WO2017133323A1 - 支付处理方法、装置、及智能设备 - Google Patents

支付处理方法、装置、及智能设备 Download PDF

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Publication number
WO2017133323A1
WO2017133323A1 PCT/CN2016/109464 CN2016109464W WO2017133323A1 WO 2017133323 A1 WO2017133323 A1 WO 2017133323A1 CN 2016109464 W CN2016109464 W CN 2016109464W WO 2017133323 A1 WO2017133323 A1 WO 2017133323A1
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Prior art keywords
payment
target application
graphic code
parameter
attribute information
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PCT/CN2016/109464
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English (en)
French (fr)
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伍东方
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腾讯科技（深圳）有限公司
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Priority to JP2018533091A priority Critical patent/JP6577672B2/ja
Priority to KR1020187020994A priority patent/KR102402413B1/ko
Priority to MYPI2018000978A priority patent/MY192157A/en
Publication of WO2017133323A1 publication Critical patent/WO2017133323A1/zh
Priority to US16/041,306 priority patent/US11341478B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G06F9/445—Program loading or initiating
    • G06F9/44521—Dynamic linking or loading; Link editing at or after load time, e.g. Java class loading
    • G06F9/44526—Plug-ins; Add-ons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00—Arrangements for software engineering
    • G06F8/40—Transformation of program code
    • G06F8/41—Compilation
    • G06F8/44—Encoding

Definitions

  • the present invention relates to the field of Internet technologies, and in particular, to the field of Internet payment technologies, and in particular, to a payment processing method, apparatus, and smart device.
  • an e-commerce service such as virtual items and skills can be provided, and the user can purchase the application in the game-like application.
  • the required virtual items, skills, etc. in turn initiate a payment request to the smart device.
  • the smart device when receiving a payment request in an interactive entertainment application, invokes and outputs a payment interface, and the user can select a payment method (such as bank card payment, credit card payment, third party platform) in the payment interface. Payment, etc.), and manually enter the account information for payment to confirm the payment, and then the smart device forwards the payment to the corresponding payment platform through the background server of the interactive entertainment application to complete the payment and feed back the payment result.
  • the user needs to use the peripheral device of the smart device to manually input the account information to pay in the payment interface.
  • Such an operation process is cumbersome, the payment efficiency is low, and the payment success rate is easily reduced due to input errors.
  • the embodiment of the invention provides a payment processing method, device, and smart device, which can simplify the payment operation process and improve the payment efficiency.
  • the embodiment of the invention provides a payment processing method, which is applied to a smart device, and may include:
  • the payment result is fed back to the target application according to the attribute information of the target application.
  • the embodiment of the invention further provides a payment processing device, which is applied to a smart device, and may include:
  • An intercepting unit configured to intercept a payment request in a target application in the smart device, where the payment request includes a payment parameter
  • An obtaining unit configured to acquire attribute information of the target application by using a preset executable file
  • a generating unit configured to generate a graphic code according to the payment request
  • An output unit configured to output the graphic code, to enable the terminal device to submit the payment parameter to the payment server by scanning the graphic code, and report the account information to the payment server, where the payment server is based on the payment parameter and The account information is processed for payment and returns a payment result;
  • a feedback unit configured to feed back the payment result to the target application according to attribute information of the target application.
  • the embodiment of the invention further provides a smart device, which may include the above payment processing device.
  • the embodiment of the present invention may intercept a payment request including a payment parameter in a target application in the smart device, and acquire attribute information of the target application by using a preset executable file; and generate a graphic code according to the payment request,
  • the terminal device realizes payment processing by scanning the graphic code to interact with the payment server to obtain a payment result, and then feeding the payment result to the target application to complete the payment process in the target application.
  • the payment processing is performed by using the graphic code scanning method, which greatly simplifies the payment operation process, and avoids the time resource consumption and the possible input errors caused by manually inputting the account information, improves the payment efficiency, and improves the payment success rate.
  • FIG. 1 is a schematic structural diagram of a payment processing system according to an embodiment of the present invention.
  • FIG. 2 is a flowchart of a payment processing method according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a smart device according to an embodiment of the present disclosure.
  • FIG. 4 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention.
  • the embodiment of the invention provides a payment processing system.
  • the system may include: a smart device, a display device, a terminal device, and a payment server.
  • the smart device can be connected to the display device through a wired manner such as a cable or an HDMI (High Definition Multimedia Interface).
  • the terminal device can be connected to the smart device through a wireless method such as GPRS (General Packet Radio Service) or WIFI (Wireless Fidelity).
  • the terminal device can install and run at least one application, which can include, but is not limited to, an instant messaging application, an SNS (Social Networking Services) application, a payment application, and the like.
  • the payment application refers to an application capable of providing a payment service function, and may include, but is not limited to, a payment APP (Application, application) provided by a financial institution such as a bank, such as: XX bank client, xxx bank launched Pocket payment APP, etc.; or, a third-party platform payment APP provided by a third-party financial service institution, such as: Alipay APP, TenPay APP, etc.; or, access to payment programs in other applications, such as: A payment plug-in in an instant messaging application, a payment plug-in in an SNS application, and the like.
  • the payment server refers to a server corresponding to the payment application for providing specific payment service processing for the payment application.
  • the smart device refers to an electronic device capable of realizing an interactive entertainment service including an Internet game, audio/video, and the like.
  • the smart device has an internal operating system, which may include, but is not limited to, a Windows (an operating system) system, an Android (Android, an operating system) system, etc., on which at least one interactive entertainment class can be run.
  • Applications here, interactive entertainment applications can include, but are not limited to, game applications, audio/video applications, and the like.
  • the display device connected to the smart device may be the main output device of the interactive interface of the application in the smart device; the display device may include but is not limited to: digital television, projector, PC, PAD (tablet) And other equipment.
  • the terminal device connected to the smart device is a main peripheral control device of the application in the smart device, and the terminal device may include, but is not limited to, a notebook computer, a mobile phone, a PAD, a smart wearable device, and the like. Based on this, the smart device realizes the use of cross-screen and cross-device applications, and can provide users with high-intelligence and high-experience interactive entertainment business services.
  • the interactive entertainment application in the smart device can provide e-commerce services, for example, in a game-like application, an electronic service such as virtual goods and skills can be provided, and the user can use the game-like application during the application. Purchase the required virtual items, skills, etc., and then initiate a payment request to the smart device.
  • the smart device when receiving a payment request in an interactive entertainment application, the smart device jumps to and outputs a payment interface, and the user manually selects a payment method in the payment interface and manually inputs the account information to perform payment. The operation is cumbersome and the payment efficiency is low, and the payment success rate is low.
  • the embodiment of the present invention is directed to simplifying the payment processing process.
  • the smart device may intercept a payment request including a payment parameter in a target application in the smart device, and acquire the target application by using a preset executable file. Attribute information; generating a graphic code according to the payment request, and outputting the graphic code, causing the terminal device to implement payment processing by scanning the graphic code to interact with the payment server to obtain a payment result, and then feeding the payment result to the target
  • the application thus completes the payment process in the target application.
  • the payment processing is performed by using the graphic code scanning method, which greatly simplifies the payment operation process, and avoids the time resource consumption and the possible input errors caused by manually inputting the account information, improves the payment processing efficiency, and improves the payment success rate.
  • the embodiment of the present invention provides a payment processing method, which can be applied to the smart device shown in FIG. 1.
  • the method may include the following steps S101-S105.
  • S101 Intercept a payment request in a target application in the smart device, where the payment request includes a payment parameter.
  • the method specifically performs the following steps s11-s12:
  • the smart device may invoke an operating system component (for example, an Activity component of the Android system) to intercept the payment request.
  • an operating system component for example, an Activity component of the Android system
  • the operating system component is a component responsible for interacting with the user, and may provide an interface. To achieve interaction with the user and control all operations related to user interaction. After the operating system component intercepts the payment request, the smart device no longer jumps to the payment interface.
  • a pre-built executable is a program file that can be embedded in the process of the operating system and that can acquire the required information in the embedded host process.
  • the preset executable file may be a Jar package file.
  • the source code may be compiled in a Java language, and the source code has the function of obtaining attribute information of the target application from the process; and then the jar source is used to encapsulate the Java source code.
  • Jar package file In a specific implementation, in the process of performing step S102, the method specifically performs the following steps s21-s22:
  • a process is used to describe a running activity of a computer program and is the entity of the program.
  • the process of the target application is generated in the operating system of the smart device, and in step s21-s22, the preset executable file (Jar package file) can be embedded into the process of the target application.
  • the Java source code in the Jar package file can obtain the attribute information of the target application.
  • the attribute information may include, but is not limited to, identification information.
  • the identification information may be an Application Identification (APPID) and/or a Payment ID (OfferID), and one identification information is used to uniquely identify an application.
  • APPID Application Identification
  • OfferID Payment ID
  • the preset executable file can also synchronously acquire the payment request generated in the target application.
  • the graphic code may include, but is not limited to, a one-dimensional barcode, a two-dimensional graphic code, and the like.
  • the two-dimensional graphic code may be a QR (Quick Response) code, a PDF417 (Portable Document Format 417, a high information content portable data file) code, a Data Matrix (a two-dimensional code), or the like.
  • QR Quick Response
  • PDF417 Portable Document Format 417
  • Data Matrix a two-dimensional code
  • the payment request carries the payment parameter
  • the payment parameter may include: the payer identifier, the payee identifier, the total amount of payment, And the identification and quantity of items to be paid.
  • the payer identifier refers to the ID of the user who performs the item purchase or service fee in the target application.
  • the payee identification is the ID of the item provider or service provider in the target application.
  • the total amount of payment refers to the amount that the payer needs to pay in total for the purchased item or the service consumed.
  • the identification of the item to be paid refers to the identification of the item or service to be purchased in the target application.
  • the smart device parses the received payment request according to the message format of the payment request, and parses the payment parameter.
  • at least one SDK (Software Development Kit) for payment may be pre-stored in the smart device, for example, a payment provided by a pre-stored third-party platform (eg, Alipay) SDK, then, the smart device supports payment using the payment application of the third-party platform in the terminal device.
  • a pre-stored third-party platform eg, Alipay
  • the smart device supports payment using the payment application of the third-party platform in the terminal device.
  • pre-storing the payment SDK provided by the instant messaging application then the smart device supports payment using the payment plug-in of the instant messaging application in the terminal device.
  • the smart device may pre-store a payment component, and the payment component provides an MSDK (Mixed SDK, a composite SDK), which integrates financial institutions including banks, third-party financial service institutions, and others. At least one provided by the application developer Paying for the SDK, then the smart device supports payment using the bank APP client in the terminal device, the third party platform payment app, and a payment plug-in program such as other applications. In step s32, the smart device may call the pre-stored payment SDK to encode the payment parameter to generate a graphic code.
  • MSDK Mated SDK, a composite SDK
  • step S104 the smart device can output the graphic code through the display device connected thereto, so that the terminal device completes the payment by scanning the graphic code, thereby improving convenience and payment efficiency.
  • the method specifically performs the following steps s41-s42:
  • the display device comprises: any one of a digital television, a projector, a PC, and a tablet.
  • the graphic code is transmitted to the display device for display, the terminal device scans the graphic code displayed by the display device to obtain the payment parameter, and the terminal device acquires account information for making payment, And transmitting the account information and the payment parameter to a payment server, and the payment server performs payment processing on the account information according to the payment parameter and returns a payment result.
  • the terminal device scans the graphic code displayed by the display device to obtain a payment parameter, and the terminal device outputs a payment prompt in its own screen, the payment prompt including the content of the payment parameter; when the user confirms the payment
  • the terminal device obtains account information for payment, where the account information may include: bank card information, credit card information, third-party electronic account information, and a corresponding payment password.
  • the terminal device sends the payment parameter and the account information to the payment server, and the payment server verifies the account information. If the verification is passed, the payment processing is performed on the account information according to the payment parameter to obtain a payment result.
  • the payment processing process herein may include: removing the monetary resource of the corresponding amount from the electronic account represented by the account information, and transferring the monetary resource of the corresponding amount to the corresponding associated account of the payee identification.
  • the payment results here include: payment success or payment failure.
  • the payment server returns the payment result to the smart device.
  • the method performs the following steps in the process of performing step S105.
  • S51-s52 the following steps in the process of performing step S105.
  • the preset executable file may be instantiated to form a payment object instance, and the prepayment instance is obtained by the payment object instance.
  • the executable file establishes a communication connection with the target application and transfers data to each other.
  • the smart device invokes a callback function, and delivers the payment result to a preset executable file (Jar package file) in the process of the target application, and then passes the preset executable file (Jar package file) through the payment object.
  • the instance passes the payment result to the target application to complete the payment process in the target application.
  • the payment processing method of the embodiment of the present invention may intercept a payment request including a payment parameter in a target application in the smart device, and acquire attribute information of the target application by using a preset executable file; Requesting to generate a graphic code, by outputting the graphic code, causing the terminal device to perform payment processing by scanning the graphic code to implement payment processing to obtain a payment result, and then feeding the payment result to the target application to complete the target application.
  • the payment processing is performed by using the graphic code scanning method, which greatly simplifies the payment operation process, and avoids the time resource consumption and the possible input errors caused by manually inputting the account information, improves the payment processing efficiency, and improves the payment success rate.
  • the embodiment of the present invention provides a smart device.
  • the internal structure of the smart device may include, but is not limited to, a processor, a network interface, and a memory.
  • the processor, the network interface, and the memory in the smart device can be connected by a bus or other means.
  • a bus connection is taken as an example for description.
  • the processor (or CPU (Central Processing Unit)) is a computing core and a control core of the smart device, and can parse various types of instructions in the smart device and process various types of data of the smart device.
  • Memory is a memory device in a smart device for storing programs and data, which may include, but is not limited to, ROM, RAM, CD-ROM, and other removable memories and the like. It can be understood that the memory herein can include the built-in memory of the smart device, and of course, the extended memory supported by the smart device.
  • Memory provides storage space, The storage space stores the operating system of the smart device, and can also store program code, function modules, and the like. The operating system can include, but is not limited to, a windows system, an Android system, and the like. In the embodiment of the present invention, the storage space of the memory further stores the payment processing device.
  • the smart device performs the corresponding steps of the method flow shown in FIG. 1 above by running a payment processing device in the memory.
  • the payment processing device operates as follows:
  • the intercepting unit 101 is configured to intercept a payment request in a target application in the smart device, where the payment request includes a payment parameter.
  • the obtaining unit 102 is configured to acquire attribute information of the target application by using a preset executable file.
  • the generating unit 103 is configured to generate a graphic code according to the payment request.
  • the output unit 104 is configured to output the graphic code, so that the terminal device submits the payment parameter to the payment server by scanning the graphic code, and reports the account information to the payment server, according to the payment parameter by the payment server. And the account information is processed for payment and returns a payment result.
  • the feedback unit 105 is configured to feed back the payment result to the target application according to the attribute information of the target application.
  • the device runs the following unit in the process of running the intercepting unit 101:
  • the component invoking unit 1001 invokes an operating system component of the smart device when a payment request is detected in a target application within the smart device.
  • the interception unit 1002 is configured to intercept the payment request by using the operating system component.
  • the device runs the following unit in the process of running the obtaining unit 102:
  • the embedding unit 2001 is configured to embed a preset executable file in a process of the target application.
  • the attribute information obtaining unit 2002 is configured to acquire attribute information of the target application by using the embedded preset executable file, where the attribute information includes identification information.
  • the device in the process of running the generating unit 103, the device specifically runs the following units:
  • a payment parameter extraction unit 3001 configured to extract the payment parameter from the payment request, where
  • the payment parameters include: the payer identification, the payee identification, the total amount of payment, and the identification and quantity of the item to be paid.
  • the encoding processing unit 3002 is configured to invoke a software development kit for payment to perform encoding processing on the payment parameter to generate a graphic code, where the graphic code includes a one-dimensional barcode or a two-dimensional graphic code.
  • the device in the process of running the output unit 104, the device specifically runs the following units:
  • the connection unit 4001 establishes a communication connection with the display device, and the display device includes any one of a digital television, a projector, a PC, and a tablet.
  • a transmitting unit 4002 configured to transmit the graphic code to the display device for display, so that the terminal device may scan a graphic code displayed by the display device to obtain the payment parameter, and obtain a payment for performing payment.
  • Account information and transmitting the account information and the payment parameter to a payment server, so that the payment server performs payment processing on the account information according to the payment parameter and returns a payment result.
  • the device in the process of running the feedback unit 105, the device specifically runs the following units:
  • the callback function invoking unit 5001 is configured to invoke the callback function according to the attribute information of the target application.
  • the payment result delivery unit 5002 is configured to deliver the payment result to the target application using the callback function.
  • the smart device and the payment processing device in the embodiment of the present invention can intercept the payment request including the payment parameter in the target application in the smart device, and acquire the Attribute information of the target application; generating a graphic code according to the payment request, and outputting the graphic code, causing the terminal device to implement payment processing by scanning the graphic code and interacting with the payment server to obtain a payment result, and then feeding back the payment result Go to the target application to complete the payment process in the target application.
  • the payment processing is performed by using the graphic code scanning method, which greatly simplifies the payment operation process, and avoids the time resource consumption and the possible input errors caused by manually inputting the account information, improves the payment processing efficiency, and improves the payment success rate.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).
  • the above computer readable storage medium may also be various types of recording media that the computer device can access through a network or a communication link, for example, a recording medium that can extract data therein through a router, the Internet, a local area network, or the like.
  • the computer readable storage medium described above may also be a plurality of computer readable storage media located in the same computer system, or a computer readable storage medium distributed across a plurality of computer systems or computing devices.

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Abstract

一种支付处理方法、装置及智能设备，可包括：拦截所述智能设备内的目标应用程序中的支付请求(S101)，所述支付请求包括支付参数；采用预置可执行文件获取所述目标应用程序的属性信息(S102)；根据所述支付请求生成图形码(S103)；输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果(S104)；根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序(S105)。该方法能够简化支付操作流程，提升支付效率。

Description

支付处理方法、装置、及智能设备
相关申请的交叉参考
本申请要求于2016年2月4日在中国专利局提交的申请号为201610079780.2、标题为“一种支付处理方法、装置及智能设备”的发明专利申请的优先权，其全部内容结合于此作为参考。
技术领域
本发明涉及互联网技术领域，具体涉及互联网支付技术领域，尤其涉及一种支付处理方法、装置、及智能设备。
背景技术
目前，智能设备内的应用程序可以提供电子商务服务，例如：游戏类的应用程序中，可以提供虚拟物品、技能等电子商务服务，用户可以在该游戏类的应用程序的使用过程中，购买所需要的虚拟物品、技能等，进而向智能设备发起支付请求。当前技术中，在接收到互动娱乐类的应用程序中的支付请求时，智能设备会调用并输出支付界面，用户可以在该支付界面中选择支付方式(如银行卡支付、信用卡支付、第三方平台支付等等)，并手动输入用于支付的账户信息以确认支付，再由智能设备通过互动娱乐类的应用程序的后台服务器转发至对应的支付平台完成支付并反馈支付结果。上述支付处理的过程中，需要用户使用智能设备的外设操控设备手动地在支付界面输入账户信息进行支付，这样的操作过程较为繁琐，支付效率较低，且容易由于输入错误降低支付成功率。
发明内容
本发明实施例提供一种支付处理方法、装置、及智能设备，能够简化支付操作流程，提升支付效率。
本发明实施例提供一种支付处理方法，应用于智能设备，可包括：
拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数；
采用预置可执行文件获取所述目标应用程序的属性信息；
根据所述支付请求生成图形码；
输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果；
根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
本发明实施例还提供一种支付处理装置，应用于智能设备，可包括：
拦截单元，用于拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数；
获取单元，用于采用预置可执行文件获取所述目标应用程序的属性信息；
生成单元，用于根据所述支付请求生成图形码；
输出单元，用于输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果；
反馈单元，用于根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
本发明实施例还提供一种智能设备，可包括上述支付处理装置。
本发明实施例可拦截所述智能设备内的目标应用程序中的包括支付参数的支付请求，并采用预置可执行文件获取所述目标应用程序的属性信息；根据所述支付请求生成图形码，通过输出所述图形码，使终端设备通过扫描所述图形码与支付服务器交互实现支付处理获得支付结果，再将所述支付结果反馈至所述目标应用程序从而完成目标应用程序中的支付过程。采用图形码扫描的方式进行支付处理，大大简化了支付操作流程，且避免手动输入账户信息所带来的时间资源消耗以及可能出现的输入错误，提升支付效率，提升支付成功率。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述 中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种支付处理系统的结构示意图；
图2为本发明实施例提供的一种支付处理方法的流程图；
图3为本发明实施例提供的一种智能设备的结构示意图；
图4为本发明实施例提供的一种支付处理装置的结构示意图。
具体实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
本发明实施例提供了一种支付处理系统，参见图1，该系统可包括：智能设备、显示设备、终端设备以及支付服务器。其中，智能设备可以通过诸如线缆，HDMI(High Definition Multimedia Interface，高清晰度多媒体接口)等有线方式与显示设备相连接。终端设备可以通过诸如GPRS(General Packet Radio Service，通用分组无线服务技术)、WIFI(Wireless Fidelity，无线保真)等无线方式与智能设备相连接。终端设备可安装并运行至少一个应用程序，该应用程序可包括但不限于：即时通信应用程序、SNS(Social Networking Services，社会性网络服务)应用程序、支付应用程序等等。其中，支付应用程序是指能够提供支付服务功能的应用程序，可以包括但不限于：由银行等金融机构所提供的支付APP(Application，应用程序)，如：XX银行客户端、xxx银行推出的掌上支付APP等等；或者，由第三方金融服务机构所提供的第三方平台支付APP，如：支付宝APP、财付通APP等等；或者，接入至其他应用程序中的支付程序，如：即时通信应用程序中的支付插件程序、SNS应用程序中的支付插件程序等等。支付服务器是指支付应用程序所对应的服务器，用于为支付应用程序提供具体的支付服务处理。当用户使用终端设备中的支付应用程序为所购买的物品或所消费的服务进行支付时，终端设备与支付设备建立通信连接。
本发明实施例中，智能设备是指能够实现包括互联网游戏、音/视频等互动娱乐业务的电子设备。智能设备内置操作系统，该操作系统可以包括但不限于：Windows(一种操作系统)系统，Android(安卓，一种操作系统)系统等等，在此操作系统之上可以运行至少一个互动娱乐类的应用程序，此处，互动娱乐类的应用程序可以包括但不限于游戏类应用程序、音/视频类应用程序等等。实际应用中，与智能设备相连接的显示设备可以为智能设备内的应用程序的交互界面的主要输出设备；该显示设备可以包括但不限于：数字电视、投影仪、PC、PAD(平板电脑)等设备。与智能设备相连接的终端设备是智能设备内的应用程序的主要外设操控设备，该终端设备可以包括但不限于：笔记本电脑、手机、PAD、智能可穿戴设备等设备。基于此，智能设备实现了跨屏、跨设备的应用程序的使用，能够为用户提供高智能、高体验的互动娱乐业务服务。
智能设备内的互动娱乐类的应用程序可以提供电子商务服务，例如：游戏类的应用程序中，可以提供虚拟物品、技能等电子商务服务，用户可以在该游戏类的应用程序的使用过程中，购买所需要的虚拟物品、技能等，进而向智能设备发起支付请求。现有技术中，在接收到互动娱乐类的应用程序中的支付请求时，智能设备会跳转到并输出支付界面，由用户在该支付界面中手动选择支付方式并手动输入账户信息进行支付，操作繁琐且支付效率较低，支付成功率较低。本发明实施例旨在简化支付处理流程，具体地，智能设备可拦截所述智能设备内的目标应用程序中的包括支付参数的支付请求，并采用预置可执行文件获取所述目标应用程序的属性信息；根据所述支付请求生成图形码，通过输出所述图形码，使终端设备通过扫描所述图形码与支付服务器交互实现支付处理获得支付结果，再将所述支付结果反馈至所述目标应用程序从而完成目标应用程序中的支付过程。采用图形码扫描的方式进行支付处理，大大简化了支付操作流程，且避免手动输入账户信息所带来的时间资源消耗以及可能出现的输入错误，提升支付处理效率，提升支付成功率。
基于上述描述，本发明实施例提供了一种支付处理方法，该方法可以应用于图1所示的智能设备中，请参见图2，该方法可包括以下步骤S101-S105。
S101，拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数。
在使用智能设备内的目标应用程序的过程中，如果需要购买物品或消费服务，用户可以在该目标应用程序中发起支付请求，智能设备会接收到该支付请求，从而跳转到并输出支付界面，本步骤中，智能设备需要拦截该支付请求以阻止跳转至支付界面。具体实现中，该方法在执行步骤S101的过程中，具体执行如下步骤s11-s12：
s11，当在所述智能设备内的目标应用程序中检测到支付请求时，调用所述智能设备的操作系统组件。
s12，采用所述操作系统组件拦截所述支付请求。
上述步骤s11-s12中，智能设备可调用操作系统组件(例如：Android系统的Activity组件)拦截支付请求，需要说明的是，该操作系统组件是一个负责与用户交互的组件，其可提供一个界面来实现与用户的交互，并控制所有与用户交互相关的操作。采用该操作系统组件拦截支付请求后，智能设备不再跳转到支付界面。
S102，采用预置可执行文件获取所述目标应用程序的属性信息。
预置可执行文件是指能够被嵌入至操作系统的进程中，并且能够在所嵌入的宿主进程中获取所需要的信息的程序文件。预置可执行文件可以为Jar包文件，具体地：可以采用Java语言编译源代码，该源代码具备从进程中获取目标应用程序的属性信息的功能；再采用jar命令对Java源代码进行封装形成Jar包文件。具体实现中，该方法在执行步骤S102的过程中，具体执行如下步骤s21-s22：
s21，在所述目标应用程序的进程中嵌入预置可执行文件。
s22，采用所嵌入的预置可执行文件获取所述目标应用程序的属性信息，所述属性信息包括标识信息。
进程(Process)用于描述计算机程序的一次运行活动，是程序的实体。目标应用程序运行时，智能设备的操作系统中会产生该目标应用程序的进程，在步骤s21-s22中，可以将预置可执行文件(Jar包文件)嵌入至该目标应用程序的进程中，Jar包文件中的Java源代码则可获取该目标应用程序的属性信息， 所述属性信息可以包括但不限于标识信息。此处，标识信息可以是应用标识(Application Identification，APPID)和/或支付标识(OfferID)，一个标识信息用于唯一标识一个应用程序。可以理解的是，该预置可执行文件还可以同步获取在该目标应用程序中产生的支付请求。
S103，根据所述支付请求生成图形码。
所述图形码可包括但不限于：一维条形码、二维图形码等等。其中二维图形码可以为QR(Quick Response，快速反应)码、PDF417(Portable Document Format 417，高信息含量的便携式数据文件)码、Data Matrix(一种二维码)等等。具体实现中，该方法在执行步骤S103的过程中，具体执行如下步骤s31-s32：
s31，从所述支付请求中提取所述支付参数。
s32，调用用于支付的软件开发工具包对所述支付参数进行编码处理，生成图形码。
用户在使用目标应用程序的过程中，如果需要购买物品或消费服务而发起支付请求，则该支付请求中会携带支付参数，该支付参数可包括：支付方标识、收款方标识、支付总额、以及待支付物品的标识和数量。其中，支付方标识是指进行物品购买或服务费的用户在该目标应用程序中的ID。收款方标识是指物品提供者或服务提供者在该目标应用程序中的ID。支付总额是指支付方总共需要为所购买的物品或所消费的服务而支付的金额。待支付物品的标识是指所要购买的物品或服务在该目标应用程序中的标识。步骤s31中，智能设备按照支付请求的消息格式对所接收到的支付请求进行解析，可解析出支付参数。在本发明的一种可行的实施方式中，智能设备中可预存至少一个用于支付的SDK(Software Development Kit，软件开发工具包)，例如：预存第三方平台(如：支付宝)所提供的支付SDK，那么，智能设备支持使用终端设备中第三方平台的支付应用程序完成支付。再如：预存即时通信应用程序提供的支付SDK，那么，智能设备支持使用终端设备中的即时通信应用程序的支付插件完成支付。在本发明的另一种可行的实施方式中，智能设备可预存支付组件，该支付组件提供MSDK(Mixed SDK，复合SDK)，该MSDK集成了包括银行等金融机构、第三方金融服务机构以及其他应用程序开发商所提供的至少一个 支付SDK，那么，智能设备支持使用终端设备中的银行APP客户端、第三方平台支付APP及诸如其他应用程序的支付插件程序完成支付。步骤s32中，智能设备可以调用其预存的支付SDK对所述支付参数进行编码处理，生成图形码。
S104，输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果。
本步骤S104中，智能设备可以通过与其相连接的显示设备输出该图形码，以使终端设备通过扫描该图形码完成支付，提升便捷性和支付效率。具体实现中，该方法在执行步骤S104的过程中，具体执行如下步骤s41-s42：
s41，与显示设备建立通信连接，所述显示设备包括：数字电视、投影仪、PC、平板电脑中的任一种。
s42，将所述图形码传递至所述显示设备中进行显示，所述终端设备扫描所述显示设备所显示的图形码获得所述支付参数，所述终端设备获取用于进行支付的账户信息，并将所述账户信息及所述支付参数发送至支付服务器，所述支付服务器根据所述支付参数对所述账户信息进行支付处理并返回支付结果。
步骤s41-s42中，终端设备扫描显示设备所显示的图形码会获得支付参数，并且，终端设备在自身的屏幕中输出支付提示，该支付提示包括所述支付参数的内容；当用户确认支付时，终端设备会获取用于支付的账户信息，此处的账户信息可包括：银行卡信息、信用卡信息、第三方电子账户信息、以及相应的支付密码。此时，终端设备将支付参数及账户信息一并发送至支付服务器，支付服务器验证所述账户信息，若验证通过，则根据所述支付参数对所述账户信息进行支付处理获得支付结果。可以理解的是，此处的支付处理过程可包括：从所述账户信息所表征的电子账户中移除对应金额的货币资源，向收款方标识对应的关联账户中转移对应金额的货币资源。此处的支付结果包括：支付成功或支付失败。支付服务器将支付结果返回至智能设备。
S105，根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
具体实现中，该方法在执行步骤S105的过程中，具体执行如下步骤 s51-s52：
s51，根据所述目标应用程序的属性信息调用回调函数。
s52，使用所述回调函数将所述支付结果传递给所述目标应用程序。
本发明实施例中，预置可执行文件(Jar包文件)在获取到目标应用程序的属性信息以及支付请求之后，可将其实例化，以形成支付对象实例，通过该支付对象实例，该预置可执行文件(Jar包文件)可与目标应用程序建立通信连接并相互传输数据。步骤s51-s52中，智能设备调用回调函数，将支付结果传递至目标应用程序的进程内的预置可执行文件(Jar包文件)，再由预置可执行文件(Jar包文件)通过支付对象实例将支付结果传递至目标应用程序，从而完成目标应用程序中的支付过程。
本发明实施例的支付处理方法，可拦截所述智能设备内的目标应用程序中的包括支付参数的支付请求，并采用预置可执行文件获取所述目标应用程序的属性信息；根据所述支付请求生成图形码，通过输出所述图形码，使终端设备通过扫描所述图形码与支付服务器交互实现支付处理获得支付结果，再将所述支付结果反馈至所述目标应用程序从而完成目标应用程序中的支付过程。采用图形码扫描的方式进行支付处理，大大简化了支付操作流程，且避免手动输入账户信息所带来的时间资源消耗以及可能出现的输入错误，提升支付处理效率，提升支付成功率。
本发明实施例提供了一种智能设备，请参见图3，该智能设备的内部结构可包括但不限于：处理器、网络接口、及存储器。其中，智能设备内的处理器、网络接口、及存储器可通过总线或其他方式连接，在本发明实施例所示图3中，以通过总线连接为例进行说明。
其中，处理器(或称CPU(Central Processing Unit，中央处理器))是智能设备的计算核心以及控制核心，其可以解析智能设备内的各类指令以及处理智能设备的各类数据。存储器(Memory)是智能设备中的记忆设备，用于存放程序和数据，其可以包括但不限于ROM、RAM、CD-ROM、以及其他可移除存储器等等。可以理解的是，此处的存储器既可以包括智能设备的内置存储器，当然也可以包括智能设备所支持的扩展存储器。存储器提供存储空间，该 存储空间存储了智能设备的操作系统，还可以存储程序代码、功能模块等等，该操作系统可以包括但不限于：windows系统、Android系统等等。本发明实施例中，存储器的存储空间还存储了支付处理装置。智能设备通过运行存储器中的支付处理装置来执行上述图1所示方法流程的相应步骤。
请参见图4，该支付处理装置运行如下单元：
拦截单元101，用于拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数。
获取单元102，用于采用预置可执行文件获取所述目标应用程序的属性信息。
生成单元103，用于根据所述支付请求生成图形码。
输出单元104，用于输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果。
反馈单元105，用于根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
具体实现中，该装置在运行所述拦截单元101的过程中，具体运行如下单元：
组件调用单元1001，当在所述智能设备内的目标应用程序中检测到支付请求时，调用所述智能设备的操作系统组件。
请求拦截单元1002，采用所述操作系统组件拦截所述支付请求。
具体实现中，该装置在运行所述获取单元102的过程中，具体运行如下单元：
嵌入单元2001，用于在所述目标应用程序的进程中嵌入预置可执行文件。
属性信息获取单元2002，用于采用所嵌入的预置可执行文件获取所述目标应用程序的属性信息，所述属性信息包括标识信息。
具体实现中，该装置在运行所述生成单元103的过程中，具体运行如下单元：
支付参数提取单元3001，用于从所述支付请求中提取所述支付参数，所 述支付参数包括：支付方标识、收款方标识、支付总额、以及待支付物品的标识和数量。
编码处理单元3002，用于调用用于支付的软件开发工具包对所述支付参数进行编码处理，生成图形码，所述图形码包括一维条形码或二维图形码。
具体实现中，该装置在运行所述输出单元104的过程中，具体运行如下单元：
连接单元4001，与显示设备建立通信连接，所述显示设备包括：数字电视、投影仪、PC、平板电脑中的任一种。
传送单元4002，用于将所述图形码传递至所述显示设备中进行显示，以使所述终端设备可以扫描所述显示设备所显示的图形码获得所述支付参数，获取用于进行支付的账户信息，并将所述账户信息及所述支付参数发送至支付服务器，以使所述支付服务器根据所述支付参数对所述账户信息进行支付处理并返回支付结果。
具体实现中，该装置在运行所述反馈单元105的过程中，具体运行如下单元：
回调函数调用单元5001，用于根据所述目标应用程序的属性信息调用回调函数。
支付结果传递单元5002，用于使用所述回调函数将所述支付结果传递给所述目标应用程序。
与方法同理，本发明实施例的智能设备及其内的支付处理装置，可拦截所述智能设备内的目标应用程序中的包括支付参数的支付请求，并采用预置可执行文件获取所述目标应用程序的属性信息；根据所述支付请求生成图形码，通过输出所述图形码，使终端设备通过扫描所述图形码与支付服务器交互实现支付处理获得支付结果，再将所述支付结果反馈至所述目标应用程序从而完成目标应用程序中的支付过程。采用图形码扫描的方式进行支付处理，大大简化了支付操作流程，且避免手动输入账户信息所带来的时间资源消耗以及可能出现的输入错误，提升支付处理效率，提升支付成功率。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程， 是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在被数据处理设备运行时，可执行包括如上述各方法的实施例的流程，具体请参照上文结合附图对实施例的描述。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等。
另外，上述计算机可读存储介质还可以是计算机装置可以通过网络或通信链接访问的各种类型的记录媒体，例如，可以通过路由器、互联网、局域网等提取其中的数据的记录媒体。此外，上述计算机可读存储介质还可以是位于同一计算机系统中的多个计算机可读存储介质，也可以指分布于多个计算机系统或计算装置的计算机可读存储介质。
以上所揭露的仅为本发明较佳实施例而已，当然不能以此来限定本发明之权利范围，因此依本发明权利要求所作的等同变化，仍属本发明所涵盖的范围。

Claims (18)

  1. 一种支付处理方法，应用于智能设备，该方法包括：
    拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数；
    采用预置可执行文件获取所述目标应用程序的属性信息；
    根据所述支付请求生成图形码；
    输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果；
    根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
  2. 如权利要求1所述的方法，其中，所述拦截所述智能设备内的目标应用程序中的支付请求，包括：
    当在所述智能设备内的目标应用程序中检测到支付请求时，调用所述智能设备的操作系统组件；
    采用所述操作系统组件拦截所述支付请求。
  3. 如权利要求1所述的方法，其中，所述采用预置可执行文件获取所述目标应用程序的属性信息，包括：
    在所述目标应用程序的进程中嵌入预置可执行文件；
    采用所嵌入的预置可执行文件获取所述目标应用程序的属性信息，所述属性信息包括标识信息。
  4. 如权利要求1所述的方法，其中，所述根据所述支付请求生成图形码，包括：
    从所述支付请求中提取所述支付参数，所述支付参数包括：支付方标识、收款方标识、支付总额、以及待支付物品的标识和数量；
    调用用于支付的软件开发工具包对所述支付参数进行编码处理，生成图形码，所述图形码包括一维条形码或二维图形码。
  5. 如权利要求4所述的方法，其中，所述输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果，包括：
    与显示设备建立通信连接，所述显示设备包括：数字电视、投影仪、PC、平板电脑中的任一种；
    将所述图形码传递至所述显示设备中进行显示，以使所述终端设备扫描所述显示设备所显示的图形码获得所述支付参数，获取用于进行支付的账户信息，并将所述账户信息及所述支付参数发送至支付服务器，以使所述支付服务器根据所述支付参数对所述账户信息进行支付处理并返回支付结果。
  6. 如权利要求5所述的方法，其中，所述根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序，包括：
    根据所述目标应用程序的属性信息调用回调函数；
    使用所述回调函数将所述支付结果传递给所述目标应用程序。
  7. 一种支付处理装置，应用于智能设备，该装置包括：
    拦截单元，用于拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数；
    获取单元，用于采用预置可执行文件获取所述目标应用程序的属性信息；
    生成单元，用于根据所述支付请求生成图形码；
    输出单元，用于输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果；
    反馈单元，用于根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
  8. 如权利要求7所述的装置，其中，所述拦截单元包括：
    组件调用单元，当在所述智能设备内的目标应用程序中检测到支付请求时，调用所述智能设备的操作系统组件；
    请求拦截单元，采用所述操作系统组件拦截所述支付请求。
  9. 如权利要求7所述的装置，其中，所述获取单元包括：
    嵌入单元，用于在所述目标应用程序的进程中嵌入预置可执行文件；
    属性信息获取单元，用于采用所嵌入的预置可执行文件获取所述目标应用程序的属性信息，所述属性信息包括标识信息。
  10. 如权利要求7所述的装置，其中，所述生成单元包括：
    支付参数提取单元，用于从所述支付请求中提取所述支付参数，所述支付参数包括：支付方标识、收款方标识、支付总额，以及待支付物品的标识和数量；
    编码处理单元，用于调用用于支付的软件开发工具包对所述支付参数进行编码处理，生成图形码，所述图形码包括一维条形码或二维图形码。
  11. 如权利要求10所述的装置，其中，所述输出单元包括：
    连接单元，与显示设备建立通信连接，所述显示设备包括：数字电视、投影仪、PC、平板电脑中的任一种；
    传送单元，用于将所述图形码传递至所述显示设备中进行显示，以使所述终端设备扫描所述显示设备所显示的图形码获得所述支付参数，获取用于进行支付的账户信息，并将所述账户信息及所述支付参数发送至支付服务器，以使所述支付服务器根据所述支付参数对所述账户信息进行支付处理并返回支付结果。
  12. 如权利要求11所述的装置，其中，所述反馈单元包括：
    回调函数调用单元，用于根据所述目标应用程序的属性信息调用回调函数；
    支付结果传递单元，用于使用所述回调函数将所述支付结果传递给所述目标应用程序。
  13. 一种计算机可读存储介质，配置为存储计算机可读指令，当在数据处理设备上执行所述计算机可读指令时，使得所述数据处理设备执行预定操作，所述预定操作包括：
    拦截所述智能设备内的目标应用程序中的支付请求，所述支付请求包括支付参数；
    采用预置可执行文件获取所述目标应用程序的属性信息；
    根据所述支付请求生成图形码；
    输出所述图形码，使终端设备通过扫描所述图形码向支付服务器提交所述支付参数，并向所述支付服务器上报账户信息，由所述支付服务器根据所述支付参数及所述账户信息进行支付处理并返回支付结果；
    根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序。
  14. 如权利要求13所述的计算机可读存储介质，其中，所述拦截所述智能设备内的目标应用程序中的支付请求，包括：
    当在所述智能设备内的目标应用程序中检测到支付请求时，调用所述智能设备的操作系统组件；
    采用所述操作系统组件拦截所述支付请求。
  15. 如权利要求13所述的计算机可读存储介质，其中，所述采用预置可执行文件获取所述目标应用程序的属性信息，包括：
    在所述目标应用程序的进程中嵌入预置可执行文件；
    采用所嵌入的预置可执行文件获取所述目标应用程序的属性信息，所述属性信息包括标识信息。
  16. 如权利要求13所述的计算机可读存储介质，其中，所述根据所述支付请求生成图形码，包括：
    从所述支付请求中提取所述支付参数，所述支付参数包括：支付方标识、收款方标识、支付总额、以及待支付物品的标识和数量；
    调用用于支付的软件开发工具包对所述支付参数进行编码处理，生成图形码，所述图形码包括一维条形码或二维图形码。
  17. 如权利要求13所述的计算机可读存储介质，其中，所述输出所述图形码的操作，包括：
    与显示设备建立通信连接，所述显示设备包括：数字电视、投影仪、PC、平板电脑中的任一种；
    将所述图形码传递至所述显示设备中进行显示，以使所述终端设备扫描所述显示设备所显示的图形码获得所述支付参数，获取用于进行支付的账户信息，并将所述账户信息及所述支付参数发送至支付服务器，以使所述支付服务器根据所述支付参数对所述账户信息进行支付处理并返回支付结果。
  18. 如权利要求13所述的计算机可读存储介质，其中，所述根据所述目标应用程序的属性信息将所述支付结果反馈至所述目标应用程序，包括：
    根据所述目标应用程序的属性信息调用回调函数；
    使用所述回调函数将所述支付结果传递给所述目标应用程序。
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