WO2020143467A1 - 一种支付方法和支付装置 - Google Patents

一种支付方法和支付装置 Download PDF

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Publication number
WO2020143467A1
WO2020143467A1 PCT/CN2019/128704 CN2019128704W WO2020143467A1 WO 2020143467 A1 WO2020143467 A1 WO 2020143467A1 CN 2019128704 W CN2019128704 W CN 2019128704W WO 2020143467 A1 WO2020143467 A1 WO 2020143467A1
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Prior art keywords
verification code
wireless network
payee
code
payment
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PCT/CN2019/128704
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English (en)
French (fr)
Inventor
宿伟光
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京东数字科技控股有限公司
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Publication of WO2020143467A1 publication Critical patent/WO2020143467A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the invention relates to the field of computers, in particular to a payment method and payment device.
  • Mobile payment refers to a business transaction that both parties to a transaction conduct through a terminal device for a certain item or business. It has the advantages of being able to pay anytime, anywhere, and safe and convenient payment.
  • mobile payment methods such as two-dimensional code payment, NFC (Near Field Communication) payment, sonic payment, etc.
  • Two-dimensional code payment can be refined for the payer to use the terminal device to scan the solid-state/dynamic two-dimensional code provided by the payee to realize the payment, and the payee uses the scanning device to scan the payer's two-dimensional code to realize the payment.
  • the QR code payment method requires the payer's terminal device to have a camera, and has certain requirements for clarity, and needs to have strong QR code recognition capabilities; the payee needs to provide a screen device that displays the QR code, High cost; there is the possibility of the QR code being copied or stolen;
  • the NFC payment method requires that both the payer and the payee's terminal equipment have hardware support, and the sonic payment method requires the payer and the payee's terminal equipment to have strong sonic recognition capabilities.
  • embodiments of the present invention provide a payment method and payment device.
  • the payer terminal device obtains the wireless network identification radiated by the payee terminal device by scanning the surrounding wireless signals, and the encoded information of the wireless network identification meets the predefined After coding rules and passing anti-counterfeit authentication, obtain the payee ID to complete the payment operation in combination with the payment amount.
  • This embodiment realizes the non-intuitive identification of the payer's terminal device, and ensures that the transaction information is not forged by the verification code, and safely and quickly realizes the consumption settlement between the payer and the payee.
  • a payment method is provided.
  • a payment method includes: collecting wireless signals within a scanning range, reading at least one wireless network identifier from the wireless signal; parsing the encoded information of the wireless network identifier to obtain decoded information, according to the The code identifier in the decoding information determines whether the wireless network identifier conforms to a predefined encoding rule, and if the wireless network identifier conforms to the encoding rule, a new verification code is generated using the verification code generation method indicated by the code identifier; Whether the new verification code is the same as the verification code of the wireless network identification, and if the new verification code is the same as the verification code of the wireless network identification, acquiring the payee identification from the decoding information to Make the payer complete the payment according to the payee identification and payment amount.
  • a payment device is provided.
  • a payment device includes: a collection and reading module for collecting wireless signals within a scanning range, reading at least one wireless network identifier from the wireless signals; and an analysis generation module for analyzing the The decoding information of the wireless network identifier is decoded, and whether the wireless network identifier meets the predefined encoding rule is determined according to the code identifier in the decoding information.
  • the code is used The verification code generation method indicated by the identifier generates a new verification code; a judgment payment module is used to determine whether the new verification code is the same as the verification code of the wireless network identification, and if the new verification code is verified by the wireless network identification If the codes are the same, the payee ID is obtained from the decoding information, so that the payer can complete the payment according to the payee ID and the payment amount.
  • an electronic device is provided.
  • An electronic device includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, Causing the one or more processors to implement a payment method according to an embodiment of the present invention.
  • a computer-readable medium is provided.
  • a computer-readable medium stores a computer program thereon, and when the program is executed by a processor, a payment method according to an embodiment of the present invention is implemented.
  • the payer terminal device obtains the wireless network identification radiated by the payee terminal device by scanning the surrounding wireless signals, and the encoded information of the wireless network identification conforms to the predefined encoding rules and After passing the anti-counterfeit authentication, the payee ID is obtained and the payment operation is completed in combination with the payment amount, which realizes the insensible identification of the payer's terminal equipment, and the verification code ensures that the transaction information is not forged, and the payer and receiver are safely and quickly realized Consumption settlement between payment parties; by encrypting the encoded information to generate a verification code for anti-counterfeiting, after obtaining the wireless network identification, a new verification code is generated according to the same verification code generation method, which is convenient for verifying whether the transaction information is forged; Generate a verification code for anti-counterfeiting through the current timestamp on the server side, and generate a new verification code according to the same verification code generation method after obtaining the wireless network identification, which
  • FIG. 1 is a schematic diagram of main steps of a payment method according to an embodiment of the present invention
  • FIG. 2 is a schematic flowchart of a main payment method according to Embodiment 1 of the present invention.
  • FIG. 3 is a main flow diagram of a payment method according to Embodiment 2 of the present invention.
  • FIG. 4 is a schematic diagram of main modules of a payment device according to an embodiment of the present invention.
  • FIG. 5 is an exemplary system architecture diagram to which embodiments of the present invention can be applied;
  • FIG. 6 is a schematic structural diagram of a computer device suitable for implementing an electronic device according to an embodiment of the present invention.
  • the payer terminal device needs to recognize the wireless network identification from the wireless signal, such as the WiFi signal or the Bluetooth signal during the payment process, and perform a coding rule checksum on the identified wireless network identification
  • the verification code is anti-counterfeit verification. If the verification is passed, the wireless network identification read by the payer terminal device is correct and reasonable. Subsequently, the payee information can be obtained according to the payee ID contained in the wireless network ID, and the subsequent payment process can be completed.
  • FIG. 1 is a schematic diagram of main steps of a payment method according to an embodiment of the present invention. As shown in FIG. 1, the payment method of the embodiment of the present invention mainly includes the following steps:
  • Step S101 Collect wireless signals within the scanning range, and read at least one wireless network identifier from the wireless signals.
  • the server encodes the original information including the code ID and the payee ID according to the predefined encoding rules, and then stitches the encoded information and the verification code for anti-counterfeiting to obtain the wireless network ID and sends it to the collection
  • the payee terminal equipment radiates the wireless network identification to the surroundings through a wireless signal.
  • the wireless signal may be a WiFi signal or a Bluetooth signal; the payer terminal equipment collects the surrounding wireless signals to read the wireless network identification.
  • the wireless network identifier can be used as a fixed code during the payment transaction, or as a dynamic code that is updated once after each payment transaction.
  • the payee cannot set the payment amount, which includes the code identifier and payee Identification, payment vendor code and verification code; if it is a dynamic code, the payee can set the payment amount, including code identification, payee identification, payment amount, payment vendor code and verification code.
  • the code identifier is used to indicate the specific information included in the original information, the order of each information in the wireless network identifier, the number of bits occupied by each information in the wireless network identifier, which encoding format to use for encoding, and which verification code generation method to use Generate a verification code, whether the wireless network is a fixed code or a dynamic code, etc.
  • Step S102 Analyze the encoding information of the wireless network identifier to obtain decoding information, and determine whether the wireless network identifier conforms to a predefined encoding rule according to the code identifier in the decoding information, if the wireless network identifier meets the encoding rule , A new verification code is generated using the verification code generation method indicated by the code identifier.
  • the payer terminal device splits all the read wireless network identifications to obtain two parts of information, the first part is the encoded information, the second part is the verification code, and the encoded information is decoded to obtain the decoded information (that is, the original information);
  • the code identifier in the information determines whether the current wireless network identifier meets the predefined encoding rule; when the current wireless network identifier conforms to the predefined encoding rule, a new verification code is generated using the verification code generation method indicated by the code identifier.
  • Step S103 determine whether the new verification code is the same as the verification code of the wireless network identification, and if the new verification code is the same as the verification code of the wireless network identification, obtain the payment from the decoding information Party identification, so that the payer can complete the payment based on the payee identification and payment amount.
  • the terminal device of the payer judges whether the generated verification code is the same as the verification code of the current wireless network identification. If the two verification codes are the same, it means that the wireless network identification has not been tampered with.
  • the payee identifier is obtained from the decoding information of the current wireless network identifier, and the corresponding payee information is obtained according to the payee identifier and displayed on the User interface; in the case where the two verification codes are the same and the code ID indicates that the wireless network ID is a dynamic code, obtain the payee ID and payment amount from the decoding information of the current wireless network ID, and obtain the corresponding payment according to the payee ID
  • the payment information is displayed on the user interface.
  • the payer can select the payee on the user interface based on the payee information and/or payment amount to complete the payment operation.
  • FIG. 2 is a schematic flowchart of a payment method according to Embodiment 1 of the present invention. As shown in FIG. 2, the payment method according to Embodiment 1 of the present invention mainly includes the following steps:
  • Step S201 The server encodes the original information according to a predefined encoding rule, and then uses an encryption algorithm to encrypt the obtained encoded information to obtain a verification code.
  • the original information includes code identification, payee identification and payment vendor code.
  • the original information is not limited to the above content, and can be increased or adjusted according to needs, for example, the name of the payee can also be included.
  • the encoding rules are used to set the encoding requirements for encoding the original information, and can be set according to their own needs. For example, the value and corresponding meaning of the code identifier can be set.
  • the code identifier may be a number, for example, 1 indicates that the original information includes the code identifier, the payee identifier, the payee name, the payment vendor code, and the verification code, and the order of the wireless network identifier is the code identifier and the payment.
  • Party ID, payee name, payment vendor code and verification code, the encoding format is UTF-8, the AES algorithm is used to encrypt the encoded information to generate a verification code, and the generated wireless network identification is a fixed code.
  • the verification code is used by the payer terminal device to verify whether the wireless network identification is safe and reliable and has not been forged, and is generally placed after the encoded information.
  • the payee ID is the unique identification code generated by the server for the payee, which can be a 62-ary abbreviated code.
  • the payment vendor is a transaction support platform used by the payment party to make payment settlement to the payee, such as a commercial bank, a third-party payment platform.
  • the number of digits occupied by the payee ID and the payee name in the wireless network ID can be defined by oneself, for example, the payee ID occupies 4 digits and the payee name occupies 6 digits.
  • the encoding format for example, can be ASCII (American Standard Code for Information Interchange), UTF-8 (8-bit Unicode Transformation Format, UTC), UTF-16 (map abstract code bits of the Unicode character set It is a sequence of 16-bit integers).
  • the encryption algorithm can also be set according to its own needs, such as AES (Advanced Encryption Standard, Advanced Encryption Standard), MD5 (Message Digest Algorithm MD5, 5th Generation Message Digest Algorithm), DES (Data Encryption Algorithm, Data Encryption Algorithm), etc. .
  • AES Advanced Encryption Standard, Advanced Encryption Standard
  • MD5 Message Digest Algorithm MD5, 5th Generation Message Digest Algorithm
  • DES Data Encryption Algorithm, Data Encryption Algorithm
  • one encryption algorithm or a combination of multiple encryption algorithms can be used to encrypt the encoded information.
  • the encoding rule may be UTF-8 encoding to obtain a byte array (byte[], ie, encoding information) in the order of code identification, payee identification, payee name, and payment vendor code.
  • byte[] ie, encoding information
  • the AES algorithm uses the AES algorithm to encrypt the byte array, and then use the MD5 algorithm to encrypt the aforementioned encryption result to obtain the MD5 value (that is, the verification code).
  • the byte array may also be subjected to bit operations (such as AND operation and non-operation) to obtain the verification code.
  • Step S202 The server assembles the encoded information and the verification code to obtain the wireless network identification, and sends the wireless network identification to the payee terminal device.
  • the wireless network identification contains a verification code, which can be verified by multiple algorithms to ensure that the information is not tampered with. Assuming that the code identifier of the wireless network identifier is 1, the payee identifier is represented by "AAAA”, the payee name is represented by "XXXXXX”, the payment vendor code is represented by "01”, and the verification code is represented by "sdsds", then the wireless network The identification can be: 1+AAAA+XXXXX+01+sdsds.
  • Step S203 The payee terminal device receives the wireless network identification, and transmits a wireless signal for radiating the wireless network identification to the surroundings.
  • the payee terminal device contains a WiFi module with adjustable power to adjust its radiation distance. Receive the wireless network identification from the server through the WiFi module and set it as the SSID (Service Set Identifier, service set identifier) of the WiFi module.
  • SSID is the name taken by the wireless network.
  • the WiFi module can achieve radiation at different distances of 5-100 meters, and supports USB connection to computers, Android phones, and other devices to facilitate setting the SSID of WiFi.
  • Step S204 The payer terminal device collects the wireless signal within the scanning range, and reads at least one wireless network identifier from the wireless signal.
  • the payer terminal device needs to have a WiFi function, and on the premise that the WiFi function module is turned on, the payer terminal device can retrieve the surrounding wireless signals.
  • the payer After opening the payment APP (Application) in the payer's terminal device, the payer obtains the wireless signal within the scanning range of the WiFi function module.
  • the wireless signal is WiFi list information, and reads each from the WiFi list information. SSID of WiFi.
  • Step S205 The payer terminal device analyzes the encoded information in the current wireless network identifier to obtain decoded information.
  • the payment APP of the payer terminal device decodes the SSID of the current WiFi in the WiFi list information to obtain the decoded information.
  • the initial value of the current wireless network identifier is the WiFi list information is the SSID of the first WiFi.
  • Step S206 The payer terminal device determines whether the current wireless network identifier conforms to the predefined encoding rule according to the code identifier in the decoding information. If the predefined encoding rule is met, step S207 is performed; if the predefined encoding rule is not met, then Go to step S210.
  • the payment APP of the payer's terminal device stores an encoding rule to determine whether the code identifier corresponding to the encoding rule is the same as the code identifier in the decoding information. If they are the same, it means that the current wireless network identifier conforms to the predefined encoding rule; if they are different, it means The current wireless network identifier does not comply with the predefined coding rule, and the current wireless network identifier is no longer processed.
  • Step S207 The payer terminal device uses the encryption algorithm corresponding to the code identifier to encrypt the encoded information to obtain a new verification code. Assuming that the code identifier in the decoded information is 1, the payment APP of the payer terminal device uses the AES algorithm to encrypt the coded information in the current wireless network identifier to obtain a new verification code.
  • Step S208 The payer terminal device judges whether the new verification code is the same as the verification code of the current wireless network identification. If they are the same, step S209 is performed; if they are different, step S210 is performed. Because the payment APP of the payer terminal device and the server have the same encoding rules and use the same encryption algorithm to encrypt the encoded information, if the new verification code is the same as the verification code of the current wireless network identification, then the current wireless network identification It is safe and reliable, not forged.
  • Step S209 The payer terminal device obtains the payee identification from the decoding information, so as to obtain corresponding payee information according to the payee identification. Assuming that the code identifier in the decoding information is 1, the 2-5th digits of the decoding information are the payee ID, then the payment APP of the payer's terminal device can obtain the 2-5 digits from the decoding information to obtain the payee Logo. Obtain the corresponding payee information from the database or locally according to the payee logo, such as the payee name, promotional information, logo (trademark), real-name authentication, etc. If the payee information is obtained from the database, the payer terminal device needs to be connected to the network, and then the corresponding payee information can be obtained by searching the database through the payee ID.
  • Step S210 The payer terminal device determines whether the next wireless network identifier is the last wireless network identifier in the read wireless network identifier, and if so, step S212 is performed; if not, step S211 is performed.
  • the payment APP of the payer's terminal device determines whether the current WiFi SSID is the last WiFi SSID in the WiFi list information. If it is, it can display the obtained payee information according to step S212; if it is not, it can be accessed from the WiFi The SSID of one WiFi is not selected repeatedly in the list information as the SSID of the next WiFi.
  • Step S211 The payer terminal device uses the next wireless network identifier as the current wireless network identifier, and executes step S205.
  • the payment APP of the payer terminal device uses the SSID of the next WiFi as the SSID of the current WiFi, and repeatedly executes step S205.
  • Step S212 The payer terminal device displays the obtained payee information in the user interface.
  • the payment APP of the payer's terminal device will show all the payee information obtained to the payer through the user interface.
  • Step S213 The payer selects the payee on the user interface of the payer client according to the displayed payee information and sets the payment amount to complete the payment.
  • the payer selects the payee of the purchased item according to the payee information, sets the payment amount in the user interface, and completes the subsequent payment operation.
  • the wireless network identifier generated in the first embodiment is a fixed code, and no matter how many transactions are made between the payee and the payer, the fixed code will not change.
  • the fixed code is radiated to the surroundings through WiFi, and the payer terminal device can retrieve the fixed code, realizing non-inductive recognition, solving the problem of high recognition difficulty caused by recognizing the two-dimensional code in the prior art, and improving the recognition speed , High accuracy, also provides a mutual authentication mechanism, good security, while reducing the requirements for terminal equipment.
  • Embodiment 2 provides a payment method that supports the payee to dynamically set the payment amount. In this method, a single transaction between the payee and the payer generates a new wireless network identification, which can be used for secret-free payment.
  • the specific implementation is as follows.
  • FIG. 3 is a schematic flowchart of a payment method according to Embodiment 2 of the present invention. As shown in FIG. 3, the payment method according to Embodiment 2 of the present invention mainly includes the following steps:
  • Step S301 The server encodes the original information according to a predefined encoding rule, and obtains the current time stamp to generate a verification code.
  • the original information includes code identification, payee identification, payment amount and payment vendor code.
  • the original information is not limited to the above content, and can be increased or adjusted according to needs, for example, the name of the payee can be included.
  • the encoding rules are used to set the encoding requirements for encoding the original information, and can be set according to their own needs. For example, the value and corresponding meaning of the code identifier can be set.
  • the code identifier is used to indicate the specific information included in the original information, the order of each information in the wireless network identifier, the number of bits occupied by each information in the wireless network identifier, which encoding format to use for encoding, and which verification code generation method to use Generate a verification code, whether the generated wireless network identifier is a fixed code or a dynamic code, etc.
  • the code identifier may be a number. For example, 2 indicates that the original information includes the code identifier, the payee identifier, the payment amount, the payee name, the payment vendor code, and the verification code.
  • the order of the wireless network identifier is the code identifier. 1. Payee ID, payment amount, payee name, payment vendor code and verification code, the encoding format is UTF-8, the encryption algorithm is MD5 algorithm, and the generated wireless network ID is a dynamic code.
  • the payment amount is set by the payee through the payee terminal device and sent to the server.
  • the number of digits occupied by the payment amount in the wireless network identification can be defined by oneself, for example, occupying 10 digits, and the maximum value is 1000000000 and the minimum value is 0000000.01.
  • the verification code is used by the payer terminal device to verify whether the wireless network identification is safe and reliable and has not been forged.
  • There are many ways to generate a verification code For example, you can use the current timestamp of the server as the verification code directly; you can also stitch the encoded information and the current timestamp as the verification code; you can also splice the encoded information and the current timestamp and encrypt it as the verification code. Wait.
  • Step S302 The server assembles the encoded information and the verification code to obtain the wireless network identification, and sends the wireless network identification to the payee terminal device.
  • the verification code is generally placed after the encoded information.
  • the code identifier of the wireless network identifier is 2, the payee identifier is represented by "AAAA”, the payment amount is represented by "DDDDDDDDDD”, the payee name is represented by "XXXXX”, the payment vendor code is represented by "01”, and the verification code is "Sdsds" indicates that the wireless network identifier may be: 2+AAAA+DDDDDDDD+XXXXX+01+sdsds.
  • Step S303 The payee terminal device receives the wireless network identification, and transmits a wireless signal for radiating the wireless network identification to the surroundings. This step is the same as the specific implementation of step S203.
  • Step S304 The payer terminal device collects the wireless signal within the scanning range, and reads at least one wireless network identifier from the wireless signal. This step is the same as the specific implementation of step S204.
  • Step S305 The payer terminal device analyzes the encoded information in the current wireless network identifier to obtain decoded information. This step is the same as the specific implementation of step S205.
  • Step S306 The payer terminal device determines whether the current wireless network identifier conforms to the predefined encoding rule according to the code identifier in the decoding information. If the predefined encoding rule is met, step S307 is performed; if the predefined encoding rule is not met, then Go to step S310. This step is the same as the specific implementation of step S206.
  • Step S307 The payer terminal device generates a new verification code using the verification code generation method indicated by the code identifier.
  • the payment APP of the payer terminal device receives the current time stamp from the server, and processes the current time stamp according to the verification code generation method indicated by the code identifier to generate a new verification code.
  • the verification code of the wireless network identification is the current timestamp of the server, the current timestamp of the server is used as the new verification code; if the verification code of the wireless network identification is obtained by concatenating the encoded information and the current timestamp, the wireless network identification is encoded The information and the current timestamp of the server are spliced to obtain a new verification code; if the verification code of the wireless network identification is obtained by encrypting the encoded information and the current timestamp, then the encoded information of the wireless network identification is spliced with the current timestamp of the server, Then use the same encryption algorithm to get a new verification code.
  • Step S308 The payer terminal device judges whether the new verification code is the same as the verification code of the current wireless network identification. If they are the same, step S308 is executed; if they are different, step S310 is executed. Because the payment APP of the payer terminal device and the server have the same encoding rules and use the same verification code generation method to generate the verification code, if the new verification code is the same as the verification code of the current wireless network identification, it means that the current wireless network identification It is safe and reliable, not forged.
  • Step S309 The payer terminal device obtains the payee identification and the payment amount from the decoding information, so as to obtain corresponding payee information according to the payee identification. Assuming that the code identifier in the decoding information is 2, the 2nd to 5th digits of the decoding information are the payee ID, and the 6th to 15th digits are the payment amount, then the payment APP of the payer's terminal device can obtain the 2nd from the decoding information. You can get the payee ID with 5 digits, and get the 6-15 digits from the decoding information to get the payment amount.
  • Step S310 the payer terminal device determines whether the next wireless network identifier is the last wireless network identifier in the read wireless network identifier, and if so, proceeds to step S312; if not, proceeds to step S311. This step is the same as the specific implementation of step S210.
  • Step S311 The payer terminal device uses the next wireless network identifier as the current wireless network identifier, and executes step S305. This step is the same as the specific implementation of step S211.
  • Step S312 The payer terminal device displays the obtained payee information and payment amount in the user interface.
  • the payment APP of the payer's terminal device will display all the information of the payee and the corresponding payment amount to the payer through the user interface.
  • Step S313 The payer selects the payee on the user interface of the payer client according to the displayed payee information and/or payment amount to complete the payment.
  • the payer selects the payee of the purchased item according to the payee information and the payment amount, or one of the two, and completes the subsequent payment operation in the user interface.
  • the payer needs to actively confirm the transaction to avoid the loophole of passive secret-free payment.
  • the payment APP of the payer's terminal device may return the wireless network identification corresponding to the payee to the server.
  • the server performs a security check on the wireless network identification to improve the risk management capability and ensure the security of the transaction. After the security check is passed, the subsequent payment link is completed.
  • the security check here includes checking whether the format of the check code in the wireless network identification is correct, whether the generation time has expired, and whether the geographic location corresponding to the payment matches.
  • the payer terminal device obtains the wireless network identification radiated by the payee terminal device by scanning the surrounding wireless signals, and the encoding information in the wireless network identification conforms to the predefined encoding rules and passes anti-counterfeiting
  • the payee ID is obtained and the payment operation is completed in combination with the payment amount, which realizes the insensible identification of the payer's terminal equipment, and the verification code ensures that the transaction information is not forged, and the payer and payee are realized safely and quickly Consumption settlement between;
  • the payer can get the payee information before the payment action, and the identification method is in front;
  • the wireless network identification includes a verification code, which can be used for multiple verification to ensure that the information is not forged.
  • the payment device 400 of the embodiment of the present invention mainly includes:
  • the collection and reading module 401 is configured to collect wireless signals within the scanning range, and read at least one wireless network identifier from the wireless signals.
  • the server encodes the original information including the code ID and the payee ID according to the predefined encoding rules, and then stitches the encoded information and the verification code for anti-counterfeiting to obtain the wireless network ID and sends it to the collection
  • the payee terminal equipment radiates the wireless network identification to the surroundings through a wireless signal.
  • the wireless signal may be a WiFi signal or a Bluetooth signal; the payer terminal equipment collects the surrounding wireless signals to read the wireless network identification.
  • the wireless network identifier can be used as a fixed code during the payment transaction, or as a dynamic code that is updated once after each payment transaction.
  • the payee cannot set the payment amount, which includes the code identifier and payee Identification, payment vendor code and verification code; if it is a dynamic code, the payee can set the payment amount, including code identification, payee identification, payment amount, payment vendor code and verification code.
  • the code identifier is used to indicate the specific information included in the original information, the order of each information in the wireless network identifier, the number of bits occupied by each information in the wireless network identifier, which encoding format to use for encoding, and which verification code generation method to use Generate a verification code, whether the wireless network is a fixed code or a dynamic code, etc.
  • the parsing and generating module 402 is configured to parse the encoded information of the wireless network identifier to obtain decoding information, and determine whether the wireless network identifier conforms to a predefined encoding rule according to the code identifier in the decoded information. If the wireless network identifier conforms to For the coding rule, a verification code generation method indicated by the code identification is used to generate a new verification code.
  • the payer terminal device splits all the read wireless network identifications to obtain two parts of information, the first part is the encoded information, the second part is the verification code, and the encoded information is decoded to obtain the decoded information (that is, the original information);
  • the code identifier in the information determines whether the current wireless network identifier meets the predefined encoding rule; when the current wireless network identifier conforms to the predefined encoding rule, a new verification code is generated using the verification code generation method indicated by the code identifier.
  • the judgment payment module 403 is used to judge whether the new verification code is the same as the verification code of the wireless network identification, and if the new verification code is the same as the verification code of the wireless network identification, obtain from the decoding information The payee identification, so that the payer can complete the payment according to the payee identification and the payment amount.
  • the terminal device of the payer judges whether the generated verification code is the same as the verification code of the current wireless network identification. If the two verification codes are the same, it means that the wireless network identification has not been tampered with.
  • the payee identifier is obtained from the decoding information of the current wireless network identifier, and the corresponding payee information is obtained according to the payee identifier and displayed on the User interface; in the case where the two verification codes are the same and the code ID indicates that the wireless network ID is a dynamic code, obtain the payee ID and payment amount from the decoding information of the current wireless network ID, and obtain the corresponding payment according to the payee ID
  • the payment information is displayed on the user interface.
  • the payer can select the payee on the user interface based on the payee information and/or payment amount to complete the payment operation.
  • the payment device 400 may further include: an acquisition module (not shown in FIG. 4), which is used to: if the new verification code is the same as the verification code of the wireless network identification Obtain the payment amount in the decoding information.
  • an acquisition module not shown in FIG. 4
  • the payer terminal device obtains the wireless network identification radiated by the payee terminal device by scanning the surrounding wireless signals. After the encoding information of the wireless network identification meets the pre-defined encoding rules and passes the anti-counterfeit authentication, the receiver The identification of the payer and the payment amount complete the payment operation, which realizes the insensible identification of the payer's terminal device, and the verification code ensures that the transaction information is not forged, and the payment settlement between the payer and the payee is safely and quickly realized .
  • FIG. 5 shows an exemplary system architecture 500 to which the payment method or payment device of the embodiment of the present invention can be applied.
  • the system architecture 500 may include terminal devices 501, 502, and 503, a network 504, and a server 505.
  • the network 504 is a medium used to provide a communication link between the terminal devices 501, 502, 503 and the server 505.
  • the network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, and so on.
  • the user can use the terminal devices 501, 502, and 503 to interact with the server 505 through the network 504 to receive or send messages, and so on.
  • Various communication client applications such as payment applications, can be installed on the terminal devices 501, 502, and 503.
  • the terminal devices 501, 502, and 503 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and so on.
  • the server 505 may be a server that provides various services, such as a back-end management server that provides support for users to use terminal devices 501, 502, and 503 for payment.
  • the background management server may encode the original information, splice the encoded information with the verification code, and so on, and feed back the processing result (for example, wireless network identification) to the terminal device.
  • the payment method provided by the embodiments of the present application is generally executed by the terminal devices 501, 502, and 503, and accordingly, the payment device is generally provided in the terminal devices 501, 502, and 503.
  • terminal devices, networks, and servers in FIG. 5 are only schematic. According to the implementation needs, there can be any number of terminal devices, networks and servers.
  • the present invention also provides an electronic device and a computer-readable medium.
  • the electronic device of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, so that the one or more Multiple processors implement a payment method according to an embodiment of the present invention.
  • the computer-readable medium of the present invention stores a computer program thereon, and when the program is executed by a processor, a payment method according to an embodiment of the present invention is implemented.
  • FIG. 6 shows a schematic structural diagram of a computer system 600 suitable for implementing an electronic device according to an embodiment of the present invention.
  • the electronic device shown in FIG. 6 is only an example, and should not bring any limitation to the functions and use scope of the embodiments of the present invention.
  • the computer system 600 includes a central processing unit (CPU) 601 that can be loaded into a random access memory (RAM) 603 from a program stored in a read-only memory (ROM) 602 or from a storage section 608 Instead, perform various appropriate actions and processing.
  • RAM random access memory
  • ROM read-only memory
  • RAM storage section 608
  • various programs and data necessary for the operation of the computer system 600 are also stored.
  • the CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604.
  • An input/output (I/O) interface 605 is also connected to the bus 604.
  • the following components are connected to the I/O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 608 including a hard disk, etc. ; And a communication section 609 including a network interface card such as a LAN card, a modem, etc.
  • the communication section 609 performs communication processing via a network such as the Internet.
  • the driver 610 is also connected to the I/O interface 605 as needed.
  • a removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is installed on the drive 610 as necessary, so that the computer program read out therefrom is installed into the storage section 608 as needed.
  • the process described in the main step diagram above may be implemented as a computer software program.
  • embodiments of the present disclosure include a computer program product including a computer program carried on a computer-readable medium, the computer program containing program code for performing the method shown in the main step diagram.
  • the computer program may be downloaded and installed from the network through the communication section 609, and/or installed from the removable medium 611.
  • CPU central processing unit
  • the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two.
  • the computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the foregoing.
  • the computer-readable storage medium may be any tangible medium containing or storing a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device.
  • the computer-readable signal medium may include a data signal that is propagated in baseband or as part of a carrier wave, in which computer-readable program code is carried. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • the computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, and the computer-readable medium may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. .
  • the program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the foregoing.
  • each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, and the above-mentioned module, program segment, or part of code contains one or more for implementing a specified logical function Executable instructions.
  • the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession can actually be executed in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved.
  • each block in the block diagram or flowchart, and a combination of blocks in the block diagram or flowchart can be implemented with a dedicated hardware-based system that performs prescribed functions or operations, or can be used It is realized by a combination of dedicated hardware and computer instructions.
  • the modules described in the embodiments of the present invention may be implemented in software or hardware.
  • the described module can also be set in the processor.
  • a processor includes an acquisition reading module, an analysis generation module, and a judgment payment module.
  • the names of these modules do not constitute a limitation on the module itself.
  • the acquisition and reading module can also be described as "acquiring wireless signals within the scanning range, and reading at least from the wireless signals A module for wireless network identification".
  • the present invention also provides a computer-readable medium.
  • the computer-readable medium may be included in the device described in the foregoing embodiments; or it may exist alone without being assembled into the device.
  • the computer-readable medium carries one or more programs.
  • the device includes: collecting wireless signals within a scanning range, and reading at least one from the wireless signals Wireless network identification; analyzing the encoding information of the wireless network identification to obtain decoding information, judging whether the wireless network identification conforms to a predefined encoding rule according to the code identification in the decoding information, if the wireless network identification conforms to the encoding Rules, use the verification code generation method indicated by the code identification to generate a new verification code; determine whether the new verification code is the same as the verification code of the wireless network identification, if the new verification code is the same as the verification code of the wireless network identification If the verification codes are the same, the payee ID is obtained from the decoding information, so that the payer can complete the payment according to the payee ID and the
  • the payer terminal device obtains the wireless network identification radiated by the payee terminal device by scanning the surrounding wireless signals. After the encoding information of the wireless network identification meets the pre-defined encoding rules and passes the anti-counterfeit authentication, the receiver The identification of the payer and the payment amount complete the payment operation, which realizes the insensible identification of the payer's terminal device, and the verification code ensures that the transaction information is not forged, and the payment settlement between the payer and the payee is safely and quickly realized .
  • the above product can execute the method provided by the embodiment of the present invention, and has corresponding function modules and beneficial effects for executing the method.
  • the above product can execute the method provided by the embodiment of the present invention, and has corresponding function modules and beneficial effects for executing the method.

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Abstract

一种支付方法和支付装置，该方法包括：采集扫描范围内的无线信号，从无线信号中读取至少一个无线网络标识（S101）；解析无线网络标识的编码信息得到解码信息，根据解码信息中的码标识判断无线网络标识是否符合编码规则，若无线网络标识符合编码规则，则使用码标识指示的验证码生成方式生成新验证码（S102）；判断新验证码与无线网络标识的验证码是否相同，若新验证码与无线网络标识的验证码相同，则从解码信息中获取收款方标识，以使付款方根据收款方标识和支付金额完成支付（S103），该方法实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现了付款方和收款方之间的消费结算。

Description

一种支付方法和支付装置 技术领域
本发明涉及计算机领域，尤其涉及一种支付方法和支付装置。
背景技术
随着移动互联网技术的兴起、IT技术的快速发展，以及电子商务的快速推进，促进了移动支付的发展。移动支付是指交易双方为了某种物品或者业务通过终端设备进行的商业交易，具有能够随时随地支付、安全便捷的支付等优势。现有的移动支付方式有多种，比如利用二维码支付、NFC(Near Field Communication，近场通信)支付、声波支付等。二维码支付又可以细化为付款方使用终端设备扫描收款方提供的固态/动态二维码以实现支付，收款方使用扫码设备扫描付款方的二维码以实现支付。
在实现本发明过程中，发明人发现现有技术中至少存在如下问题：
(1)二维码支付方式需要付款方的终端设备具有摄像头，并对清晰度有一定要求，且需要具备较强的二维码识别能力；收款方需要提供展示二维码的屏幕设备，成本高；存在二维码被复制、盗刷的可能；
(2)NFC支付方式需要付款方和收款方的终端设备均存在硬件支持，声波支付方式需要付款方和收款方的终端设备具备较强的声波识别能力。
发明内容
有鉴于此，本发明实施例提供一种支付方法和支付装置，付款方终端设备通过扫描周围无线信号获取到收款方终端设备辐射的无线网络标识，在无线网络标识的编码信息符合预定义的编码规则且通过防伪认证后，获取收款方标识以结合支付金额完成支付操作。该实施例实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现了付款方和收款方之间的消费结算。
为实现上述目的，根据本发明实施例的一个方面，提供了一种支付方法。
本发明实施例的一种支付方法，包括：采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识；解析所述无线网络标识的编码信息得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码；判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。
为实现上述目的，根据本发明实施例的另一方面，提供了一种支付装置。
本发明实施例的一种支付装置，包括：采集读取模块，用于采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识；解析生成模块，用于解析所述无线网络标识的编码信息得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码；判断支付模块，用于判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。
为实现上述目的，根据本发明实施例的再一方面，提供了一种电子设备。
本发明实施例的一种电子设备，包括：一个或多个处理器；存储装置，用于存储一个或多个程序，当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现本发明实施例的一种支付方法。
为实现上述目的，根据本发明实施例的再一方面，提供了一种计算机可读介质。
本发明实施例的一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本发明实施例的一种支付方法。
上述发明中的一个实施例具有如下优点或有益效果：付款方终端设备通过扫描周围无线信号获取到收款方终端设备辐射的无线网络标识，在无线网络标识的编码信息符合预定义的编码规则且通过防伪认证后，获取收款方标识并结合支付金额完成支付操作，实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现了付款方和收款方之间的消费结算；通过对编码信息加密生成用于防伪的验证码，在获取到无线网络标识后按照相同的验证码生成方式生成新验证码，方便验证交易信息是否是被伪造的；通过服务端的当前时间戳生成用于防伪的验证码，在获取到无线网络标识后按照相同的验证码生成方式生成新验证码，方便验证交易信息是否是被伪造的；在无线网络标识中包含支付金额，使得收款方可以自行设定付款方要支付的金额，保证了一次交易生成一个无线网络标识，安全可靠；通过WiFi信号或者蓝牙信号实现移动支付，降低了识别难度和设备成本息，且在付款方在进行支付动作之前就可以获知收款方信息。
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。
附图说明
附图用于更好地理解本发明，不构成对本发明的不当限定。其中：
图1是根据本发明实施例的支付方法的主要步骤的示意图；
图2是根据本发明实施例一的支付方法的主要流程示意图；
图3是根据本发明实施例二的支付方法的主要流程示意图；
图4是根据本发明实施例的支付装置的主要模块的示意图；
图5是本发明实施例可以应用于其中的示例性系统架构图；
图6是适用于来实现本发明实施例的电子设备的计算机装置的结构示意图。
具体实施方式
以下结合附图对本发明的示范性实施例做出说明，其中包括本发明实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做出各种改变和修改，而不会背离本发明的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。
本发明实施例相比背景技术中的支付方式，支付过程中付款方终端设备需从无线信号，比如WiFi信号或者蓝牙信号中识别无线网络标识，对识别出的无线网络标识进行编码规则校验和验证码防伪校验，校验通过即可说明付款方终端设备读取的无线网络标识是正确合理的。后续即可按照无线网络标识中包含的收款方标识获取收款方信息，完成后续支付过程。
图1是根据本发明实施例的支付方法的主要步骤的示意图。如图1所示，本发明实施例的支付方法，主要包括如下步骤：
步骤S101：采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识。服务端按照预定义的编码规则将包括码标识和收款方标识的原始信息进行编码得到的编码信息，之后将编码信息 和用于防伪的验证码进行拼接得到无线网络标识，并发送至收款方终端设备；收款方终端设备通过无线信号向周围辐射无线网络标识，无线信号可以是WiFi信号，也可以是蓝牙信号；付款方终端设备采集周围的无线信号以读取无线网络标识。该无线网络标识可以作为支付交易过程中的固定码，也可以作为每次支付交易后更新一次的动态码，若为固定码，则收款方无法设置支付金额，其包括码标识、收款方标识、支付厂商编码和验证码；若为动态码，收款方可自行设置支付金额，其包括码标识、收款方标识、支付金额、支付厂商编码和验证码。码标识用于指示原始信息包括的具体信息、各信息在无线网络标识的先后顺序、每个信息在无线网络标识中占用的位数、使用哪种编码格式进行编码、使用哪种验证码生成方式生成验证码、无线网络标识为固定码还是动态码等。
步骤S102：解析所述无线网络标识的编码信息得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码。付款方终端设备对读取的全部无线网络标识进行拆分得到两部分信息，第一部分为编码信息，第二部分为验证码，对编码信息进行解码得到解码信息(即原始信息)；之后根据解码信息中的码标识判断当前无线网络标识是否符合预定义的编码规则；在当前无线网络标识符合预定义的编码规则的情况下，使用码标识指示的验证码生成方式生成一个新验证码。
步骤S103：判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。付款方终端设备判断生成的验证码与当前无线网络标识的验证码是否相同，若两个验证码相同，则说明无线网络标识未被篡改伪造。在两个验证码相同且码标识指示无线网络标识为固定码的情况下，从当前无线网络标识的解码信息中获取收款方标识，根 据收款方标识获取对应的收款方信息并展示在用户界面；在两个验证码相同且码标识指示无线网络标识为动态码的情况下，从当前无线网络标识的解码信息中获取收款方标识和支付金额，根据收款方标识获取对应的收款方信息并展示在用户界面。付款方即可根据收款方信息和/支付金额在用户界面上选择收款方，完成支付操作。
图2是根据本发明实施例一的支付方法的主要流程示意图。如图2所示，本发明实施例一的支付方法，主要包括如下步骤：
步骤S201：服务端按照预定义的编码规则对原始信息进行编码，之后使用加密算法对得到的编码信息进行加密得到验证码。其中，原始信息包括码标识、收款方标识和支付厂商编码。但原始信息并不限于上述内容，可以根据需求增加或者调整，比如还可以包括收款方名称。编码规则用于设定对原始信息进行编码的编码要求，可以根据自身需求设定，比如可以设定码标识的取值以及对应含义。
实施例中，码标识可以为数字，比如用1表示原始信息包括码标识、收款方标识、收款方名称、支付厂商编码和验证码，在无线网络标识的顺序依次为码标识、收款方标识、收款方名称、支付厂商编码和验证码，编码格式为UTF-8，使用AES算法对编码信息加密生成验证码，生成的无线网络标识为固定码。验证码用于付款方终端设备校验无线网络标识是否安全可靠、未被伪造，一般放置在编码信息之后。收款方标识是服务端为收款方生成的唯一身份识别码，可以为62进制缩码。支付厂商是付款方向收款方进行支付结算时所使用的交易支持平台，该交易支持平台比如商业银行、第三方支付平台。收款方标识和收款方名称在无线网络标识中占用的位数可自行定义，比如收款方标识占用4位、收款方名称占用6位。
编码格式，比如可以是ASCII(American Standard Code for Information Interchange，美国信息交换标准代码)、UTF-8(8-bit Unicode Transformation Format，万国码)、UTF-16(把Unicode字符集的抽象 码位映射为16位长的整数的序列)等。
加密算法也可以根据自身需求设定，比如可以是AES(Advanced Encryption Standard，高级加密标准)、MD5(Message Digest Algorithm MD5，第5代消息摘要算法)、DES(Data Encryption Algorithm，数据加密算法)等。实际应用中，可以使用一种加密算法或者多种加密算法的组合对编码信息进行加密。
需要注意的是，编码规则的具体内容可以通过协议约定，且服务端和终端设备(包括收款方终端设备和付款方终端设备)均需遵守。实施例中，编码规则可以为按照码标识、收款方标识、收款方名称和支付厂商编码的顺序，进行UTF-8编码得到字节数组(byte[]，即编码信息)。使用AES算法对字节数组进行加密，之后再使用MD5算法对前述加密结果进行加密得到MD5值(即验证码)。在另一优选的实施例中，还可以对字节数组进行位运算(比如与运算、非运算)得到验证码。
步骤S202：服务端将编码信息和验证码进行拼接得到无线网络标识，将无线网络标识发送至收款方终端设备。该无线网络标识中包含验证码，可进行多重算法验证，保证信息不被篡改伪造。假设无线网络标识的码标识为1，收款方标识用“AAAA”表示，收款方名称用“XXXXXX”表示，支付厂商编码用“01”表示，验证码用“sdsds”表示，则无线网络标识可以为：1+AAAA+XXXXXX+01+sdsds。
步骤S203：收款方终端设备接收无线网络标识，并发射用于向周围辐射无线网络标识的无线信号。收款方终端设备中包含功率可调的WiFi模块，以调整其辐射距离。通过WiFi模块接收来自服务端的无线网络标识，并将其设置为WiFi模块的SSID(Service Set Identifier，服务集标识)。SSID即为无线网络所取的名称。实施例中，WiFi模块可以实现5-100米不同距离辐射，且支持USB连接计算机、安卓手机等 设备，方便设置WiFi的SSID。
步骤S204：付款方终端设备采集扫描范围内的无线信号，从无线信号中读取至少一个无线网络标识。付款方终端设备需具备WiFi功能，在WiFi功能模块已打开的前提下，付款方终端设备可以检索到周围存在的无线信号。付款方打开付款方终端设备中的支付APP(Application，应用程序)后，获取WiFi功能模块扫描范围内的无线信号，实施例中该无线信号为WiFi列表信息，从WiFi列表信息中读取每个WiFi的SSID。
步骤S205：付款方终端设备解析当前无线网络标识中的编码信息得到解码信息。付款方终端设备的支付APP对WiFi列表信息中的当前WiFi的SSID进行解码得到解码信息。其中，当前无线网络标识的初始值为WiFi列表信息为第一个WiFi的SSID。
步骤S206：付款方终端设备根据解码信息中的码标识判断当前无线网络标识是否符合预定义的编码规则，如果符合预定义的编码规则，则执行步骤S207；如果不符合预定义的编码规则，则执行步骤S210。付款方终端设备的支付APP中存储有编码规则，判断该编码规则对应的码标识与解码信息中码标识是否相同，如果相同，说明该当前无线网络标识符合预定义的编码规则；如果不同，说明该当前无线网络标识不符合预定义的编码规则，不再对该当前无线网络标识进行处理。
步骤S207：付款方终端设备使用与码标识相对应的加密算法对编码信息进行加密得到新验证码。假设解码信息中的码标识为1，则付款方终端设备的支付APP使用AES算法对当前无线网络标识中的编码信息进行加密，得到新验证码。
步骤S208：付款方终端设备判断新验证码与当前无线网络标识的验证码是否相同，如果相同，则执行步骤S209；如果不同，则执行步 骤S210。由于付款方终端设备的支付APP与服务端的编码规则相同，且使用相同的加密算法对编码信息进行加密，因此，如果新验证码与当前无线网络标识的验证码相同，则说明该当前无线网络标识是安全可靠的，并非被伪造的。
步骤S209：付款方终端设备从解码信息中获取收款方标识，以按照收款方标识获取对应的收款方信息。假设解码信息中的码标识为1，则解码信息的第2-5位为收款方标识，则付款方终端设备的支付APP可以从解码信息获取第2-5位数字即可得到收款方标识。根据收款方标识从数据库或者本地获取对应的收款方信息，比如收款方名称、促销信息、logo(商标)、是否实名认证等。若从数据库中获取收款方信息，付款方终端设备需要联网，之后通过收款方标识检索数据库即可获取对应的收款方信息。
步骤S210：付款方终端设备判断下一个无线网络标识是否为读取的无线网络标识中的最后一个无线网络标识，如果是，则执行步骤S212；如果不是，则执行步骤S211。付款方终端设备的支付APP判断当前WiFi的SSID是否为WiFi列表信息中的最后一个WiFi的SSID，如果是，则可按照步骤S212将获取的收款方信息进行展示；如果不是，则可以从WiFi列表信息中不重复的选择一个WiFi的SSID作为下一个WiFi的SSID。
步骤S211：付款方终端设备将下一个无线网络标识作为当前无线网络标识，执行步骤S205。付款方终端设备的支付APP将下一个WiFi的SSID作为当前WiFi的SSID，重复执行步骤S205。
步骤S212：付款方终端设备在用户界面中展示获取的收款方信息。付款方终端设备的支付APP将获取的所有收款方信息通过用户界面向付款方展示。
步骤S213：付款方根据展示的收款方信息，在付款方客户端的用户界面上选择收款方并设置支付金额，以完成支付。付款方根据收款方信息选择其所购买物品的收款方，在用户界面中设置支付金额，完成后续支付操作。
实施例一中生成的无线网络标识是一个固定码，无论收款方和付款方之间进行多少次交易，该固定码均不会改变。将固定码通过WiFi辐射到周围，付款方终端设备就可以检索到该固定码，实现了无感识别，解决了现有技术中由于识别二维码造成的识别难度高的问题，提高了识别速度、准确性高，还提供了相互验证的机制、安全性好，同时降低了对终端设备的要求。但是实施例一中仅支持付款方设置支付金额，不支持收款方动态设置支付金额。实施例二中提供一种支持收款方动态设置支付金额的支付方式，该方式中收款方和付款方之间进行一次交易就会生成一个新的无线网络标识，可直接进行免密支付，具体实现如下。
图3是根据本发明实施例二的支付方法的主要流程示意图。如图3所示，本发明实施例二的支付方法，主要包括如下步骤：
步骤S301：服务端按照预定义的编码规则对原始信息进行编码，并获取当前时间戳以生成验证码。其中，原始信息包括码标识、收款方标识、支付金额和支付厂商编码。但原始信息并不限于上述内容，可以根据需求增加或者调整，比如还可以包括收款方名称。编码规则用于设定对原始信息进行编码的编码要求，可以根据自身需求设定，比如可以设定码标识的取值以及对应含义等。
码标识用于指示原始信息包括的具体信息、各信息在无线网络标识的先后顺序、每个信息在无线网络标识中占用的位数、使用哪种编码格式进行编码、使用哪种验证码生成方式生成验证码，生成的无线网络标识为固定码还是动态码等。实施例中，码标识可以为数字，比如用2表示原始信息包括码标识、收款方标识、支付金额、收款方名 称、支付厂商编码和验证码，在无线网络标识的顺序依次为码标识、收款方标识、支付金额、收款方名称、支付厂商编码和验证码，编码格式为UTF-8，加密算法为MD5算法，生成的无线网络标识为动态码。
支付金额是由收款方通过收款方终端设备设置并发送至服务端的。支付金额在无线网络标识中占用的位数可自行定义，比如占用10位，且最大值为1000000000，最小值为0000000.01。
验证码用于付款方终端设备校验无线网络标识是否安全可靠、未被伪造。验证码生成方式有多种，比如可以将服务端的当前时间戳直接作为验证码；也可以将编码信息和当前时间戳拼接作为验证码；还可以将编码信息与当前时间戳拼接后加密作为验证码等。
步骤S302：服务端将编码信息和验证码进行拼接得到无线网络标识，将无线网络标识发送至收款方终端设备。验证码一般放置在编码信息之后。假设无线网络标识的码标识为2，收款方标识用“AAAA”表示，支付金额用“DDDDDDDDDD”表示，收款方名称用“XXXXXX”表示，支付厂商编码用“01”表示，验证码用“sdsds”表示，则无线网络标识可以为：2+AAAA+DDDDDDDDDD+XXXXXX+01+sdsds。
步骤S303：收款方终端设备接收无线网络标识，并发射用于向周围辐射无线网络标识的无线信号。该步骤与步骤S203的具体实现相同。
步骤S304：付款方终端设备采集扫描范围内的无线信号，从无线信号中读取至少一个无线网络标识。该步骤与步骤S204的具体实现相同。
步骤S305：付款方终端设备解析当前无线网络标识中的编码信息得到解码信息。该步骤与步骤S205的具体实现相同。
步骤S306：付款方终端设备根据解码信息中的码标识判断当前无线网络标识是否符合预定义的编码规则，如果符合预定义的编码规则，则执行步骤S307；如果不符合预定义的编码规则，则执行步骤S310。该步骤与步骤S206的具体实现相同。
步骤S307：付款方终端设备使用码标识指示的验证码生成方式生成新验证码。付款方终端设备的支付APP接收来自服务端的当前时间戳，并按照码标识指示的验证码生成方式对当前时间戳进行处理生成新验证码。若无线网络标识的验证码是服务端的当前时间戳，则将服务端的当前时间戳作为新验证码；若无线网络标识的验证码是编码信息和当前时间戳拼接得到，则将无线网络标识的编码信息与服务端的当前时间戳进行拼接得到新验证码；若无线网络标识的验证码是编码信息和当前时间戳拼接后加密得到，则将无线网络标识的编码信息与服务端的当前时间戳进行拼接，之后使用相同的加密算法得到新验证码。
步骤S308：付款方终端设备判断新验证码与当前无线网络标识的验证码是否相同，如果相同，则执行步骤S308；如果不同，则执行步骤S310。由于付款方终端设备的支付APP与服务端的编码规则相同，且使用相同的验证码生成方式生成验证码，因此，如果新验证码与当前无线网络标识的验证码相同，则说明该当前无线网络标识是安全可靠的，并非被伪造的。
步骤S309：付款方终端设备从解码信息中获取收款方标识和支付金额，以按照收款方标识获取对应的收款方信息。假设解码信息中的码标识为2，则解码信息的第2-5位为收款方标识，第6-15位为支付金额，则付款方终端设备的支付APP可以从解码信息获取第2-5位数字即可得到收款方标识，从解码信息获取第6-15位数字即可得到支付金额。
步骤S310：付款方终端设备判断下一个无线网络标识是否为读取的无线网络标识中的最后一个无线网络标识，如果是，则执行步骤S312；如果不是，则执行步骤S311。该步骤与步骤S210的具体实现相同。
步骤S311：付款方终端设备将下一个无线网络标识作为当前无线网络标识，执行步骤S305。该步骤与步骤S211的具体实现相同。
步骤S312：付款方终端设备在用户界面中展示获取的收款方信息和支付金额。付款方终端设备的支付APP将获取的所有收款方信息和对应的支付金额通过用户界面向付款方展示。
步骤S313：付款方根据展示的收款方信息和/或支付金额，在付款方客户端的用户界面上选择收款方，以完成支付。付款方根据收款方信息和支付金额，或者两者中的其中一个选择其所购买物品的收款方，在用户界面中完成后续支付操作。该实施例中，付款方需要主动确认交易，避免被动免密支付的漏洞。
在一优选的实施例中，如果付款方选择支付，则付款方终端设备的支付APP可以将收款方对应的无线网络标识回传至服务端。服务端对无线网络标识进行安全校验，以提高风险管理能力，保证该交易安全，在安全校验通过后完成后续的支付环节。此处的安全校验比如校验无线网络标识中校验码的格式是否正确、生成时间是否超时，校验支付对应的地理位置是否相符等。
通过本发明实施例的支付方法可以看出，付款方终端设备通过扫描周围无线信号获取到收款方终端设备辐射的无线网络标识，在无线网络标识的编码信息符合预定义的编码规则且通过防伪认证后，获取收款方标识并结合支付金额完成支付操作，实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现 了付款方和收款方之间的消费结算；在付款方在进行支付动作之前就可以获知收款方信息，识别方式前置；无线网络标识中包括验证码，可进行多重验证，保证信息不被伪造。
图4是根据本发明实施例的支付装置的主要模块的示意图。如图4所示，本发明实施例的支付装置400，主要包括：
采集读取模块401，用于采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识。服务端按照预定义的编码规则将包括码标识和收款方标识的原始信息进行编码得到的编码信息，之后将编码信息和用于防伪的验证码进行拼接得到无线网络标识，并发送至收款方终端设备；收款方终端设备通过无线信号向周围辐射无线网络标识，无线信号可以是WiFi信号，也可以是蓝牙信号；付款方终端设备采集周围的无线信号以读取无线网络标识。该无线网络标识可以作为支付交易过程中的固定码，也可以作为每次支付交易后更新一次的动态码，若为固定码，则收款方无法设置支付金额，其包括码标识、收款方标识、支付厂商编码和验证码；若为动态码，收款方可自行设置支付金额，其包括码标识、收款方标识、支付金额、支付厂商编码和验证码。码标识用于指示原始信息包括的具体信息、各信息在无线网络标识的先后顺序、每个信息在无线网络标识中占用的位数、使用哪种编码格式进行编码、使用哪种验证码生成方式生成验证码、无线网络标识为固定码还是动态码等。
解析生成模块402，用于解析所述无线网络标识的编码信息得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码。付款方终端设备对读取的全部无线网络标识进行拆分得到两部分信息，第一部分为编码信息，第二部分为验证码，对编码信息进行解码得到解码信息(即原始信息)；之后根据解码信息中的码标识判断当前无线网络标识是否符合预定义的编码规则；在当前无线网络标识符合预定义的编码规 则的情况下，使用码标识指示的验证码生成方式生成一个新验证码。
判断支付模块403，用于判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。付款方终端设备判断生成的验证码与当前无线网络标识的验证码是否相同，若两个验证码相同，则说明无线网络标识未被篡改伪造。在两个验证码相同且码标识指示无线网络标识为固定码的情况下，从当前无线网络标识的解码信息中获取收款方标识，根据收款方标识获取对应的收款方信息并展示在用户界面；在两个验证码相同且码标识指示无线网络标识为动态码的情况下，从当前无线网络标识的解码信息中获取收款方标识和支付金额，根据收款方标识获取对应的收款方信息并展示在用户界面。付款方即可根据收款方信息和/支付金额在用户界面上选择收款方，完成支付操作。
另外，本发明实施例的支付装置400还可以包括：获取模块(图4中未示出)，该模块用于若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述支付金额。
从以上描述可以看出，付款方终端设备通过扫描周围无线信号获取到收款方终端设备辐射的无线网络标识，在无线网络标识的编码信息符合预定义的编码规则且通过防伪认证后，获取收款方标识并结合支付金额完成支付操作，实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现了付款方和收款方之间的消费结算。
图5示出了可以应用本发明实施例的支付方法或支付装置的示例性系统架构500。
如图5所示，系统架构500可以包括终端设备501、502、503，网 络504和服务器505。网络504用以在终端设备501、502、503和服务器505之间提供通信链路的介质。网络504可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
用户可以使用终端设备501、502、503通过网络504与服务器505交互，以接收或发送消息等。终端设备501、502、503上可以安装有各种通讯客户端应用，例如支付类应用等。
终端设备501、502、503可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、膝上型便携计算机和台式计算机等等。
服务器505可以是提供各种服务的服务器，例如对用户利用终端设备501、502、503进行支付提供支持的后台管理服务器。后台管理服务器可以对原始信息进行编码，对编码信息与验证码进行拼接等处理，并将处理结果(例如无线网络标识)反馈给终端设备。
需要说明的是，本申请实施例所提供的支付方法一般由终端设备501、502、503执行，相应地，支付装置一般设置于终端设备501、502、503中。
应该理解，图5中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。
根据本发明的实施例，本发明还提供了一种电子设备和一种计算机可读介质。
本发明的电子设备包括：一个或多个处理器；存储装置，用于存储一个或多个程序，当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现本发明实施例的一种支付方法。
本发明的计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本发明实施例的一种支付方法。
下面参考图6，其示出了适用于来实现本发明实施例的电子设备的计算机系统600的结构示意图。图6示出的电子设备仅仅是一个示例，不应对本发明实施例的功能和使用范围带来任何限制。
如图6所示，计算机系统600包括中央处理单元(CPU)601，其可以根据存储在只读存储器(ROM)602中的程序或者从存储部分608加载到随机访问存储器(RAM)603中的程序而执行各种适当的动作和处理。在RAM 603中，还存储有计算机系统600操作所需的各种程序和数据。CPU 601、ROM 602以及RAM 603通过总线604彼此相连。输入/输出(I/O)接口605也连接至总线604。
以下部件连接至I/O接口605：包括键盘、鼠标等的输入部分606；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的输出部分607；包括硬盘等的存储部分608；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分609。通信部分609经由诸如因特网的网络执行通信处理。驱动器610也根据需要连接至I/O接口605。可拆卸介质611，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器610上，以便于从其上读出的计算机程序根据需要被安装入存储部分608。
特别地，根据本发明公开的实施例，上文主要步骤图描述的过程可以被实现为计算机软件程序。例如，本公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行主要步骤图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分609从网络上被下载和安装，和/或从可拆卸介质611被安装。在该计算机程序被中央处理单元(CPU) 601执行时，执行本发明的系统中限定的上述功能。
需要说明的是，本发明所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本发明中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本发明中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本发明各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的 是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本发明实施例中所涉及到的模块可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中，例如，可以描述为：一种处理器包括采集读取模块、解析生成模块和判断支付模块。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，采集读取模块还可以被描述为“采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识的模块”。
作为另一方面，本发明还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备包括：采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识；解析所述无线网络标识的编码信息得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码；判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。
从以上描述可以看出，付款方终端设备通过扫描周围无线信号获取到收款方终端设备辐射的无线网络标识，在无线网络标识的编码信息符合预定义的编码规则且通过防伪认证后，获取收款方标识并结合支付金额完成支付操作，实现了付款方终端设备的无感识别，且通过验证码保证了交易信息不被伪造，安全快速的实现了付款方和收款方之间的消费结算。
上述产品可执行本发明实施例所提供的方法，具备执行方法相应的功能模块和有益效果。未在本实施例中详尽描述的技术细节，可参见本发明实施例所提供的方法。
上述具体实施方式，并不构成对本发明保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本发明的精神和原则之内所作的修改、等同替换和改进等，均应包含在本发明保护范围之内。

Claims (15)

  1. 一种支付方法，所述方法包括：
    采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识；
    解析所述无线网络标识得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码；
    判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。
  2. 根据权利要求1所述的方法，其中，所述无线网络标识是服务端按照所述编码规则，将包括所述码标识和所述收款方标识的原始信息进行编码，之后将得到的编码信息和用于防伪的验证码进行拼接得到的。
  3. 根据权利要求2所述的方法，其中，所述验证码是所述服务端使用所述码标识指示的加密算法，对所述编码信息进行加密后得到的；
    使用所述码标识指示的验证码生成方式生成新验证码，包括：使用所述码标识指示的加密算法，对所述无线网络标识的编码信息进行加密得到新验证码。
  4. 根据权利要求3所述的方法，其中，所述付款方根据所述收款方标识和支付金额完成支付的步骤包括：
    付款方根据与所述收款方标识相对应的收款方信息在用户界面上选择收款方，设置支付金额，以完成支付。
  5. 根据权利要求2所述的方法，其中，所述验证码是所述服务端按照下述任意一种方式生成的：将所述服务端的当前时间戳作为所述验证码；拼接所述编码信息和所述当前时间戳作为所述验证码；将所述编码信息与所述当前时间戳拼接后加密作为所述验证码；
    使用所述码标识指示的验证码生成方式生成新验证码，包括：
    若所述无线网络标识的验证码是所述服务端的当前时间戳，则将所述服务端的当前时间戳作为新验证码；
    若所述无线网络标识的验证码是所述编码信息和所述当前时间戳拼接得到，则将所述无线网络标识的编码信息与服务端的当前时间戳进行拼接得到所述新验证码；
    若所述无线网络标识的验证码是所述编码信息和所述当前时间戳拼接后加密得到，则将所述无线网络标识的编码信息与服务端的当前时间戳进行拼接，之后使用相同的加密算法得到所述新验证码。
  6. 根据权利要求5所述的方法，其中，所述原始信息包括支付金额；所述方法还包括：
    若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述支付金额；
    所述付款方根据所述收款方标识和支付金额完成支付，包括：
    所述付款方根据与所述收款方标识相对应的收款方信息和/或所述支付金额，在用户界面上选择收款方，以完成支付。
  7. 根据权利要求1至6的任一项所述的方法，其中，所述无线信号为WiFi信号或者蓝牙信号。
  8. 一种支付装置，所述支付装置包括：
    采集读取模块，用于采集扫描范围内的无线信号，从所述无线信号中读取至少一个无线网络标识；
    解析生成模块，用于解析所述无线网络标识得到解码信息，根据所述解码信息中的码标识判断所述无线网络标识是否符合预定义的编 码规则，若所述无线网络标识符合所述编码规则，则使用所述码标识指示的验证码生成方式生成新验证码；
    判断支付模块，用于判断所述新验证码与所述无线网络标识的验证码是否相同，若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述收款方标识，以使付款方根据所述收款方标识和支付金额完成支付。
  9. 根据权利要求8所述的装置，其中，所述无线网络标识是服务端按照预定义的编码规则，将包括所述码标识和所述收款方标识的原始信息进行编码，之后将得到的编码信息和用于防伪的验证码进行拼接得到的。
  10. 根据权利要求9所述的装置，其中，所述验证码是所述服务端使用所述码标识指示的加密算法，对所述编码信息进行加密后得到的；
    所述解析生成模块，还用于：使用所述码标识指示的加密算法，对所述无线网络标识的编码信息进行加密得到新验证码。
  11. 根据权利要求10所述的装置，其中，所述判断支付模块，还用于：
    付款方根据与所述收款方标识相对应的收款方信息在用户界面上选择收款方，设置支付金额，以完成支付。
  12. 根据权利要求9所述的装置，其中，所述验证码是所述服务端按照下述任意一种方式生成的：将所述服务端的当前时间戳作为所述验证码；拼接所述编码信息和所述当前时间戳作为所述验证码；将所述编码信息与所述当前时间戳拼接后加密作为所述验证码；
    所述解析生成模块，还用于：
    若所述无线网络标识的验证码是所述服务端的当前时间戳，则将所述服务端的当前时间戳作为新验证码；
    若所述无线网络标识的验证码是所述编码信息和所述当前时间戳 拼接得到，则将所述无线网络标识的编码信息与服务端的当前时间戳进行拼接得到所述新验证码；以及
    若所述无线网络标识的验证码是所述编码信息和所述当前时间戳拼接后加密得到，则将所述无线网络标识的编码信息与服务端的当前时间戳进行拼接，之后使用相同的加密算法得到所述新验证码。
  13. 根据权利要求12所述的装置，其中，所述原始信息包括支付金额；所述装置还包括：
    获取模块，用于若所述新验证码与所述无线网络标识的验证码相同，则从所述解码信息中获取所述支付金额；
    所述判断支付模块，还用于：所述付款方根据与所述收款方标识相对应的收款方信息和/或所述支付金额，在用户界面上选择收款方，以完成支付。
  14. 一种电子设备，所述电子设备包括：
    一个或多个处理器；
    存储装置，用于存储一个或多个程序，
    当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现如权利要求1-7中任一所述的方法。
  15. 一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现如权利要求1-7中任一所述的方法。
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