 can be used to drive the UWB hardware and software 111 to run, and the routing table 113 can be used to store the connection information corresponding to the cash register system.

By adding the above-mentioned software and hardware modules to the cash register system and user terminal, both are equipped with UWB communication functions and supporting interface programs, changing the functional interface between the traditional cash register system and the user's mobile terminal. The process originally operated by the cashier at the cash register counter is deleted, and the cash register system uses UWB technology to exchange payment information between the two parties, obtain the payment method selected by the user's mobile terminal, and then replace the cashier's operation at the cash register counter.

In addition, the cash register system and the mobile terminal can communicate with other external electronic devices based on UWB signals and exchange information based on UWB signals. For example, after receiving a payment request, the cash register system can forward the payment information to the backend for settlement using UWB signals (or other communication methods). After the transaction is completed, the payment terminal can also use UWB signals to feedback the transaction results to the cash register system so that the cash register system can provide the transaction results to the user's mobile terminal in real time and accurately, and display them. Among them, other communication methods include but are not limited to WIFI network communication, Bluetooth network communication, 5G network communication and other communication methods

Based on the above structure, the present invention provides a payment method, which is specifically as follows.

Figure 3 is a schematic diagram of a payment method provided by an embodiment of the present invention. As shown in Figure 3, the payment method may specifically include the following steps:

Step S310: When it is determined that there is a mobile terminal in the target location area, the cash register system obtains the terminal information corresponding to the mobile terminal;

Step S320, the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information;

Step S330, the cash register system sends order information to the mobile terminal;

Step S340, the mobile terminal displays the order information;

Step S350, the mobile terminal receives the user's first input based on order information;

Step S360, the mobile terminal responds to the first input and determines the target payment method;

Step S370: The mobile terminal sends a payment request to the cash register system, and the payment request includes the target payment method;

Step S380: The cash register system responds to the payment request and processes the payment for the pending orders corresponding to the order information based on the target payment method.

Therefore, by using multiple UWB signal base stations included in the checkout system to set the target location area, when there is a mobile terminal in the target location area, the checkout system obtains the terminal information corresponding to the mobile terminal, and then obtains the corresponding order information based on the terminal information, and sends the order information to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the order information on the mobile terminal and initiate payment. When the checkout system receives the payment request sent by the mobile terminal, it processes the payment for the order to be paid corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cashier counter, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

The following first describes in detail the payment methods used in the cash register system.

Figure 4 is a schematic diagram of the payment method provided by an embodiment of the present invention. As shown in Figure 4, the payment method may specifically include the following steps:

Step S410: When it is determined that there is a mobile terminal in the target location area, the terminal information corresponding to the mobile terminal is obtained, wherein the target location area is a secure payment area that is covered and set up based on a network of multiple UWB signal base stations;

Step S420, obtaining order information corresponding to the mobile terminal according to the terminal information;

Step S430, sending order information to the mobile terminal so that the mobile terminal determines the target payment method based on the order information;

Step S440, receiving a payment request sent by a mobile terminal, wherein the payment request includes a target payment method;

Step S450: In response to the payment request, based on the target payment method, payment is processed for the order to be paid corresponding to the order information.

Therefore, by using multiple UWB signal base stations included in the checkout system to set the target location area, when there is a mobile terminal in the target location area, the terminal information corresponding to the mobile terminal is obtained, and then the corresponding order information is obtained based on the terminal information, and the order information is sent to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the order information on the mobile terminal and initiate payment. Then, when the checkout system receives the payment request sent by the mobile terminal, the payment processing is performed on the order to be paid corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cashier counter, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

The following describes the specific implementation methods of the above steps.

In some implementations, in step S410, the target location area can be set at the exit of an offline shopping store, and multiple UWB signal base stations can be set around the target location area. In this way, when a mobile terminal including a UWB functional module enters the UWB signal sensing area covered by the UWB signal base station network, the cash register system can locate the mobile terminal through the UWB signal base station, and after determining that it has entered the target location area, obtain the terminal information corresponding to the mobile terminal. Among them, the terminal information may include identification information and connection information, the identification information includes but is not limited to the device identification code, mobile phone number, etc., and the connection information includes but is not limited to the Media Access Control (MAC) address, etc.

For example, after determining that a mobile terminal has entered the target location area, the cash register system and the mobile terminal can exchange terminal information with each other when they perform a communication handshake via UWB signals within the secure payment area.

Based on this, in some examples, before the above step S410, the payment method provided by the embodiment of the present invention may also include:

Based on the UWB signals corresponding to the mobile terminal received by multiple UWB signal base stations, the mobile terminal is positioned to obtain the first position of the mobile terminal;

In the case where the first position is located within the target location area, it is determined that a mobile terminal exists in the target location area.

Here, the cash register system can communicate directly with the user's mobile terminal through the UWB signal base station.

For example, after the UWB signal base station detects that a mobile terminal has entered the UWB signal sensing area, the cash register system can locate the mobile terminal based on the signal flight time and the position coordinates of each UWB signal base station through communication between the mobile terminal and each UWB signal base station, and obtain the real-time position of the mobile terminal. Then, based on the real-time position, it can determine whether the mobile terminal has entered the set secure payment area, that is, the target location area.

In some implementations, in step S420, after receiving the terminal information of the mobile terminal, the cash register system can retrieve the user's order information in the background according to all or part of the information in the terminal information (such as mobile phone number, etc.). The order information can be generated by the staff entering the goods selected by the user into the cash register system after the user has selected the goods. Of course, the order information can also be generated by the user entering the selected goods into the self-service cash register system after the user has selected the goods. The method of generating the order information is not limited here.

Here, order information may include merchant information, product information, product quantity, product unit price, total transaction amount, and timestamp, etc.

In some implementations, in step S430, after the cash register system retrieves the order information corresponding to the mobile terminal, the order information may be sent to the mobile terminal to display the order information on the mobile terminal. In this way, the user may select or confirm a payment method based on the order information on the mobile terminal to obtain the corresponding target payment method.

In addition, in some examples, the above order information may also include authentication mark information, which is used by the mobile terminal to authenticate the legitimacy of the order information.

Here, the authentication tag information may be information such as a header tag used for legitimacy authentication.

For example, after receiving the order information sent by the cash register system, the mobile terminal can parse the order information, obtain information such as the information header tag, and confirm the legitimacy of the order information through the information. On the premise of confirming the legitimacy, the merchant information, product information, product quantity, product unit price, total transaction amount, timestamp and other contents contained therein are obtained, and the local program is started to display it to the user through a graphical interface, wherein the graphical interface can display information in the form of images, text, etc.

In this way, by carrying authentication mark information in the order information, the legitimacy of the order information can be verified, thereby improving the security of payment operations.

In addition, the present invention provides two payment modes, one is a mode in which the user freely chooses the payment method, and the other is a mode in which the system recommends the payment method.

Regarding the mode of the system recommending the payment method, in some examples, the above step S430 may specifically include:

Send order information and recommended payment method information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information.

Here, since there may be a situation where the payment institution cooperates with the merchant, or a certain payment method has a significant discount, the cash register system can send the recommended payment method to the user while sending the retrieved order information to the mobile terminal for the user to confirm, that is, send the recommended payment method information to the mobile terminal. The recommended payment method information may include payment method identification information and supporting discount information, etc.

For example, when the order information is displayed on the mobile terminal, the corresponding recommended payment method information can be displayed based on the order information to attract users to select the payment method corresponding to the recommended payment method information.

In this way, by actively pushing recommended payment methods and allowing users to confirm on their mobile terminals, it is possible to avoid cumbersome manual operations while also providing users with an entry point for payment selection, thereby promoting cooperation between merchants and payment institutions.

In addition, since the cash register system may communicate with multiple mobile terminals at the same time, in order to enable the cash register system to accurately send order information to the corresponding mobile terminal, in some examples, after the above step S410, the payment method provided by the embodiment of the present invention may also include:

Associate identification information and connection information and store them in the routing table;

Accordingly, the above step S430 includes:

According to the identification information, obtain the connection information corresponding to the mobile terminal from the routing table;

Based on the connection information, send order information to the mobile terminal.

For example, the device identification code or mobile phone number of the mobile terminal and the corresponding MAC address can be stored in the routing table. In this way, when the cash register system retrieves the order information corresponding to the mobile phone number, it can query the corresponding MAC address from the routing table through the mobile phone number or the device identification code associated with the mobile phone number, and then accurately send the order information to the mobile terminal corresponding to the order information through the MAC address.

In this way, through the above information storage method, the accuracy of order information transmission can be improved, and multiple mobile terminals can communicate with the cash register system at the same time, making it possible for the cash register system to execute multiple payment operation processes at the same time, thereby further improving payment efficiency.

In some implementations, in step S440 and step S450, after the user confirms the order information on the mobile terminal and selects or confirms the target payment method, the user can directly initiate order payment on the mobile terminal, and the mobile terminal sends a payment request to the cash register system. In addition to the target payment method, the payment request may also include authentication tag information, timestamp, etc.

For example, the cash register system receives a payment request initiated by a user's mobile terminal, parses and processes the payment request, and processes the payment for the order to be paid corresponding to the order information according to the target payment method carried in the payment request.

Based on this, in some examples, the above step S450 may specifically include:

Call the payment interface corresponding to the target payment method;

The target payment information is sent to the corresponding payee through the payment interface. The target payment information is used to instruct the payee to perform deduction processing for the pending payment order corresponding to the order information.

For example, the cash register system can generate payment information corresponding to the order to be paid, that is, the target payment information, where the payment information may include account information, deduction amount information and other information required for order payment. Based on the analysis result of the payment request, the cash register system automatically matches the payment interface corresponding to the target payment method, starts the payment service, and initiates the payment deduction process to the backend payment terminal.

In some specific examples, if the target payment method for mobile terminal feedback is to pay with a bank card from Bank A, the cashier system can call the corresponding payment interface of Bank A to send the bank card information corresponding to the order to the payment terminal of Bank A, so that the payment terminal of Bank A can deduct the payment based on the bank card.

In this way, by automatically calling different payment interfaces to deduct money, the cash register system can realize the deduction processing of multiple payment methods, thereby ensuring that the cash register system can respond to the different payment methods selected by users on the mobile terminal and realize the corresponding payment processing of different methods.

In addition, after completing the deduction process, the payment terminal can feedback the payment result to the cash register system, and then the cash register system will feedback the payment result to the corresponding mobile terminal through the UWB base station to display the payment result to the user on the mobile terminal, thereby improving the timeliness and accuracy of the transaction result feedback and enhancing the user experience.

The above is an explanation of the payment method used in the cash register system. The following is a detailed explanation of the payment method used in mobile terminals.

Figure 5 is a schematic diagram of the payment method provided by another embodiment of the present invention. As shown in Figure 5, the payment method may specifically include the following steps:

Step S510: When the mobile terminal enters the target location area, its terminal information is sent to the cash register system via the UWB signal base station, so that the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area that is covered and set up based on a network of multiple UWB signal base stations;

Step S520, receiving order information sent by the cash register system;

Step S530, display order information;

Step S540, receiving the user's first input based on order information;

Step S550, responding to the first input, determining the target payment method;

Step S560: Send a payment request to the cash register system. The payment request includes the target payment method. The payment request is used to instruct the cash register system to process the payment for the order to be paid corresponding to the order information based on the target payment method.

Here, the explanation of each of the above steps can be found in the explanation of the relevant parts in the above embodiments, and will not be repeated here.

In addition, the first input may be a selection input for the user to select a target payment method from a plurality of payment methods, or may be a confirmation input for the user to select a payment method recommended by the system so as to use the recommended payment method as the target payment method, which is not limited here.

Thus, when the mobile terminal enters the target location area, the terminal information of the mobile terminal is sent to the cash register system via the UWB signal base station, so that the cash register system obtains the corresponding order information based on the terminal information, and sends the order information to the mobile terminal for the user to confirm. In this way, the user can determine the target payment method based on the displayed order information on the mobile terminal and initiate payment. When the cash register system receives the payment request sent by the mobile terminal, it processes the payment for the to-be-paid order corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cashier counter, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

Based on this, in some implementations, the payment method provided by the embodiments of the present invention may also include:

Receive recommended payment method information sent by the payment system;

Display recommended payment method information.

For example, when the cash register system pushes order information to the mobile terminal for user confirmation, it can simultaneously push recommended payment method information to the user, which may include payment method identification information and supporting discount information. After receiving the information sent by the cash register system, the mobile terminal can display the order information and the corresponding recommended payment method information for user confirmation and reference.

In addition, with respect to the mode of the system recommending the payment method, in some implementations, the above step S540 may specifically include:

Receive the first input from the user to confirm the recommended payment method information;

Accordingly, the above step S550 may specifically include:

Determine the payment method corresponding to the recommended payment method information as the target payment method.

For example, in the mode where the system recommends payment methods, users can directly determine the target payment method by confirming the recommended payment method information sent by the system. For example, after the user completes the confirmation of the order and the recommended payment method on the mobile terminal, the mobile terminal can activate the matching payment interface to initiate a payment request, and send the payment request to the cash register system so that the cash register system can process the payment in the corresponding way.

In addition, for the mode where users can freely choose the payment method, in some implementations, before the above step S540, the payment method provided by the embodiment of the present invention may also include:

Display at least one optional payment method information corresponding to the order information;

Accordingly, the above step S540 may specifically include:

Receive a first input from a user selecting target payment method information from at least one optional payment method information;

Accordingly, the above step S550 may specifically include:

Determine the payment method corresponding to the target payment method information as the target payment method.

For example, in a mode where the user freely selects a payment method, the user can freely select one or more optional payment methods preset in a local application in the mobile terminal. The displayed optional payment method information may include payment method identification information, such as an image identification or a text identification, etc.

In this way, when there is no recommended payment method or the recommended payment method is not suitable, users can freely choose a suitable payment method as the target payment method so that the payment system can process the payment of the order based on the target payment method.

In order to better describe the entire solution, some specific examples are given based on the above embodiments.

For example, for a mode where users can freely choose a payment method, please refer to the payment method flow chart shown in FIG6 . The payment method may include steps S601 to S606, which are explained in detail below.

Step S601, the mobile terminal enters the UWB sensing area, establishes a connection, and both parties obtain information;

Step S602, the cash register system retrieves the user's order and sends it to the mobile terminal for the user to confirm;

Step S603: The user confirms the order information on the mobile terminal, selects the target payment method, and initiates a payment request;

Step S604, the cash register system receives the payment request and automatically matches and invokes the corresponding payment service according to the target payment method;

Step S605, the cash register system transmits the payment information to the backend payment terminal for settlement;

Step S606: The payment receiving end performs payment settlement and returns the payment results step by step.

In this way, users can freely choose the target payment method on the mobile terminal, so that the payment system can directly perform corresponding payment processing based on the target payment method selected by the user on the mobile terminal, thereby simplifying the payment operation process and improving payment efficiency.

For another example, for the mode of the system-recommended payment method, please refer to the payment method flow chart shown in Figure 7. The payment method may include steps S701 to S707, which are explained in detail below.

Step S701, the mobile terminal enters the UWB sensing area, establishes a connection, and both parties obtain information;

Step S702, the cash register system retrieves the user's order and sends it to the mobile terminal for the user to confirm;

Step S703: The user returns confirmation information of the order information via the mobile terminal;

Step S704, the cash register system receives the confirmation information and proactively pushes the recommended payment method to the mobile terminal;

Step S705: The user confirms the recommended payment method on the mobile terminal and initiates a payment request based on this payment method;

Step S706, the cash register system transmits the payment information to the backend payment terminal for settlement;

Step S707, the payment receiving end performs payment settlement and returns the payment results step by step.

In this way, the payment method is recommended to the user through the cash register system, and the user confirms on the mobile terminal whether to adopt the method recommended by the system to determine the payment method, so that the cash register system can directly perform corresponding payment processing according to the recommended payment method confirmed by the user on the mobile terminal, thereby simplifying the payment operation process and improving payment efficiency, while promoting cooperation between the cash register system and other payment terminal service providers and improving economic benefits.

It should be noted that the application scenarios described in the above embodiments of the present invention are for the purpose of more clearly explaining the technical solutions of the embodiments of the present invention, and do not constitute a limitation on the technical solutions provided by the embodiments of the present invention. Ordinary technical personnel in this field can know that with the emergence of new application scenarios, the technical solutions provided by the embodiments of the present invention are also applicable to similar technical problems.

Based on the same invention concept, the present invention also provides a payment device. It is specifically described in detail with reference to FIG8.

Figure 8 is a schematic diagram of the structure of a payment device provided by an embodiment of the present invention. The payment device can be applied to a cash register system.

As shown in FIG8 , the payment device 800 may include:

The information acquisition module 801 is used to obtain the terminal information corresponding to the mobile terminal when it is determined that there is a mobile terminal in the target location area, wherein the target location area is a secure payment area covered and set up based on the networking of multiple UWB signal base stations;

The order acquisition module 802 is used to acquire the order information corresponding to the mobile terminal according to the terminal information;

The order sending module 803 is used to send the order information to the mobile terminal so that the mobile terminal determines the target payment method based on the order information;

Request receiving module 804, used to receive the payment request sent by the mobile terminal, the payment request including the target payment method;

The order payment module 805 is used to respond to the payment request and process the payment of the order to be paid corresponding to the order information based on the target payment method.

The above-mentioned payment device 800 is described in detail below, as shown below:

In some embodiments, the order sending module 803 includes:

The first sending submodule is used to send the order information and the recommended payment method information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information.

In some embodiments, the order payment module 805 includes:

Call submodule, used to call the payment interface corresponding to the target payment method;

The second sending submodule is used to send target payment information to the corresponding payment receiving end through the payment interface, and the target payment information is used to instruct the payment receiving end to perform deduction processing for the order to be paid corresponding to the order information.

In some of the embodiments, the order information includes authentication mark information, and the authentication mark information is used by the mobile terminal to authenticate the legitimacy of the order information.

In some of the embodiments, the terminal information includes identification information and connection information; the payment device 800 also includes:

The associated storage module is used to associate and store the identification information and the connection information in the routing table after obtaining the terminal information corresponding to the mobile terminal;

The order sending module 803 includes:

The acquisition submodule is used to obtain the connection information corresponding to the mobile terminal from the routing table according to the identification information;

The third sending submodule is used to send the order information to the mobile terminal based on the connection information.

In some embodiments, the payment device 800 further includes:

The terminal positioning module is used to locate the mobile terminal based on the UWB signals corresponding to the mobile terminal received by the multiple UWB signal base stations before obtaining the terminal information corresponding to the mobile terminal when it is determined that there is a mobile terminal in the target location area, so as to obtain the first position of the mobile terminal;

The terminal determination module is used to determine that the mobile terminal exists in the target location area when the first location is located in the target location area.

Therefore, by utilizing multiple UWB ultra-wideband signal base stations included in the checkout system to set a target location area, when there is a mobile terminal in the target location area, the terminal information corresponding to the mobile terminal is obtained, and then the corresponding order information is obtained based on the terminal information, and the order information is sent to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the order information on the mobile terminal and initiate payment. Then, when the checkout system receives the payment request sent by the mobile terminal, the payment processing is performed on the order to be paid corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cash register, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

Based on the same invention concept, the present invention also provides a payment device. It is specifically described in detail with reference to FIG. 9.

Figure 9 is a schematic diagram of the structure of a payment device provided by another embodiment of the present invention. The payment device can be applied to a mobile terminal.

As shown in FIG. 9 , the payment device 900 may include:

The information transmission module 901 is used to transmit its own terminal information to the cash register system via the UWB signal base station when the mobile terminal enters the target location area, so that the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set up based on the networking of multiple UWB signal base stations;

Order receiving module 902, used to receive order information sent by the cash register system;

Order display module 903, used to display the order information;

Input receiving module 904, used to receive the user's first input based on the order information;

Method determination module 905, used to respond to the first input and determine the target payment method;

The request sending module 906 is used to send a payment request to the cash register system, wherein the payment request includes the target payment method, and the payment request is used to instruct the cash register system to perform payment processing on the order to be paid corresponding to the order information based on the target payment method.

The above-mentioned payment device 900 is described in detail below, as shown below:

In some embodiments, the payment device 900 further includes:

Information receiving module, used to receive the recommended payment method information sent by the cash register system;

The first display module is used to display the recommended payment method information.

In some embodiments, the input receiving module 904 includes:

The first receiving submodule is used to receive the first input from the user to confirm the recommended payment method information;

The method determines that module 905 includes:

The first determination submodule is used to determine that the payment method corresponding to the recommended payment method information is the target payment method.

In some embodiments, the payment device 900 further includes:

The second display module is used to display at least one optional payment method information corresponding to the order information before receiving the user's first input based on the order information;

The input receiving module 904 includes:

The second receiving submodule is used to receive the first input of the user selecting the target payment method information from the at least one optional payment method information;

The method determines that module 905 includes:

The second determination submodule is used to determine that the payment method corresponding to the target payment method information is the target payment method.

Therefore, when the mobile terminal enters the target location area, its own terminal information is sent to the cash register system via the UWB signal base station, so that the cash register system obtains the corresponding order information based on the terminal information, and sends the order information to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the displayed order information on the mobile terminal and initiate payment. When the cash register system receives the payment request sent by the mobile terminal, it processes the payment for the order to be paid corresponding to the order information according to the target payment method included in the payment request. In this way, the cashier can select the payment method on the mobile terminal without any operation at the cashier counter, and automatically complete the payment process of the order, which simplifies the payment operation process and improves payment efficiency.

Figure 10 is a schematic diagram of the structure of an electronic device provided by an embodiment of the present invention.

The electronic device 1000 may include a processor 1001 and a memory 1002 storing computer program instructions.

Specifically, the processor 1001 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured as one or more integrated circuits for implementing the embodiments of the present invention.

Memory 1002 may include a mass storage area for data or instructions. By way of example and not limitation, memory 1002 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive, or a combination of two or more of the above. Where appropriate, memory 1002 may include removable or non-removable (or fixed) media. Where appropriate, memory 1002 may be internal or external to the integrated gate disaster tolerance device. In a particular embodiment, memory 1002 is a non-volatile solid-state memory.

In certain embodiments, the memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical/tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present invention.

The processor 1001 reads and executes the computer program instructions stored in the memory 1002 to implement any payment method in the above embodiments.

In some examples, the electronic device 1000 may also include a communication interface 1003 and a bus 1010. As shown in FIG10 , the processor 1001, the memory 1002, and the communication interface 1003 are connected through the bus 1010 and communicate with each other.

The communication interface 1003 is mainly used to realize the communication between the modules, devices, units and/or equipment in the embodiment of the present invention.

The bus 1010 includes hardware, software, or both, coupling the components of the online data traffic metering device to each other. By way of example and not limitation, bus 1010 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a MicroChannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (Serial ATA) bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a 10-bit 4-port bus, a Advanced Technology Attachment, SATA) bus, Video Electronics Standards Association Local Bus (VLB) bus or other suitable bus or a combination of two or more of the above. Where appropriate, bus 1010 may include one or more buses. Although the embodiments of the present invention describe and illustrate specific buses, the present invention contemplates any suitable bus or interconnect.

For example, the electronic device 1000 may be a mobile phone, a tablet computer, a laptop computer, a palmtop computer, a vehicle-mounted electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.

The electronic device 1000 can execute the payment method in the embodiment of the present invention, thereby realizing the payment method and device described in conjunction with Figures 4 to 9.

In addition, in combination with the payment method in the above embodiment, the embodiment of the present invention can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by the processor, any one of the payment methods in the above embodiment is implemented. Examples of computer-readable storage media include non-transient computer-readable storage media, such as portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), compact disc read-only memory (CD-ROM), optical memory devices, magnetic memory devices, etc.

It should be made clear that the present invention is not limited to the specific configuration and processing described above and shown in the figure. For the sake of simplicity, the detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown, and technicians in this field can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present invention.

The functional blocks shown in the structural block diagram described above can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present invention are programs or program code snippets used to perform the required tasks. The programs or program code snippets can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link via a data signal carried in a carrier. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable read only memory (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code snippets can be downloaded via computer networks such as the Internet, intranets, etc.

It should also be noted that the exemplary embodiments mentioned in the present invention describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above steps, that is, the steps can be executed in the order mentioned in the embodiments, or in a different order from the embodiments, or several steps can be executed simultaneously.

Aspects of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device cause Ability to implement the functions/actions specified in one or more blocks of flowcharts and/or block diagrams. Such a processor may be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It can also be understood that each box in the block diagram and/or flowchart and the combination of boxes in the block diagram and/or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by This is accomplished through a combination of specialized hardware and computer instructions.

The above is only a specific implementation of the present invention. The technical personnel in the relevant field can clearly understand that for the convenience and simplicity of description, the specific working process of the system, module and unit described above can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here. It should be understood that the protection scope of the present invention is not limited to this. Any technical personnel familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be covered within the protection scope of the present invention.

S410,S420,S430,S440,S450: Steps

Claims (13)

A payment method is applied to a cash register system, wherein the cash register system includes a plurality of ultra-wideband (UWB) signal base stations, and the method includes: obtaining terminal information corresponding to the mobile terminal when it is determined that there is a mobile terminal in a target location area, wherein the target location area is a secure payment area that is covered and set based on the network of the plurality of UWB signal base stations; obtaining order information corresponding to the mobile terminal according to the terminal information; sending the order information to the mobile terminal, so that the mobile terminal receives a first input from the user based on the order information, and determines a target payment method in response to the first input; receiving a payment request sent by the mobile terminal, wherein the payment request includes the target payment method; responding to the payment request, based on the target payment method, performing payment processing on the to-be-paid order corresponding to the order information; wherein the determining the target location area In the case where there is a mobile terminal in the target location area, before obtaining the terminal information corresponding to the mobile terminal, the method further includes: positioning the mobile terminal according to the UWB signals corresponding to the mobile terminal received by the multiple UWB signal base stations to obtain a first position of the mobile terminal; in the case where the first position is located in the target location area, determining that the mobile terminal exists in the target location area; and The mobile terminal sends the order information to the mobile terminal, so that the mobile terminal receives the first input of the user based on the order information, and determines the target payment method in response to the first input, including: sending the order information and recommended payment method information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information, and the recommended payment method information includes payment method identification information and supporting preferential information. The method according to claim 1 is characterized in that the payment processing of the to-be-paid order corresponding to the order information based on the target payment method includes: calling the payment interface corresponding to the target payment method; sending the target payment information to the corresponding payment receiving end through the payment interface, wherein the target payment information is used to instruct the payment receiving end to perform the deduction processing for the to-be-paid order corresponding to the order information. The method according to claim 1 is characterized in that the order information includes authentication mark information, and the authentication mark information is used by the mobile terminal to authenticate the legitimacy of the order information. The method according to claim 1 is characterized in that the terminal information includes identification information and connection information; after obtaining the terminal information corresponding to the mobile terminal, the method further includes: associating and storing the identification information and the connection information in a routing table; sending the order information to the mobile terminal includes: according to the identification information, obtaining the connection information corresponding to the mobile terminal from the routing table; based on the connection information, sending the order information to the mobile terminal. A payment method, applied to a mobile terminal, characterized in that the method comprises: when the mobile terminal enters a target location area, sending its own terminal information to a cash register system via a UWB signal base station, so that the cash register system obtains order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set up based on the network of multiple UWB signal base stations; receiving the order information sent by the cash register system; displaying the order information; receiving a first input from a user based on the order information; determining a target payment method in response to the first input; sending a payment request to the cash register system, wherein the payment request includes the target The payment request is used to instruct the cashier system to process the payment of the order to be paid corresponding to the order information based on the target payment method; the method further includes: receiving the recommended payment method information sent by the cashier system, the recommended payment method information including payment method identification information and supporting preferential information; displaying the recommended payment method information; wherein the cashier system locates the mobile terminal according to the UWB signals corresponding to the mobile terminal received by the multiple UWB signal base stations, and obtains the first position of the mobile terminal; when the first position is located in the target position area, determining that the mobile terminal enters the target position area. The method according to claim 5 is characterized in that the receiving of the first input from the user based on the order information includes: receiving the first input from the user for confirming the recommended payment method information; and determining the target payment method includes: determining that the payment method corresponding to the recommended payment method information is the target payment method. The method according to claim 5 or 6 is characterized in that, before receiving the first input from the user based on the order information, the method further includes: displaying at least one optional payment method information corresponding to the order information; the receiving the first input from the user based on the order information includes: receiving the first input of the user selecting the target payment method information from the at least one optional payment method information; The determining the target payment method includes: determining that the payment method corresponding to the target payment method information is the target payment method. A payment device is applied to a cash register system, wherein the cash register system includes a plurality of ultra-wideband (UWB) signal base stations, and the device includes: an information acquisition module, which is used to acquire terminal information corresponding to the mobile terminal when a mobile terminal is determined to exist in a target location area, wherein the target location area is a secure payment area that is covered and set based on the network of the plurality of UWB signal base stations; an order acquisition module, which is used to The method comprises: obtaining order information corresponding to the mobile terminal according to the terminal information; an order sending module, which is used to send the order information to the mobile terminal, so that the mobile terminal receives a first input from the user based on the order information, and determines a target payment method in response to the first input; a request receiving module, which is used to receive a payment request sent by the mobile terminal, wherein the payment request includes the target payment method; and an order payment module, which is used to In response to the payment request, based on the target payment method, the payment processing is performed on the to-be-paid order corresponding to the order information; the payment device further comprises: a terminal positioning module, used to locate the mobile terminal according to the UWB signals corresponding to the mobile terminal received by the multiple UWB signal base stations, and obtain the first position of the mobile terminal; a terminal determination module, used to locate the target terminal at the first position; In the case of being within the target location area, determining that the mobile terminal exists in the target location area; the order sending module includes: a first sending submodule, used to send the order information and recommended payment method information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information, and the recommended payment method information includes payment method identification information and supporting preferential information. A payment device is applied to a mobile terminal, wherein the device comprises: an information transmission module, which is used to transmit its own terminal information to a cash register system via a UWB signal base station when the mobile terminal enters a target location area, so that the cash register system obtains order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is based on the plurality of UWB A secure payment area is set up and covered by a signal base station network; an order receiving module is used to receive the order information sent by the cash register system; an order display module is used to display the order information; an input receiving module is used to receive a first input from a user based on the order information; a method determination module is used to respond to the first input and determine the target payment method; a request sending module is used to send a payment request to the cash register system The payment request includes the target payment method, and the payment request is used to instruct the cashier system to process the payment of the order to be paid corresponding to the order information based on the target payment method; the payment device further includes: an information receiving module, used to receive the recommended payment method information sent by the cashier system, and the recommended payment method information includes payment method identification information and supporting preferential information; a first display module, used to display the recommended payment method information; wherein the cashier system locates the mobile terminal according to the UWB signals corresponding to the mobile terminal received by the multiple UWB signal base stations, and obtains the first position of the mobile terminal; when the first position is located in the target position area, it is determined that the mobile terminal enters the target position area. An electronic device, characterized in that the device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the steps of the payment method described in any one of claim items 1-4 are implemented. A cash register device, characterized in that the device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the steps of the payment method described in any one of claim items 5-7 are implemented. A computer-readable storage medium, characterized in that computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the steps of the payment method described in any one of claim items 1 to 4 or 5 to 7 are implemented. A computer program product, characterized in that when the instructions in the computer program product are executed by the processor of an electronic device, the electronic device executes the steps of the payment method as described in any one of claim items 1 to 4 or 5 to 7.

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