WO2019128712A1

WO2019128712A1 - Payment interaction method and system, and storage medium

Info

Publication number: WO2019128712A1
Application number: PCT/CN2018/120550
Authority: WO
Inventors: 邢玉景; 黄振兴; 许升; 舒海
Original assignee: 青岛胶南海尔洗衣机有限公司
Priority date: 2017-12-27
Filing date: 2018-12-12
Publication date: 2019-07-04
Also published as: CN109978530B; CN109978530A

Abstract

A payment interaction method, a mobile terminal, a service machine, a server, a payment interaction system, and a storage medium, the method comprising: a mobile terminal pairing with a service machine (110); after determining that payment for a selected service function of the service machine is successful, the mobile terminal sending pairing information of the mobile terminal and the service machine, payment information of the service function, and the service function of the service machine to a server, and receiving a verification signal returned by the server (120); and the mobile terminal sending the verification signal to the service machine (130).

Description

Payment interaction method, system and storage medium

The present application claims priority to Chinese Patent Application No. PCT Application No.

Technical field

The present disclosure relates to the field of payment methods, for example, to a payment interaction method, system, and storage medium.

Background technique

Related service machines, such as commercial washing machines, commercial dryers, etc., use the following payment methods. One is to use online payment, but in general, in order to avoid taking up space, such washing machines are usually placed in remote corners, which will cause signals. The strength is so poor that the washing machine and the back-end server can not guarantee normal communication, which seriously affects the payment function of the washing machine, which in turn affects the user's use; the second is to use cash payment, but the method of cash payment requires the staff to be on time and charge in time to facilitate the user. Timely use, waste of manpower and financial resources; third, the use of coin-based payment, users must carry cash, and timely put money in the coin-operated machine, the operation is cumbersome; Fourth, the user swipe integrated circuit (IC) card payment, The user should recharge the IC card in time when the balance of the card is used, and set the recharge point and equip the corresponding staff, which wastes manpower, material resources and financial resources, and the operation is cumbersome.

Summary of the invention

The present disclosure provides a payment interaction method, system, and storage medium, which can solve the above problems of related payment methods.

In an embodiment, the present disclosure provides a payment interaction method, including:

The mobile terminal is paired with the service machine;

After determining that the service function payment of the selected service machine is successful, the mobile terminal pairs information of the mobile terminal with the service machine, payment information of the service function, and service function of the service machine Sending to the server and receiving a check signal returned by the server;

The mobile terminal transmits the verification signal to the service machine.

In an embodiment, the present disclosure provides another payment interaction method, including:

Receiving a verification signal sent by the mobile terminal when the service machine is paired with the mobile terminal;

In the event that it is determined that the verification signal is correct, the service machine begins to operate to provide a service function that matches the verification signal.

In an embodiment, the present disclosure provides yet another payment interaction method, including:

Receiving pairing information of the mobile terminal and the service machine, a service function of the service machine, and payment information of the service function, and transmitting a verification signal to the service if the service function payment of the service machine is determined to be successful Mobile terminal.

In an embodiment, the present disclosure provides a mobile terminal, including:

A memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the method applied to the mobile terminal side when the computer program is executed.

In an embodiment, the present disclosure provides a service machine comprising:

A memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the method applied to the service machine side when the computer program is executed.

In an embodiment, the present disclosure provides a server, including:

A memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the method applied to the server side when the computer program is executed.

In an embodiment, the present disclosure provides a payment interaction system, including:

At least one mobile terminal configured to perform the above method applied to the mobile terminal side;

At least one service machine configured to perform the above method applied to the service machine side;

The server is set to perform the above method applied to the server side.

In one embodiment, the present disclosure provides a storage medium containing computer executable instructions that, when executed by a computer processor, implement the method described in any of the above embodiments.

DRAWINGS

FIG. 1 is a flowchart of a payment interaction method according to an embodiment of the present disclosure;

2 is a flowchart of another payment interaction method provided by an embodiment of the present disclosure;

FIG. 3 is a flowchart of still another payment interaction method according to an embodiment of the present disclosure;

FIG. 4 is a schematic structural diagram of a mobile terminal according to an embodiment of the present disclosure;

FIG. 5 is a schematic structural diagram of a service machine according to an embodiment of the present disclosure;

FIG. 6 is a schematic structural diagram of a server according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a payment interaction system according to an embodiment of the present disclosure;

FIG. 8 is a schematic diagram of a payment interaction method of a payment interaction system according to an embodiment of the present disclosure.

Detailed ways

The technical solutions of the present disclosure will be described below with reference to the accompanying drawings and embodiments.

Embodiment 1

The present embodiment provides a payment interaction method for offline payment of a service machine. The service machine includes at least a washing machine, a clothes dryer, a dehydrator, and the like. In this embodiment, the payment interaction method is described by taking a washing machine as an example. .

1 is a flowchart of a payment interaction method according to an embodiment of the present disclosure. The method is applied to a mobile terminal. Referring to FIG. 1, the payment interaction method includes:

In step 110, the mobile terminal is paired with the service machine.

Step 120, after determining that the service function payment of the selected service machine is successful, the mobile terminal pairs information of the mobile terminal with the service machine, payment information of the service function, and the service machine. The service function is sent to the server and receives the check signal returned by the server.

Step 130: The mobile terminal sends the verification signal to the service machine.

In an embodiment, determining that the service function of the service machine has been successfully paid may be performed by the mobile terminal, may also be performed by the background server, or may be performed by the mobile terminal and the background server. In an embodiment, the fingerprint of the user for payment is stored in advance in the mobile terminal, and when the fingerprint currently input by the user matches the pre-stored fingerprint, the payment may be determined to be successful. In an embodiment, the mobile terminal may send the user's payment information to the background server, and the background server determines whether the payment is successful. In an embodiment, the mobile terminal may first determine whether the payment is successful, and send the determination result to the background server, and the background server may perform another determination according to the actual situation to obtain a final determination result.

In an embodiment, the mobile terminal may be a smart phone with a payment function, a portable device (PAD), a smart wearable device, or the like.

In an embodiment, the mobile terminal is paired with the service machine, including:

Receiving an encoding of the service machine, pairing with the service machine based on the encoding.

A barcode or a two-dimensional code containing encoded information of the selected service machine is scanned by the camera of the mobile terminal to be paired with the service machine.

In an embodiment, after the mobile terminal is paired with the service machine, the method further includes:

A payment amount matching the at least one service function is generated based on at least one service function selected by the user among the plurality of the service functions of the selected service machine, and the payment amount is provided to the user.

In an embodiment, the sending, by the mobile terminal, the verification signal to the service machine includes:

Prompting to enable the service machine and the Bluetooth function of the mobile terminal;

The mobile terminal transmits the verification signal to the service machine using the Bluetooth function when both the service machine and the Bluetooth function of the mobile terminal are turned on.

In an embodiment, receiving the verification signal returned by the server includes:

Receiving a sound wave signal returned by the server;

Sending, by the mobile terminal, the verification signal to the service machine, including:

The acoustic signal is played to the service machine.

In an embodiment, the verification signal includes encoded information of the selected service machine, selected service function information, and payment information for the service function.

In an embodiment, the service machine includes a washing machine, but is not limited to a washing machine, and may be, for example, a dryer or a machine having a laundry function and a drying function.

In an embodiment, taking the washing machine as an example, the mobile terminal is paired with the washing machine, the user selects the service function through the mobile terminal and pays; after the payment is successful, the mobile terminal sends the pairing information, the payment information, and the selected service function to the server ( Also known as the background server, the background server will generate a check signal and send the check signal to the mobile terminal; the mobile terminal sends a check signal to the washing machine; the washing machine will start running when the check signal matches.

In an application scenario where there is no network or network signal strength difference, the user can realize the mobile terminal and the washing machine by scanning the two-dimensional code or barcode, the user inputs the washing machine code into the mobile terminal, and the user selects the corresponding coded washing machine through the mobile terminal. Pairing.

By installing a Bluetooth or a signal receiver on the washing machine, the mobile terminal transmits the verification signal to the washing machine via Bluetooth, or uses the sound wave signal as a check signal, and the washing machine can receive the signal through the application scenario without network or network signal strength difference. The method of receiving the acoustic signal realizes offline payment.

By adopting the method of the present disclosure, the direct interaction between the mobile terminal and the background server, and the no-network signal interaction between the mobile terminal and the washing machine can realize offline payment, ensuring that the user can use the washing machine normally, and the washing machine cannot interact with the background server. Delaying user use increases user satisfaction.

Embodiment 2

FIG. 2 is a flowchart of another method for payment interaction provided by an embodiment of the present disclosure, which is applied to a service machine, as shown in FIG. 2, and includes:

Step 210: Receive a verification signal sent by the mobile terminal when the service machine is paired with the mobile terminal.

Step 220, in the case that it is determined that the verification signal is correct, the service machine starts to operate to provide a service function that matches the verification signal.

In an embodiment, determining the verification signal is correct, including:

Determining whether the code of the service machine is consistent with the code of the selected service machine corresponding to the check signal;

If the code of the service machine is inconsistent with the code of the selected service machine corresponding to the check signal, the service machine does not run;

If the code of the service machine is consistent with the code of the selected service machine corresponding to the check signal, determining whether the payment information corresponding to the check signal is recorded in the service machine;

If the payment information corresponding to the verification signal is recorded in the service machine, the service machine does not run;

If the payment information corresponding to the verification signal is not recorded in the service machine, the service machine identifies and selects a service function corresponding to the verification signal, and the service machine performs the service function while recording the Check the payment information corresponding to the signal.

In an embodiment, the method further includes:

In the case that the service machine is capable of connecting to the background server, the service machine automatically updates the verification signal that has been successfully matched to the background server;

Embodiment 3

FIG. 3 is a flowchart of still another method for payment interaction provided by an embodiment of the present disclosure, which is applied to a server, as shown in FIG. 3, and includes:

Step 310: Receive pairing information of the mobile terminal and the service machine, a service function of the service machine, and payment information of the service function, and send a verification signal when determining that the service function payment of the service machine is successful. To the mobile terminal.

In an embodiment, the method further includes:

Receiving a verification signal that the service machine has been successfully matched; determining, according to the verification signal that the service machine has successfully matched and the verification signal sent to the mobile terminal, a verification signal that the payment is successful but the matching is unsuccessful;

A refund is made for an order corresponding to the verification signal that the payment was successful but the match was unsuccessful.

Embodiment 4

In an embodiment, an embodiment of the present disclosure provides a mobile terminal. FIG. 4 is a schematic structural diagram of a mobile terminal according to an embodiment of the present disclosure.

The memory 410 and the processor 420 and a computer program stored on the memory 410 and operable on the processor 420, when the processor 420 executes the computer program, implement the above-described method on the mobile terminal side.

In an embodiment, the memory and the processor listed in the above examples are all components of the mobile terminal, and the mobile terminal may further include other components. Taking a smart phone as an example, the smart phone can also include a peripheral interface, a radio frequency (RF) circuit, an audio circuit, a speaker, a display, a camera, a graphics processing unit (GPU), a power management chip, and an input. /Input/Output (I/O) subsystem, other input/control devices, and external ports that communicate over one or more communication buses or signal lines.

Embodiment 5

In an embodiment, the present disclosure provides a service machine. FIG. 5 is a schematic structural diagram of a service machine according to an embodiment of the present disclosure. Referring to FIG. 5, the method includes:

The memory 510, the processor 520, and a computer program stored on the memory 510 and operable on the processor 520, the method of implementing the above-described application on the service machine side when the processor 520 executes the computer program.

In an embodiment, the service machine further includes at least one of the following:

a Bluetooth receiver, connected to the processor, configured to receive a Bluetooth signal;

An acoustic wave receiver coupled to the processor and configured to receive an acoustic signal.

Embodiment 6

In an embodiment, the present disclosure provides a server (also referred to as a background server). FIG. 6 is a schematic structural diagram of a server according to an embodiment of the present disclosure.

The memory 610, the processor 620, and a computer program stored on the memory 610 and operable on the processor 620, when the processor 620 executes the computer program, implements the method of the application on the background server side.

Example 7

In an embodiment, the present disclosure provides a payment interaction system. FIG. 7 is a schematic structural diagram of a payment interaction system according to an embodiment of the present disclosure. Referring to FIG. 7, the method includes:

At least one mobile terminal 710, configured to perform the foregoing method on the mobile terminal side;

At least one service machine 720, configured to perform the above-described application on the service machine side;

The server 730 is set to execute the above-described application on the background server side.

In an embodiment, the pairing of the washing machine and the mobile terminal is implemented by scanning the two-dimensional code or the barcode, and the mobile terminal sends the verification signal to the washing machine by means of Bluetooth. In an embodiment, FIG. 8 is a schematic diagram of a payment interaction method of a payment interaction system according to an embodiment of the present disclosure. Referring to FIG. 8 , the method includes: a user selects a washing machine; and the user scans a barcode containing the code information of the selected washing machine by using the mobile terminal. A two-dimensional code that pairs the mobile terminal with the washing machine.

Each washing machine has a corresponding code, which can generate a two-dimensional code or barcode of the code information of the washing machine, paste it on the washing machine casing, or directly display it through the display of the washing machine, so that the user can scan the mobile terminal and use the mobile terminal to The washing machine is paired.

The mobile terminal is a mobile phone, a tablet computer, or the like. The mobile terminal in this embodiment is a mobile phone, and an application (Application, APP) capable of communicating with the background server is installed in the mobile phone.

The user selects a service function, and the mobile terminal generates a payment amount according to the selected service function.

The service function includes selecting a quick wash or a step wash; wherein the quick wash comprises a standard one-button wash program, and a one-button wash program corresponding to each type of laundry, the step-by-step washing comprising selecting a washing program, a rinsing program At least one of a dehydration process and a drying process.

The standard one-button washing program, the one-key washing program corresponding to each type of laundry, and each of the steps in the step-by-step washing respectively correspond to corresponding amounts.

After the mobile terminal is successfully paired with the washing machine, the service function list of the selected washing machine will be displayed, and the user can directly select at least one service function from the plurality of service functions, and then the mobile terminal will be based on at least one service function selected by the user. Generate a payment amount.

The user confirms whether the payment amount is correct.

In this embodiment, the user can view the corresponding charging standard through the mobile terminal, or the charging standard attached to the top plate of the washing machine, so that the user can directly view the relevant charging standard.

The user can check the charging standard in advance and check whether the payment amount is correct according to the selected service function.

If the payment amount is correct, the mobile terminal sends the pairing information, the payment information, and the selected service function of the mobile terminal and the washing machine to the background server after the user successfully pays; if the payment amount is incorrect, the user confirms that the mobile terminal is faulty, and the mobile terminal Send the fault information to the backend server.

The user can pay directly when the payment amount is confirmed to be correct. When the mobile terminal fails, the mobile terminal will send the fault information to the background server, so that the staff can check and maintain the mobile terminal in time and repair it in time.

The background server will generate a check signal according to the received pairing information of the mobile terminal and the washing machine, the payment information, and the selected service function, and send the check signal to the mobile terminal.

The check signal includes coded information of the selected washing machine, selected service function information, and payment information of the service function.

The mobile terminal transmits the verification signal to the washing machine using Bluetooth.

A Bluetooth connected to the washing machine processor (or controller) is installed in the washing machine. After the mobile terminal and the washing machine are successfully paired, the mobile terminal prompts the user to open the washing machine and the Bluetooth function of the mobile terminal, and the user pairs the washing machine with the mobile terminal through Bluetooth. When the mobile terminal is convenient to send the verification signal to the washing machine, the washing machine can receive the verification signal.

The transmission of the check signal is realized by using Bluetooth, and the distance of the Bluetooth transmission is limited, so the user should operate within the distance range of the Bluetooth signal transmission.

The washing machine determines whether the code of the selected washing machine corresponding to the check signal is identical; if the washing machine itself encodes the code of the selected washing machine corresponding to the check signal, the washing machine has no action.

Since the washing machine can receive the Bluetooth signal in the area where the user is located, the verification signal only corresponds to one washing machine, so the washing machine has to verify the code. The verification signal includes coding information of the selected washing machine, and each washing machine can recognize the verification signal after receiving the Bluetooth signal, and determine whether the selected washing machine code corresponding to the verification signal is consistent with the code of the current washing machine. In the case of inconsistent coding, the washing machine has no action; when the code is consistent, the washing machine will proceed to the next step.

If the washing machine itself encodes the code of the selected washing machine corresponding to the check signal, it is determined whether the payment information corresponding to the check signal is recorded in the washing machine, and if so, the washing machine has no action.

Because the same washing machine can only be used by one user for a period of time, if the same washing machine is not used by one user for a period of time, there will be disputes between multiple users. Therefore, once the user finds that one washing machine is used by another user, the user will not use the washing machine.

Therefore, by verifying whether the payment information corresponding to the verification signal has been recorded, it is possible to prevent the user from repeatedly using the verification signal. Once the payment information corresponding to the verification signal is recorded by the washing machine, the verification signal will be invalid, and the verification signal will not be reused.

If the payment information corresponding to the verification signal is not recorded in the washing machine, the washing machine identifies and selects the selected service function corresponding to the verification signal, and the washing machine starts to work, and simultaneously records the payment information corresponding to the verification signal.

When the washing machine determines whether the check signal matches, even if the payment is successful, if there is a problem in the program for judging whether the check signal matches, there may be a case where the match fails, so the check signal corresponding to the payment success but the match failure is corresponding. The order is refunded. In an embodiment, when the washing machine is capable of connecting to the background server, the washing machine automatically updates the matching verification signal to the background server; the background server will according to the matching verification signal in the washing machine and the verification signal sent to the mobile terminal. Confirm that the payment is successful but matches the unsuccessful check signal; the backend server will refund the order corresponding to the successful verification but matching the unsuccessful check signal.

Example eight

The difference between this embodiment and the seventh embodiment is that the pairing manner of the mobile terminal and the washing machine in this embodiment is different.

The user selects a washing machine that is not used near the geographical location, and each washing machine has a code corresponding to the user, and the user can query the washing machine by inputting the encoded form, or can define the geographical location of the user through the mobile terminal, and then the geographical location of the user. The washing machine to be used by the user is selected in the washing machine near the location.

Once the user selects a washing machine through the mobile terminal, the washing machine and the mobile terminal are successfully paired, and other users will not be able to select the washing machine.

Example nine

The difference between this embodiment and the seventh embodiment is that the manner in which the mobile terminal sends the verification signal to the washing machine in this embodiment is different.

In this embodiment, a receiver capable of receiving an acoustic wave signal and connected to the washing machine controller is installed in the washing machine, and the verification signal is an acoustic wave signal; when the mobile terminal receives the sound wave signal sent by the background server, the mobile terminal automatically plays the sound wave signal. The acoustic signal, the washing machine will receive the acoustic signal through the receiver.

The verification signal includes coded information of the selected washing machine, selected service function information, and payment information of the service function. Because a check code is successfully verified, the corresponding payment information will be recorded by the washing machine. Once the payment information corresponding to the check code is recorded, it indicates that the check code has been used and cannot be used again. Therefore, it is possible to ensure that the sound wave signal can only be used once by the payment information being recorded by the washing machine, and the sound wave signal recorded after being used once again cannot be verified successfully.

Example ten

In an embodiment, an embodiment of the present disclosure provides a storage medium comprising computer executable instructions that, when executed by a computer processor, implement the method of any of the above embodiments.

Through the above description of the embodiments, those skilled in the art can clearly understand that the present disclosure can be implemented by software and general hardware, and can also be implemented by hardware. Based on such understanding, portions of the technical solutions of the present disclosure that contribute substantially or to the related art may be embodied in the form of a software product, which may be stored in a computer readable storage medium, such as a floppy disk of a computer, Read-Only Memory (ROM), Random Access Memory (RAM), Flash (FLASH), hard disk or optical disk, etc., including a plurality of instructions for making a computer device (can be a robot, A personal computer, server, or network device, etc., executes the payment interaction method described in any of the embodiments of the present disclosure.

Claims

A payment interaction method, including:

The mobile terminal is paired with the service machine;

After determining that the service function payment of the selected service machine is successful, the mobile terminal pairs information of the mobile terminal with the service machine, payment information of the service function, and service function of the service machine Sending to the server and receiving a check signal returned by the server;

The mobile terminal transmits the verification signal to the service machine.
The method of claim 1 wherein the mobile terminal is paired with the service machine, comprising:

Receiving an encoding of the service machine, pairing with the service machine based on the encoding.
The method of claim 1 wherein the mobile terminal is paired with the service machine, comprising:

A barcode or a two-dimensional code containing encoded information of the selected service machine is scanned by the camera of the mobile terminal to be paired with the service machine.
The method according to any one of claims 1-3, after the mobile terminal is paired with the service machine, further comprising:

A payment amount matching the at least one service function is generated based on at least one service function selected by the user among the plurality of the service functions of the selected service machine, and the payment amount is provided to the user.
The method of claim 1, wherein the transmitting, by the mobile terminal, the verification signal to the service machine comprises:

Prompting to enable the service machine and the Bluetooth function of the mobile terminal;

The mobile terminal transmits the verification signal to the service machine using the Bluetooth function when both the service machine and the Bluetooth function of the mobile terminal are turned on.
The method of claim 1, wherein receiving a verification signal returned by the server comprises:

Receiving a sound wave signal returned by the server;

Sending, by the mobile terminal, the verification signal to the service machine, including:

The acoustic signal is played to the service machine.
The method of any of claims 1-6, wherein the verification signal comprises encoded information of the selected service machine, selected service function information, and payment information for the service function.
A payment interaction method, including:

Receiving a verification signal sent by the mobile terminal when the service machine is paired with the mobile terminal;

In the event that it is determined that the verification signal is correct, the service machine begins to operate to provide a service function that matches the verification signal.
The method of claim 8 wherein determining the verification signal is correct comprises:

Determining whether the code of the service machine is consistent with the code of the selected service machine corresponding to the check signal;

If the code of the service machine is inconsistent with the code of the selected service machine corresponding to the check signal, the service machine does not run;

If the code of the service machine is consistent with the code of the selected service machine corresponding to the check signal, determining whether the payment information corresponding to the check signal is recorded in the service machine;

If the payment information corresponding to the verification signal is recorded in the service machine, the service machine does not run;

If the payment information corresponding to the verification signal is not recorded in the service machine, the service machine identifies and selects a service function corresponding to the verification signal, and the service machine performs the service function while recording the Check the payment information corresponding to the signal.
The method of claim 1 further comprising:

In case the service machine is able to connect to the server, the service machine updates the successfully verified check signal into the server.
The method of any of claims 8-10, wherein the verification signal comprises encoded information of the selected service machine, selected service function information, and payment information for the service function.
A payment interaction method, including:

Receiving pairing information of the mobile terminal and the service machine, a service function of the service machine, and payment information of the service function, and transmitting a verification signal to the service if the service function payment of the service machine is determined to be successful Mobile terminal.
The method of claim 12 further comprising:

Receiving a verification signal that the service machine has been successfully matched; determining, according to the verification signal that the service machine has successfully matched and the verification signal sent to the mobile terminal, a verification signal that the payment is successful but the matching is unsuccessful;

A refund is made for an order corresponding to the verification signal that the payment was successful but the match was unsuccessful.
The method of claim 12 or 13, wherein the verification signal comprises coded information of the selected service machine, selected service function information, and payment information for the service function.
A mobile terminal includes:

A memory, a processor, and a computer program stored on the memory and operative on the processor, the processor executing the computer program to implement the method of any of claims 1-7.
A service machine that includes:

A memory, a processor, and a computer program stored on the memory and operative on the processor, the processor executing the computer program, the method of any one of claims 8-11.
The service machine according to claim 16, further comprising at least one of the following:

a Bluetooth receiver, connected to the processor, configured to receive a Bluetooth signal;

An acoustic wave receiver coupled to the processor and configured to receive an acoustic signal.
A server that includes:

A memory, a processor, and a computer program stored on the memory and operative on the processor, the processor executing the computer program to implement the method of any one of claims 12-14.
A payment interaction system comprising:

At least one mobile terminal, configured to perform the method of any of claims 1-7;

At least one service machine arranged to perform the method of any one of claims 8-11;

A server arranged to perform the method of any one of claims 12-14.
A storage medium comprising computer executable instructions that, when executed by a computer processor, implement the method of any of claims 1-7, 8-11 or 12-14.