WO2020156154A1

WO2020156154A1 - Payment information processing method and apparatus, mobile terminal, and system

Info

Publication number: WO2020156154A1
Application number: PCT/CN2020/072072
Authority: WO
Inventors: 黄亮; 方攀
Original assignee: Oppo广东移动通信有限公司
Priority date: 2019-02-01
Filing date: 2020-01-14
Publication date: 2020-08-06
Also published as: CN109919597A; CN109919597B

Abstract

The present application relates to the technical field of payments, and disclosed are a payment information processing method and apparatus, an electronic device, and a storage medium. The method comprises: a mobile terminal determines whether a first broadcast message satisfying a target data format is monitored; if so, obtain a payment account to which the mobile terminal is bound; and broadcast the payment account by means of a second broadcast message to instruct a payment machine that has received the second broadcast message to send the payment account and a device identifier of the payment machine to a server for binding, so that the server performs payment verification on whether biological feature information obtained from the payment machine matches the payment account. The payment security is improved.

Description

Payment information processing method, device, mobile terminal and system

This application claims the priority of the Chinese patent application with application number 201910105401.6 filed on February 01, 2019, and the entire content of which is hereby incorporated by reference.

Technical field

This application relates to the field of electronic payment technology, and more specifically, to a payment information processing method, device, mobile terminal and system.

Background technique

In the current society, payment is a high-frequency, high-density, and high-volume behavior. In order to simplify the time spent by users in the payment process, a variety of electronic payment methods that do not rely on cash payments have emerged. However, these payment methods have certain security risks.

Summary of the invention

In view of the above problems, this application proposes a payment information processing method, device, mobile terminal and system to improve the above problems.

In the first aspect, an embodiment of the present application provides a payment information processing method, which is applied to a mobile terminal, and the method includes: determining whether a first broadcast message meeting a target data format is monitored; if it is monitored, acquiring the mobile terminal Bind payment account; broadcast the payment account via a second broadcast message to instruct the payment device that received the second broadcast message to send the payment account and the device identification of the payment device to the server for binding It is used for the server to verify whether the biometric information obtained from the payment device matches the payment account.

In the second aspect, an embodiment of the present application provides a payment information processing method, which is applied to a payment device, and the method includes: when a second broadcast message broadcast by a mobile terminal is monitored, obtaining the mobile terminal binding from the second broadcast message. Obtain the device identification of the payment device; send the payment account and the device identification to the server to instruct the server to bind the payment account and the device identification to the slave The biometric information obtained by the payment machine is verified for payment whether it matches the payment account.

In a third aspect, the embodiments of the present application provide a payment information processing method, which is applied to a payment information processing system. The system includes a mobile terminal, a payment machine and a server. The mobile terminal and the payment machine are respectively connected to the server Wireless connection, the method includes: the payment device sends a first broadcast message meeting the target data format at a preset frequency; when the mobile terminal monitors the first broadcast message meeting the target data format, acquiring the mobile terminal binding Set the payment account number and broadcast the payment account through the second broadcast message; when the payment device monitors the second broadcast message broadcast by the mobile terminal, obtain the payment account bound to the mobile terminal from the second broadcast message , And obtain the device identification of the payment device, and send the payment account and the device identification to a server; the server binds the payment account and the device identification for payment verification.

In a fourth aspect, an embodiment of the present application provides a payment information processing device applied to a mobile terminal. The device includes: a monitoring module for determining whether a first broadcast message that meets the target data format is monitored; an account acquisition module, It is used to obtain the payment account bound to the mobile terminal if it is monitored; the broadcasting module is used to broadcast the payment account through a second broadcast message to instruct the payment device that has received the second broadcast message to The payment account number and the device identification of the payment device are sent to the server for binding, and the server performs payment verification on whether the biometric information obtained from the payment device matches the payment account number.

In a fifth aspect, an embodiment of the present application provides a payment information processing device, which is applied to a payment device, and the device includes: an account extraction module, which is used to monitor a second broadcast message broadcast by a mobile terminal from the second broadcast The payment account bound to the mobile terminal is obtained in the message; the identity obtaining module can be used to obtain the device identification of the payment device; the sending module is used to send the payment account and the device identification to the server to instruct the server to The payment account and the device identification are bound to verify whether the biometric information obtained from the payment device matches the payment account.

In a sixth aspect, an embodiment of the present application provides an electronic device, including a memory and a processor, the memory is coupled to the processor, the memory stores instructions, and when the instructions are executed by the processor, The processor executes the aforementioned method applied to a mobile terminal, or the processor executes the aforementioned method applied to a payment machine.

In a seventh aspect, an embodiment of the present application provides a computer-readable storage medium. The computer-readable storage medium stores program code, and the program code can be invoked by a processor to execute the above-mentioned method applied to a mobile terminal , Or execute the above method applied to payment equipment.

Description of the drawings

In order to more clearly describe the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings that need to be used in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

Fig. 1 shows a schematic diagram of interaction of a payment information processing system provided by an embodiment of the present application.

Fig. 2 shows a usage scenario diagram of the payment information processing system provided by an embodiment of the present application.

Fig. 3 shows a flowchart of a payment information processing method provided by an embodiment of the present application.

Fig. 4 shows a flowchart of a payment information processing method provided by another embodiment of the present application.

Fig. 5 shows a flowchart of a payment information processing method provided by another embodiment of the present application.

Fig. 6 shows a sequence state diagram of the payment information processing method provided by an embodiment of the present application.

Fig. 7 shows a flowchart of a payment information processing method provided by still another embodiment of the present application.

Fig. 8 shows a flow chart of a payment information processing method provided by another embodiment of the present application.

Fig. 9 shows a functional module diagram of a payment information processing device provided by an embodiment of the present application.

Fig. 10 shows a functional module diagram of a payment information processing device provided by another embodiment of the present application.

Fig. 11 shows a structural block diagram of an electronic device provided by an embodiment of the present application.

Fig. 12 is a storage medium for storing or carrying program codes for implementing the payment information processing method according to the embodiment of the present application.

detailed description

In order to enable those skilled in the art to better understand the solutions of the present application, the technical solutions in the embodiments of the present application will be described clearly and completely in conjunction with the drawings in the embodiments of the present application.

With the development of Internet technology, electronic payments that do not need to rely on cash have become more and more popular payment methods. Generally, in electronic payment, the user needs to take out the electronic product used for payment to perform the payment operation, such as taking out the mobile phone and calling up the payment QR code to scan, taking out the mobile phone to enter the scanning interface to scan the store receiving QR code, taking Give the bank card to the cashier to swipe the card through the credit card machine. In these electronic payment processes, users need to take out electronic products for payment and perform corresponding operations, and the entire payment process is relatively time-consuming.

In order to increase the payment speed and shorten the payment time, payment can be made through the user's biometric information, such as the user's face, fingerprint, palmprint, and iris, which can uniquely identify the user's identity. When paying, the user can directly provide the corresponding biometric information in the biometric collection device provided by the merchant. For example, when paying by face, the user provides the face in front of the face collection device for the face collection device to collect, and the user does not need additional information Take out the mobile phone and other payment devices, the payment speed is faster and the operation is simpler.

However, there are certain security risks when paying through biometric information. On the one hand, although biometric information can uniquely identify a user’s identity, there is also a very small chance of identification errors, such as identifying one user’s biometric information as another user’s biometric information; on the other hand, criminals may pass The simulation imitates the biometric information of other users and impersonates other users for payment.

According to the characteristics of the user’s use of the mobile terminal and the characteristics of offline shopping, the inventor found that if it is determined that the user enters the vicinity of the payment device, and the user receives the biometric information provided by the payment device for deduction, it can be further determined The identity feature information provided for the user himself, thereby further ensuring the security of payment. Therefore, the inventor carefully studied the payment process through the user's biometric information.

The inventor found that in the case of payment via biometric information, the biometric information usually corresponds to a payment account. When the user's biometric information is obtained, the payment account corresponding to the biometric information is matched, and the payment account is deducted from the matched payment account. The payment account matched by the biometric information may be a payment account bound in the mobile terminal, such as an account of a certain payment application in the mobile terminal. When shopping offline, users usually carry a mobile terminal bound with a payment account. Therefore, in the case where it is determined that the mobile terminal bound with the payment account is located near the payment machine, the receiving user makes the payment through the payment machine, which can further ensure the security of the payment.

Therefore, the inventor proposes the payment information processing method, device, mobile terminal, and system provided by the embodiments of the present application, which broadcast a broadcast message carrying its own device identification through the payment device, and the mobile terminal located near the payment device can receive the broadcast news. The mobile terminal that receives the broadcast message can obtain the payment account bound to the payment application installed by itself, and broadcast the payment account. The payment device that receives the mobile terminal broadcast message sends the payment account in the broadcast message and its own device identification to the server for binding, thereby binding the payment account of the user near the payment device to the payment device. When a user uses biometric information to make a payment through a payment device, the server can verify whether the payment account corresponding to the biometric information is bound to the payment device, so as to verify whether the mobile terminal corresponding to the payment account is near the payment device, and the payment account corresponds to Whether the user is in the vicinity of the payment machine is verified, double verification, and the security of payment is improved.

The payment information processing method, device and mobile terminal can be used in the payment information processing system 100 shown in FIG. 1. 1, the payment information processing system includes a mobile terminal 110, a payment machine 120, and a server 130. The mobile terminal 110 and the payment machine 120 are respectively connected to the server 130 via a network. Wherein, the payment device 120 and the server 130 may be a wired or wireless connection, and the mobile terminal 110 and the server 130 may be a wireless connection, such as a 2G, 3G, 4G or other mobile network data connection or a wifi connection , Or as shown in FIG. 1 through the base station 140 and the gateway 150 to connect to the server, or through the hotspot 160 to connect to the server.

The mobile terminal 110 may be a mobile phone, a tablet computer, or other smart devices that can perform mobile electronic payments, and a payment account pre-bound by the user is stored in the mobile terminal. The payment device 120 can be a smart device that has a function of collecting money and can broadcast messages, such as a cash register in a supermarket. It can be used to collect the user’s biometric information and transmit it to the server 130, and the server 130 is used to receive The biometric information completes the payment operation. In the payment information processing system, the payment device 120 can continuously send broadcast messages. When the mobile terminal 110 is located near the payment device 120 and enters the radiation range of the payment device broadcast message, it can receive the broadcast message sent by the payment device . The mobile terminal 110 may also send broadcast messages, and payment devices located within the radiation range of the mobile terminal 110 broadcast messages may receive the broadcast messages sent by the mobile terminal 110.

Specifically, during the operation of the system, the payment device 120 may send a broadcast message in a set wireless communication mode, where the dotted circle 121 around the payment device 120 in FIG. 1 represents the coverage of the broadcast message sent by the payment device. Optionally, the wireless communication mode includes a Bluetooth BLE mode or a Wi-Fi Aware mode. Correspondingly, the mobile terminal 110 can search for nearby wireless signals in a set wireless communication mode, so that when the mobile terminal 110 enters the range of the dashed circle 121 shown in FIG. 1, it can receive the broadcast sent by the payment device 120 news.

The mobile terminal 110 may also send broadcast messages in a set wireless communication mode, where the dotted circle 111 around the mobile terminal 110 in FIG. 1 represents the coverage of the broadcast message sent by the mobile terminal 110. Optionally, the wireless communication mode includes a Bluetooth BLE mode or a Wi-Fi Aware mode. Correspondingly, the payment device 120 can search for nearby wireless signals in a set wireless communication mode, so that when the payment device 120 is within the range of the dashed circle 111 shown in FIG. 1, it can receive the broadcast message sent by the mobile terminal 110 . In addition, if the mobile terminal 110 can receive the broadcast message of the payment device 120, correspondingly, the payment device 120 may also receive the broadcast message of the mobile terminal 110.

As a way, after the mobile terminal 110 can receive the broadcast message sent by the payment device 120, the mobile terminal 110 can establish a wireless connection with the payment device 120 based on the currently adopted wireless communication mode, and then after the wireless connection is established, the mobile terminal 110 may send the payment account number bound to the payment machine 120, and the payment machine 120 obtains the payment account number sent by the mobile terminal. As another way, in order to reduce the power consumption of the mobile terminal 110, the mobile terminal may broadcast a broadcast message carrying its bound payment account after receiving the broadcast message sent by the payment device 120, so that the payment device can obtain The payment account bound in the mobile terminal.

Optionally, after the payment device 120 obtains the payment account bound to the mobile terminal 110, it may send the obtained payment account and its own stored device identification to the server 130. When the server 130 receives the device identification and the payment account number sent by the payment device 120, it binds the device identification and the payment account to indicate that the user of the payment account is near the payment device to which the device identification belongs. Furthermore, when the payment device 120 sends the collected biometric information to the server 130 during the payment process, the server 130 can complete the process after verifying that the payment account corresponding to the biometric information is bound to the device ID of the payment device. Payment operation of the payment account.

As shown in Figure 2, because the mobile terminal 110 broadcasts the broadcast message carrying the payment account when receiving the broadcast message sent by the payment device, the payment device 120 can obtain the mobile terminal through the broadcast message sent by the mobile terminal 110 110 to bind the payment account, the payment account of the mobile terminal 110 and the device identification of the payment device 120 are sent to the server for binding, so that the user does not need to operate the mobile terminal (for example, the mobile terminal in Figure 2 can always be placed in the trouser pocket Here), the binding operation of the payment account and the device identification of the payment device 120 on the server can be completed. In the payment process, the user only needs to collect the biometric information at the payment machine 120, and the payment machine 120 can send the collected biometric information to the server 130 to complete the payment. There is no need for the user to operate the mobile terminal. During the process, users do not need to manually perform payment operations.

Based on the system and system operation process introduced above, the payment information processing method, device, mobile terminal, and system provided in the embodiments of the present application will be described in detail below through specific embodiments.

Fig. 3 shows a payment information processing method provided by an embodiment of the present application, and the method is applied to a mobile terminal. Specifically, as shown in FIG. 3, the method may include:

Step S110: Determine whether the first broadcast message that meets the target data format is monitored.

The mobile terminal can monitor broadcast messages sent by other devices. When the mobile terminal enters the radiation range of the payment device that sends the broadcast message, it can monitor the broadcast message sent by the payment device. In the embodiment of the present application, the broadcast message sent by the payment device is defined as the first broadcast message.

Specifically, the first broadcast message sent by the payment device may be a broadcast message that meets the target data format, so when the mobile terminal monitors a broadcast message that meets the target data format, it can be determined that the first broadcast message of the payment device is monitored.

Step S120: If it is monitored, obtain the payment account bound to the mobile terminal.

When the first broadcast message that meets the target data format is monitored, the mobile terminal can obtain the bound payment account. The payment account may be a payment account bound to a payment application in the mobile terminal, which is the account of the payment account. If the payment account is debited, the payment account corresponding to the payment account can be deducted.

Step S130: Broadcast the payment account through a second broadcast message to instruct the payment machine receiving the second broadcast message to send the payment account and the device identification of the payment machine to the server for binding, The server performs payment verification on whether the biometric information obtained from the payment device matches the payment account.

The mobile terminal broadcasts the payment account through a broadcast message, that is, the mobile terminal broadcasts a broadcast message carrying the payment account. In the embodiment of the present application, the broadcast message broadcast by the mobile terminal is defined as the second broadcast message.

The mobile terminal broadcasts the payment account through the second broadcast message, so that the payment device can receive the second broadcast message broadcast by the mobile terminal. The mobile terminal can obtain the payment account bound to the mobile terminal from the second broadcast message, and send the payment account together with its own device identification to the server. The server may bind the payment account and the device identifier, which means that the mobile terminal corresponding to the payment account is within the broadcast radiation range of the payment device corresponding to the device identifier, and it means that the mobile terminal is not far away from the payment device. When the payment verification for the payment account is performed through the biometric information obtained from the payment device, it can be more certain that the biometric information is provided to the user corresponding to the payment account, which improves the security of payment.

The embodiment of the application also provides a payment information processing method, which is applied to a payment machine. Specifically, as shown in Figure 4, the payment information processing method includes:

Step S210: When the second broadcast message broadcast by the mobile terminal is monitored, the payment account bound to the mobile terminal is obtained from the second broadcast message.

The mobile terminal broadcasts the second broadcast message, and payment devices within the radiation range of the mobile terminal broadcast message can receive the broadcast message sent by the mobile terminal. The second broadcast message includes the payment account number bound to the mobile terminal, and the payment device can obtain the payment account number from the second broadcast message.

Step S220: Obtain the device identification of the payment machine.

In addition, when the second broadcast message broadcast by the mobile terminal is monitored, the payment device obtains its own device identification, which can uniquely indicate the identity of the payment device.

Step S230: Send the payment account number and the device identification to the server to instruct the server to bind the payment account number and the device identification for matching the biometric information obtained from the payment device. The payment verification of the payment account.

The payment device sends its own device identification and the payment account number obtained from the second broadcast message to the server, so that the server binds the payment account and the device identification received from the payment device. When the payment machine receives the biometric information input, it sends the biometric information and its own device ID to the server. The server can verify whether the biometric information corresponding to the same device ID and the payment account match. If so, it can determine whether the payment machine sends Biometric information can be used for payment deductions to improve payment security.

The embodiment of the application also provides a payment information processing method, which is applied to a payment information processing system. Specifically, as shown in Figures 5 and 6, the payment information processing method includes:

Step S310: The payment machine sends a first broadcast message meeting the target data format according to a preset frequency.

The payment device may continuously send out the first broadcast message, so that the mobile terminal that enters the radiation range of the payment device's broadcast message can receive the first broadcast message and respond. The broadcast message sent by the payment device is inconsistent according to the power level and the current environment, which will affect the receiving range. Generally, when the mobile terminal enters a range of 5 to 10 meters from the payment device, it will receive the first broadcast message sent by the payment device.

Wherein, the payment device may send the first broadcast message at a preset frequency. The specific value of the preset frequency is not limited in the embodiment of the present application, and any mobile terminal that enters the radiation range of the payment device can quickly respond as should.

In the embodiment of the present application, the payment device may send a low-power connectionless broadcast message, such as a beacon signal sent through Bluetooth Low Energy (BLE) communication. The broadcast format of the beacon signal may be iBeacon, AltBeacon or EddyStone, etc.; such as broadcast messages sent through WiFi Aware.

In addition, the payment device may send a broadcast message that meets the target data format, so that the mobile terminal can correctly recognize the first broadcast message. The target data format may be that the data in the preset byte in the first broadcast message is designated data. The designated data may be preset data that is known to both the payment machine and the mobile terminal, so that when the designated data is recognized, it can be determined that the broadcast message meets the target data format. For example, the designated data is data representing the identity of a legal payment application, and when it is recognized that the data in the preset byte in the broadcast message is data of the identity of the legal payment application, it is determined that the broadcast message meets the target data format. For another example, the designated data is an arbitrary data arrangement, but the data arrangement is commonly known by the payment machine and the mobile terminal.

As an implementation manner, the preset byte may be a certain byte segment in the broadcast message, which is preset and known to the payment device and the mobile terminal. For example, the sent beacon signal contains 31 bytes of data, and one or more designated bytes of the UUID data in the beacon signal are set to be used as a preset byte, and the designated data is stored in the preset byte, which is directly stored in the preset byte. The specified data can be obtained by setting the byte.

As another implementation manner, the position of the preset byte may be stored in a preset byte that is known to the payment machine and the mobile terminal. For example, for payment devices and mobile terminals, it is known that the a byte in the first broadcast message stores the byte of the specified data, and if the data stored in the a byte in the first broadcast message is b, you can start from a The byte obtains the data b, and then the specified data is obtained from the b byte of the first broadcast message. For another example, the sent beacon signal contains 31 bytes of data. The UUID data in the beacon signal is set to include Data data and Mask data. The Data data can include the device identification of the machine, the manufacturer information of the machine, and the payment application corresponding to the machine. For example, Data data can be "0324616C64570247962587864326561612436A0100020003"; Mask data can identify which data in Data can be used to filter Bluetooth broadcast data through designated bytes, that is, designated bytes identify which data in Data data Bytes are designated data. For example, the Mask data can be 0000FFFFFFFFFFFFFFFFFFFFFFFFFFFF0000000000000. The first 4 F bytes are the bytes that identify the specified data location. Only the Data data corresponding to the FFFF corresponding to the first 4 F in the Mask can filter the Bluetooth broadcast, that is, the first 4 in the Data data. The data stored in the FFFF byte corresponding to each F is the specified data. Only when the data corresponding to the FFFF byte in the Mask is received is the specified data, the broadcast message that meets the target data format is considered to be received.

In addition, optionally, in the embodiment of the present application, the first broadcast message sent by the payment device has a byte for storing the device identification of the payment device, and the payment device can add its own device identification to the byte. Among them, which bytes are used to store the device identification of the machine tool are not limited in the embodiment of this application.

As an implementation manner, in the first broadcast message, the device identification of the device may be stored in a preset byte that is known to both the payment device and the mobile terminal.

As another implementation manner, the byte position for storing the device identifier of the device may be stored in a predetermined byte set in advance and known to both the payment device and the mobile terminal. For example, the A byte in the first broadcast message stores the location of the device identification used to store the equipment, and if the data stored in the A byte in the first broadcast message is B, then the B byte of the first broadcast message The data in is the equipment identification of the implement.

As yet another implementation manner, the device identification of the payment device and the specified data can also be stored in sequence, and the location of the specified data is determined from the first broadcast message, and then the location of the device identification of the payment device in the first broadcast message can be determined Or, if the location of the device identification of the payment device is determined from the first broadcast message, the location of the designated data in the broadcast message can be determined.

In addition, other information can be placed in the first broadcast message, such as the device identification of the machine, the manufacturer's information of the machine, the identity data of the payment application corresponding to the machine, etc. The storage method of other information in the first broadcast message can be referred to the aforementioned designation. The storage method of the data and the storage method of the payment machine and equipment identification are not repeated here.

In the embodiment of the present application, various information in the first broadcast message may be encrypted or unencrypted, which is not limited in the embodiment of the present application.

Step S320: When the mobile terminal monitors the first broadcast message that meets the target data format, obtains the payment account bound to the mobile terminal, and broadcasts the payment account through the second broadcast message.

The mobile terminal can start monitoring the broadcast message, and the specific monitoring method can be determined according to the way the payment device sends the broadcast message. For example, if the payment device sends the first broadcast message via Bluetooth low energy communication, the mobile terminal can receive the first broadcast message sent by the device through the Bluetooth module using Bluetooth low energy communication. If the payment device sends the first broadcast message via WiFi Aware For the first broadcast message, the mobile terminal can receive the first broadcast message in a manner corresponding to WiFi Aware.

When the mobile terminal monitors the broadcast message, it can determine whether the broadcast message meets the target data format. If the target data format is satisfied, it means that the broadcast message is the first broadcast message sent by the payment device. A specific way to determine whether the broadcast message meets the target data format may be to determine whether the data in the preset bytes in the broadcast message is designated data. If it is determined that the received broadcast message is a broadcast message that meets the target data format, it means that the mobile terminal has received the first broadcast message sent by the payment machine, indicating that the mobile terminal is located near the payment machine, and the mobile terminal can broadcast the broadcast message to Feedback on payment equipment.

Specifically, the mobile terminal may obtain the bound payment account, and broadcast the payment account through the second broadcast message. Among them, the payment account bound to the mobile terminal is an account that the mobile terminal can perform payment deductions.

In the embodiment of the present application, when obtaining the payment account bound to the mobile terminal, the payment account corresponding to the first broadcast message among the payment accounts bound to the mobile terminal may be obtained.

Optionally, if only one payment account of the payment application program supports the payment information processing method provided in the embodiment of this application during the implementation of the embodiment of this application, the payment account bound to the mobile terminal is acquired with the first broadcast When the payment account corresponding to the message is sent, the payment account of the payment application in the mobile terminal can be directly obtained. For example, if only the payment application A supports the payment information processing method provided in the embodiment of this application, the mobile terminal obtains the payment account number of the payment application A installed in the mobile terminal.

Optionally, if the embodiment of this application is implemented, there may be payment accounts of multiple payment applications that support the payment information processing method provided in the embodiment of this application, and the first broadcast messages corresponding to different payment applications are different. The difference may be that the type information of the corresponding payment application carried in different first broadcast messages is different. When acquiring the payment account corresponding to the first broadcast message in the payment account bound to the mobile terminal, if the mobile terminal is bound to a variety of payment accounts that can correspond to the first broadcast message, according to the monitoring The byte indicating the type of payment application in the first broadcast message determines the payment account corresponding to the broadcast message. For example, if payment application A and payment application W respectively support payment information processing in response to the first broadcast message, the mobile terminal can determine from the byte indicating the type of payment application in the first broadcast message, which one corresponds to the first broadcast message Whether the payment application is A or W. If it is A, the payment account of payment application A is obtained; if it is W, the payment account of payment application W is obtained.

Optionally, the first broadcast messages corresponding to different payment applications are different, or the first broadcast messages corresponding to different payment applications have different designated data. When acquiring the payment account corresponding to the first broadcast message in the payment account bound to the mobile terminal, if the mobile terminal is bound to multiple payment accounts that can correspond to the first broadcast message, the monitoring The payment account of the payment application corresponding to the specified data in the first broadcast message.

The mobile terminal broadcasts the obtained payment account through the second broadcast message. That is, after acquiring the payment account, the mobile terminal sends a second broadcast message carrying the payment account. The second broadcast message may also be sent at a certain frequency, and the specific frequency is not limited in the embodiment of the present application.

The payment device within the radiation range of the broadcast message of the mobile terminal can receive the second broadcast message. Wherein, the second broadcast message sent by the mobile terminal is inconsistent according to the power level and the current environment, which will affect the receiving range. Generally, when the payment device is within a range of 5 meters to 10 meters from the mobile terminal, it will receive the second broadcast message sent by the mobile terminal. The payment device that broadcasts the first broadcast message, usually within the radiation range of the broadcast message of the mobile terminal, can receive the second broadcast message sent by the mobile terminal.

In the embodiment of the present application, the second broadcast message may also be a broadcast message that satisfies the specified data format. The specified data format may be the same as or different from the target data format of the first broadcast message, so that the payment device can correctly recognize the The second broadcast message is fine. That is, the payment device that receives the second broadcast message can determine that the second broadcast message is sent by the mobile terminal in response to the received first broadcast message when it determines that the second broadcast message satisfies the specified data format, and can send from the first broadcast message. 2. Obtain the payment account number from the broadcast message.

The specified data format setting of the second broadcast message may be the same or similar to the target data format of the first broadcast message. Specifically, the specified data format may be that the data in the preset bytes in the broadcast message is the specified data. The designated data may be preset data that is known to the payment machine and the mobile terminal, so that when the designated data is recognized, it can be determined that the broadcast message meets the designated data format. For example, the designated data is data representing the identity of a legal payment application, and when it is recognized that the data in the preset byte in the broadcast message is data of the identity of the legal payment application, it is determined that the broadcast message meets the target data format. For another example, the designated data is an arbitrary data arrangement, but the data arrangement is commonly known by the payment machine and the mobile terminal. It is understandable that the designated data and the designated data of the first broadcast message may be the same or different, and the setting mode may be the same or different. The preset byte and the preset byte of the first broadcast message may be the same or different, and the setting mode may be the same or different.

As an implementation manner, the preset byte in the second broadcast message may be preset and known to both the payment device and the mobile terminal, and is a certain byte segment in the broadcast message.

As another implementation manner, in the second broadcast message, the position of the preset byte may be stored in a preset designated byte that is known to both the payment machine and the mobile terminal.

In addition, optionally, in the embodiment of the present application, the second broadcast message sent in the mobile terminal has a byte for storing the payment account number, and the mobile terminal can add the acquired self-bound to this byte Payment account. Among them, which bytes are used to store the payment account are not limited in the embodiment of this application.

As an implementation manner, in the second broadcast message, the payment account number may be stored in a preset byte that is known to the payment device and the mobile terminal.

As another implementation manner, the position of the byte used to store the payment account can be stored in a preset designated byte that is known to the payment device and the mobile terminal. For example, if the x byte in the second broadcast message is used to store the location of the payment account, if the data stored in the x byte in the second broadcast message is y, then the y byte in the second broadcast message The data is the payment account.

As yet another embodiment, in the second broadcast message, the payment account number and the specified data can also be stored in sequence, and then the location of the specified data can be determined from the second broadcast message, and then the payment account number in the second broadcast message can be determined Location; or, if the location of the payment account is determined from the second broadcast message, the location of the designated data in the second broadcast message can be determined.

In addition, other information can be placed in the second broadcast message, such as the device identification of the mobile terminal, the identity data of the payment application corresponding to the payment account, etc. The storage method of other information in the second broadcast message can be found in the aforementioned specified data The storage method and the storage method of the payment account will not be repeated here.

In the embodiment of the present application, various information in the second broadcast message may be encrypted or unencrypted, which is not limited in the embodiment of the present application.

In the embodiment of the present application, if the mobile terminal determines that the monitored broadcast message is not a broadcast message that meets the target data format, the broadcast message can be discarded and the broadcast message continues to be monitored.

Step S330: When the payment device monitors the second broadcast message broadcast by the mobile terminal, obtain the payment account bound to the mobile terminal from the second broadcast message, and obtain the device identification of the payment device, and transfer the payment account And the device identification is sent to the server.

When the payment device is sending the first broadcast message, it can also start monitoring the broadcast message. The specific monitoring method can be determined according to the way the mobile terminal sends the broadcast message.

When the payment machine monitors the broadcast message, it needs to determine whether the broadcast message is the second broadcast message sent by the mobile terminal. Specifically, the payment device can determine whether the broadcast message meets the specified data format. The specific method for judging whether the broadcast message meets the specified data format may be judging whether the data in the preset byte in the broadcast message is specified data, and the preset byte and the specified data are the preset bytes corresponding to the specified data format. And specify the data. If it is determined that the received broadcast message is a broadcast message meeting the specified data format, it can be determined that the broadcast line message is the second broadcast message.

The payment machine can obtain the payment account number from the second broadcast message. Specifically, the data in the byte used to store the payment account in the second broadcast message can be obtained as the obtained payment account.

When the payment device monitors the second broadcast message, it obtains its own device identification, and sends the device identification and the payment account obtained from the second broadcast message to the server, which is the payment server corresponding to the payment account, which can be A payment server corresponding to a payment application that can only be accessed by the vendor to which the payment application belongs.

Among them, the payment machine can encrypt the payment account number and send it to the server. For example, the payment account number sent to the server is a string of character strings encrypted using RSA asymmetric encryption technology to enhance security. In addition, the device identification of the payment device can also be encrypted and sent to the server.

Of course, in the embodiment of the present application, the payment account number and the device identification sent by the payment device may also be unencrypted, which is not limited in the embodiment of the present application.

If the mobile terminal determines that the received broadcast message is not the second broadcast message that meets the specified data format, it can discard the broadcast message and continue to monitor the broadcast message.

Step S340: The server binds the payment account and the device identification for payment verification.

The server binds the payment account and the device identification received from the mobile terminal, and can specifically store the payment account and the device identification correspondingly. Therefore, the server can verify whether the biometric information obtained from the payment device corresponds to the payment account through the bound payment account and device identification. Specifically, as shown in FIG. 6 and FIG. 7, the embodiment of the present application may further include the following steps, which are used to obtain biometric information through a payment device and send it to the server for payment verification.

Step S350: The payment machine collects the biometric information of the user through the biometric collection device, and sends the biometric information and the device identifier to the server.

Specifically, the payment machine may be provided with a biometric collection device for collecting biometric information for payment verification.

When a user makes a payment with a payment device, he can provide his own biometric information in the payment device. The payment device collects the user's biometric information through the corresponding biometric collection device, such as collecting the user's face image through the image collection device; through fingerprint collection The device collects user's fingerprint information, etc. The payment device sends its own device identification and the collected biometric information to the server. Among them, the payment machine can use the collected original information as the biometric information sent to the server, such as sending the collected face image to the server, and sending the collected fingerprint image to the server; the payment machine can also send the collected After the original information is processed, it is used as the biometric information sent to the server, such as encoding the collected face image and sending it to the server, and encoding the collected fingerprint image and sending it to the server.

Optionally, in this embodiment of the application, the biological collection device may be a part of the payment device. The biological collection device may also be another device independent of the payment device, and the payment device can obtain the user's biological characteristic information collected by the biological collection device.

Step S360: The server receives the biometric information and the device identification sent by the payment machine, and when it is determined that the payment account and the biometric information corresponding to the same device identification match each other, the payment account is deducted.

When the server receives the biometric information and the device identification sent by the payment machine, it verifies according to the payment account number and the device identification sent by the payment machine. Wherein, when the server determines that the two identities corresponding to the biometric information and the payment account are the same, the biometric information and the account are also matched with each other, and then the biometric information sent by the payment machine is determined to be legal and the payment verification is passed.

For ease of presentation, the device identification sent to the server together with the biometric information is referred to as the first device identification, and the device identification sent to the server together with the payment account is called the second device identification. Specifically, for the biometric information to be verified, the server determines the first device identifier sent by the payment machine together with the biometric information, and the server can search for the second device identifier that is the same as the first device identifier. Then determine whether the payment account bound to the found second device identifier matches the biometric information. Wherein, the server may pre-store biometric information matching different payment accounts, and the biometric information matching the payment account represents the biometric information of the legal user of the payment account. When it is determined that the payment account and the biometric information corresponding to the same device identifier match, the payment verification for the biometric information is passed.

For the biometric information that has passed the payment verification, the server can deduct the payment account that matches the biometric information. The specific deduction amount can be sent by the payment machine. Optionally, the payment device can send the deduction amount at the same time as the device identification and biometric information. It can also be that when the biometric information sent by the payment device passes the payment verification, the server returns the verified feedback message to the payment device and receives To the payment device that passed the verified feedback message, the deducted amount is sent to the server, and the server will deduct the debit.

In the embodiment of this application, in order to verify the accuracy, reduce the user’s biometric information to pass the payment verification even after the user leaves the radiation range of the payment device for a long time. The server temporarily checks the bound payment account and device identification. storage. Specifically, the server stores the payment account and device identification binding information sent by the payment machine for a preset period of time and then deletes it, so that the payment account and device identification sent to the server are no longer bound after the preset period of time and cannot be used. For payment verification. In addition, optionally, after verification, the server may also delete the biometric information and device identification sent by the payment machine after a preset period of time.

In the embodiment of the present application, the payment device may send the first broadcast message that meets the target data format. When the mobile terminal enters the broadcast message radiation range of the payment device, it can listen to the first broadcast message that meets the target data format, and send the second broadcast message carrying the payment account number. The payment machine receives the second broadcast message and obtains the payment account number from the second broadcast message. The payment machine sends the payment account and its own device identification to the server, and the server binds the device identification and payment account. Therefore, when the server receives the biometric information sent by the payment device, if the biometric information corresponds to the payment account of the mobile terminal within the radiation range of the payment device’s broadcast message, the biometric information is verified by the payment account, The biometric information and the device identification of the payment device sending the biometric information are jointly verified, which improves the security when using the biometric information to make payments through the payment device.

The embodiment of the application also provides a payment information processing method, which is applied to a payment information processing system. Compared with the foregoing embodiment, in this embodiment, the mobile terminal monitors the broadcast message when the monitoring condition is met, thereby reducing the power consumption of the mobile terminal. Specifically, as shown in Figure 8, the method includes:

Step S410: The payment device sends a first broadcast message meeting the target data format according to a preset frequency.

Step S420: The mobile terminal judges whether the monitoring condition is met. If yes, execute step S430; if not, execute step S420.

If the mobile terminal is always in the monitoring state of the broadcast message, some unnecessary power consumption will be generated. In order to save power consumption, the monitoring of the broadcast message can be performed only when it is determined that the mobile terminal meets the monitoring condition.

As users who carry mobile terminals need to pay through payment devices, the users are usually in an exercise state. Therefore, as an implementation manner, judging whether the mobile terminal meets the monitoring condition may be judging whether the mobile terminal is in a motion state. Among them, the movement state of the mobile terminal can be detected by a built-in sensor for detecting the movement state of the mobile terminal, such as an accelerometer, a gyroscope, a magnetometer, and other attitude sensors.

If the mobile terminal is not installed with the corresponding payment application, the payment account bound to the mobile terminal for payment verification cannot be obtained. Even if the first broadcast message that satisfies the target data format is monitored, the embodiment of this application cannot be passed. Provide methods to process payment information. Therefore, as an implementation manner, judging whether the mobile terminal meets the monitoring condition may be judging whether the mobile terminal installs the application corresponding to the payment account. For example, when the mobile terminal receives the first broadcast message that meets the target data format, it obtains the payment account of the payment application A, and then determines whether the mobile terminal has the payment application A installed. In addition, in this embodiment, it can be further determined whether the payment application A is logged in by the user, or whether the user's payment account is stored.

In the embodiments of the present application, the above-mentioned multiple implementation manners may be used as implementation manners for determining whether the mobile terminal meets the interception condition at the same time, and some of the implementation manners may also be used as implementation manners for determining whether the mobile terminal meets the interception condition. When there are more than one implementation manners for determining whether the mobile terminal meets the interception condition, it may be determined that the mobile terminal does not meet the interception condition if the judgment result of any one of the implementation manners is no.

In addition, in the embodiment of the present application, the mobile terminal can determine whether the monitoring condition is met at a certain frequency, and after determining that the monitoring condition is satisfied, it can continue to determine whether the monitoring condition is satisfied. When the mobile terminal determines that the monitoring condition is not met, if the mobile terminal is in the monitoring state, the monitoring is stopped.

Optionally, in order to prevent the mobile terminal from occasionally failing to meet the monitoring conditions and stop monitoring during the monitoring process, for example, to prevent the user from carrying the mobile terminal while shopping in the supermarket, the monitoring is stopped due to temporary immobility, and the mobile terminal is monitored In the process, the frequency of determining whether the monitoring condition is met may be lower, which is lower than the frequency of determining whether the monitoring condition is met when the mobile terminal is not turned on.

It can be understood that step S410 and step S420 are executed by different terminal devices, and their executions do not affect each other.

Step S430: The mobile terminal monitors the broadcast message.

Step S440: When the mobile terminal monitors the first broadcast message that meets the target data format, obtain the device identification of the payment device from the first broadcast message.

When the monitoring condition is met, the mobile terminal starts monitoring the broadcast message, so that the first broadcast message sent by the payment device can be monitored. When the mobile terminal monitors a broadcast message that meets the target data format, it can determine that it has received the first broadcast message sent by the payment device, so that the device identification of the payment device can be obtained from the first broadcast message. Specifically, the data in the byte used to store the device identification of the payment device in the first broadcast message can be obtained as the device identification of the payment device.

In the embodiments of the present application, the power consumption of the mobile terminal can be saved by controlling the monitoring frequency of broadcast messages. The specific monitoring frequency is not limited in the embodiments of the present application, such as monitoring once in two minutes, monitoring once in five minutes, and monitoring in ten minutes. Wait once.

In addition, optionally, if the first broadcast message including the same device identifier is monitored within the preset number of consecutive times, the monitoring frequency is reduced. That is, if the first broadcast message that includes the same device ID is monitored within a preset number of consecutive times, or the first broadcast message that is all monitored for a certain number of device IDs within a preset number of consecutive times, then The monitoring frequency is reduced; if the device identification included in the first broadcast message that is monitored continues to remain at a certain one or a few, the monitoring frequency is continued to be reduced until the minimum monitoring frequency is set. If the first broadcast message including the device identifier m is monitored for a preset number of consecutive times, or the first broadcast message including the device identifier m and the device identifier n is monitored for the preset number of consecutive times, the monitoring will be performed The frequency has been changed from once every 2 minutes to once every 5 minutes. Among them, the frequency reduction can be sequentially reduced at various preset frequency levels, or reduced according to the set steps.

Step S450: The mobile terminal judges whether the same device identifier monitored within a preset time period is stored in the mobile terminal. If the mobile terminal does not store the same device identifier monitored within the preset time range, the device identifier and the time stamp corresponding to the device identifier are stored, where the time stamp represents the time when the device identifier is monitored, execute Step S460: If the mobile terminal stores the same device identifier that is monitored within the preset time period, discard the first broadcast message monitored this time and the acquired device identifier, and perform step S430.

Step S460: The mobile terminal obtains the payment account bound to the mobile terminal.

Step S470: The mobile terminal broadcasts the payment account through a second broadcast message.

After acquiring the device identifier in the first broadcast message, the mobile terminal can determine whether the same device identifier stored in the preset time range is stored. For example, if the preset time range is 10 minutes, it can be determined whether the same device identification has been stored within ten minutes. If yes, it means that the first broadcast message sent by the same payment device has been received within the preset time range, and the second broadcast message has been broadcast according to the first broadcast message. In order to reduce the power consumption of the mobile terminal and the frequency of data processing, the first broadcast message and the acquired device identification can be discarded this time, and the monitoring of the broadcast message is continued. After the first broadcast message is monitored, the first broadcast message Obtain the device identification of the payment device from the message.

In the embodiment of the present application, after determining that the same device identifier is monitored within the preset time range stored in the mobile terminal, the step of monitoring the broadcast message by the mobile terminal can be performed, or the step of determining whether the monitoring meets the target data format can be performed. A broadcast message; or when the mobile terminal monitors the first broadcast message that meets the target data format, obtain the device identification of the payment device from the first broadcast message.

If the mobile terminal does not store the same device identification within the preset time range, the device identification can be stored corresponding to the acquisition time of the device identification, and the payment account bound to the mobile terminal can be obtained, and the payment account can be passed through the second Broadcast messages are broadcast.

Specifically, when the mobile terminal monitors the first broadcast message that meets the target data format for the first time after the monitoring is turned on, it can obtain the device identification of the payment device in the broadcast message, and record a time stamp for the device identification. Store the device identification and the corresponding time stamp, and obtain the payment account bound to the mobile terminal. When the mobile terminal receives the first broadcast message again within the preset time range and obtains the same device identification from the first broadcast message, since the mobile terminal stores the device identification obtained within the preset time range, the current The obtained first broadcast message and the extracted device identification are discarded, and the payment account is no longer obtained. When the mobile terminal again listens to the first broadcast message that includes the same device identifier outside the preset time range, since the time of the currently acquired device identifier is relative to the previously stored time stamp of the same device identifier, the length of the difference is greater than If the time range is preset, the device identification obtained this time is stored and the timestamp is correspondingly stored. Through such a caching mechanism, the frequency of obtaining payment accounts is reduced, system load is saved, and meaningless data is obtained and reported.

Among them, the newly stored device ID can overwrite the same device ID and the corresponding time stamp stored last time, reducing storage space occupation. Of course, the newly stored device identifier may also be stored at a different storage location from the same device identifier stored previously, so that the monitoring status of the broadcast message during the monitoring process can be learned.

Wherein, the timestamp may be the time when the device identifier is monitored, that is, the time when the broadcast message is monitored; the timestamp may also be the time when the device identifier is obtained from the broadcast message.

In the embodiment of the present application, the SDK of the payment application, the payment service unit, and the communication unit for receiving broadcast messages can be integrated in the mobile terminal. Among them, the SDK of the integrated payment application may be a common built-in application of the mobile terminal instead of a system application, so as to avoid the security risk of the mobile terminal caused by the payment application acquiring the permissions of the system user.

The mobile terminal receives broadcast messages and sends broadcast messages through the communication unit, such as receiving beacon signals and sending beacon signals through a Bluetooth module. The communication unit sends the received broadcast message to the payment service unit in the mobile terminal. The payment service unit analyzes the broadcast message, determines whether the broadcast message is the first broadcast message that meets the target data format, and obtains the device identification and other information of the payment device from the first broadcast message. The SDK of the payment application and the payment service unit communicate via broadcast to reduce coupling and security risks. The payment service unit may transmit the information obtained from the first broadcast message to the SDK of the payment application through the broadcast in the mobile terminal, or transmit the information obtained from the first broadcast message to the SDK of the payment application, etc., to complete the payment Application SDK reporting work. The SDK of the payment application receives the information transmitted by the payment service unit, and can obtain the login or bound payment account of the payment application from the payment application, and transfer the payment account to the communication unit, so that the communication unit can broadcast via the second broadcast The message broadcasts the payment account.

Step S480: When the payment device monitors the second broadcast message broadcast by the mobile terminal, obtains the payment account bound to the mobile terminal from the second broadcast message, and obtains the device identification of the payment device, and transfers the payment account And the device identification is sent to the server.

Step S490: The server binds the payment account and the device identification for payment verification.

In the embodiments of the present application, steps that are the same as or similar to those in the foregoing embodiments can be referred to each other, and details are not repeated here.

In the embodiment of this application, the mobile terminal monitors the broadcast message only when the monitoring condition is met, and the interval is greater than the time length corresponding to the preset time range, and the payment account is obtained once, thereby reducing the frequency of data processing on the mobile terminal. While improving payment security, generate the lowest possible power consumption.

In addition, in the embodiment of the present application, if the mobile terminal does not enable network data, the bound payment account can also be transferred to the payment machine through the second broadcast message, and the payment machine sends the payment machine to the server. In other words, when the mobile terminal does not open the network data, the user can also complete the payment through the biometric information.

The embodiment of the present application also provides a payment information processing device 500, which is applied to a mobile terminal. Referring to FIG. 9, the apparatus may include: a monitoring module 510, configured to determine whether a first broadcast message that meets the target data format is monitored. The account obtaining module 520 is configured to obtain the payment account bound to the mobile terminal if the first broadcast message meeting the target data format is monitored. The broadcasting module 530 is configured to broadcast the payment account through a second broadcast message to instruct the payment machine receiving the second broadcast message to send the payment account and the device identification of the payment machine to the server for binding It is used for the server to verify whether the biometric information obtained from the payment device matches the payment account.

Optionally, the account obtaining module 520 may be configured to obtain a payment account corresponding to the first broadcast message among the payment accounts bound to the mobile terminal. Wherein, if the mobile terminal is bound to a payment account that can correspond to a payment application of the first broadcast message, the payment account of the payment application is obtained; if the mobile terminal is bound to multiple types, it can correspond to the first broadcast The payment account of the payment application of the message determines the payment account corresponding to the first broadcast message according to the byte indicating the type of payment application in the monitored first broadcast message.

Optionally, the embodiment of the present application may further include a monitoring module, which is used to determine whether the mobile terminal meets the monitoring condition; if so, perform monitoring of the broadcast message.

Wherein, the monitoring module determining whether the mobile terminal meets the monitoring condition may include: determining whether the mobile terminal is in a motion state; or determining whether the mobile terminal installs the payment application corresponding to the payment account.

Optionally, the embodiment of the present application may further include an identification acquisition module and a data storage module. The identification obtaining module may be used to obtain the device identification of the payment device from the first broadcast message when the first broadcast message meeting the target data format is monitored. The data storage module can be used to store the device identification and a time stamp corresponding to the device identification if the same device identification monitored within the preset time range is not stored in the mobile terminal, where the time stamp represents the device identification When the monitoring time is detected, jump to the account acquisition module 520 to execute the acquisition of the payment account bound to the mobile terminal; if the mobile terminal stores the same device identifier that is monitored within a preset period of time, discard this time The monitored broadcast message and the acquired device identifier are jumped to the monitoring module 510 to perform the determination of whether the first broadcast message that meets the target data format is monitored.

Optionally, the identification acquisition module may include: a judging unit, configured to judge whether the monitored first broadcast message meets the target data format; and a data acquiring unit, configured to acquire the first broadcast message if the judging unit determines yes The data in the byte used to store the device identification of the payment device in the message is used as the device identification of the payment device.

Wherein, the judging unit may be used to judge whether the data in the preset byte in the first broadcast message is designated data.

The embodiment of the present application also provides a payment information processing device 600, which is applied to a payment machine. Wherein, as shown in FIG. 10, the device includes: an account extraction module 610, which is used to obtain a payment account bound to the mobile terminal from the second broadcast message when a second broadcast message broadcast by the mobile terminal is monitored; an identity acquisition module 620, used to obtain the device identification of the payment device; the sending module 630, used to send the payment account and the device identification to the server to instruct the server to bind the payment account and the device identification, and use For verifying whether the biometric information obtained from the payment device matches the payment account.

Optionally, the payment information processing device 600 may further include a broadcasting module for sending the first broadcast message meeting the target data format at a preset frequency to instruct the mobile terminal to monitor the first broadcast message meeting the target data format, Broadcast the second broadcast message to the bound payment account.

Optionally, the payment information processing device 600 may further include an information collection module for collecting user's biometric information through the biometric collection device; the sending module 630 may also be used to send the biometric information and device identification to the server To instruct the server to deduct the payment account when determining that the payment account and the biometric information corresponding to the same device identifier match each other.

Those skilled in the art can clearly understand that, for the convenience and conciseness of description, the specific working process of the device and module described above can refer to the corresponding process in the foregoing method embodiment, which will not be repeated here.

In the several embodiments provided in this application, the coupling between the modules may be electrical, mechanical or other forms of coupling.

In addition, each functional module in each embodiment of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware or software functional modules.

Please refer to FIG. 11, which shows a structural block diagram of an electronic device 700 according to an embodiment of the present application. The electronic device 700 may be a mobile terminal capable of receiving broadcast messages and processing data, such as a mobile phone, a tablet computer, or an e-book. For example, it may be a mobile terminal 110 as shown in FIGS. 1 and 2. In addition, the electronic device 700 may also be a payment device 120.

The electronic device includes a processor 710 and a memory 720, the memory is coupled to the processor, the memory stores instructions, and when the instructions are executed by the processor, the processor executes one or more of the above The method described in the embodiment.

The processor 710 may include one or more processing cores. The processor 710 uses various interfaces and lines to connect various parts of the entire electronic device 700, and executes by running or executing instructions, programs, code sets, or instruction sets stored in the memory 720, and calling data stored in the memory 720. Various functions of the electronic device 700 and processing data. Optionally, the processor 710 may adopt at least one of digital signal processing (Digital Signal Processing, DSP), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA), and Programmable Logic Array (Programmable Logic Array, PLA). A kind of hardware form to realize. The processor 710 may integrate one or a combination of a central processing unit (Central Processing Unit, CPU), a graphics processing unit (Graphics Processing Unit, GPU), and a modem. Among them, the CPU mainly processes the operating system, user interface, and application programs; the GPU is used for rendering and drawing of display content; the modem is used for processing wireless communication. It is understandable that the above-mentioned modem may not be integrated into the processor 710, but may be implemented by a communication chip alone.

The memory 720 may include random access memory (RAM) or read-only memory (Read-Only Memory). The memory 720 may be used to store instructions, programs, codes, code sets or instruction sets, such as instructions or code sets used to implement the payment information processing method provided in the embodiments of the present application. The memory 720 may include a storage program area and a storage data area, where the storage program area may store instructions for implementing an operating system, instructions for implementing at least one function, instructions for implementing each of the foregoing method embodiments, and the like. The storage data area can also be data created by the electronic device in use (such as phone book, audio and video data, chat record data), etc.

Please refer to FIG. 12, which shows a structural block diagram of a computer-readable storage medium provided by an embodiment of the present application. The computer-readable storage medium 800 stores program code, and the program code can be invoked by a processor to execute the method described in the foregoing method embodiment.

The computer-readable storage medium 800 may be an electronic memory such as flash memory, EEPROM (Electrically Erasable Programmable Read Only Memory), EPROM, hard disk, or ROM. Optionally, the computer-readable storage medium 800 includes a non-transitory computer-readable storage medium. The computer-readable storage medium 800 has storage space for the program code 810 for executing any method steps in the above-mentioned methods. These program codes can be read from or written into one or more computer program products. The program code 810 may be compressed in a suitable form, for example.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, not to limit it; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand: The technical solutions recorded in the foregoing embodiments are modified, or some of the technical features are equivalently replaced; these modifications or replacements do not drive the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

A payment information processing method, characterized in that it is applied to a mobile terminal, and the method includes:

Determine whether the first broadcast message that meets the target data format is monitored;

If it is monitored, obtain the payment account bound to the mobile terminal;

Broadcast the payment account through a second broadcast message to instruct the payment machine receiving the second broadcast message to send the payment account and the device identification of the payment machine to the server for binding, for the server to pair The biometric information obtained from the payment device is subjected to payment verification whether it matches the payment account.
The method according to claim 1, wherein before the determining whether a first broadcast message that meets the target data format is monitored, the method comprises:

Determine whether the mobile terminal meets the monitoring condition;

If it is satisfied, the broadcast message is monitored.
The method according to claim 2, wherein the judging whether the mobile terminal satisfies the monitoring condition comprises:

Determine whether the mobile terminal is in a motion state; or

Determine whether the mobile terminal installs the application corresponding to the payment account.
The method according to any one of claims 1 to 3, wherein before said obtaining the payment account bound to the mobile terminal, the method further comprises:

When the first broadcast message meeting the target data format is monitored, the device identification of the payment device is obtained from the first broadcast message;

If the mobile terminal does not store the same device identifier monitored within the preset time range, the device identifier and the time stamp corresponding to the device identifier are stored, where the time stamp represents the time when the device identifier is monitored, execute The step of obtaining the payment account bound to the mobile terminal;

If the mobile terminal stores the same device identifier that is monitored within the preset time range, discards the first broadcast message monitored this time and the acquired device identifier, and executes the determination of whether the device that satisfies the target data format is monitored The first step of broadcasting a message.
The method according to claim 4, wherein when the first broadcast message meeting the target data format is monitored, obtaining the device identification of the payment device from the first broadcast message comprises:

Determine whether the monitored first broadcast message meets the target data format;

If yes, the data in the byte used to store the device identification of the payment device in the first broadcast message is acquired as the device identification of the payment device.
The method according to claim 5, wherein the judging whether the monitored first broadcast message meets the target data format comprises:

It is determined whether the data in the preset byte in the first broadcast message is designated data.
The method according to any one of claims 1 to 6, wherein the obtaining the payment account bound to the mobile terminal comprises:

Obtain a payment account corresponding to the first broadcast message among the payment accounts bound to the mobile terminal.
8. The method according to claim 7, wherein said obtaining the payment account corresponding to the first broadcast message in the payment account bound to the mobile terminal comprises:

If the mobile terminal is bound to a payment account of a payment application that can correspond to the first broadcast message, obtain the payment account of the payment application;

If the mobile terminal is bound with multiple payment accounts that can correspond to the payment application of the first broadcast message, the first broadcast message is determined according to the byte indicating the type of payment application in the monitored first broadcast message The corresponding payment account.
The method according to any one of claims 1 to 8, wherein if the first broadcast message including the same device identifier is monitored within a preset number of consecutive times, the monitoring frequency is reduced.
The method according to any one of claims 1 to 9, wherein the first broadcast message and the second broadcast message are beacon signals sent via Bluetooth Low Energy (BLE) communication, or via Broadcast message sent by WiFi Aware.
A payment information processing method, characterized in that it is applied to a payment machine, and the method includes:

When the second broadcast message broadcast by the mobile terminal is monitored, the payment account bound to the mobile terminal is obtained from the second broadcast message;

Acquiring the device identification of the payment machine;

Send the payment account and the device identification to the server to instruct the server to bind the payment account and the device identification for checking whether the biometric information obtained from the payment device matches the payment account Payment verification.
The method according to claim 11, characterized in that, when the second broadcast message broadcast by the mobile terminal is monitored, before obtaining the payment account bound to the mobile terminal from the second broadcast message, the method further comprises:

Send the first broadcast message meeting the target data format at a preset frequency to instruct the mobile terminal to broadcast the second broadcast message to the bound payment account when it monitors the first broadcast message meeting the target data format.
The method according to claim 11 or 12, wherein the method further comprises:

Collect user's biometric information through biometric collection equipment;

The biometric information and the device identification are sent to the server to instruct the server to deduct the payment account when determining that the payment account and the biometric information corresponding to the same device identification match each other.
A payment information processing method, characterized in that it is applied to a payment information processing system, the system includes a mobile terminal, a payment machine and a server, the mobile terminal and the payment machine are respectively wirelessly connected to the server, the method include:

The payment machine sends a first broadcast message meeting the target data format according to a preset frequency;

When the mobile terminal monitors the first broadcast message that meets the target data format, obtains the payment account bound to the mobile terminal, and broadcasts the payment account through the second broadcast message;

When the payment device monitors the second broadcast message broadcast by the mobile terminal, obtains the payment account bound to the mobile terminal from the second broadcast message, and obtains the device identification of the payment device, and then combines the payment account and the The device identification is sent to the server;

The server binds the payment account and the device identification for payment verification.
The method of claim 14, wherein the method further comprises:

The payment device collects the biometric information of the user through the biometric collection device, and sends the biometric information and the device identification to the server;

The server receives the biometric information and the device identification sent by the payment machine, and when it is determined that the payment account and the biometric information corresponding to the same device identification match each other, the payment account is deducted.
The method according to claim 14 or 15, wherein the server stores the binding information of the payment account and the device identifier sent by the payment device for a preset period of time and then deletes it.
A payment information processing device, characterized in that it is applied to a mobile terminal, and the device includes:

The monitoring module is used to determine whether the first broadcast message meeting the target data format is monitored;

An account obtaining module, which is used to obtain the payment account bound to the mobile terminal if it is monitored;

The broadcast module is used to broadcast the payment account through a second broadcast message to instruct the payment machine receiving the second broadcast message to send the payment account and the device identification of the payment machine to the server for binding , Used by the server to verify whether the biometric information obtained from the payment device matches the payment account.
A payment information processing device, characterized in that it is applied to a payment machine, and the device includes:

The account extraction module is configured to, when a second broadcast message broadcast by the mobile terminal is monitored, obtain the payment account bound to the mobile terminal from the second broadcast message;

An identity acquisition module for acquiring the device identification of the payment machine;

The sending module is used to send the payment account number and the device identification to the server to instruct the server to bind the payment account number and the device identification, and is used to check the biometric information obtained from the payment device Match the payment verification of the payment account.
An electronic device, comprising a memory and a processor, the memory is coupled to the processor, the memory stores instructions, and when the instructions are executed by the processor, the processor executes The method according to any one of claims 1-10; or performing the method according to any one of claims 11-13.
A computer readable storage medium, wherein the computer readable storage medium stores program code, and the program code can be called by a processor to execute the method according to any one of claims 1-10 ; Or execute the method according to any one of claims 11-13.