WO2020103563A1 - 设备支付方法及装置 - Google Patents

设备支付方法及装置

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Publication number
WO2020103563A1
WO2020103563A1 PCT/CN2019/107205 CN2019107205W WO2020103563A1 WO 2020103563 A1 WO2020103563 A1 WO 2020103563A1 CN 2019107205 W CN2019107205 W CN 2019107205W WO 2020103563 A1 WO2020103563 A1 WO 2020103563A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
account
binding
internet
target
Prior art date
Application number
PCT/CN2019/107205
Other languages
English (en)
French (fr)
Inventor
张垒垒
焦雷
李佳佳
张燚
Original Assignee
阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Publication of WO2020103563A1 publication Critical patent/WO2020103563A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
    • H04L67/125—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
    • 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
    • G06Q20/308—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using the Internet of Things
    • 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
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/40—Security arrangements using identity modules
    • H04W12/48—Security arrangements using identity modules using secure binding, e.g. securely binding identity modules to devices, services or applications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/70—Services for machine-to-machine communication [M2M] or machine type communication [MTC]

Definitions

  • This application relates to the field of computer technology, and in particular, to a device payment method and device.
  • the purpose of the embodiments of the present application is to provide a device payment method and apparatus, so as to implement a payment function on an Internet of Things device and expand a user's payment scenario.
  • An embodiment of the present application provides a device payment method applied to an Internet of Things device, including: sending a payment function activation request to a server through a narrowband Internet of Things NB-IoT communication method, and receiving the server according to the The response information returned by the payment function activation request; if the response information is used to indicate that the payment function activation is permitted, an account binding request is transmitted to the mobile terminal, and the account binding request is used to request the target in the mobile terminal
  • the payment account is bound to the Internet of Things device; receiving the payment identifier of the target payment account issued by the server through the NB-IoT communication method, and saving the payment identifier; wherein, the payment of the target payment account
  • the identifier is sent by the server according to a binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account binding request, and the binding notification message is used to notify the server to send the target
  • a payment account is bound to the Internet of Things device, and the payment identifier is used to perform
  • An embodiment of the present application provides a device payment method, which is applied to a mobile terminal and includes: obtaining an account binding request from an Internet of Things device, where the account binding request is used to request that the target payment account in the mobile terminal be The Internet of Things device binds; the account binding request is transmitted by the Internet of Things device after receiving the response information from the server indicating that the payment function is allowed to be opened, and the response information is received by the server according to the The payment function activation request of the IoT device is sent; the IoT device and the server communicate through a narrowband IoT NB-IoT communication method; according to the account binding request, a binding notification message is sent to the server, and the binding The notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • An embodiment of the present application provides a device payment method, which is applied to a server and includes: receiving a payment function activation request sent by an IoT device through a narrowband Internet of Things NB-IoT communication method, and passing the NB- according to the payment function activation request
  • the IoT communication method returns response information to the Internet of Things device, where the response information is used to indicate that the payment function is allowed to be activated; receiving a binding notification message sent by the mobile terminal, and according to the binding notification message, the mobile terminal
  • the target payment account is bound to the Internet of Things device; the binding notification message is sent by the mobile terminal according to an account binding request obtained from the Internet of Things device, and the account binding request is used to request Binding the target payment account in the mobile terminal to the IoT device; delivering the payment identifier of the target payment account to the IoT device through the NB-IoT communication method, the target payment account
  • the payment identifier of is used for deduction operations in the target payment account.
  • An embodiment of the present application provides a device payment device, which is applied to an Internet of Things device and includes a request activation module, which is used to send a payment function activation request to a server through a narrowband Internet of Things NB-IoT communication method, and through the NB-IoT
  • the communication method receives the response information returned by the server according to the payment function activation request;
  • the request binding module is used to transmit an account binding request to the mobile terminal if the response information is used to indicate that the payment function is allowed to be activated, and the account binding
  • the fixed request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • an identification saving module is used to receive the target payment account issued by the server through the NB-IoT communication method Payment identification, and save the payment identification; wherein, the payment identification of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account A binding request is sent, the binding notification
  • An embodiment of the present application provides a device payment device, which is applied to a mobile terminal, and includes: a request obtaining module, configured to obtain an account binding request from an Internet of Things device, and the account binding request is used to request the mobile terminal
  • the target payment account in is bound to the Internet of Things device;
  • the account binding request is transmitted by the Internet of Things device after receiving the response information from the server indicating that the payment function is allowed to be opened, the response information is
  • the server sends according to the payment function activation request from the IoT device; the IoT device and the server communicate through the narrowband IoT NB-IoT communication method;
  • the notification sending module is used to bind the request according to the account, Send a binding notification message to the server, where the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • An embodiment of the present application provides a device payment device, which is applied to a server and includes a request receiving module for receiving a payment function activation request sent by an IoT device through a narrowband Internet of Things NB-IoT communication method, and according to the payment function activation Request to return response information to the IoT device through the NB-IoT communication method, where the response information is used to indicate that the payment function is allowed to be activated;
  • the account binding module is used to receive the binding notification message sent by the mobile terminal, according to the The binding notification message binds the target payment account in the mobile terminal to the Internet of Things device;
  • the binding notification message is bound by the mobile terminal according to the account obtained from the Internet of Things device A request is sent, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • an identification issuance module is used to communicate with the NB-IoT communication method.
  • the Internet of Things device delivers the payment identifier of the target payment account, and the payment
  • An embodiment of the present application provides an electronic device, including: a processor; and a memory arranged to store computer-executable instructions that, when executed, cause the processor to implement the device payment method described above step.
  • An embodiment of the present application provides a storage medium for storing computer-executable instructions that, when executed, implement the steps of the device payment method described above.
  • the Internet of Things device can perform NB-loT communication with the server and communicate with the mobile terminal, thereby realizing the binding of the target payment account in the mobile terminal and the Internet of Things device.
  • the Internet of Things device can make a payment in the target payment account according to the payment identifier of the target payment account issued by the server, thereby realizing the payment function on the Internet of Things device and expanding the user's payment scenario.
  • FIG. 1 is an application scenario diagram of a device payment method provided by an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a device payment method according to an embodiment of the application.
  • FIG. 3 is a schematic flowchart of account binding provided by an embodiment of the present application.
  • FIG. 4 is a schematic flowchart of a device payment method according to another embodiment of this application.
  • FIG. 5 is an application scenario diagram of a device payment method provided by another embodiment of this application.
  • FIG. 6 is a schematic flowchart of a device payment method according to another embodiment of this application.
  • FIG. 7 is a schematic flowchart of a device payment method according to another embodiment of this application.
  • FIG. 8 is a schematic flowchart of a device payment method according to another embodiment of this application.
  • FIG. 9 is a schematic diagram of the module composition of the device payment device provided by an embodiment of the present application.
  • FIG. 10 is a schematic diagram of the module composition of the device payment device provided by an embodiment of the present application.
  • FIG. 11 is a schematic diagram of the module composition of the device payment device provided by an embodiment of the present application.
  • FIG. 12 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.
  • the embodiments of the present application provide a device payment method and apparatus, which can implement payment functions on IoT devices and expand user payment scenarios.
  • IoT devices have NB-IoT (Narrow Band Internet of Things). Communication function.
  • NB-IoT is a narrow-band Internet of Things based on cellular networks. It is an emerging technology in the IoT field. It supports cellular data connections for low-power devices in a wide area network, and supports high-efficiency connections for devices with long standby times and high network connection requirements.
  • NB-IoT is also called LPWAN (Low-Power Wide-Area Network, low-power wide area network).
  • FIG. 1 is an application scenario diagram of a device payment method according to an embodiment of the present application.
  • the scenario includes an Internet of Things device 100, a mobile terminal 200, and a server 300.
  • the Internet of Things device 100 may be a wearable device or a smart device.
  • Home appliances, wearable devices can be watches, bracelets, etc.
  • smart home appliances can be refrigerators, washing machines, rice cookers, air conditioners, etc.
  • the Internet of Things device 100 is used as a bracelet for illustration.
  • An NB-IoT communication module is installed in the Internet of Things device 100, and the Internet of Things device 100 can use the NB-IoT communication module to communicate with the server 300 through an NB-IoT communication method.
  • the mobile terminal 200 may be a mobile phone, a computer, a tablet computer, etc.
  • the mobile terminal 200 may communicate with the Internet of Things device 100 and the server 300.
  • the server 300 may be a background server of the payment platform, and the server 300 may communicate with the Internet of Things device 100 and the mobile terminal 200.
  • FIG. 2 is a schematic flowchart of a device payment method provided by an embodiment of the present application. The method may be applied to an Internet of Things device and executed by the Internet of Things device. As shown in FIG. 2, the process includes the following steps:
  • Step S202 Send the payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication method;
  • Step S204 if the response information is used to indicate that the payment function is allowed to be enabled, an account binding request is transmitted to the mobile terminal; wherein, the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • Step S206 Receive the payment identifier of the target payment account issued by the server through the NB-IoT communication method, and save the payment identifier;
  • the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the above-mentioned account binding request, and the binding notification message is used to notify the server of the target payment account
  • the networked device is bound, and the payment identifier is used to perform the deduction operation in the target payment account.
  • payment can be deducted from the target payment account through the payment identifier of the target payment account.
  • the payment identifier can be a string of characters, which can be generated by the server for the target payment account. Different payment accounts have different payment identifiers.
  • the server may determine the account identifier of the target payment account according to the payment identifier and the correspondence between the pre-recorded payment identifier and the account identifier, and according to the account identifier of the target payment account, Debit operations are performed in the target payment account.
  • the Internet of Things device can send the payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication method, and the response information Used to indicate that when the payment function is enabled, an account binding request is transmitted to the mobile terminal to request that the target payment account in the mobile terminal be bound to the Internet of Things device and receive the target payment issued by the server through the NB-IoT communication method
  • the payment identifier of the account is saved. Because the payment identifier is used for deduction operations in the target payment account, the IoT device can implement the payment function based on the payment identifier, thereby expanding the user's payment scenario.
  • the Internet of Things device since the Internet of Things device can communicate with the server through the NB-IoT communication method, the Internet of Things device needs to run a system that supports NB-IoT. Since systems supporting NB-IoT (such as single chip microcomputer systems) are usually relatively simple and have low development difficulty, the system development cost of IoT devices is greatly reduced, and payment can also be achieved through simple development processes on smart home appliances and wearable devices Features.
  • NB-IoT such as single chip microcomputer systems
  • the IoT device sends a payment function activation request to the server through the NB-IoT communication method.
  • the payment function activation request may carry device feature information of the IoT device, such as a device identification, and the server may perform the payment function activation request, Verify that the IoT device is a device that allows the payment function to be enabled. If so, the server returns a response message indicating that the payment function is allowed to be enabled to the IoT device through the NB-IoT communication method. If not, the server uses the NB-IoT communication method Reply information indicating that the payment function is not allowed to be returned to the IoT device.
  • the Internet of Things device receives the response information returned by the server according to the payment function activation request through the NB-IoT communication method.
  • the Internet of Things device also determines whether the response information is used to indicate that the payment function is allowed to be enabled, and if so, the Internet of Things device performs the above step S204.
  • Step S204 the Internet of Things device transmits an account binding request to the mobile terminal, the account binding request is used to request the target payment account in the mobile terminal to be bound to the Internet of Things device, and then the target payment account in the mobile terminal and the object After the networking device is successfully bound, the Internet of Things device can realize the payment function through the target payment account.
  • the Internet of Things device can transmit the account binding request to the mobile terminal through communication means such as Bluetooth, WiFi (WIreless-Fidelity, wireless fidelity), infrared, QR code, and sound waves.
  • the IoT device sends the account binding request to the mobile terminal in any of Bluetooth, WiFi, infrared, and sound waves, or the IoT device displays the QR code corresponding to the account binding request, and the mobile terminal scans the code Way to obtain an account binding request from an IoT device.
  • the mobile terminal After receiving the account binding request, the mobile terminal can authenticate the user. After the verification is passed, the mobile terminal generates account binding query information. The account binding query information is used to ask whether the user is allowed to perform the target payment account with the Internet of Things device. Binding, the mobile terminal receives the user's answer information about the account binding query information. If the answer information indicates that the user allows the target payment account to be bound to the IoT device, the mobile terminal sends a binding notification message to the server. The binding notification The message is used to notify the server to bind the target payment account with the IoT device. The mobile terminal can send a binding notification message to the server through WIFI, 4G, etc.
  • the server can determine whether the number of bound accounts corresponding to the IoT device is greater than the first quantity threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second quantity threshold, If the number of bound accounts corresponding to the IoT device is not greater than the first quantity threshold, and the number of bound devices corresponding to the target payment account is not greater than the second quantity threshold, the server connects the target payment account to the IoT The device is bound.
  • the binding process may be: the server saves the binding record in the database, and the binding record records the account identification of the target payment account and the device identification of the Internet of Things device in a one-to-one correspondence to indicate the target payment account and the object Networked devices are bound to each other.
  • the server After the server binds the target payment account in the mobile terminal to the IoT device, it issues the payment identifier of the target payment account to the IoT device through the NB-IoT communication method, so that the IoT device executes the above step S206, through NB-IoT
  • the communication method receives the payment identifier of the target payment account issued by the server, and saves the payment identifier, and the payment identifier is used to perform a deduction operation in the target payment account.
  • the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account binding request transmitted by the Internet of Things device.
  • FIG. 3 is a schematic diagram of an account binding process provided by an embodiment of the present application. As shown in FIG. 3, the process includes:
  • Step S302 the Internet of Things device sends a payment function activation request to the server through the NB-IoT communication method according to the user operation.
  • the user operation may be an operation of clicking a button of "open payment function".
  • the payment function activation request carries device feature information of the Internet of Things device, such as device identification.
  • step S304 the server returns response information indicating that the payment function is allowed to be opened to the Internet of Things device through the NB-IoT communication method according to the payment function activation request.
  • the server extracts the device characteristic information of the IoT device from the payment activation request, and if it is determined that the IoT device is a device that allows the payment function to be activated based on the device characteristic information, the server returns to the IoT device that the activation is permitted The response information of the payment function.
  • the response information carries a unique character string generated by the server for the IoT device.
  • the unique character string is used to identify the IoT device.
  • the unique character string may be called a token.
  • Step S306 the IoT device receives the response information sent by the server through the NB-IoT communication method, and transmits an account binding request to the mobile terminal according to the response information.
  • the account binding request carries the above unique character string, and may also carry device feature information of the Internet of Things device.
  • the Internet of Things device can generate a two-dimensional code according to the response information of the server, and the two-dimensional code carries the account binding request, so that the account binding request is transmitted to the mobile terminal by displaying the two-dimensional code.
  • the mobile terminal scans the code To obtain the account binding request.
  • Step S308 the mobile terminal obtains an account binding request from the Internet of Things device, and sends an account binding notification to the server.
  • the mobile terminal authenticates the user according to the account binding request and asks whether the user is allowed to bind the Internet of Things device and the target payment account. If the user's identity verification is passed and the user allows binding, the mobile terminal sends an account binding notification to the server.
  • the account binding notification carries the unique character string and device feature information of the IoT device, and may also carry the user identity Information and account identification of the target payment account.
  • the methods for the mobile terminal to authenticate the user include but are not limited to: account password authentication, biometric authentication, dynamic token authentication, and mobile phone message authentication.
  • Step S310 The server binds the target payment account in the mobile terminal to the Internet of Things device according to the account binding notification.
  • the server parses the notification to obtain the unique string and the account identifier, determines the IoT device to be bound according to the unique string, and determines the pending binding according to the account identifier The target payment account, thereby binding the target payment account to the IoT device.
  • Step S312 the server delivers the payment identifier of the target payment account to the IoT device through the NB-IoT communication method.
  • Step S314 the Internet of Things device saves the payment identifier of the target payment account to perform the payment operation through the payment identifier.
  • FIG. 4 is a schematic flowchart of a device payment method provided by another embodiment of the present application. The method may be applied to an Internet of Things device and executed by the Internet of Things device. As shown in FIG. 4, the process further includes, based on FIG. 2, :
  • Step S208 generating a payment barcode of the target payment account according to the payment identifier of the target payment account
  • step S210 the payment barcode of the target payment account is displayed, and the barcode information of the payment barcode is collected by the payment collection device and sent to the server, so as to perform the deduction operation in the target payment account through the server.
  • the IoT device may generate a payment barcode according to the payment identifier of the target payment account, for example, using the payment identifier, the device's time information, and a preset algorithm to generate a payment QR code. Then, the IoT device displays the payment barcode, and the collection device can collect the barcode information of the payment barcode and send it to the server, and the server performs the deduction operation in the target payment account according to the barcode information.
  • the server can receive the barcode information of the payment barcode sent by the collection device, and parse the barcode information of the payment barcode to obtain the payment identifier of the target payment account.
  • the analysis algorithm here corresponds to the algorithm that generates the payment barcode.
  • the server According to the payment identifier of the target payment account, the deduction operation is performed in the target payment account.
  • the Internet of Things may also generate the payment information of the target payment account according to the payment identifier of the target payment account, and send the payment information to the payment receiving device via Bluetooth, WiFi, infrared, sound wave, etc.
  • the payment information is sent to the server, and according to the payment information, the server parses and obtains the payment identifier of the target payment account, so as to perform the deduction operation in the target payment account.
  • the saving of the payment identifier by the IoT device may specifically be: saving the payment identifier of the target payment account in a storage unit of the IoT device.
  • the IoT device may also: when the IoT device is offline, obtain the payment identifier of the target payment account from the storage unit.
  • the IoT device saves the payment identifier of the target payment account in the storage unit.
  • the IoT device can obtain the payment identifier of the target payment account from the storage unit and perform the payment operation according to the payment identifier. So as to achieve the effect of offline payment.
  • the scenario includes an Internet of Things device 100, a payment collection device 400, and a server 300.
  • the payment collection device 400 may include a code scanner Other equipment.
  • FIG. 6 is a schematic flowchart of a device payment method according to another embodiment of the present application. As shown in FIG. 6, based on the scenario in FIG. 5, the method includes:
  • Step S602 in the offline state, the Internet of Things device obtains the payment identifier of the target payment account from the storage unit.
  • Step S604 the Internet of Things device generates and displays the payment barcode of the target payment account according to the payment identifier of the target payment account and the offline barcode generation algorithm;
  • Step S606 the collection device collects the barcode information of the payment barcode
  • Step S608 the payment collection device sends barcode information, transaction information and merchant information to the server;
  • Step S610 The server receives the barcode information, transaction information, and merchant information of the payment barcode sent by the collection device.
  • the server parses the barcode information of the payment barcode to obtain the payment identifier of the target payment account, analyzes the merchant information, and determines the merchant's receipt. Payment account, determine the amount of payment based on the transaction information;
  • Step S612 the server performs a deduction operation in the target payment account according to the payment identifier and the payment amount of the target payment account, and performs a corresponding accounting operation in the merchant's collection account according to the payment amount.
  • this embodiment has the following advantages:
  • the Internet of Things equipment can realize offline payment, which is convenient for users to operate.
  • NB-IoT which facilitates the interaction between IoT devices and servers.
  • FIG. 7 is a schematic flowchart of a device payment method according to another embodiment of the present application. The method may be applied to a mobile terminal and executed by the mobile terminal. As shown in FIG. 7, the process includes the following steps:
  • Step S702 Obtain an account binding request from the Internet of Things device.
  • the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device; the account binding request is received by the Internet of Things device from The representation of the server allows the response information for enabling the payment function to be transmitted.
  • the response information is sent by the server according to the payment function activation request from the IoT device; the IoT device and the server communicate through NB-IoT communication;
  • Step S704 Send a binding notification message to the server according to the account binding request.
  • the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • the mobile terminal can obtain an account binding request from the Internet of Things device, and according to the account binding request, send a binding notification message to the server.
  • the binding notification message is used to notify the server of the target payment account and the object
  • the networked device is bound to bind the target payment account with the Internet of Things device, so that the Internet of Things device has a payment function and expands the user's payment scenario.
  • a binding notification message is sent to the server according to the account binding request, which may specifically be: according to the account binding request, the account binding query information is generated, and the account binding query information is used to ask whether the user is allowed to pay the target
  • the account is bound to the Internet of Things device, and if it is determined that the user allows the target payment account to be bound to the Internet of Things device, a binding notification message is sent to the server.
  • the mobile terminal For example, the mobile terminal generates a pop-up box according to the account binding request.
  • the pop-up box displays "Are you sure to bind the account XXX to the device XXX"?
  • the mobile terminal also displays an OK button and a Cancel button. If the user clicks the OK button, the mobile terminal It is determined that the user is allowed to bind the target payment account with the Internet of Things device, and sends a binding notification message to the server. If the user clicks the cancel button, the mobile terminal ends the binding process.
  • the mobile terminal can also verify the identity of the user, and if it is determined that the user identity verification is passed, the account binding query information is generated.
  • the mobile terminal can verify the identity of the user, and the verification methods include but are not limited to biometric verification, account password verification, and SMS verification code verification. If it is determined that the user's identity verification is passed, the account binding query information is generated and confirmed. The user is allowed to bind the target payment account with the Internet of Things device and send a binding notification message to the server. If the user authentication fails, the mobile terminal can display corresponding prompt information. In this embodiment, the accuracy and security of account binding can be ensured through the dual methods of identity verification and query authentication.
  • the mobile terminal in this embodiment can implement various processes implemented by the foregoing mobile terminal and achieve the same effect, which will not be repeated here.
  • FIG. 8 is a schematic flowchart of a device payment method according to another embodiment of the present application. The method may be applied to a server and executed by the server. As shown in FIG. 8, the process includes the following steps:
  • Step S802 Receive the payment function activation request sent by the IoT device through the NB-IoT communication method, and return response information to the IoT device through the NB-IoT communication method according to the payment function activation request.
  • the response information is used to indicate that the payment function is allowed to be activated;
  • Step S804 Receive a binding notification message sent by the mobile terminal, and bind the target payment account in the mobile terminal to the IoT device according to the binding notification message; the binding notification message is obtained by the mobile terminal according to the IoT device The account binding request is sent, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • Step S806 Distribute the payment identifier of the target payment account to the IoT device through the NB-IoT communication method.
  • the payment identifier of the target payment account is used to perform the deduction operation in the target payment account.
  • the server can receive the payment function activation request sent by the IoT device through the NB-IoT communication method, and return the response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and receive the mobile
  • the binding notification message sent by the terminal binds the target payment account in the mobile terminal to the IoT device according to the binding notification message, and delivers the payment identifier of the target payment account to the IoT device through the NB-IoT communication method. Therefore, the Internet of Things device can realize the payment function based on the payment identifier, thereby expanding the user's payment scenario.
  • the response information is returned to the IoT device through the NB-IoT communication method according to the payment function activation request, which is specifically: extracting the device feature information of the IoT device from the payment function activation request, such as device identification, according to the IoT device
  • the device's feature information verifies whether the IoT device is a device that allows the payment function to be turned on. If it is, it returns a response message indicating that the payment function is allowed to be turned on to the IoT device through the NB-IoT communication method. If not, it passes the NB-IoT
  • the communication method returns response information indicating that the payment function is not allowed to be returned to the Internet of Things device.
  • a form is stored in the server, and the form is used to record the device feature information of the device that allows the payment function to be enabled.
  • the server extracts the device feature information of the Internet of Things device, it looks up the extracted device feature information in the table. If it is found, it is determined that the IoT device is a device that allows the payment function to be enabled, and a response message indicating that the payment function is enabled is returned to the IoT device. If it is not found, the IoT device is determined to be a device that does not allow the payment function to be enabled. , Return response information indicating that the payment function is not allowed to be returned to the Internet of Things device.
  • the table may also record device feature information of devices that are not allowed to open payment functions, and this process will not be repeated here.
  • the target payment account in the mobile terminal is bound to the IoT device according to the binding notification message, specifically: according to the binding notification message, it is determined whether the number of bound accounts corresponding to the IoT device is greater than The first quantity threshold, and whether the number of bound devices corresponding to the target payment account is greater than the second quantity threshold, if the number of bound accounts corresponding to the IoT device is not greater than the first quantity threshold, and the target payment account corresponds to The number of bound devices is not greater than the second quantity threshold, then the target payment account is bound to the Internet of Things device.
  • the server determines the bound account corresponding to the IoT device Whether the number is greater than the first quantity threshold, and it is determined whether the number of bound devices corresponding to the target payment account is greater than the second quantity threshold, the first quantity threshold and the second quantity threshold can be set as needed, if the IoT device corresponds to If the number of bound accounts is not greater than the first quantity threshold, and the number of bound devices corresponding to the target payment account is not greater than the second quantity threshold, the target payment account is bound to the Internet of Things device.
  • the binding process may be: the server saves the binding record in the database, and the binding record records the account identification of the target payment account and the device identification of the Internet of Things device in a one-to-one correspondence to indicate the target payment account and the object Networked devices are bound to each other.
  • the server may return a prompt message that the mobile terminal cannot be bound .
  • the server can also receive the barcode information of the payment barcode sent by the collection device.
  • the payment barcode is generated by the IoT device according to the payment identifier of the target payment account, and the barcode information of the payment barcode is collected by the payment device from the IoT device. Analyze the barcode information of the payment barcode to obtain the payment identifier of the target payment account, and perform the deduction operation in the target payment account according to the payment identifier of the target payment account.
  • the algorithm that the server parses the barcode information to obtain the payment identifier corresponds to the algorithm that the IoT device generates the payment barcode according to the payment identifier.
  • the deduction operation in the target payment account can be performed according to the payment identifier of the target payment account. To: determine the account ID of the target payment account according to the payment ID of the target payment account and the correspondence between the pre-recorded payment ID and account ID, and perform the deduction operation in the target payment account according to the account ID of the target payment account .
  • the server in this embodiment can implement various processes implemented by the foregoing server and achieve the same effect, which will not be repeated here.
  • FIG. 9 is a schematic diagram of a module composition of the device payment device provided by an embodiment of the present application. As shown in FIG. 9, the device includes:
  • the request activation module 91 is used to send a payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication method;
  • the request binding module 92 is used to transmit an account binding request to the mobile terminal if the response information is used to indicate that the payment function is allowed to be opened, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device set;
  • the identifier saving module 93 is used to receive the payment identifier of the target payment account issued by the server through the NB-IoT communication method and save the payment identifier; wherein, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal The binding notification message is sent by the mobile terminal according to the account binding request. The binding notification message is used to notify the server to bind the target payment account with the Internet of Things device, and the payment identifier is used to perform the deduction operation in the target payment account.
  • the device further includes a payment module for: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, and the barcode information of the payment barcode is collected and sent by the collection device To the server to perform the deduction operation in the target payment account through the server.
  • a payment module for: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, and the barcode information of the payment barcode is collected and sent by the collection device To the server to perform the deduction operation in the target payment account through the server.
  • the identifier saving module 93 is specifically used to: save the payment identifier of the target payment account in the storage unit of the IoT device; the device further includes: an offline acquisition module, which is used to generate the payment identifier according to the target payment account Before the payment barcode of the target payment account, when the IoT device is offline, the payment identifier of the target payment account is obtained from the storage unit.
  • the Internet of Things device can send the payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication method, and the response information Used to indicate that when the payment function is enabled, an account binding request is transmitted to the mobile terminal to request that the target payment account in the mobile terminal be bound to the Internet of Things device and receive the target payment issued by the server through NB-IoT communication
  • the payment identifier of the account is saved. Because the payment identifier is used for deduction operations in the target payment account, the IoT device can implement the payment function based on the payment identifier, thereby expanding the user's payment scenario.
  • the device payment device in the embodiment of the present application can implement the foregoing processes implemented by the Internet of Things devices and achieve the same effect, which will not be repeated here.
  • FIG. 10 is a schematic diagram of a module composition of the device payment device according to an embodiment of the present application. As shown in FIG. 10, the device includes:
  • the request obtaining module 101 is used to obtain an account binding request from the Internet of Things device.
  • the account binding request is used to request the target payment account in the mobile terminal to be bound to the Internet of Things device;
  • the response message is sent by the server according to the payment function activation request from the IoT device;
  • the narrowband IoT NB-IoT communication method is used between the IoT device and the server Communication
  • the notification sending module 102 is configured to send a binding notification message to the server according to the account binding request.
  • the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • the notification sending module 102 is specifically configured to: generate account binding query information according to the account binding request; account binding query information is used to query whether the user is allowed to bind the target payment account to the Internet of Things device; if it is determined The user allows the target payment account to be bound to the Internet of Things device, and then sends a binding notification message to the server.
  • the device further includes: an identity verification module, configured to verify the identity of the user before generating the account binding query information; if it is determined that the user's identity verification is passed, the account binding query information is generated.
  • an identity verification module configured to verify the identity of the user before generating the account binding query information; if it is determined that the user's identity verification is passed, the account binding query information is generated.
  • the mobile terminal can obtain an account binding request from the Internet of Things device, and according to the account binding request, send a binding notification message to the server.
  • the binding notification message is used to notify the server of the target payment account and the object
  • the networked device is bound to bind the target payment account with the Internet of Things device, so that the Internet of Things device has a payment function and expands the user's payment scenario.
  • the device payment device in the embodiment of the present application can implement the foregoing processes implemented by the mobile terminal and achieve the same effect, which will not be repeated here.
  • FIG. 11 is a schematic diagram of a module composition of the device payment device according to an embodiment of the present application. As shown in FIG. 11, the device includes:
  • the request receiving module 111 is used to receive the payment function activation request sent by the IoT device through the narrowband Internet of Things NB-IoT communication method, and return the response information to the IoT device through the NB-IoT communication method according to the payment function activation request.
  • the response information is used to Indicates that the payment function is allowed to be activated;
  • the account binding module 112 is configured to receive a binding notification message sent by the mobile terminal, and bind the target payment account in the mobile terminal to the Internet of Things device according to the binding notification message; the binding notification message is sent by the mobile terminal according to the slave The account binding request obtained from the networked device is sent, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • the identifier issuing module 113 is used to deliver the payment identifier of the target payment account to the IoT device through the NB-IoT communication method, and the payment identifier of the target payment account is used to perform the deduction operation in the target payment account.
  • the request receiving module 111 is specifically configured to: extract device feature information of the IoT device from the payment function activation request; verify whether the IoT device is a device that allows the payment function to be activated according to the device feature information of the IoT device; if so, Then, the NB-IoT communication method is used to return response information indicating that the payment function is allowed to be opened to the Internet of Things device.
  • the account binding module 112 is specifically configured to: according to the binding notification message, determine whether the number of bound accounts corresponding to the IoT device is greater than the first quantity threshold, and determine the number of bound devices corresponding to the target payment account Whether the number is greater than the second quantity threshold; if the number of bound accounts corresponding to the IoT device is not greater than the first quantity threshold, and the number of bound devices corresponding to the target payment account is not greater than the second quantity threshold, the target The payment account is bound to the IoT device.
  • the device further includes a deduction module for receiving barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the IoT device according to the payment identifier of the target payment account; and the barcode information of the payment barcode is generated by the payment device Collected from the Internet of Things equipment; the barcode information of the payment barcode is parsed to obtain the payment identification of the target payment account; according to the payment identification of the target payment account, the deduction operation is performed in the target payment account.
  • a deduction module for receiving barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the IoT device according to the payment identifier of the target payment account; and the barcode information of the payment barcode is generated by the payment device Collected from the Internet of Things equipment; the barcode information of the payment barcode is parsed to obtain the payment identification of the target payment account; according to the payment identification of the target payment account, the deduction operation is performed in the target payment account.
  • the server can receive the payment function activation request sent by the IoT device through the NB-IoT communication method, and return the response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and receive the mobile
  • the binding notification message sent by the terminal binds the target payment account in the mobile terminal to the IoT device according to the binding notification message, and delivers the payment identifier of the target payment account to the IoT device through the NB-IoT communication method. Therefore, the Internet of Things device can realize the payment function based on the payment identifier, thereby expanding the user's payment scenario.
  • the device payment device in the embodiment of the present application can implement the foregoing processes implemented by the server and achieve the same effect, which will not be repeated here.
  • FIG. 12 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • the electronic device may generate a relatively large The difference may include one or more processors 1201 and a memory 1202, and the memory 1202 may store one or more stored application programs or data.
  • the memory 1202 may be short-term storage or persistent storage.
  • the application program stored in the memory 1202 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the electronic device.
  • the processor 1201 may be configured to communicate with the memory 1202 and execute a series of computer-executable instructions in the memory 1202 on the electronic device.
  • the electronic device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input / output interfaces 1205, one or more keyboards 1206, and so on.
  • the electronic device includes a memory, and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each The module may include a series of computer-executable instructions in the electronic device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
  • an account binding request is transmitted to the mobile terminal, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • the server Receive the payment ID of the target payment account issued by the server through the NB-IoT communication method, and save the payment ID; where the payment ID of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile
  • the terminal sends according to the account binding request, the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device, and the payment identifier is used to perform the deduction operation in the target payment account.
  • the method further includes: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, and the barcode information of the payment barcode is collected by the collection device And sent to the server, through the server to perform deduction operations in the target payment account.
  • the computer-executable instructions when executed, save the payment identification, including: storing the payment identification of the target payment account in the storage unit of the Internet of Things device; and generating the target payment account ’s payment ID according to the payment identification of the target payment account Before the payment barcode, it also includes: when the IoT device is offline, obtaining the payment identifier of the target payment account from the storage unit.
  • the electronic device in the embodiment of the present application can implement the foregoing processes implemented by the Internet of Things device and achieve the same effect, which will not be repeated here.
  • the electronic device includes a memory and one or more programs, where one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each Each module may include a series of computer-executable instructions in the electronic device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
  • the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device; the account binding request is received by the Internet of Things device from the server. Allow the response information for enabling the payment function to be transmitted, and the response information is sent by the server according to the payment function activation request from the IoT device; the IoT device and the server communicate through the narrowband IoT NB-IoT communication method;
  • a binding notification message is sent to the server, and the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • a binding notification message is sent to the server according to the account binding request, including: generating account binding query information according to the account binding request; account binding query information is used for querying Whether the user allows the target payment account to be bound to the Internet of Things device; if it is determined that the user allows the target payment account to be bound to the Internet of Things device, a binding notification message is sent to the server.
  • the method further includes: authenticating the user; if it is determined that the user's identity verification is passed, generating the account binding query information.
  • the electronic device in the embodiment of the present application can implement the foregoing processes of the mobile terminal and achieve the same effect, which will not be repeated here.
  • the electronic device includes a memory and one or more programs, where one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each Each module may include a series of computer-executable instructions in the electronic device, and the one or more programs configured to be executed by one or more processors include the following computer-executable instructions:
  • the payment identifier of the target payment account is issued to the Internet of Things device through the NB-IoT communication method, and the payment identifier of the target payment account is used to perform the deduction operation in the target payment account.
  • the response information is returned to the IoT device through the NB-IoT communication method according to the payment function activation request, including: extracting the device feature information of the IoT device from the payment function activation request; The device feature information of the IoT device verifies whether the IoT device is a device that allows the payment function to be enabled; if it is, then returns response information indicating that the payment function is allowed to be enabled to the IoT device through the NB-IoT communication method.
  • binding the target payment account in the mobile terminal to the IoT device according to the binding notification message includes: according to the binding notification message, determining the corresponding Whether the number of bound accounts is greater than the first quantity threshold and whether the number of bound devices corresponding to the target payment account is greater than the second quantity threshold; if the number of bound accounts corresponding to the IoT device is not greater than the first quantity threshold And, if the number of bound devices corresponding to the target payment account is not greater than the second quantity threshold, the target payment account is bound to the Internet of Things device.
  • the computer-executable instructions further include: receiving barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the Internet of Things device according to the payment identifier of the target payment account; and the barcode information of the payment barcode is generated by the payment
  • the device collects from the Internet of Things device; analyzes the barcode information of the payment barcode to obtain the payment identifier of the target payment account; according to the payment identifier of the target payment account, performs a deduction operation in the target payment account.
  • the electronic device in the embodiment of the present application can implement various processes implemented by the foregoing server and achieve the same effect, which will not be repeated here.
  • an embodiment of the present application further provides a storage medium for storing computer-executable instructions.
  • the storage medium may be a U disk, an optical disk, a hard disk, etc., and the storage medium stores a computer
  • the executable instruction is executed by the processor, the following process can be realized:
  • an account binding request is transmitted to the mobile terminal, and the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device;
  • the server Receive the payment ID of the target payment account issued by the server through the NB-IoT communication method, and save the payment ID; where the payment ID of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile
  • the terminal sends according to the account binding request, the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device, and the payment identifier is used to perform the deduction operation in the target payment account.
  • the method further includes: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, the The barcode information is collected by the payment collection device and sent to the server, so that the server can charge the target payment account.
  • the computer executable instructions stored in the storage medium when executed by the processor, save the payment identifier, including: saving the payment identifier of the target payment account in a storage unit of the Internet of Things device;
  • the identification, before generating the payment barcode of the target payment account further includes: when the IoT device is offline, acquiring the payment identification of the target payment account from the storage unit.
  • the storage medium in the embodiments of the present application can implement the foregoing processes implemented by the Internet of Things devices and achieve the same effect, which will not be repeated here.
  • the storage medium may be a U disk, an optical disk, a hard disk, etc.
  • the account binding request is used to request that the target payment account in the mobile terminal be bound to the Internet of Things device; the account binding request is received by the Internet of Things device from the server. Allow the response information for enabling the payment function to be transmitted, and the response information is sent by the server according to the payment function activation request from the IoT device; the IoT device and the server communicate through the narrowband IoT NB-IoT communication method;
  • a binding notification message is sent to the server, and the binding notification message is used to notify the server to bind the target payment account with the Internet of Things device.
  • a binding notification message is sent to the server according to the account binding request, including: generating account binding query information according to the account binding request; The binding inquiry information is used to ask the user whether to allow the target payment account to be bound to the Internet of Things device; if it is determined that the user allows the target payment account to be bound to the Internet of Things device, a binding notification message is sent to the server.
  • the method further includes: authenticating the user; if it is determined that the user's identity verification is passed, generating the account binding Ask for information.
  • the storage medium in the embodiment of the present application can implement the foregoing processes implemented by the mobile terminal and achieve the same effect, which will not be repeated here.
  • the storage medium may be a U disk, an optical disk, a hard disk, etc.
  • the payment identifier of the target payment account is issued to the Internet of Things device through the NB-IoT communication method, and the payment identifier of the target payment account is used to perform the deduction operation in the target payment account.
  • the response information is returned to the Internet of Things device through the NB-IoT communication method according to the payment function activation request, including: extracting the Internet of Things from the payment function activation request Device feature information of the device; verify whether the IoT device is a device that allows payment functions to be enabled according to the device feature information of the IoT device; if so, return a response indicating that the payment function is allowed to be opened to the IoT device through the NB-IoT communication method information.
  • the target payment account in the mobile terminal is bound to the Internet of Things device according to the binding notification message, including: according to the binding notification message, Determine whether the number of bound accounts corresponding to the IoT device is greater than the first quantity threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second quantity threshold; If the quantity is not greater than the first quantity threshold, and the quantity of the bound devices corresponding to the target payment account is not greater than the second quantity threshold, the target payment account is bound to the Internet of Things device.
  • the method further includes: receiving barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the Internet of Things device according to the payment identifier of the target payment account; The barcode information of the payment barcode is collected from the IoT device by the payment device; the barcode information of the payment barcode is parsed to obtain the payment identifier of the target payment account; and the deduction operation is performed in the target payment account according to the payment identifier of the target payment account.
  • the storage medium in the embodiment of the present application can implement various processes implemented by the foregoing server and achieve the same effect, which will not be repeated here.
  • the improvement of a technology can be clearly distinguished from the improvement in hardware (for example, the improvement of circuit structures such as diodes, transistors, and switches) or the improvement in software (the improvement of the process flow).
  • the improvement of many methods and processes can be regarded as a direct improvement of the hardware circuit structure.
  • Designers almost get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by hardware physical modules.
  • a programmable logic device Programmable Logic Device, PLD
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression
  • AHDL AlteraHardwareDescriptionLanguage
  • Confluence a specific programming language
  • CUPL CornellUniversityProgrammingLanguage
  • HDCal JHDL (JavaHardwareDescriptionLanguage)
  • Lava Lola
  • MyHDL PALASM
  • RHDL RubyHardwareDescription
  • the controller may be implemented in any suitable manner, for example, the controller may take a microprocessor or processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro) processor , Logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers and embedded microcontrollers.
  • Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory.
  • controller in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to logically program method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded The same function is realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the device for implementing various functions included therein can also be regarded as a structure within the hardware component. Or even, the means for realizing various functions can be regarded as both a software module of an implementation method and a structure within a hardware component.
  • the system, device, module or unit explained in the above embodiments may be specifically implemented by a computer chip or entity, or implemented by a product with a certain function.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.
  • the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the present application may take the form of a computer program product implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code.
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, the instructions The device implements the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
  • processors CPUs
  • input / output interfaces output interfaces
  • network interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory, random access memory (RAM) and / or non-volatile memory in computer-readable media, such as read only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • Computer-readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
  • the information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices.
  • computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
  • the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the present application may take the form of a computer program product implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code.
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • the present application may also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media including storage devices.

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Abstract

一种设备支付方法及装置，包括：物联网设备通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，服务器通过NB-IoT通信方式向物联网设备返回应答信息，物联网设备基于应答信息，向移动终端传输账户绑定请求，请求绑定移动终端中的目标支付账户，移动终端根据账户绑定请求，向服务器发送账户绑定通知，服务器根据账户绑定通知，通过NB-IoT通信方式向物联网设备发送目标支付账户的支付标识，该支付标识用于在所述目标支付账户中进行扣款操作。

Description

设备支付方法及装置 技术领域
本申请涉及计算机技术领域，尤其涉及一种设备支付方法及装置。
背景技术
随着移动终端和软件开发技术的快速发展，目前已经可以在移动终端中开发各种应用程序，这些应用程序可以为用户提供各种各样的功能，比如拍照应用程序提供拍照功能，美图应用程序提供美图功能，导航应用程序提供路线导航功能等。
为方便用户进行支付，目前移动终端如手机等设备大多配有支付功能，用户通过移动终端可以进行支付。然而，现有技术只关注了如何在移动终端上实现支付，移动终端以外的设备还无法实现支付功能，导致用户的支付场景较少。
发明内容
本申请实施例的目的是提供一种设备支付方法及装置，以在物联网设备上实现支付功能，扩大用户的支付场景。
为达到上述技术目的，本申请实施例是这样实现的：
本申请实施例提供了一种设备支付方法，应用于物联网设备，包括：通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过所述NB-IoT通信方式接收服务器根据所述支付功能开通请求返回的应答信息；若所述应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；通过所述NB-IoT通信方式接收服务器下发的所述目标支付账户的支付标识，并保存所述支付标识；其中，所述目标支付账户的支付标识由服务器根据所述移动终端发送的绑定通知消息发送，所述绑定通知消息由所述移动终端根据所述账户绑定请求发送，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定，所述支付标识用于在所述目标支付账户中进行扣款操作。
本申请实施例提供了一种设备支付方法，应用于移动终端，包括：从物联网设备处获取账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所 述物联网设备进行绑定；所述账户绑定请求由所述物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，所述应答信息由服务器根据来自于所述物联网设备的支付功能开通请求发送；所述物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；根据所述账户绑定请求，向服务器发送绑定通知消息，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定。
本申请实施例提供了一种设备支付方法，应用于服务器，包括：通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据所述支付功能开通请求通过所述NB-IoT通信方式向所述物联网设备返回应答信息，所述应答信息用于表示允许开通支付功能；接收移动终端发送的绑定通知消息，根据所述绑定通知消息，将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述绑定通知消息由所述移动终端根据从所述物联网设备处获取到的账户绑定请求发送，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；通过所述NB-IoT通信方式向所述物联网设备下发所述目标支付账户的支付标识，所述目标支付账户的支付标识用于在所述目标支付账户中进行扣款操作。
本申请实施例提供了一种设备支付装置，应用于物联网设备，包括：请求开通模块，用于通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过所述NB-IoT通信方式接收服务器根据所述支付功能开通请求返回的应答信息；请求绑定模块，用于若所述应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；标识保存模块，用于通过所述NB-IoT通信方式接收服务器下发的所述目标支付账户的支付标识，并保存所述支付标识；其中，所述目标支付账户的支付标识由服务器根据所述移动终端发送的绑定通知消息发送，所述绑定通知消息由所述移动终端根据所述账户绑定请求发送，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定，所述支付标识用于在所述目标支付账户中进行扣款操作。
本申请实施例提供了一种设备支付装置，应用于移动终端，包括：请求获取模块，用于从物联网设备处获取账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述账户绑定请求由所述物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，所述应答信息由服务器根据来自于所述物联网设备的支付功能开通请求发送；所述物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；通知发送模块，用于根据所述账户绑定请求，向 服务器发送绑定通知消息，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定。
本申请实施例提供了一种设备支付装置，应用于服务器，包括：请求接收模块，用于通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据所述支付功能开通请求通过所述NB-IoT通信方式向所述物联网设备返回应答信息，所述应答信息用于表示允许开通支付功能；账户绑定模块，用于接收移动终端发送的绑定通知消息，根据所述绑定通知消息，将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述绑定通知消息由所述移动终端根据从所述物联网设备处获取到的账户绑定请求发送，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；标识下发模块，用于通过所述NB-IoT通信方式向所述物联网设备下发所述目标支付账户的支付标识，所述目标支付账户的支付标识用于在所述目标支付账户中进行扣款操作。
本申请实施例提供了一种电子设备，包括：处理器；以及被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器实现上述的设备支付方法的步骤。
本申请实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现上述的设备支付方法的步骤。
通过本实施例中的技术方案，物联网设备可以与服务器进行NB-loT通信，并与移动终端通信，从而实现移动终端中的目标支付账户与物联网设备的绑定。物联网设备根据服务器下发的目标支付账户的支付标识可以在目标支付账户中进行支付，从而在物联网设备上实现支付功能，扩大用户的支付场景。
附图说明
为了更清楚地说明本申请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申请中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1是本申请一实施例提供的设备支付方法的应用场景图；
图2为本申请一实施例提供的设备支付方法的流程示意图；
图3为本申请一实施例提供的账户绑定的流程示意图；
图4为本申请另一实施例提供的设备支付方法的流程示意图；
图5为本申请另一实施例提供的设备支付方法的应用场景图；
图6为本申请另一实施例提供的设备支付方法的流程示意图；
图7为本申请另一实施例提供的设备支付方法的流程示意图；
图8为本申请另一实施例提供的设备支付方法的流程示意图；
图9为本申请一实施例提供的设备支付装置的模块组成示意图；
图10为本申请一实施例提供的设备支付装置的模块组成示意图；
图11为本申请一实施例提供的设备支付装置的模块组成示意图；
图12为本申请一实施例提供的电子设备的结构示意图。
具体实施方式
为了使本技术领域的人员更好地理解本申请中的技术方案，下面将结合本申请实施例中的附图，对本申请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申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，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，都应当属于本申请保护的范围。
本申请实施例提供了一种设备支付方法及装置，可以在物联网设备上实现支付功能，扩大用户的支付场景，其中，物联网设备具有NB-IoT(Narrow Band Internet of Things，窄带物联网)通信功能。NB-IoT是一种基于蜂窝网络的窄带物联网，是IoT领域一个新兴的技术，支持低功耗设备在广域网的蜂窝数据连接，支持待机时间长、对网络连接要求较高设备的高效连接。NB-IoT也称为LPWAN(Low-Power Wide-Area Network，低功耗广域网)。
图1是本申请一实施例提供的设备支付方法的应用场景图，如图1所示，该场景包括物联网设备100、移动终端200和服务器300，物联网设备100可以为可穿戴设备或智能家电，可穿戴设备可以为手表、手环等，智能家电可以为冰箱、洗衣机、电饭煲、空调等。图1中以物联网设备100为手环进行示意。物联网设备100中安装有NB-IoT通信模块，物联网设备100可以利用该NB-IoT通信模块通过NB-IoT通信方式与服务 器300通信。移动终端200可以为手机、电脑、平板电脑等，移动终端200可以与物联网设备100和服务器300通信。服务器300可以为支付平台的后台服务器，服务器300可以与物联网设备100和移动终端200通信。
图2为本申请一实施例提供的设备支付方法的流程示意图，该方法可以应用于物联网设备，由物联网设备执行，如图2所示，该流程包括以下步骤：
步骤S202，通过NB-IoT通信方式向服务器发送支付功能开通请求，并通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息；
步骤S204，若该应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求；其中，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
步骤S206，通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识，并保存该支付标识；
其中，目标支付账户的支付标识由服务器根据移动终端发送的绑定通知消息发送，绑定通知消息由移动终端根据上述账户绑定请求发送，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，支付标识用于在目标支付账户中进行扣款操作。
本实施例中，通过目标支付账户的支付标识可以在目标支付账户中进行扣款。该支付标识可以为一串字符串，可以由服务器为目标支付账户生成。不同支付账户的支付标识各不相同。服务器在获取到目标支付账户的支付标识后，可以根据该支付标识，以及预先记录的支付标识和账户标识之间的对应关系，确定目标支付账户的账户标识，根据目标支付账户的账户标识，在目标支付账户中进行扣款操作。
可见，本申请实施例中，物联网设备能够通过NB-IoT通信方式向服务器发送支付功能开通请求，并通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息，并在该应答信息用于表示允许开通支付功能时，向移动终端传输账户绑定请求，以请求将移动终端中的目标支付账户与物联网设备进行绑定，并通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识并保存，由于该支付标识用于在目标支付账户中进行扣款操作，因此物联网设备基于该支付标识能够实现支付功能，从而扩大用户的支付场景。
本实施例中，由于物联网设备可以通过NB-IoT通信方式与服务器通信，因此物联网设备运行支持NB-IoT的系统即可。由于支持NB-IoT的系统(比如单片机系统)通 常较为简单，开发难度低，因此大大降低了物联网设备的系统开发成本，使得在智能家电及可穿戴设备上也能够通过简单的开发过程实现支付功能。
上述步骤S202中，物联网设备通过NB-IoT通信方式向服务器发送支付功能开通请求，该支付功能开通请求可以携带有物联网设备的设备特征信息，如设备标识，服务器可以根据支付功能开通请求，验证物联网设备是否为允许开通支付功能的设备，若是，则服务器通过NB-IoT通信方式向物联网设备返回用于表示允许开通支付功能的应答信息，若不是，则服务器通过NB-IoT通信方式向物联网设备返回用于表示不允许开通支付功能的应答信息。
上述步骤S202中，物联网设备通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息。物联网设备还判断该应答信息是否用于表示允许开通支付功能，若是，则物联网设备执行上述步骤S204。
步骤S204，物联网设备向移动终端传输账户绑定请求，该账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定，在将移动终端中的目标支付账户与物联网设备绑定成功后，物联网设备即可通过该目标支付账户实现支付功能。物联网设备可以通过蓝牙、WiFi(WIreless-Fidelity，无线保真)、红外、二维码、声波等通信手段向移动终端传输账户绑定请求。
比如，物联网设备通过蓝牙、WiFi、红外、声波中的任一种方式将账户绑定请求发送给移动终端，或者，物联网设备显示账户绑定请求对应的二维码，移动终端通过扫码的方式，从物联网设备处获取账户绑定请求。
移动终端接收到账户绑定请求后，可以对用户进行身份验证，验证通过后，移动终端生成账户绑定询问信息，账户绑定询问信息用于询问用户是否允许将目标支付账户与物联网设备进行绑定，移动终端接收用户针对账户绑定询问信息的回答信息，若该回答信息表示用户允许将目标支付账户与物联网设备进行绑定，则移动终端向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定。移动终端可以通过WIFI、4G等方式向服务器发送绑定通知消息。
服务器接收到绑定通知消息后，可以判断该物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值，若该物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则服务器将目标支付账户与该物联 网设备进行绑定。绑定过程可以为：服务器在数据库内中保存绑定记录，该绑定记录通过一一对应的方式记录有目标支付账户的账户标识和物联网设备的设备标识，以表示目标支付账户和该物联网设备相互绑定。
服务器将移动终端中的目标支付账户与物联网设备进行绑定后，通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，从而物联网设备执行上述步骤S206，通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识，并保存该支付标识，该支付标识用于在目标支付账户中进行扣款操作。根据前面描述可知，目标支付账户的支付标识由服务器根据移动终端发送的绑定通知消息发送，绑定通知消息由移动终端根据物联网设备传输的账户绑定请求发送。
图3为本申请一实施例提供的账户绑定的流程示意图，如图3所示，该流程包括：
步骤S302，物联网设备根据用户操作，通过NB-IoT通信方式向服务器发送支付功能开通请求。
该步骤中，用户操作可以为点击“开通支付功能”的按钮的操作。支付功能开通请求中携带有物联网设备的设备特征信息，如设备标识。
步骤S304，服务器根据支付功能开通请求，通过NB-IoT通信方式向物联网设备返回表示允许开通支付功能的应答信息。
该步骤中，服务器从支付开通请求中提取得到物联网设备的设备特征信息，若根据该设备特征信息，确定该物联网设备为允许开通支付功能的设备，则服务器向物联网设备返回表示允许开通支付功能的应答信息，该应答信息携带有服务器为该物联网设备生成的唯一字符串，该唯一字符串用于标识该物联网设备，唯一字符串又可以为称为token。
步骤S306，物联网设备通过NB-IoT通信方式接收服务器发送的应答信息，根据该应答信息，向移动终端传输账户绑定请求。
该步骤中，账户绑定请求携带有上述的唯一字符串，还可以携带有物联网设备的设备特征信息。物联网设备可以根据服务器的应答信息，生成二维码，该二维码中携带有账户绑定请求，从而通过显示二维码的方式向移动终端传输账户绑定请求，移动终端通过扫码的方式获取账户绑定请求。
步骤S308，移动终端从物联网设备处获取账户绑定请求，向服务器发送账户绑定通知。
该步骤中，移动终端根据账户绑定请求，对用户进行身份验证并询问用户是否允许将物联网设备和目标支付账户进行绑定。若用户身份验证通过并且用户允许绑定，则移动终端向服务器发送账户绑定通知，该账户绑定通知中携带有上述的唯一字符串以及物联网设备的设备特征信息，还可以携带有用户身份信息和目标支付账户的账户标识。移动终端对用户进行身份认证的方式包括但不限于：账号密码认证、生物识别认证、动态token认证、手机短信认证等。
步骤S310，服务器根据账户绑定通知，将移动终端中的目标支付账户与物联网设备进行绑定。
该步骤中，服务器接收到账户绑定通知后，从该通知中解析得到上述的唯一字符串和账户标识，根据该唯一字符串确定待绑定的物联网设备，根据该账户标识确定待绑定的目标支付账户，从而将目标支付账户和物联网设备进行绑定。
步骤S312，服务器通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识。
步骤S314，物联网设备保存目标支付账户的支付标识，以通过支付标识进行支付操作。
图4为本申请另一实施例提供的设备支付方法的流程示意图，该方法可以应用于物联网设备，由物联网设备执行，如图4所示，该流程在图2的基础上，还包括：
步骤S208，根据目标支付账户的支付标识，生成目标支付账户的付款条码；
步骤S210，显示目标支付账户的付款条码，付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在目标支付账户中进行扣款操作。
具体地，物联网设备在付款时，可以根据目标支付账户的支付标识生成付款条码，比如，利用支付标识、设备的时间信息和预设算法，生成付款二维码。然后，物联网设备显示该付款条码，收款设备可以采集该付款条码的条码信息，并发送至服务器，服务器根据该条码信息，在目标支付账户中进行扣款操作。
具体地，服务器可以接收收款设备发送的付款条码的条码信息，对付款条码的条码信息进行解析，得到目标支付账户的支付标识，这里的解析算法与生成付款条码的算法相对应，最后，服务器根据目标支付账户的支付标识，在目标支付账户中进行扣款操作。
在其他实施例中，物联网还可以根据目标支付账户的支付标识，生成目标支付账户 的支付信息，通过蓝牙、WiFi、红外、声波等方式将支付信息发送至收款设备，收款设备将该支付信息发送至服务器，服务器根据该支付信息，解析得到目标支付账户的支付标识，从而在目标支付账户中进行扣款操作。
图4的方法中，物联网设备保存支付标识具体可以为：将目标支付账户的支付标识保存在物联网设备的存储单元中。相应地，物联网设备在根据目标支付账户的支付标识，生成目标支付账户的付款条码之前，还可以：在物联网设备离线时，从存储单元中获取目标支付账户的支付标识。
具体地，物联网设备将目标支付账户的支付标识保存在存储单元内，当物联网设备离线时，物联网设备可以从存储单元中获取目标支付账户的支付标识，根据该支付标识进行付款操作，从而达到离线支付的效果。
图5为本申请另一实施例提供的设备支付方法的应用场景图，如图5所示，该场景包括物联网设备100、收款设备400和服务器300，收款设备400可以包括扫码枪等设备。
图6为本申请另一实施例提供的设备支付方法的流程示意图，如图6所示，基于图5中的场景，该方法包括：
步骤S602，物联网设备在离线状态下，从存储单元中获取目标支付账户的支付标识。
步骤S604，物联网设备根据目标支付账户的支付标识和离线的条码生成算法，生成目标支付账户的付款条码并显示；
步骤S606，收款设备采集付款条码的条码信息；
步骤S608，收款设备将条码信息、交易信息和商户信息发送至服务器；
步骤S610，服务器接收收款设备发送的付款条码的条码信息、交易信息和商户信息，服务器对付款条码的条码信息进行解析，得到目标支付账户的支付标识，对商户信息进行解析，确定商户的收款账户，根据交易信息确定收款金额；
步骤S612，服务器根据目标支付账户的支付标识和收款金额，在目标支付账户中进行扣款操作，根据收款金额，在商户的收款账户中进行相应的入账操作。
综上，本实施例具有以下优点：
1、把支付功能与NB-IoT结合，将NB-IoT的优势应用到支付领域，优化支付体验。
2、非常适合物联网设备的移动支付，基于NB-IoT低功耗、广覆盖、大容量的优势， 能够使得物联网设备长时间进行支付操作。
3、物联网设备可以实现离线支付，方便用户操作。
4、通过NB-IoT可以达到远距离通信的效果，方便物联网设备与服务器进行交互。
图7为本申请另一实施例提供的设备支付方法的流程示意图，该方法可以应用于移动终端，由移动终端执行，如图7所示，该流程包括以下步骤：
步骤S702，从物联网设备处获取账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；账户绑定请求由物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，该应答信息由服务器根据来自于物联网设备的支付功能开通请求发送；物联网设备和服务器之间通过NB-IoT通信方式通信；
步骤S704，根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定。
可见，本申请实施例中，移动终端能够从物联网设备处获取账户绑定请求，根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，从而将目标支付账户与物联网设备绑定，使物联网设备具有支付功能，扩大用户的支付场景。
上述步骤S704中，根据账户绑定请求，向服务器发送绑定通知消息，具体可以是：根据账户绑定请求，生成账户绑定询问信息，账户绑定询问信息用于询问用户是否允许将目标支付账户与物联网设备进行绑定，若确定用户允许将目标支付账户与物联网设备进行绑定，则向服务器发送绑定通知消息。
比如，移动终端根据账户绑定请求，生成弹框，弹框显示“是否确定将账户XXX与设备XXX进行绑定”，移动终端还显示确定按钮和取消按钮，若用户点击确定按钮，则移动终端确定用户允许将目标支付账户与物联网设备进行绑定，并向服务器发送绑定通知消息，若用户点击取消按钮，则移动终端结束绑定流程。
进一步地，在生成账户绑定询问信息之前，移动终端还可以对用户进行身份验证，若确定用户身份验证通过，则生成账户绑定询问信息。
具体地，移动终端可以对用户进行身份验证，验证方式包括但不限于生物特征验证、账户密码验证、短信验证码验证等，若确定用户身份验证通过，则生成账户绑定询问信 息，并在确定用户允许将目标支付账户与物联网设备进行绑定后，向服务器发送绑定通知消息。若用户身份验证不通过，则移动终端可以显示相应的提示信息。本实施例中，通过身份验证和询问认证双重方式，能够保证账户绑定的准确性和安全性。
可见，通过本实施例能够实现物联网设备的支付功能。本实施例中的移动终端能够实现前述移动终端实现的各个过程，并达到相同的效果，这里不再重复。
图8为本申请另一实施例提供的设备支付方法的流程示意图，该方法可以应用于服务器，由服务器执行，如图8所示，该流程包括以下步骤：
步骤S802，通过NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，应答信息用于表示允许开通支付功能；
步骤S804，接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定；绑定通知消息由移动终端根据从物联网设备处获取到的账户绑定请求发送，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
步骤S806，通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，目标支付账户的支付标识用于在目标支付账户中进行扣款操作。
可见，本申请实施例中，服务器可以通过NB-IoT通信方式接收物联网设备发送的支付功能开通请求，并根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，并接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定，并通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，因此物联网设备基于该支付标识能够实现支付功能，从而扩大用户的支付场景。
上述步骤S802中，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，具体为：从支付功能开通请求中提取物联网设备的设备特征信息，如设备标识，根据物联网设备的设备特征信息验证物联网设备是否为允许开通支付功能的设备，若是，则通过NB-IoT通信方式向物联网设备返回用于表示允许开通支付功能的应答信息，若否，则通过NB-IoT通信方式向物联网设备返回用于表示不允许开通支付功能的应答信息。
具体地，服务器内存储有表格，该表格用于记录允许开通支付功能的设备的设备特 征信息，服务器提取到物联网设备的设备特征信息后，在该表格中查找提取到的设备特征信息，若查找到，则确定物联网设备为允许开通支付功能的设备，向物联网设备返回用于表示允许开通支付功能的应答信息，若未查找到，则确定物联网设备为不允许开通支付功能的设备，向物联网设备返回用于表示不允许开通支付功能的应答信息。当然，其他方式中，该表格还可以记录不允许开通支付功能的设备的设备特征信息，这一过程这里不再赘述。
上述步骤S802中，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定，具体为：根据绑定通知消息，判断物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值，若物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将目标支付账户与物联网设备进行绑定。
具体地，为避免同一支付账户绑定过多设备，或者，同一设备绑定过多支付账户，本实施例中，服务器在接收到绑定通知消息后，判断物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值，第一数量阈值和第二数量阈值可以根据需要设定，若物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将目标支付账户与物联网设备进行绑定。绑定过程可以为：服务器在数据库内中保存绑定记录，该绑定记录通过一一对应的方式记录有目标支付账户的账户标识和物联网设备的设备标识，以表示目标支付账户和该物联网设备相互绑定。
若物联网设备对应的已绑定账户的数量大于第一数量阈值，或者，目标支付账户对应的已绑定设备的数量大于第二数量阈值，则服务器可以向移动终端返回无法绑定的提示信息。
通过本实施例，能够避免同一支付账户绑定过多设备，或者，同一设备绑定过多支付账户导致的支付混乱的问题。
本实施例中，服务器还可以接收收款设备发送的付款条码的条码信息，付款条码由物联网设备根据目标支付账户的支付标识生成，付款条码的条码信息由付款设备从物联网设备处采集，对付款条码的条码信息进行解析，得到目标支付账户的支付标识，根据目标支付账户的支付标识，在目标支付账户中进行扣款操作。
服务器解析条码信息得到支付标识的算法，与物联网设备根据支付标识生成付款条码的算法相互对应，服务器得到支付标识后，根据目标支付账户的支付标识，在目标支付账户中进行扣款操作具体可以为：根据目标支付账户的支付标识，以及预先记录的支付标识和账户标识之间的对应关系，确定目标支付账户的账户标识，根据目标支付账户的账户标识，在目标支付账户中进行扣款操作。
可见，通过本实施例能够实现物联网设备的支付功能。本实施例中的服务器能够实现前述服务器实现的各个过程，并达到相同的效果，这里不再重复。
本申请实施例还提供了一种设备支付装置，应用于物联网设备，图9为本申请一实施例提供的设备支付装置的模块组成示意图，如图9所示，该装置包括：
请求开通模块91，用于通过NB-IoT通信方式向服务器发送支付功能开通请求，并通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息；
请求绑定模块92，用于若应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
标识保存模块93，用于通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识，并保存支付标识；其中，目标支付账户的支付标识由服务器根据移动终端发送的绑定通知消息发送，绑定通知消息由移动终端根据账户绑定请求发送，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，支付标识用于在目标支付账户中进行扣款操作。
可选地，该装置还包括支付模块，用于：根据目标支付账户的支付标识，生成目标支付账户的付款条码；显示目标支付账户的付款条码，付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在目标支付账户中进行扣款操作。
可选地，标识保存模块93具体用于：将目标支付账户的支付标识保存在物联网设备的存储单元中；该装置还包括：离线获取模块，用于在根据目标支付账户的支付标识，生成目标支付账户的付款条码之前，在物联网设备离线时，从存储单元中获取目标支付账户的支付标识。
可见，本申请实施例中，物联网设备能够通过NB-IoT通信方式向服务器发送支付功能开通请求，并通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息，并在该应答信息用于表示允许开通支付功能时，向移动终端传输账户绑定请求， 以请求将移动终端中的目标支付账户与物联网设备进行绑定，并通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识并保存，由于该支付标识用于在目标支付账户中进行扣款操作，因此物联网设备基于该支付标识能够实现支付功能，从而扩大用户的支付场景。
本申请实施例中的设备支付装置能够实现前述的物联网设备实现的各个过程，并达到相同的效果，这里不再重复。
本申请实施例还提供了一种设备支付装置，应用于移动终端，图10为本申请一实施例提供的设备支付装置的模块组成示意图，如图10所示，该装置包括：
请求获取模块101，用于从物联网设备处获取账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；账户绑定请求由物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，应答信息由服务器根据来自于物联网设备的支付功能开通请求发送；物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；
通知发送模块102，用于根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定。
可选地，通知发送模块102具体用于：根据账户绑定请求，生成账户绑定询问信息；账户绑定询问信息用于询问用户是否允许将目标支付账户与物联网设备进行绑定；若确定用户允许将目标支付账户与物联网设备进行绑定，则向服务器发送绑定通知消息。
可选地，该装置还包括：身份验证模块，用于在生成账户绑定询问信息之前，对用户进行身份验证；若确定用户身份验证通过，则生成账户绑定询问信息。
可见，本申请实施例中，移动终端能够从物联网设备处获取账户绑定请求，根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，从而将目标支付账户与物联网设备绑定，使物联网设备具有支付功能，扩大用户的支付场景。
本申请实施例中的设备支付装置能够实现前述移动终端实现的各个过程，并达到相同的效果，这里不再重复。
本申请实施例还提供了一种设备支付装置，应用于服务器，图11为本申请一实施例提供的设备支付装置的模块组成示意图，如图11所示，该装置包括：
请求接收模块111，用于通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，应答信息用于表示允许开通支付功能；
账户绑定模块112，用于接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定；绑定通知消息由移动终端根据从物联网设备处获取到的账户绑定请求发送，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
标识下发模块113，用于通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，目标支付账户的支付标识用于在目标支付账户中进行扣款操作。
可选地，请求接收模块111具体用于：从支付功能开通请求中提取物联网设备的设备特征信息；根据物联网设备的设备特征信息验证物联网设备是否为允许开通支付功能的设备；若是，则通过NB-IoT通信方式向物联网设备返回用于表示允许开通支付功能的应答信息。
可选地，账户绑定模块112具体用于：根据绑定通知消息，判断物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值；若物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将目标支付账户与物联网设备进行绑定。
可选地，该装置还包括扣款模块，用于：接收收款设备发送的付款条码的条码信息；付款条码由物联网设备根据目标支付账户的支付标识生成；付款条码的条码信息由付款设备从物联网设备处采集；对付款条码的条码信息进行解析，得到目标支付账户的支付标识；根据目标支付账户的支付标识，在目标支付账户中进行扣款操作。
可见，本申请实施例中，服务器可以通过NB-IoT通信方式接收物联网设备发送的支付功能开通请求，并根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，并接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定，并通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，因此物联网设备基于该支付标识能够实现支付功能，从而扩大用户的支付场景。
本申请实施例中的设备支付装置能够实现前述服务器实现的各个过程，并达到 相同的效果，这里不再重复。
进一步地，本申请实施例还提供了一种电子设备，图12为本申请一实施例提供的电子设备的结构示意图，如图12所示，电子设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器1201和存储器1202，存储器1202中可以存储有一个或一个以上存储应用程序或数据。其中，存储器1202可以是短暂存储或持久存储。存储在存储器1202的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括对电子设备中的一系列计算机可执行指令。更进一步地，处理器1201可以设置为与存储器1202通信，在电子设备上执行存储器1202中的一系列计算机可执行指令。电子设备还可以包括一个或一个以上电源1203，一个或一个以上有线或无线网络接口1204，一个或一个以上输入输出接口1205，一个或一个以上键盘1206等。
在一个具体的实施例中，电子设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对电子设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：
通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息；
若应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识，并保存支付标识；其中，目标支付账户的支付标识由服务器根据移动终端发送的绑定通知消息发送，绑定通知消息由移动终端根据账户绑定请求发送，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，支付标识用于在目标支付账户中进行扣款操作。
可选地，计算机可执行指令在被执行时，还包括：根据目标支付账户的支付标识，生成目标支付账户的付款条码；显示目标支付账户的付款条码，付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在目标支付账户中进行扣款操作。
可选地，计算机可执行指令在被执行时，保存支付标识，包括：将目标支付账户的支付标识保存在物联网设备的存储单元中；在根据目标支付账户的支付标识，生成目标支付账户的付款条码之前，还包括：在物联网设备离线时，从存储单元中获取目标 支付账户的支付标识。
本申请实施例中的电子设备能够实现前述的物联网设备实现的各个过程，并达到相同的效果，这里不再重复。
在另一个具体的实施例中，电子设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对电子设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：
从物联网设备处获取账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；账户绑定请求由物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，应答信息由服务器根据来自于物联网设备的支付功能开通请求发送；物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；
根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定。
可选地，计算机可执行指令在被执行时，根据账户绑定请求，向服务器发送绑定通知消息，包括：根据账户绑定请求，生成账户绑定询问信息；账户绑定询问信息用于询问用户是否允许将目标支付账户与物联网设备进行绑定；若确定用户允许将目标支付账户与物联网设备进行绑定，则向服务器发送绑定通知消息。
可选地，计算机可执行指令在被执行时，在生成账户绑定询问信息之前，还包括：对用户进行身份验证；若确定用户身份验证通过，则生成账户绑定询问信息。
本申请实施例中的电子设备能够实现前述移动终端实现的各个过程，并达到相同的效果，这里不再重复。
在另一个具体的实施例中，电子设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对电子设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：
通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根 据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，应答信息用于表示允许开通支付功能；
接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定；绑定通知消息由移动终端根据从物联网设备处获取到的账户绑定请求发送，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，目标支付账户的支付标识用于在目标支付账户中进行扣款操作。
可选地，计算机可执行指令在被执行时，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，包括：从支付功能开通请求中提取物联网设备的设备特征信息；根据物联网设备的设备特征信息验证物联网设备是否为允许开通支付功能的设备；若是，则通过NB-IoT通信方式向物联网设备返回用于表示允许开通支付功能的应答信息。
可选地，计算机可执行指令在被执行时，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定，包括：根据绑定通知消息，判断物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值；若物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将目标支付账户与物联网设备进行绑定。
可选地，计算机可执行指令在被执行时，还包括：接收收款设备发送的付款条码的条码信息；付款条码由物联网设备根据目标支付账户的支付标识生成；付款条码的条码信息由付款设备从物联网设备处采集；对付款条码的条码信息进行解析，得到目标支付账户的支付标识；根据目标支付账户的支付标识，在目标支付账户中进行扣款操作。
本申请实施例中的电子设备能够实现前述服务器实现的各个过程，并达到相同的效果，这里不再重复。
进一步地，本申请实施例还提供了一种存储介质，用于存储计算机可执行指令，一种具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令在被处理器执行时，能实现以下流程：
通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过 NB-IoT通信方式接收服务器根据支付功能开通请求返回的应答信息；
若应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
通过NB-IoT通信方式接收服务器下发的目标支付账户的支付标识，并保存支付标识；其中，目标支付账户的支付标识由服务器根据移动终端发送的绑定通知消息发送，绑定通知消息由移动终端根据账户绑定请求发送，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定，支付标识用于在目标支付账户中进行扣款操作。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，还包括：根据目标支付账户的支付标识，生成目标支付账户的付款条码；显示目标支付账户的付款条码，付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在目标支付账户中进行扣款操作。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，保存支付标识，包括：将目标支付账户的支付标识保存在物联网设备的存储单元中；在根据目标支付账户的支付标识，生成目标支付账户的付款条码之前，还包括：在物联网设备离线时，从存储单元中获取目标支付账户的支付标识。
本申请实施例中的存储介质能够实现前述的物联网设备实现的各个过程，并达到相同的效果，这里不再重复。
另一种具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令在被处理器执行时，能实现以下流程：
从物联网设备处获取账户绑定请求，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；账户绑定请求由物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，应答信息由服务器根据来自于物联网设备的支付功能开通请求发送；物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；
根据账户绑定请求，向服务器发送绑定通知消息，绑定通知消息用于通知服务器将目标支付账户与物联网设备进行绑定。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，根据账户绑定请求，向服务器发送绑定通知消息，包括：根据账户绑定请求，生成账户绑定询问信息；账户绑定询问信息用于询问用户是否允许将目标支付账户与物联网设备进行绑定； 若确定用户允许将目标支付账户与物联网设备进行绑定，则向服务器发送绑定通知消息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，在生成账户绑定询问信息之前，还包括：对用户进行身份验证；若确定用户身份验证通过，则生成账户绑定询问信息。
本申请实施例中的存储介质能够实现前述移动终端实现的各个过程，并达到相同的效果，这里不再重复。
另一种具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令在被处理器执行时，能实现以下流程：
通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，应答信息用于表示允许开通支付功能；
接收移动终端发送的绑定通知消息，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定；绑定通知消息由移动终端根据从物联网设备处获取到的账户绑定请求发送，账户绑定请求用于请求将移动终端中的目标支付账户与物联网设备进行绑定；
通过NB-IoT通信方式向物联网设备下发目标支付账户的支付标识，目标支付账户的支付标识用于在目标支付账户中进行扣款操作。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，根据支付功能开通请求通过NB-IoT通信方式向物联网设备返回应答信息，包括：从支付功能开通请求中提取物联网设备的设备特征信息；根据物联网设备的设备特征信息验证物联网设备是否为允许开通支付功能的设备；若是，则通过NB-IoT通信方式向物联网设备返回用于表示允许开通支付功能的应答信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，根据绑定通知消息，将移动终端中的目标支付账户与物联网设备进行绑定，包括：根据绑定通知消息，判断物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断目标支付账户对应的已绑定设备的数量是否大于第二数量阈值；若物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将目标支付账户与物联网设备进行绑定。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，还包括：接 收收款设备发送的付款条码的条码信息；付款条码由物联网设备根据目标支付账户的支付标识生成；付款条码的条码信息由付款设备从物联网设备处采集；对付款条码的条码信息进行解析，得到目标支付账户的支付标识；根据目标支付账户的支付标识，在目标支付账户中进行扣款操作。
本申请实施例中的存储介质能够实现前述服务器实现的各个过程，并达到相同的效果，这里不再重复。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs  C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本申请时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请是参照根据本申请实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本申请的实施例可提供为方法、系统或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程 序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求范围之内。

Claims (22)

  1. 一种设备支付方法，其特征在于，应用于物联网设备，包括：
    通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过所述NB-IoT通信方式接收服务器根据所述支付功能开通请求返回的应答信息；
    若所述应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；
    通过所述NB-IoT通信方式接收服务器下发的所述目标支付账户的支付标识，并保存所述支付标识；其中，所述目标支付账户的支付标识由服务器根据所述移动终端发送的绑定通知消息发送，所述绑定通知消息由所述移动终端根据所述账户绑定请求发送，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定，所述支付标识用于在所述目标支付账户中进行扣款操作。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    根据所述目标支付账户的支付标识，生成所述目标支付账户的付款条码；
    显示所述目标支付账户的付款条码，所述付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在所述目标支付账户中进行扣款操作。
  3. 根据权利要求2所述的方法，其特征在于，
    保存所述支付标识，包括：将所述目标支付账户的支付标识保存在所述物联网设备的存储单元中；
    在所述根据所述目标支付账户的支付标识，生成所述目标支付账户的付款条码之前，所述方法还包括：在所述物联网设备离线时，从所述存储单元中获取所述目标支付账户的支付标识。
  4. 一种设备支付方法，其特征在于，应用于移动终端，包括：
    从物联网设备处获取账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述账户绑定请求由所述物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，所述应答信息由服务器根据来自于所述物联网设备的支付功能开通请求发送；所述物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；
    根据所述账户绑定请求，向服务器发送绑定通知消息，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定。
  5. 根据权利要求4所述的方法，其特征在于，根据所述账户绑定请求，向服务器 发送绑定通知消息，包括：
    根据所述账户绑定请求，生成账户绑定询问信息；所述账户绑定询问信息用于询问用户是否允许将所述目标支付账户与所述物联网设备进行绑定；
    若确定用户允许将所述目标支付账户与所述物联网设备进行绑定，则向服务器发送绑定通知消息。
  6. 根据权利要求5所述的方法，其特征在于，在生成账户绑定询问信息之前，所述方法还包括：
    对用户进行身份验证；
    若确定用户身份验证通过，则生成账户绑定询问信息。
  7. 一种设备支付方法，其特征在于，应用于服务器，包括：
    通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据所述支付功能开通请求通过所述NB-IoT通信方式向所述物联网设备返回应答信息，所述应答信息用于表示允许开通支付功能；
    接收移动终端发送的绑定通知消息，根据所述绑定通知消息，将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述绑定通知消息由所述移动终端根据从所述物联网设备处获取到的账户绑定请求发送，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；
    通过所述NB-IoT通信方式向所述物联网设备下发所述目标支付账户的支付标识，所述目标支付账户的支付标识用于在所述目标支付账户中进行扣款操作。
  8. 根据权利要求7所述的方法，其特征在于，根据所述支付功能开通请求通过所述NB-IoT通信方式向所述物联网设备返回应答信息，包括：
    从所述支付功能开通请求中提取所述物联网设备的设备特征信息；
    根据所述物联网设备的设备特征信息验证所述物联网设备是否为允许开通支付功能的设备；
    若是，则通过所述NB-IoT通信方式向所述物联网设备返回用于表示允许开通支付功能的应答信息。
  9. 根据权利要求7或8所述的方法，其特征在于，根据所述绑定通知消息，将所述移动终端中的目标支付账户与所述物联网设备进行绑定，包括：
    根据所述绑定通知消息，判断所述物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断所述目标支付账户对应的已绑定设备的数量是否大于第二数量阈值；
    若所述物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，所述目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将所述目标支付账户与所述物联网设备进行绑定。
  10. 根据权利要求7或8所述的方法，其特征在于，所述方法还包括：
    接收收款设备发送的付款条码的条码信息；所述付款条码由所述物联网设备根据所述目标支付账户的支付标识生成；所述付款条码的条码信息由所述付款设备从所述物联网设备处采集；
    对所述付款条码的条码信息进行解析，得到所述目标支付账户的支付标识；
    根据所述目标支付账户的支付标识，在所述目标支付账户中进行扣款操作。
  11. 一种设备支付装置，其特征在于，应用于物联网设备，包括：
    请求开通模块，用于通过窄带物联网NB-IoT通信方式向服务器发送支付功能开通请求，并通过所述NB-IoT通信方式接收服务器根据所述支付功能开通请求返回的应答信息；
    请求绑定模块，用于若所述应答信息用于表示允许开通支付功能，则向移动终端传输账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；
    标识保存模块，用于通过所述NB-IoT通信方式接收服务器下发的所述目标支付账户的支付标识，并保存所述支付标识；其中，所述目标支付账户的支付标识由服务器根据所述移动终端发送的绑定通知消息发送，所述绑定通知消息由所述移动终端根据所述账户绑定请求发送，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定，所述支付标识用于在所述目标支付账户中进行扣款操作。
  12. 根据权利要求11所述的装置，其特征在于，所述装置还包括支付模块，用于：
    根据所述目标支付账户的支付标识，生成所述目标支付账户的付款条码；
    显示所述目标支付账户的付款条码，所述付款条码的条码信息由收款设备采集并发送至服务器，以通过服务器在所述目标支付账户中进行扣款操作。
  13. 根据权利要求12所述的装置，其特征在于，
    所述标识保存模块具体用于：将所述目标支付账户的支付标识保存在所述物联网设备的存储单元中；
    所述装置还包括：离线获取模块，用于在所述根据所述目标支付账户的支付标识，生成所述目标支付账户的付款条码之前，在所述物联网设备离线时，从所述存储单元中获取所述目标支付账户的支付标识。
  14. 一种设备支付装置，其特征在于，应用于移动终端，包括：
    请求获取模块，用于从物联网设备处获取账户绑定请求，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述账户绑定请求由所述物联网设备在接收到来自于服务器的表示允许开通支付功能的应答信息后传输，所述应答信息由服务器根据来自于所述物联网设备的支付功能开通请求发送；所述物联网设备和服务器之间通过窄带物联网NB-IoT通信方式通信；
    通知发送模块，用于根据所述账户绑定请求，向服务器发送绑定通知消息，所述绑定通知消息用于通知服务器将所述目标支付账户与所述物联网设备进行绑定。
  15. 根据权利要求14所述的装置，其特征在于，所述通知发送模块具体用于：
    根据所述账户绑定请求，生成账户绑定询问信息；所述账户绑定询问信息用于询问用户是否允许将所述目标支付账户与所述物联网设备进行绑定；
    若确定用户允许将所述目标支付账户与所述物联网设备进行绑定，则向服务器发送绑定通知消息。
  16. 根据权利要求15所述的装置，其特征在于，所述装置还包括：
    身份验证模块，用于在生成账户绑定询问信息之前，对用户进行身份验证；若确定用户身份验证通过，则生成账户绑定询问信息。
  17. 一种设备支付装置，其特征在于，应用于服务器，包括：
    请求接收模块，用于通过窄带物联网NB-IoT通信方式接收物联网设备发送的支付功能开通请求，根据所述支付功能开通请求通过所述NB-IoT通信方式向所述物联网设备返回应答信息，所述应答信息用于表示允许开通支付功能；
    账户绑定模块，用于接收移动终端发送的绑定通知消息，根据所述绑定通知消息，将所述移动终端中的目标支付账户与所述物联网设备进行绑定；所述绑定通知消息由所述移动终端根据从所述物联网设备处获取到的账户绑定请求发送，所述账户绑定请求用于请求将所述移动终端中的目标支付账户与所述物联网设备进行绑定；
    标识下发模块，用于通过所述NB-IoT通信方式向所述物联网设备下发所述目标支付账户的支付标识，所述目标支付账户的支付标识用于在所述目标支付账户中进行扣款操作。
  18. 根据权利要求17所述的装置，其特征在于，所述请求接收模块具体用于：
    从所述支付功能开通请求中提取所述物联网设备的设备特征信息；
    根据所述物联网设备的设备特征信息验证所述物联网设备是否为允许开通支付功能的设备；
    若是，则通过所述NB-IoT通信方式向所述物联网设备返回用于表示允许开通支付功能的应答信息。
  19. 根据权利要求17或18所述的装置，其特征在于，所述账户绑定模块具体用于：
    根据所述绑定通知消息，判断所述物联网设备对应的已绑定账户的数量是否大于第一数量阈值，以及判断所述目标支付账户对应的已绑定设备的数量是否大于第二数量阈值；
    若所述物联网设备对应的已绑定账户的数量不大于第一数量阈值，且，所述目标支付账户对应的已绑定设备的数量不大于第二数量阈值，则将所述目标支付账户与所述物联网设备进行绑定。
  20. 根据权利要求17或18所述的装置，其特征在于，所述装置还包括扣款模块，用于：
    接收收款设备发送的付款条码的条码信息；所述付款条码由所述物联网设备根据所述目标支付账户的支付标识生成；所述付款条码的条码信息由所述付款设备从所述物联网设备处采集；
    对所述付款条码的条码信息进行解析，得到所述目标支付账户的支付标识；
    根据所述目标支付账户的支付标识，在所述目标支付账户中进行扣款操作。
  21. 一种电子设备，其特征在于，包括：处理器；以及被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器实现上述权利要求1至3任一项所述的设备支付方法的步骤；或者，实现上述权利要求4至6任一项所述的设备支付方法的步骤；或者，实现上述权利要求7至10任一项所述的设备支付方法的步骤。
  22. 一种存储介质，用于存储计算机可执行指令，其特征在于，所述计算机可执行指令在被执行时实现上述权利要求1至3任一项所述的设备支付方法的步骤；或者，实现上述权利要求4至6任一项所述的设备支付方法的步骤；或者，实现上述权利要求7至10任一项所述的设备支付方法的步骤。
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